vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am selling my property and learned about inspection fees when payoff was ordered. Description was other fees and never aware of fees

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Company : Volvo Financial Services Product : Auto lease ( charged-off account ) Issue : Incorrect credit reporting / inaccurate account classification ________________________________________ Complaint Description I am filing this complaint regarding inaccurate credit reporting by Volvo Financial Services on a charged-off vehicle lease account.

This account has been charged off. There is no active installment agreement or contractual requirement for a recurring monthly payment on a charged-off account. However, Volvo Financial Services is reporting this account as having a recurring monthly payment obligation, which is inaccurate and is negatively impacting my ability to obtain credit.

I contacted Volvo Financial Services multiple times to request written confirmation that the account is charged off and does not carry a required monthly payment obligation for underwriting and credit reporting purposes. I explicitly stated that I was not attempting to negotiate, settle, or dispute the balance, only to correct the classification of the account.

Volvo Financial Services refused to provide any written documentation stating that the account is charged off and not a recurring monthly payment. They would only offer a balance statement and insisted the account must be paid in full. 
Contact Attempts XX/XX/year> at XXXXXXXX XXXX  Spoke with a representative for approximately 11 minutes XX/XX/year> at XXXX XXXX Follow-up call for approximately 12 minutes, spoke with a representative named XXXX During both calls, Volvo Financial Services : Refused to provide written documentation confirming the account is charged off and does not have a recurring monthly payment Refused to reclassify the reporting Refused to set up any payment plan Stated only full payment would be accepted Declined to escalate to a manager at the time of the call and stated a callback request would be submitted Despite clearly stating that this is a credit reporting accuracy issue, Volvo Financial Services declined to address the misclassification or provide written clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Product : Credit Card / Charge Dispute Company : XXXX XXXX  Order Number : XXXX Order Date : XX/XX/year> Amount : {$2900.00} Complaint Description I am filing this complaint regarding a long-standing unresolved dispute with XXXX XXXX for an online order that I never received, despite repeated attempts over several years to resolve this directly with the company. 

On XX/XX/year>, I placed an order with XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) totaling {$2900.00}. The order was marked as completed, but the package was never delivered to me. I did not receive the items, nor did I sign for or accept any delivery. 

Since that time, I have repeatedly disputed this charge and contacted XXXX XXXX seeking assistance, proof of delivery, or a refund. Despite these efforts : No satisfactory proof of delivery has ever been provided No investigation outcome has been clearly communicated No refund has been issued XXXX XXXX has failed to meaningfully assist me in resolving this matter I have been disputing this for years, and the company has effectively ignored or dismissed my claims without resolution, leaving me financially harmed for merchandise I never received. 

This is a clear case of non-delivery of goods and failure to refund, and XXXX XXXX has not met its obligation to resolve the dispute fairly or provide evidence that the merchandise was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I disputed a charge with PNC for merchandise purchased online that was never received. The merchant provided me a USPS tracking number showing " delivered ''.

I later obtained written confirmation from a USPS Postmaster stating that the tracking number provided by the merchant as incorrect and was not addressed to my delivery address. USPS confirmed the tracking belonged to a different shipment and advised this may be part of a non-delivery fraud scheme. USPS confirmed in writing that the tracking number was not associated with my address. I believe PNC did not properly consider material evidence and did not conduct a reasonable investigation with the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday XXXX, my personal bag was stolen from the beach at XXXX XXXXXXXX, California that included my wallet, my phone, and my car keys. After discovering that it was stolen, I was able to locate the location of my phone through XXXX location sharing with my wife. My XXXX was located on the side of the road in XXXX California, about XXXX minutes away from where it was stolen. 

Once I was able to power up my phone, I saw text messages from the Wells Fargo app with verification code and discovered that my Wells Fargo App had been hacked. Since I was no longer able to get into my account due to my passwords being changed, I immediately called Wells Fargo 's customer services to inform them on the security breach. After spending almost an hour with customer service to get information on my account, they inquired about two charges made on XXXX at two separate XXXXXXXX XXXX locations totaling ~ {$17000.00}. I immediately disputed the charges, requested for my account to be closed, and a new account to be created. 


On XX/XX/year>, Wells Fargo left me a voicemail to say that my claim was denied and the claim was closed with the two fraudulent charges still on my account. No additional information was provided, no other resources to help with my case. I am now at a loss of {$17000.00} for charges that I did not make and immediately declared as fraud/theft.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am the borrower on a VA-guaranteed mortgage serviced by Freedom Mortgage. This complaint concerns improper handling of an approved forbearance, failure to provide required VA loss-mitigation options, and inaccurate credit reporting that caused significant financial harm. 
In XX/XX/XXXX, following a natural-disaster-related hardship, my loan was placed into an approved forbearance. Freedom Mortgages own credit reporting later reflected that the account was in forbearance and that payments were deferred through XX/XX/XXXX. 
After the forbearance period ended in XX/XX/XXXX, Freedom Mortgage did not provide a finalized repayment plan or clearly present all available VA loss-mitigation options. While I was attempting to work with the servicer and had not been provided a finalized plan, Freedom Mortgage retroactively reported the account as 90 and 120 days delinquent in XXXX and XX/XX/XXXX. 
This credit reporting caused significant harm. I was denied refinancing and other affordable credit options. As a direct result, I was forced to obtain a high-interest personal loan in order to make a large lump-sum payment demanded by the servicer to avoid foreclosure and collections. My mortgage payment did not change, and I was left with an additional {$1100.00} monthly obligation that continues to cause financial hardship.

Freedom Mortgage stated that the only repayment options available were a lump-sum payment or a 12 month short-term repayment plan with an unaffordable monthly amount. I was not offered a VA payment deferral, loan modification, or other standard VA loss-mitigation options. I was also told that I was locked out of other options based on a verbal phone conversation, without having been provided a complete written explanation of all VA options or given an opportunity to make an informed written election.

VA guidelines prohibit requiring large lump-sum payments at the end of forbearance and require servicers to evaluate borrowers for multiple loss-mitigation options, including payment deferral. After I disputed the credit reporting, the delinquency entries were removed and replaced with no data, further calling into question the accuracy of the reporting and servicing.

I am requesting review of Freedom Mortgages servicing practices, credit reporting, and loss-mitigation handling, and remediation to address the ongoing financial harm caused by being forced into high-interest debt due to improper servicing.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PROFICIO FINANCIAL SERVICES, LLC
State: OH

Complaint narrative:
a couple years ago in XXXX or XXXX a process was made in court to visit the minor child that is in the custody of the dad and he made the decision which company to choose. he chose connecting families so i thought and then went back on it. We clearly did not ask for there sercices and they have charged me to this day because of paperwork that i filled out. they have not sent the contract or agreement and they have not included that we did not go with there services so it goes on my account as i owe them and this is not the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: WA

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 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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> my bank ( XXXX ) sent an electronic payment to TD Bank in the amount of {$610.00} in payment to my XXXX XXXX account. My proof of payment ( which is attached ) documents that TD Bank processed the payment on XX/XX/year>. In checking my account balance on my XXXX XXXX account I see that the payment has not been applied to my account. 

I have contacted TD Bank multiple times and they have said they can not trace the electronic transfer. I have provided them with the Transaction ID number and the Trace number but they say that they do not have the ability to trace the transaction in their system despite having this information. They claim the sending bank must trace the transaction but I do not see how that is possible once TD has processed the transaction in their system. TD refuses to act in good faith to try to resolve the issue. 

The transmission was sent to the wrong account number. It was sent to the original account number when the account was originally set up but later changed when I notified them that I had not received the credit card for the account. They sent me a new card to replace the original one but did not notify me that the account number had been changed also. 

I have been making monthly payments to this account since XX/XX/year> using this same electronic transfer method ( with the old account number on the transfer ) and have not had a problem until the XXXX payment. TD Bank applied the payment to the new account number each month, until XXXX. I find it impossible to believe that they can not trace the XXXX payment. If it does not appear in either account then they must have electronically lost the payment. 
As mentioned above I have attached a copy of the proof of payment for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
These accounts are being listed on my credit report under my name without my permission or knowledge, and I have never authorized or handled them. This is entirely unacceptable, as it introduces inaccurate and misleading details into my financial history. I place great importance on my credit profile, and the presence of these unauthorized accounts has caused me considerable distress. I require immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

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 2025-12-15 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-15 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit report. I have previously disputed these items with the credit reporting agencies, but the inaccurate information continues to be reported. This reflects a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX XXXX  Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Reported Issue : Late Payment The late payment information being reported on this account is inaccurate. The payment history does not match my records. This is a clear accuracy issue under FCRA 1681i. I am requesting that the late payment history be reviewed, verified, and corrected to reflect accurate reporting. No deletion is requestedonly correction of inaccurate payment history. 
XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account shows late payments that are not accurate. Reporting inaccurate payment history violates FCRA requirements for accuracy and reinvestigation. Please conduct a full reinvestigation and correct the late payment entries if they can not be verified as accurate. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Reported Issue : Late Payment The late payment history on this account is incorrect. The information currently reported does not accurately reflect my payment behavior. Under FCRA 1681e ( b ) and 1681i, I am requesting correction of the inaccurate late payment history after proper verification. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. I am requesting documentation proving permissible purpose. If unavailable, this inquiry must be removed. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is not authorized. Please provide verification of permissible purpose or remove the inquiry from my credit file. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. Under FCRA 1681b, inquiries without permissible purpose must not be reported. Please investigate and remove if not properly authorized.

I am requesting CFPB assistance to ensure that the credit reporting agencies and furnishers comply with the Fair Credit Reporting Act by correcting inaccurate late payment histories and removing unauthorized inquiries that lack permissible purpose.

I respectfully request that CFPB require these inaccuracies to be corrected and that written confirmation of the resolution be provided.

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