vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and late payments that appear on my credit report. I respectfully request a thorough investigation of the following discrepancies, as they appear to be inaccurate or incomplete. These issues are negatively impacting my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 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 non-monetary relief
Consumer complaint received 2025-11-19 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:
I am writing to formally dispute inaccurate information reported on my TransUnion credit report. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information being reported to the credit bureaus. I request a thorough investigation and the correction or deletion of the following accounts due to the identified inaccuracies and violations : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4900.00} Dispute Reason : FCRA Violation : Account incorrectly listed as charged off when payment terms were agreed and followed. 
XXXX XXXX : Lack of proper notification regarding account status. 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Dispute Reason : FCRA Violation : Account marked as charged off without verifying payment details. 
XXXX XXXX : Account should not be listed as a collection, but rather as settled due to agreed terms.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to express my severe disappointment and formally dispute a recent charge for excessive interest. I have been a loyal, long-time Wells Fargo XXXX for many years, maintaining both a primary mortgage and XXXX separate credit card accounts with your institution. My history of financial responsibility should reflect the value of this long-standing relationship. 

Details of the Issue The core issue stems from my accidental confusion regarding the payment setup for my XXXX separate credit card accounts : the low-interest card and the high-interest card. Due to this honest and careless mistake, I inadvertently made the minimum payment on the high-interest card instead of the full statement balance, resulting in a significant accrual of interest over a short period. 

Upon identifying the error, I contacted Wells Fargo immediately. The total accrued interest due to this payment confusion amounted to several XXXX dollars. While I acknowledge the possibility of customer error in the initial payment setup, I believe the resulting charges are disproportionate and unfairly applied given my status as a dedicated, multi-product customer. 

Inadequate Resolution Attempt Following my report of the issue, I spoke with a representative at the highest level of customer support available to me. Despite my history and the clear communication of my accidental oversight, the maximum proposed resolution was a refund of only {$50.00}. 

I find this offer unacceptable and disrespectful to a long-term customer relationship. It feels fundamentally unfair that a major financial institution would prioritize making " greedy money '' from an honest, careless mistake made by a customer who provides them with significant, stable business through both credit services and a mortgage. 


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 2025-11-19 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: NC

Complaint narrative:
THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE, I HAD AN AUTO LOAN WITH XXXX XXXX XXXX XXXX XXXXXXXX AND VEHICLE WAS STOLEN AND THE INSURANCE COMPANY THAT I HAD PAID XXXX XXXX XXXX  ACCOUNT IN FULL BUT XXXX XXXX XXXX  IS REPORTING LATE BUT THEY RECEIVED AND TOOK KNOWLEGMENT OF THE PAYMENT FROM INSURANCE COMPANY, THEREFORE NO LATE SHOULD HAVE BEEN POSTED TO MY CREDIT REPORT DUE TO THE FACT XXXX XXXX XXXX TO RESPONSIBLITY OF THE PAID ACCOUNT ONCE RECIEVED THE FUNDS FROM THE INSURANCE COMPANY CLAIM. THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE

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 2025-11-19 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: NC

Complaint narrative:
THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE, I HAD AN AUTO LOAN WITH XXXX XXXX XXXX XXXX XXXXXXXX AND VEHICLE WAS STOLEN AND THE INSURANCE COMPANY THAT I HAD PAID XXXX XXXX XXXX  ACCOUNT IN FULL BUT XXXX XXXX XXXX  IS REPORTING LATE BUT THEY RECEIVED AND TOOK KNOWLEGMENT OF THE PAYMENT FROM INSURANCE COMPANY, THEREFORE NO LATE SHOULD HAVE BEEN POSTED TO MY CREDIT REPORT DUE TO THE FACT XXXX XXXX XXXX TO RESPONSIBLITY OF THE PAID ACCOUNT ONCE RECIEVED THE FUNDS FROM THE INSURANCE COMPANY CLAIM. THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have recently been contacted by ALLY FINANCIAL regarding a debt allegedly owed. However, I do not have sufficient information to confirm that the debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report, as provided by the credit bureaus. Below are the accounts that I believe are inaccurate and should be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-11-19 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: AL

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 2025-11-19 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 want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Georgia XXXX and XXXX sold account to XXXX XXXX. Georgia XXXX and XXXX took this accident case base on lawyer who sent me there XXXX XXXX XXXX Attorney. They were working together to XXXX me. Only went to the XXXX time never went back! Tried to scam me to getting XXXX dollar shot!!!!!!!! 
Georgia XXXX and XXXX will not return calls sent them letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint against TransUnion because this is the second time I am requesting the correction of inaccurate personal identifying information in my credit file. These inaccuracies continue to harm my credit score and create confusion with accounts that do not belong to me. 

Despite previously submitting a dispute with the correct personal data and supporting documentation, TransUnion has failed to make the required corrections. 

Correct Personal Information Full Legal Name : XXXX A XXXX XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX The ongoing reporting of incorrect information violates my rights under the Fair Credit Reporting Act ( FCRA ), including : Laws Violated 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation after a consumer disputes inaccurate information. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that superficial or automated verifications do not meet FCRA standards. 

These inaccuracies have caused damage to my credit profile and continue to affect my ability to access fair credit opportunities. 

Requested Resolution ( Fair Solution ) Correct and update ALL personal information to reflect ONLY my accurate identity. 

Remove any inaccurate, mismatched, or unverified personal data. 

Provide written confirmation once all corrections are completed. 

Ensure safeguard procedures to avoid future mismatching with information that does not belong to me. 

I request the CFPBs intervention to compel TransUnion to comply with federal law and correct my file promptly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
In XXXX  approximately XXXX, I paid my homeowner 's insurance. I advised NewRez aka Shell Point of this. This created confusion that they have not been able to straighten out. 
Subsequent to that I paid my real estate taxes. 

The bottom line is that my escrow account is in the negative, which is incorrect. Additionally, it can take XXXX minutes or more to reach a human. This is NOT hold time, this is trying to navigate their automated voicemail that continually hangs up the call.

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 2025-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money network XXXX ) Sent me XXXX debt cards that never worked but once. 
XXXX ) I can not speak to a representative without an active debt card. 
XXXX ) The last time I spoke to a representative they said that they mailed out payments to me. I explaned that I did not receive them. They told me that they would get back in touch with a few business days later. I have never heard back since about XX/XX/year>. 
XXXX ) I am seeking about {$5000.00}.

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 2025-11-19 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: NC

Complaint narrative:
The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
My statements show payments being made to XXXX  XXXX. XXXX XXXX on a monthly basis was showing payments were not being made after I made them on the phone with a representative. Some months it was almost XXXX  days after the payment was taken from my bank account. Around XXXX they were saying I missed a payment. 
XXXX offered a workaround payment plan. They did not send modification agreements. It was all verbal over the phone. The workaround was to pay {$1200.00} versus the XXXX normally XXXX XXXX  months. No point in time was XXXX told that XXXX XXXX his ex-wife, who is litsted on the mortgage, would have to be at the notary for final documents to be signed. It appears from our mortgage statement that no payments have been made since XXXX when in reality payments were made every single month they're being held because the payment wasn't made in full. I have attached the monthly statements from XXXX and XXXX. It is showing multiple months of missed payments since XXXX however the paid year to date in XXXX was {$5100.00} and the paid year to date in XXXX is XXXX. How did I not make any payments but paid almost {$4000.00}.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 w
as 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.

I demand that the following items be deleted immediately from my credit 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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I owe ulta ( the makeup store ) like XXXX XXXX I talked to the lady that keeps calling me 2 weeks ago and told her I don't have the money to pay anything on that debt right now. Im not ignoring it I just don't have the funds to spare. Im a single mother, struggling to keep afloat. Between this lady calling for XXXX and commenity * * * bank calling for XXXX. They call me 12 times a day. 12. 9 come from this lady and 3 come from the bank. Im at work from XXXX to XXXX, which I told this lady already and its why I cant answer the phone. But its now a problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$100.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00}

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 2025-11-19 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: AZ

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting of my credit accounts. The following accounts and inquiries are disputed for the reasons specified below. Please review and take corrective actions based on the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

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

Company response to consumer: Closed with non-monetary relief