vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The XXXX  present at signing at the location provided by Wells Fargo We are disputing. The signed right to cancel we are disputing the signatures. 
So far the companies involved with this transfer, we are told, is XXXX XXXX, XXXX XXXX Bank, XXXX XXXX  and Wells Fargo. So far this {$60000.00} XXXX refinanced for {$190.00} XXXX the cost of a new home. And due to this refi {$64000.00} additionally has been paid to Wells Fargo. So after XXXX  years this new mortgage with a balance of {$120000.00} is concerning.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, stems from the result of XXXX. 

Accounts : XXXX XXXX Inquiries : 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 2025-09-25 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal Master Complaint concerning the XXXX XXXX XXXX account # XXXX. The information being reported is grossly inaccurate, inconsistent, and unlawful, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Irregularities Identified Contradictory Account Dates Date Opened : XXXX XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Closed : XXXX XXXX XXXX : No closing date TransUnion : XX/XX/XXXX Same account can not have different open/close dates violation of FCRA XXXX ( b ) ( accuracy ). 

False High Balance Reporting XXXX  : {$240.00} XXXX XXXX TransUnion : {$120000.00} A balance discrepancy of over {$120000.00} is grossly misleading and shows willful inaccuracy. 

Inconsistent Activity & Payment Status Last Activity : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX Payment Status : all three bureaus list Collection/Chargeoff, yet comments indicate Paid/Settled. This constitutes continued derogatory reporting of a paid account, which is prohibited. 

XXXX XXXX Inconsistencies XXXX  : XX/XX/XXXX days past due reported multiple times. 

XXXX  : Different pattern. 

TransUnion : Reports XXXX in some past due categories for the same timeframe. 

These discrepancies show no proper reinvestigation under FCRA 1681i ( a ). 

Failure to Mark Dispute Properly The dispute history shows disputes sent to all three CRAs on XX/XX/XXXX, yet bureaus continue reporting derogatory data without proper in dispute notation. 

This violates FCRA 623 ( a ) ( 3 ). 

Debt Collector Misrepresentation If XXXX XXXX XXXX or any collection agency continues to report after payment, this constitutes false representation under FDCPA 807 ( 15 U.S.C. 1692e ).

Laws Violated FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) : Failure to reinvestigate disputed information.

FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable or obsolete information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reporting information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failure to mark account as disputed.

FDCPA 807 ( 15 U.S.C. 1692e ) : False or misleading representation.

FDCPA 809 ( 15 U.S.C. 1692g ) : Continued collection/reporting without validation.

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 2025-09-25 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX AUTO - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am demanding immediate correction regarding the fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized, and their reporting constitutes a clear misrepresentation of my financial history. Such errors undermine both my personal security and the reliability of the reporting system itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fraudulent accounts currently listed on my credit report are false, unauthorized, and damaging to my creditworthiness. At no point did I authorize or establish these accounts, and their presence represents a fundamental violation of the obligation to ensure accurate reporting.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts are being reported in my name without my authorization. I did not open, authorize, or manage these accounts, and their presence on my credit report is false and damaging. I take my credit profile seriously and will not accept inaccurate information that harms my financial standing.

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 2025-09-25 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
There appears to be a consistent delay in XXXX balance threshold notifications and fee reversals, which has caused repeated and unintended monthly service fees. 

Cycle XX/XX/XXXX to XX/XX/XXXX : On XX/XX/XXXX, my balance fell below {$1500.00}. As a result, a {$12.00} service fee was charged on XX/XX/XXXX. I was notified of the fee on XX/XX/XXXX and arranged a XXXX transfer the same day to restore my balance. I accepted this fee as consistent with policy. 

Cycle XX/XX/XXXX to XX/XX/XXXX : On XX/XX/XXXX, I received a notification that my balance had fallen below {$1500.00} around XXXX XXXX This was due to a service fee posted on XX/XX/XXXX. I immediately called Chase around XXXX XXXX, and the representative refunded the fee immediately. The refund appeared in my transactions dashboard. 

Cycle XX/XX/XXXX to XX/XX/XXXX : On XX/XX/XXXX, I was notified again that my balance had fallen below {$1500.00} around XXXX XXXX. This was caused by a service fee posted on XX/XX/XXXX. I transferred out my remaining funds to my other bank to prepare for the account closure request. When I called Chase the next day, the representative heard my reason for closure was the unreasonable service fees and explained that my balance must remain above {$1500.00} at all times, not just at the beginning of each day as stated on XXXX website. Upon review of my account history, I also discovered that the prior refund ( from the XXXX cycle ) was not actually posted until XX/XX/XXXX, which was XXXX days after the service fee, meaning my account balance was shown as below the threshold during the new cycle. 

Why This Is a Problem : XXXX ) All my other account alerts ( low balance, overdraft, etc. ) are immediate, but the {$1500.00} threshold notification is delayed. 
XXXX ) The delay in both notifications and fee reversals creates a cycle where a customer is repeatedly penalized, regardless of corrective action. 
XXXX ) Chase representatives have given inconsistent explanations of the policy ( " beginning of day '' vs. " at all times '' ), which do not align with the published policy on XXXX website. 

Impact : The delays and inconsistent application of the policy have led to recurring improper fees. Unless a customer deposits a much larger balance well above {$1500.00}, it is practically impossible to recover from this cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
Hi, I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX  XXXX | Account Number : XXXX XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX BANK XXXX | Account Number : XXXX please remove the following inaccurate names from credit report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX please remove the following addresses from credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2025-09-25 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-25 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-25 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: VT

Complaint narrative:
Bought a new XXXX  GM  XXXX. Made all my payments. Then I was having a few problems making payments. But I was making them with only XXXX late payments. The last statement said my balance was more then I paid for the truck. I made XXXX payments totaling about {$38000.00} and almost nothing went to principle. So I figured I would never be able to pay off my truck. So I volunteered to surrender the truck. They wholesaled the truck. Now they say I owe them {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
I hired BEYOND FINANCE. I lost everything with covid .Havent been able to recover .. So i went into debt and {$16000.00}. in credit cards now medical bill IM forced to file XXXX  XXXXI recieved paper work from credit company explaining that i would be sued if i didnt respond. so i called BEYOND FINANCE. I told them that i needed to respond now not to wait 6 months .. contacted them several times about it.so they saved me no money because then i got served papers.i also sent those documents. never heard back from them so i called the court house and the said someone is going to be there in my place and didnt need to go.still never heard back from BEYOND. THEY CAME BACK WITH A OFFER THAT DOESNT CHANGE THE AMOUNT I WAS ALREADY BEING SUED FOR .THEY EXPLAIND TO ME THAT THE CREDIT COMPANYS GET ' '' MORE AGGRESIVE WHEN IT GOES TO COURT ' '' THE REASON I CALLED THEM TO BEGIN WITH! I NOW OWE THEM 25 % OF MY TOTAL DEBT.! plus everything was in fine print and was all done over my phone i was told to just scrole down and check the boxes .THATS JUST THE START!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Called XXXX XXXX XXXX at XXXX, gave name and phone number as validation of who I was. I was not given any information as to what this debt was or who this debt was with. I was hung up on a few minutes into the conversation. I have never heard of this company and I have not had any dealings with this company in the past. I believe that this is a company trying to pose as debt collectors or say that they have a file for debt collection just to scam people out of money. I have not received any documentation of a debt and or file that is with this company. I have not received any documentation to resolve this issue from this company. I do not have any documentation authorizing my information to be sold to a third party.

Company response to consumer: Closed with explanation