vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive 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 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 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am writing to formally address an issue regarding my mortgage payment and subsequent reporting to the credit bureaus. On XX/XX/XXXX, a payment of {$2900.00} was made through XXXX XXXX. However, United Wholesale Mortgage indicated that the payment was returned on XX/XX/XXXX. 

A trace number and a letter from XXXX XXXX confirming that the payment was processed and accepted were faxed to United Wholesale Mortgage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Despite providing all requested documentation, the investigation remains unresolved to date. Ive spoken to XXXX different agents and the issue was eventually escalated. 

I received an email stating that the payment was received for XXXX, yet both my husband and I continue to be reported as late to the credit bureaus. This discrepancy is concerning and has negatively impacted our credit reports. 

Furthermore, I understand that the mortgage servicer has recently changed, which may have contributed to this error. In accordance with the Real Estate Settlement Procedures Act ( RESPA ), I am requesting that this mistake be promptly rectified, and that our payment status and reporting to the credit bureaus be corrected accordingly. 

I appreciate your immediate attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Please follow the timeline under 15 U.S. Code 1681g to delete the disputed accounts.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was charged {$170.00} by Capital One on my credit card on XX/XX/25 even though I havent used this card. This is the second time the same charge has occurred. 

When I contacted the bank, they told me they have nothing to do with the charge and could not explain it. I believe this charge is unauthorized or an error. 

I want the bank to investigate, reverse the charge, and ensure I am not billed again. I also want confirmation that this account is closed or frozen to prevent future unauthorized fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I was unable to remove or manage my credit freeze with TransUnion online or by phone unless I signed up for their credit monitoring service and allowed access to my credit score. This practice forces consumers to enroll in marketing or paid features in order to exercise their legal right to freeze or unfreeze credit, which I believe violates the Fair Credit Reporting Act. Unlike XXXX  and XXXX, XXXX system makes it unnecessarily difficult to manage freezes without agreeing to promotional terms or creating an account that markets financial products. I request the CFPB investigate XXXX freeze process and require them to offer a simple, non-promotional option for consumers to manage their credit freezes. 

Additional Inquiry : I am also deeply concerned about the possibility that TransUnion may be improperly sharing or granting indirect access to consumer credit information with major financial institutions such as XXXX XXXX  and others. These banks often pull reports from TransUnion, and if TransUnions system is allowing such access while a credit freeze is in placeor is embedding consumer data within its marketing or score-access toolsthis may represent a serious violation of consumer privacy rights under the Fair Credit Reporting Act ( FCRA ).

Based on my experience, TransUnions website appears to link credit freeze management with credit score and promotional access. This setup may allow data pathways for lenders or partners under the guise of marketing or personalized offers. I believe this could raise concerns about whether consumers are given full control or clear consent, which may warrant review for potential unfair or deceptive practices.

Moreover, despite the law requiring access
ible methods for consumers to manage their freezes, TransUnions system does not allow freezes to be placed or lifted over the phone in many cases, effectively forcing consumers into their online marketing portal to manage what should be a protected privacy function. This practice needs immediate investigation to determine whether it compromises consumer consent and fair access to credit freeze rights.

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 2025-10-20 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: AL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-20 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint regarding a disputed transaction between XXXX, XXXX, PayPal, and XXXX XXXX XXXXXXXX, resulting in a financial loss of {$970.00} USD. 

On XX/XX/year>, I purchased several XXXX domain names through XXXX XXXX PayPal XXXX believing the payment would be financed. Instead, PayPal withdrew the full amount directly from my XXXX  XXXX XXXX account, which caused my account to become overdrawn. 

XXXX has confirmed that I never received the domains, and they did not receive the payment. This means PayPal is currently holding the funds. I filed a dispute with XXXX  XXXX XXXX, but PayPal submitted false and contradictory documentation, claiming I was in possession of the merchandise. This is factually incorrect I never received or had access to the domains. 

As a result of PayPals false claim, XXXX  XXXX XXXX reversed my provisional credit, leaving me with a loss of {$970.00}. 

I am requesting that the CFPB investigate PayPals handling of this transaction and their submission of inaccurate information to my bank. I seek either ( 1 ) a refund of {$970.00}, or ( 2 ) delivery of the domains I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Dear Equifax 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 : DOE XXXX - XXXX * * * * * * * * * * * * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Experian RE : Method of verification Disputed Account-Discover Card XXXX # XXXX To whom it may concern On XXXX, I formally disputed the accuracy of information concerning the above refenced account on my credit report. Under the Fair Credit Reporting Act FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of my dispute and delete or correct inaccurate, incomplete, or unverifiable information within 30 days per Federal Law.

You subsequently reported that the account was verified as accurate. I am now exercising my right under 15 U.S.C 1681 ( a ) ( 6 ) ( iii ) to demand that you disclose : 1-Method used to verify this information 2-The name, address, and phone number of the furnisher of the information and with whom you verified the account.

Please provide this information in writing within 15 calendar days from the date of your receipt of this file.

Relevant Law 15 U.S.C 1681 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide this information, or to have conducted a reasonable investigation, violates your obligation under FRCA and exposes you to liability under 15 U.S.C 1681 n and 1681 o for statutory damages, actual damages, cost and attorney fees. 
Legal precedent XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I forward to your prompt written reply.

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 2025-10-20 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Olympus1 LLC
State: TX

Complaint narrative:
Back in XXXX of XXXX, I, by way of phone conversation and by written notice on the website of Alleviate Financial Solution, told them that I could no longer pay the $ XXXX  monthly fee and that I had to cancel my contract with them. I filled out all of the paperwork them required of me and finally received a check for the little money that was left in the account. 

However, they continue to call me asking me to resign up with them. I told them that I still couldn't sign up and asked them to stop calling me, but they continue to call me from different phone numbers five and six times a day ; everyday since XXXX of last year. I have saved several of the phone numbers that I have to block everyday. They have been harassing me everyday for the pass year now. 

I want them to stop calling me ; and yes I have told them this several times. I stopped answering their calls back in XXXX of last year but they continue to call me everyday. Here are some of the phone numbers they call me from : 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. Please HELP ME. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I explicitly requested that Wells Fargo remove or disable overdraft coverage from my checking account, as I did not wish to authorize any overdraft transactions or incur related fees. A Wells Fargo representative confirmed that my account was opted out of overdraft coverage. 

Despite this, Wells Fargo continued to process transactions that exceeded my available balance and subsequently assessed twelve ( 12 ) overdraft fees of {$35.00} each. When I contacted customer service, I was informed that a partial refund of {$70.00} would be issued. However, I have not received that amount either.

Because I had revoked consent for overdraft coverage, these fees should not have been charged under Regulation E ( 12 CFR 1005.17 ), which requires affirmative consumer consent ( opt-in ) before assessing overdraft fees on ATM and one-time debit card transactions. 

I am requesting that Wells Fargo conduct a full review of my account, refund the total amount of overdraft fees assessed after my opt-out request, and confirm in writing that overdraft coverage has been fully disabled on my account.

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 2025-10-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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.

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 2025-10-20 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-20 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief