vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: WY

Complaint narrative:
Today, XX/XX/XXXX, I received a letter, which is attached to this email along with the statements received, dated XX/XX/XXXX, that states Enclosed is the statement ( s ) that you requested. Please contact our office to avoid further collection efforts. I am noting I never requested this information at all. During a previous call about another attempt these two ( 2 ) efforts were made but I made it very clear during that call neither of these bills were mine. When I called in today, the first operator would not let me explain anything and kept being rude and overspeaking to me, I was transferred to a supervisor who did the same thing until I was finally transferred to XXXX XXXX sp ). In my opinion, she was less than helpful. 
In regard to the following statements that were mailed to me : XXXX XXXX XXXX XXXX XXXXn XXXX, Oklahoma. I have never been to XXXX, Oklahoma in my life. When I explained this, I was told that it could have been anywhere. When I asked for further documentation, I was told that this is all you have. This is not acceptable, and I feel violated the XXXX, if you do not even know who provided the service, how can I verify the service. I asked for more information and then was told it was XXXX. No idea who this is or how to contact them. This debt is not mine and your company can not even prove that I received service. Sending a statement does not show any proof that I received services and then to give me the name XXXX does no good. You have an obligation to provide actual proof not just a bill under the Fair Debt Collection Act. I can not contact any of these people as I have no contact information. 

XXXX XXXX XXXX. I was an inmate of the Wyoming Department XXXX XXXX as an inmate on the date of service, XX/XX/XXXX. As you are a licensed attorney in the XXXX of Wyoming, you should be aware of that statute. Wyoming XXXX XXXX will provide you with guidance on this issue, should you need it. I have provided a newspaper article, showing my sentence date and the amount of time. I attempted to give this information to XXXX but she refused to take it. 
I am hoping your company does the right and correct thing and sends these back with notations to the companies informing them that these debts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTo:\nMr. Cooper XXXX XXXXnAttn: Customer Service / Disputes Department\XXXX XXXX XXXX XXXX XXXXXXXX\n\nSubject: Formal Dispute of Unrecognized XXXX Loan/Charge accountXXXX\n\nDear Mr. Cooper XXXX XXXX,\n\nI am writing to formally dispute an amount of XXXX that appears to be associated with my name and/or account. I do not recognize this debt or any transaction related to this amount. I have never applied for, signed, or authorized any loan, credit, or agreement for this amount with Mr. Cooper or any related entity.\n\nI am deeply concerned that my personal information may have been used without my consent. I request that you immediately investigate this matter, provide all documentation and signatures associated with this alleged loan, and remove any inaccurate or unauthorized records connected to my name.\n\nPlease provide written confirmation that you have received this dispute and are investigating. I also request that you do not take any negative credit reporting or collection actions while this matter is under review, as I am exercising my rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).\n\n\nThank you for your prompt attention to this serious issue. I look forward to your written response within 30 days as required by law.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been a Wells Fargo customer since XXXX. Over the years, Wells Fargo linked multiple credit cards and credit lines to my checking account for overdraft protection without my clear consent or understanding of the terms. I was charged recurring overdraft and interest fees that I did not knowingly authorize. 
I contacted Wells Fargo several times about these overdraft fees, but the issue was never fully reviewed or corrected. These unauthorized credit lines and fees contributed to ongoing financial hardship and ultimately led to bankruptcy. 
I am requesting that Wells Fargo identify all overdraft-related credit products tied to my name and accounts since XXXX, determine whether they were legitimately authorized, and refund any improper fees or interest. I would also like confirmation of whether I qualify for any active Wells Fargo restitution or settlement programs related to these issues. 
When I first opened my account around XXXX, I made a cash deposit of approximately {$2000.00} that disappeared from my account a few days later. Wells Fargo representatives initially denied that the deposit occurred and argued that I had no proof. After I located my deposit receipt, the bank confirmed the funds and re-credited my account. I later learned that the teller who accepted my cash had pocketed it instead of depositing it. This incident caused deep mistrust in the bank and established a pattern of unresolved or mishandled issues that continued in later years with overdraft and credit-line problems. 
This incident took place at the Wells Fargo Bank XXXX Branch ( now closed ), XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. At the time of the XXXX deposit incident, I lived at XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
I also believe XXXX bias XXXX have influenced how my situation was handled, as I was treated dismissively and unfairly during this and later incidents.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: VIN Title LLC d/b/a Discount Title Loan
State: TX

Complaint narrative:
On XX/XX/XXXX i did a car Title Loan contract with Discount Title Loan in XXXX, Texas. The amount of the loan was for {$5000.00} for my XXXX XXXX IS XXXX Title.On XX/XX/XXXX i became ill at the VA XXXX and was unable to make the monthly payment of {$1300.00} for XXXX Discount Title Representative call because their was no money in my account to make the payment and i explained to the representative that i was sick due to some XXXX i currently have. I explained that my medical and other household bill had doubled and i could not make the payments as scheduled in the contract. I volunteered to have the company repossess my car and keep the car Title they agree but never came to pick up the car. The company representative call me again while i was in the hospital on XXXX XXXX, XXXX, at XXXX to demanded that i make a payment and stated they didn't want the car. I told the representative to stop harassing me because i am sick and don't have any money to pay. They have the car and Title this matter is closed. This company has violated State Regulations and Federal laws regarding the loan contract. I have filed a police report on the individual who called and threated me if i didn't pay Discount Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-04 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-04 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. Outstanding Compliance Iss
ues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
I've requested the original contract to be sent to my address on file and remove the account from my credit report because it's too old. It's been about 9 years or more since this has appeared on my credit report. Whenever I contact the credit bureau the response would simply be " the information is correct on your report. '' Please correct this issue asap. The collection agency is reporting that the account is as new as XXXX XXXX  which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I am disputing the items listed under the " Charged Off, '' " Inquiries, '' and " Late Payments '' sections as they do not accurately reflect my credit history. The accounts in question either contain incorrect information or are not being reported in compliance with FCRA guidelines. I request an immediate investigation and removal or correction of these inaccurate items. 

CHARGED OFF No accounts reported. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB Team, I was the victim of identity theft of a Citibank XXXX XXXX XXXXXXXX XXXX XXXX by Citi Bank. From XX/XX/year> through XX/XX/year>XXXX  a number of fraudulent charges were made to my account ( please see attached ). All of these charges were in the NY area. I live in XXXX, IL near XXXX and was never in NY this year. My attempts to resolve this matter with Citi on the phone and at a nearby bank branch have not helped to clear this up. I first opened this card around XXXX when I became a XXXX XXXX and this card was offered to me. I have never used the Citi card except to renew my XXXX membership ( around {$100.00} per year ). My balance on this card should be {$0.00}. 

Please see attached document showing the fraudulent activity on my card. Someone in the NY area obtained a Citi Credit Card with my name on it. The charges shown on page 2 are all fraudulent.

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX Email : 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 monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TN

Complaint narrative:
To : Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Inaccurate Late Payment Reporting under 15 U.S.C. 1666b Dear Discover Bank, I am writing to formally dispute the late payment ( s ) reported on my account [ insert account number ]. According to federal law under 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless they have complied with the notice and timing requirements stated in 15 U.S.C. 1637 ( b ). 

This statute requires that billing statements, including payment due dates, must be mailed or delivered at least 21 days before the payment due date. I have reason to believe that this requirement was not met in my case. Therefore, I am requesting that you provide documented proof that the billing statement ( s ) related to the alleged late payment ( s ) were mailed or delivered at least 21 days prior to the due date, as required by law.

If you can not provide such proof, you must immediately remove the late payment ( s ) from my credit report and correct any negative information furnished to the credit reporting agencies, as the reporting of a payment as late would then be inaccurate and in violation of federal law.

Please complete your investigation and respond to me in writing within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Thank you for your attention to this matter. I expect a timely and lawful resolution. 

Sincerely, XXXX XXXX Last Four Digits of SSN : XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : 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 XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} Inquiries : None listed for Experian. 

Positive Accounts : None listed for Experian. 

Late Payments : 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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase closed my account and is currently holding my funds within my account. Ive spoken with numerous representatives and there is no solution for this matter. Upon closing my account, I visited the branch and the branch manager reopened my account because there was absolutely no fraudulent activity on my account, to only be disappointed that Chase closed it again, without notification. Ive asked for my funds to be released to me, while inside of the branch, but the representative said its up to the phone representative and the phone representative said that it was up to the branch representative. So, I stated that I needed my funds, in regard to payment for my rent, and other bills, but there has yet to be a solution. Chase is withholding my money and is giving me the run around about my money. Not to mention, Chase never reached out to me regarding the issue, only denied my online access and is currently withholding funds that I deposited into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I see on my credit report that they are reporting charged off as bad debt/Purchased by another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation