vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Incorrect names have been reported on my Experian report and incorrect employer information is being reported on my TransUnion report. I have tried multiple times to correct this but have gotten no resolution.

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 2025-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b'This is in regards to Synchrony Claim # XXXXCase IDXXXXXXXXnTransaction amountXXXXDisputed amounXXXXTransaction dateXXXX XXXX XXXX\nTransaction ID\XXXXSeller name\XXXX XXXX XXXXn\nAll attempts inside XXXX  and PayPal Credit and Synchrony have so far failed to get their attention regarding the seller fraud. Synchrony did re-open the case but weeks and weeks have gone by - always stating that that they need more time to resolve - with the only feedback being "Item was delivered". Always that the item was delivered.\n\nPlease find attached documents outlining the facts of my complaint. My salient points are as follows:\n\nXXXX I use a XXXX XXXX by the name of XXXX to ship my purchases outside the U.S. The XXXX, FL address used to deliver and warehouse said item is an address shared at least by XXXX XXXX ( apparently the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be other freight forwarding companies sharing this address. The seller exploited this fact. An email (copy attached) from XXXX XXXX, identifying himself as the president of XXXX, sent to XXXX  states that the matching tracking number (XXXX) was received by XXXX  {not XXXX) addressed to XXXX XXXX - a person unknown to me. i.e. the seller tracking number was faked.\n\n2) The above information was shared to me by XXXX  XXXX XXXX, the proprietor of XXXX reiterating that the package was not received for me. She also points out that expected weight for the quantity XXXX ordered does not match my order, being approximately light by a factor of XXXX This is verified by a copy of the waybill that she sent me (also attached).showing a weight of only 1XXXX XXXX XXXX XXXX.\n\nI do not understand the refusal to address the evidence and witnesses I provided XXXX  and PayPal/Synchrony Bank. The newbie seller is based in XXXX  and listed as shipping by XXXX. The reticence appears to be only to protect the seller at all costs, as it is not even the bank funds at stake.\n\nThank you for examining the evidence regarding this scam.\n\nSincerely,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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Around XX/XX/year> which I can not remember what the date is. The amount was {$1200.00}. What happened was, Last XX/XX/XXXX, XXXX I went to the XXXX XXXX XXXX XXXX XXXX What happened was the young lady called me to enter. She checked my information in the system. I told her that I am planned to pay if no insurance is not cover. She checked again and replied to me that my insurance is current coverage. I asked her to be sure. she said yes. I go ahead took the test. Few months later, I got the bill. I wrote the letter to mail with my medical information. I have not heard from them since until you mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX was the first time I disputed because the debt was unknown, and I wasnt notified of the debt before noticing that this was on my credit report. I gave a call to the creditor who sent me a breakdown of charges but no full proof of validation with signatures and no notifications for debt to begin with. I also sent certified mail on XX/XX/XXXX. In that letter I stated that I wanted communication through mail of the address provided when sending the validation letter. I also disputed XX/XX/XXXX and, most recently, XX/XX/XXXX. This debt collector is insisting that I owe XXXX and I hope this is resolved soon. I am using laws Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, They did not provide the required written notice within five days of initial contact as required under 15 U.S.C. 1692g ( a ). without first validating the debt, in violation of 15 U.S.C. 1692g ( b ). Additionally, they [ have reported the debt to credit bureaus/have made misleading statements/have harassed me ] potentially violating 15 U.S.C. 1692e and 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I got a store credit card for XXXX 's. Once I received the card, I registered myself online and updated my contact information. 

The next day, I noticed that I couldn't log in to the account and was also unable to reset my password. When I called the customer representative, they told me my account is locked out because I upated my personal information and they are unavailable to unlock it for me. So, I can't find my balances and activities online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: DISCOVER BANK
State: TX

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DISCOVER CARD on XX/XX/XXXX in the amount of {$1800.00}, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$14000.00}, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question on page XXXX in the copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: National Consumer Telecom & Utilities Exchange, Inc.
State: MI

Complaint narrative:
I have request on numerous occasions to have my name and address corrected. This has not happened. There is also charges that I have not made on various accounts of mine. XXXX, XXXX XXXX XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have request on numerous occasions to have my name and address corrected. This has not happened. There is also charges that I have not made on various accounts of mine. XXXX, XXXX XXXX XXXX and others.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-06-02 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I initially submitted a complaint on XX/XX/year> detailing my frustration that my student loans, held by MOHELA, continue to accrue interest during forbearance. The company responded in XXXX, noting that individuals on the XXXX on a XXXX XXXX XXXX will not accrue interest during forbearance. 

The company then sent me a letter on XX/XX/XXXX detailing how I have {$1100.00} in unpaid interest, and noted that my interest is set to accrue during my forbearance. 

This letter is in conflict with what the precedent is with active litigation, as well as what was detailed to me in my previous CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
I opened a Wise Business Account under my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account was verified and functional, and I held a balance in USD within the account. 

On XX/XX/year>, Wise deactivated my business account without any prior warning or specific justification. They cited only we have closed your account and if you are not satisfied you can open an appeal and on the same day I open an appeal and alongside with appeal they ask for bank account for refunding of the balance if the appeal is rejected so I have provided it and after 24 hours of appeal they reject the appeal without providing the reason after 3-4 days wait I messed wise support for status of my refund which they replay and said allow us 2-2-10 working days for refund so I waited it and after the 10 working days passed and I again email for updates because I didn't get my refund and then the mentioned that due diligence checks were required before they could return my balance and said it could take 60 working days However, they have not provided any clear explanation for the reason behind the closure, nor the legal basis or specifics of the ongoing checks, nor any firm date for the return of my funds. 

Since then, I have made multiple formal requests for a clear timeline and the legal framework being applied. In response, Wise provided only vague template responses stating that due diligence is a regulatory requirement, without any transparency about what that involves or how long it will take. In their most recent message ( XX/XX/year> ), they stated they would not respond further and suggested I escalate to a regulator. 

As of today, over 20 days have passed, and I still do not have access to my business funds, nor a clear date or timeline for refund. This is causing material disruption to my business operations. 

I believe Wise is violating fair business practices by : Failing to provide a clear, justified reason for deactivation. 

Withholding my companys funds without any firm timeline or legal reference. 

Refusing to respond to legitimate customer inquiries in a transparent manner. 

Possibly using due diligence as a delay tactic without actual action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian Dispute Department, I am writing to formally dispute certain inaccurate and potentially damaging information included in my credit report. I have reviewed the Consumer Financial Protection Bureaus recent federal complaint filed against Experian ( Case No. XXXX ), which outlines systemic issues in your handling of consumer disputes, including failure to perform reasonable reinvestigations and improperly communicating with furnishers. 
I am concerned that these same failures have affected my credit report and dispute experience. I request that you : 1. Reinvestigate the disputed items on my report in full compliance with the Fair Credit Reporting Act ( FCRA ) 1681i, including forwarding all relevant documentation I have provided to the appropriate furnishers.

2. Clearly identify and explain any outcomes of the reinvestigation, including what changes have or have not been made.

3. Provide written confirmation of any deletions, updates, or reinsertions of disputed items in compliance with 1681i ( a ) ( 5 ) ( B ) - ( C ).

4. Do not rely solely on furnishers ' responses when evidence or logic indicates their information may be unreliable, as highlighted in the CFPB 's complaint.

Please consider this letter and any attached documents as part of my formal dispute. If you need additional information from me to complete the reinvestigation, please contact me in writing at the address listed above.

This is a serious matter, and I expect Experian to fulfill its legal obligations promptly and accurately. I reserve the right to file a formal complaint with the CFPB or pursue other remedies if this issue is not resolved appropriately.

Sincerely,

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 2025-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am filing this complaint against Pennymac for misleading and unprofessional behavior during a refinance process. I was told repeatedly that I only needed 12 months of on-time mortgage payments to qualify for an FHA cash-out refinance. I satisfied that condition. I was then issued a Closing Disclosure, received conditional approval, and was told the only thing pending was the final approval.

Later, they denied my loanclaiming I had multiple late mortgage payments, including one in XX/XX/year>. This was never mentioned until after conditional approval. Furthermore, I am a current borrower with this lender, and my mortgage is serviced by them. They had full access to my payment history the entire time and failed to disclose that they would be using a XXXX lookback period for mortgage lates. Even after i asked multiple times about this. Their underwriter claimed they could not see the payment history until I provided it, despite my being their existing client. 

This last-minute denial after full cooperation caused financial and emotional harm, delayed urgent home repairs, and reflects a lack of transparency, accountability, and process integrity. I am demanding a formal investigation and record of this mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Incorrect names have been reported on my Experian report and incorrect employer information is being reported on my TransUnion report. I have tried multiple times to correct this but have gotten no resolution.

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