vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate or unauthorized information appearing on my credit report. Please provide written verification of its accuracy or remove it from my credit file as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I called Wells Fargo on XX/XX/year> and spoke with the customer Advocate department XXXX to notify them per the contract that I filled a case with arbitration. This is the case number for my XXXX case. XXXX. I dont feel that I am being treated fairly and they are not following fair business practices. I have uploaded the demand letter from XXXX. Here is a recap of my issue Wells Fargo claim number XXXX fraud team sent me a letter that states they determined the charges from XXXX XXXX are unauthorized and refunded me on XX/XX/year> I found more charges from the exact same merchant XXXX XXXX ach transactions claim number XXXX and the fraud team send letter deny this claim. How can the fraud team refund fraudulent charges back to me and send letter saying they found these charges are not mine but then decide these other one are for a higher amount so they decline this claim. This is unfair business practices they are asking me to reach out to the merchant which I don't have an account and did not authorize I looked up the steps the Fraud team should be taking which is to contact the merchant and ask for ip address confirm that I don't have an account with XXXX XXXXXXXX none of those steps were taken. And they said they don't refund these types fraud charges then how come I have letter proving they did refund XXXX XXXX fraud charges. They are letting the complaint sit on the desk and wait 10 days give a generic response these are ach charges I did not authorize I would like an explanation on why you determine some XXXX XXXXXXXX charges are fraud and the others are not when they both are XXXX transactions I did not authorize I have uploaded the letter Wells Fargo sent saying the XXXX XXXXXXXX charges were found to be unauthorized and refunded me but for the higher amounts declining I uploaded the arbitration letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage is demanding duplicate escrow shortage payments even though the shortage was previously cured. My current escrow balance is positive ( {$700.00} ), but the servicer ignored that and reused a previously projected negative balance from an old analysis to claim a new shortage. This results in the same shortage being collected twice. 

Their XX/XX/XXXX analysis : Uses a projected negative balance that no longer exists Treats a previously cured deficit as a brand-new shortage Demands more than {$2000.00} beyond actual required disbursements Freedom Mortgages own disclosures show : Required minimum escrow balance = {$0.00} Total annual disbursements = {$6800.00} Only upcoming large disbursement is homeowners insurance in XX/XX/XXXX They must base escrow analysis on actual current balance and actual projected escrow disbursements per RESPA regulations. They are instead inflating escrow requirements and collecting multiple shortages for the same expense period. 

I am requesting a corrected escrow analysis using the current positive balance and removal of all duplicated shortage amounts. Supporting documentation attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX : * -- XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Formal Demand for Deletion Affirm Inc ( Charge-Off ) Account Name : Affirm Inc Account Number : XXXX Dear XXXX  This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ). The account listed above, reported by Affirm Inc, is inaccurate, incomplete, and unverifiable. 

This account is being reported as charged-off with a balance of {$84.00} and a payment history showing over 22 consecutive months of delinquencies. These details are factually inconsistent and misleading for several reasons : 1. Affirms Buy Now, Pay Later installment programs are short-term consumer loans, not revolving credit lines. Reporting extended delinquencies over multiple years misrepresents the nature and term of the account. 
2. The reported charge-off and open balance contradict the closed account status. Under FCRA 607 ( b ), the data furnisher is required to maintain maximum possible accuracy, which this entry fails to meet.

3. No original creditor documentation, signed credit agreement, or lawful verification has been provided to support these entries violating FCRA 611 ( a ) ( 1 ) ( A ) ( failure to properly verify disputed information ).

Due to these violations, I demand immediate deletion of this Affirm Inc tradeline from my XXXX file. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and a civil claim for willful noncompliance under FCRA 616. 

Please send written confirmation that this account has been deleted from all systems within 15 days. 

Sincerely, XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Cease and Desist Request for Removal I am writing to formally notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding this account, except where permitted by law.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting that you immediately remove any negative or inaccurate information related to this alleged debt from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting a reinvestigation of the following items on my TransUnion credit report. My personal information has been exposed in multiple data breaches, and I am concerned about the accuracy and legitimacy of these accounts. 

Charged-Off Accounts in Dispute DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$1100.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$2000.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$5100.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$1400.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$3200.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$910.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$5100.00} DEPTEDXXXX XXXXXXXX XX/XX/XXXX {$1600.00} DEPTEDXXXX XXXX XX/XX/XXXX {$2000.00} DEPTEDNXXXX XXXXXXXX XX/XX/XXXX {$4100.00} Inquiries in Dispute There are currently no TransUnion inquiries in dispute. 

There are no late payments or positive accounts in dispute with TransUnion at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : TransUnion Reporting Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Complaint Summary : This is a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and misleading reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite repeated disputes and requests for human verification, TransUnion continues to report contradictory and factually inaccurate data that damages my credit profile and violates federal reporting standards. 
Details of Violations : 1. Re-aged Date of First Delinquency ( DOFD ) Removal date XX/XX/XXXX inconsistent with account history, suggesting illegal re-aging. ( FCRA 623 ( a ) ( 5 ) ( A ) ) 2. 120 Days Late After Closure Account marked " 120 days late '' in XX/XX/XXXX though closed XX/XX/XXXX. ( FCRA 607 ( b ) ) 3. Improper Post-Closure Update Closed XX/XX/XXXX, yet updated again on XX/XX/XXXX. 
( FCRA 623 ( a ) ( 2 ) ) 4. Inaccurate Credit Limit Reporting Credit limit reported as {$0.00} on a revolving account. ( FCRA 607 ( b ) ) 5. Double Derogatory Reporting Reported both " Charge-off '' and " Past Due {$1400.00} '' simultaneously. ( FCRA 623 ( a ) ( 1 ) ( A ) ) 6. Incomplete Payment History Seven-year account with minimal payment data reported.

( FCRA 609 ( a ) ( 1 ), 611 ( a ) ) 7. Contradictory Payment Record Lists " Last Payment XX/XX/XXXX '' but " Payment Received {$0.00} ''. 
( FCRA 607 ( b ) ) Total Violations Identified : XXXX Requested Resolution : I request that TransUnion immediately conduct a human verification review and permanently remove or correct this inaccurate tradeline from my credit report. This is my formal notice that these violations are causing ongoing harm, and I am requesting full compliance with all applicable FCRA provisions, including confirmation of correction in writing. 
Attachments : Screenshots of TransUnion credit report displaying errors Previous dispute correspondence and certified mail receipts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The company is reporting my account as late on XX/XX/2024 and this account was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX TD Bank USA / Nordstrom Card Services ( Acct ending XXXX ) Reported as charge-off/collection with {$490.00} past-due on XXXX  ; account shows closed XX/XX/year> XXXX Please require verification of the balance/status history and removal of any inaccurate or duplicate derogatory data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've tried to get my Experian credit report since XX/XX/year>. It's almost XXXX and still nothing. This all started after my divorce in XXXX. I changed my last name and updated it back to my maiden name. I contacted everyone to have it updated in which they did. I was advised to wait XXXX week and refresh my credit on the Experian website and still I get this error : Sorry, we can't show you today 's XXXXbureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. No one seems to know how to fix it and all I get is wasted time ( hours on the phone ) and XXXX or more transfers to member services and disputes. All my information is correct but I can not see it.What are you hiding? All I want is to see my score and Experian report. No one else is having this issue. I also paid for a membership I wasn't even using. Will I get my money back? Probably not. I need this fixed as you have impacted how lenders as they can not access my data either. You have created a hardship as I have things I need to do and can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief