vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I'll start with this question : Can more than XXXX mortgage servicer be assigned to a loan at a closing on a house? On XX/XX/year>, I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXX Loans at my closing, but Carrington Mortgage Services , LLC is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). XXXX, XXXX  XXXX, XXXX and XXXX XXXX XXXX, XXXX have somehow teamed up in an attempt trying to take my home. Carrington Mortgage Services , LLC is a registered collection agency with the state of XXXX XXXX and I never signed a contract with them to do business. I have attached some documents however, there are more supporting documents that were too large to attach, so if I need to send additional information, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
CFPB Complaint Inaccurate Late Payments Issue, credit reporting, fraudulent activity. Inaccurate reporting of late payments on my credit reports I am filing this complaint because my creditors are inaccurately reporting late payments on my credit reports across all three major credit bureaus. These late payments are false and remain on my reports despite multiple disputes. I have formally disputed these items directly with the credit bureaus and the creditors, but the late payments remain without proper validation or supporting documentation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to report accurate information. Likewise, under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation within XXXX  days of a dispute. Accounts in question ( as listed on my credit reports ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBE Group I am also concerned about recent data breaches involving the credit bureaus, which could contribute to inaccurate reporting. Regardless, the bureaus are required under the Fair Credit Reporting Act to investigate and remove unverifiable information promptly. To date, neither the creditors nor the credit bureaus have provided sufficient evidence to substantiate the reported late payments. I request that these inaccurate late payment entries be removed immediately from my credit reports unless the creditors can provide proper documentation proving their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On [ XXXXI discovered that unauthorized charges had been made on my Wells Fargo account ending in XXXX. The total amount of the fraudulent charges is [ total amount ]. 

I did not authorize these transactions, nor did I give my card or account information to anyone. I believe someone took my card or obtained my account information without my consent and used it to make purchases Upon discovering the unauthorized charges, I immediately contacted Wells Fargo to report the fraud. My initial fraud claim was filed on XXXXand has since been denied. 

I am requesting that a formal investigation be conducted, and that I be reimbursed for the unauthorized charges. I also request that my account be secured to prevent further unauthorized use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
{$100.00} was charged to my Bank of America XXXX credit card for online dating app that I did not agree to. I contacted Bank of America to report fraud but my account has not been credited.

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 2025-09-18 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: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
I HAD A XXXX DOLLARS DEPOSITED IN MY ACCOUNT TO PAY MY INSURANCE. I IMMEDIATELY TRIED TO TRANSFER TO PAY INSURANCE AND IT WAS NOT ALLOWED THIS WAS ON XX/XX/year>. FOR SEVERAL DAYS AFTER I TRIED TO SEND AND WITHDRAW THE MONEY TO MYSELF AND FRIENDS TO NO AVAIL.. I THEN CALLED CASH APP XXXX NUMBER AND THEY TOLD ME IT WOULD BE ESCALATED TO A SPECIALTY TEAM AND I WOULD HEAR BACK THROUGH EMAIL. I HAVE NOT I MADE ABOUT XXXX OF THESE CALLS ALL WITH NO RESOLUTION OR CALL BACK XXXX DAY WHEN I WAS SCROLLING ACCT AND EMAIL ACCT I FOUND A RESPONSE FROM SOMEONE AT CASH APP THAT SAID WE NOTICED SUSPICIOUS ACTIVITY ON FOR A TRANSACTION WHERE I SENT A FRIEND XXXX DOLLARS AND WROTE XXXX IN THE NOTES THEY WANTED ME TO EXPLAIN THIS TRANSACTION OR MY ACCOUNT WOULD BE SUSPENDED NOW THIS WAS XXXX WEEEKS AFTER THE XXXX DOLLAR TRANSACTION SO NOW I KNEW WHY IT WAS SUSPENDEED BUT CAN NOT GET ANYONE TO TELL ME HOW TO UNSUSPEND OR HOW TO JUST GET MY XXXX DOLLARS AND CLOSE THE ACCT. ITS BEEN MONTHS AND I NEED XXXX DOLLARS THATS A LIGHT BILL A WEEKS GROCERIES GAS I NEED MY MONEYANDCANT GET IT OUT...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: HI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify as identity theft under federal law. 

On XX/XX/year>, I submitted a complete identity theft block request, including an FTC Identity Theft Report, government-issued identification, Social Security card , and proof of address. Despite this, the CRA has failed to block and delete the fraudulent information within the required 4 business days, as mandated by 1681c2.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not produce documented evidence such as contracts, signed applications, or chain-of-title records, they are legally required to remove the information immediately.

I am attaching the following supporting documents : FTC Identity Theft Report Government-issued ID Social Security card Proof of address A list of disputed accounts and inquiries Requested Resolution : I request the immediate block and permanent deletion of all unauthorized or unverifiable accounts, inquiries, and collections, along with written confirmation and a corrected copy of my credit file. 

Please see attachments below!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: HI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify as identity theft under federal law. 

On XX/XX/year>, I submitted a complete identity theft block request, including an FTC Identity Theft Report, government-issued identification, Social Security card , and proof of address. Despite this, the CRA has failed to block and delete the fraudulent information within the required 4 business days, as mandated by 1681c2.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not produce documented evidence such as contracts, signed applications, or chain-of-title records, they are legally required to remove the information immediately.

I am attaching the following supporting documents : FTC Identity Theft Report Government-issued ID Social Security card Proof of address A list of disputed accounts and inquiries Requested Resolution : I request the immediate block and permanent deletion of all unauthorized or unverifiable accounts, inquiries, and collections, along with written confirmation and a corrected copy of my credit file. 

Please see attachments below!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO-ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP THANK YOU. 





Please remove all negative accounts that are not associated with my personal information, by law is required for you to remove within30 days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
The credit bureaus and creditor are inaccurately reporting a late payment on my open account. This is false, misleading, and unverified. The account is active and paid as agreed, yet it continues to show a derogatory late remark.

This reporting violates : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i : Obligation to investigate and correct disputed information FCRA 623 ( a ) : Furnishers duty to report accurate data Truth in Lending Act, 15 U.S.C. 1666 : Billing error correction requirements Despite prior disputes, the bureaus and creditor have failed to correct this error, which constitutes willful noncompliance. Reporting an account as both current and late is contradictory and misleading under Metro 2 compliance standards.

This error also increases my risk of harm given my personal information was compromised in the Equifax Data Breach and National Public Data Breach. I should not be exposed to further consumer harm due to inaccurate and unverified reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
The credit bureaus and creditor are inaccurately reporting a late payment on my open account. This is false, misleading, and unverified. The account is active and paid as agreed, yet it continues to show a derogatory late remark.

This reporting violates : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i : Obligation to investigate and correct disputed information FCRA 623 ( a ) : Furnishers duty to report accurate data Truth in Lending Act, 15 U.S.C. 1666 : Billing error correction requirements Despite prior disputes, the bureaus and creditor have failed to correct this error, which constitutes willful noncompliance. Reporting an account as both current and late is contradictory and misleading under Metro 2 compliance standards.

This error also increases my risk of harm given my personal information was compromised in the Equifax Data Breach and National Public Data Breach. I should not be exposed to further consumer harm due to inaccurate and unverified reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In early XX/XX/2025, I submitted a formal debt validation request to Wells Fargo regarding an account that appears on my credit report as a charge-off. Despite my request, Wells Fargo failed to provide any legally sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ). Instead, they returned a general account summary that lacked key documentation such as a signed contract, accounting history, or assignment of debt. 

I then submitted disputes to the major credit bureaus ( XXXX XXXX XXXX ) requesting removal of the inaccurate and unverified entry. Subsequently, I received a credit denial from XXXX XXXX XXXX XXXX on XX/XX/2025, for XXXX dls directly due to the negative Wells Fargo account still appearing in my report. 

The stress caused by this inaccurate and unvalidated debt has affected my mental health and financial stability. Despite my good faith attempts to resolve the matter directly with Wells Fargo, they have not responded with the legally required documentation to support the claim. 

I am requesting a full investigation into Wells Fargos reporting and validation practices, as well as a correction or deletion of the account from all major credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been out of work for almost a year. It was not until XXXX that they offered a hardship program. I called in XXXX to keep my account from being discharged and made a {$15.00} payment. 
On XX/XX/XXXX, a {$58.00} payment was debited from my account without my permission and I missed it. On XX/XX/XXXX, another payment was debited without my permission. When I spoke to XXXX, she stated that I was in my account and scheduled those payments on XX/XX/XXXX. I did not schedule any online payments and I am concerned on how they are able to schedule a payment on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
ACCOUNT MIDLAND CREDIT MANAGEM XXXX I am unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide " Certified Mail : with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation