vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: M&T BANK CORPORATION
State: CT

Complaint narrative:
I had a fraud purchase from XXXX XXXX to my M & T checking account, i was originally credited back my money from the bank but a couple weeks later i got a letter in the mail saying my investigation was denied because i had authorized the purchase, which i did not. One purchase was for {$730.00} and another for {$25.00}. They told me to contact the merchant for my money back, but i need to figure out a solution now because my checking account is now in the negative because of them taking my money back.

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 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called them multiple times regarding my XXXX card. the payments were scheduled with an agent on the phone and not taken out of my account. they removed the late fees but not the main issue which is late reporting. you can not report me late when i attempted to pay and scheduled a payment with an agent. just remove the late reporting and this will be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

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 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We shopped at XXXX XXXX XXXX purchased jewelry and was fed cocktails and we bought jewelry last year .This year getting our home insurance we were advised to insure our jewelry and contents. We were told to get a appraisal and was in shock as was told by one jewelry store only worth XXXX XXXX XXXX  another one just laughed and said you got scammed.XXXX XXXX did send XXXX appraisal receipt.We paid over XXXX XXXXXXXX XXXX and are in debt for this amount.We are shocked XXXX XXXX XXXX would send people to these jewelry store to purchase from knowing they are scamming customers.We are still getting other appraisals on my jewelry.These jewelry stores are working with the XXXX XXXX and is taking advantage of the people with liquor and saying discount with the ship you are on. All scamming the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 explanation
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: AZ

Complaint narrative:
Betterment for the XXXX time has placed a hold on funds that I deposited via the XXXX XXXX party verification system. They claim they are not able to verify I am the owner of the funds. Betterment seems to have a policy of allowing funds to come in and THEN putting them on hold and paying not interest for the money on hold. They have asked that I provide a bank statement for the account the funds came in from. I don't want Betterment having my bank statement, that was the entire point of using a secure XXXX party system. Betterment is sitting on {$77.00}, XXXX of money and not paying interest. I had requested a $ XXXX transfer to move funds to my brokerage account outside of Betterment. Those funds are now on hold and it has cost me money that I would have made in trades I was not able to place. 
Betterment is consistently holding funds without paying interest in an effort to make money off float, not to secure accounts. If they were looking to secure accounts they wouldn't have allowed the money to come in. Instead they allow the money to come in and then tie it up and don't pay interest. If anyone is home at the CFPB still they would stop this fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Wells Fargo Bank , N.A . 
Credit Disputes Department RE : Dispute of Unauthorized Account and Request for Immediate Removal from Credit Report Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX XXXX XXXX I am writing in response to your recent letter in which you claim that I authorized the credit account opened on XX/XX/XXXX in connection with a transaction at XXXX XXXX XXXX XXXX I would like to firmly reiterate that the signature on the credit application you provided is not mine, and I did not authorize the opening of this account. 
Additionally, the document you enclosed contains no date next to the alleged signature, further casting doubt on its authenticity. I am requesting that you provide verifiable evidenceincluding dated and legally-binding documentationconfirming that I personally applied for or used this account. Absent such proof, you are in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate or fraudulent information.

Furthermore, per the FCRAs seven-year reporting limit under 605 ( a ), this accountwhich you stated was charged off on XXXXmust be removed from all consumer reporting agencies no later than XX/XX/XXXX. Since this date has now passed, I demand the immediate removal of this account from all my credit reports. 

I also request that you : Cease all credit reporting related to this account immediately. 

Delete the account from my credit file at all consumer reporting agencies. 


Provide written confirmation of the deletion and resolution of this dispute. 


If you fail to comply, I will not hesitate to escalate this matter by filing complaint with the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office. 

I expect your written confirmation of the deletion of this account within 15 days of receipt of this letter. 

Sincerely, 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 2025-04-24 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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally address a serious issue regarding my account with Wells Fargo. Upon closing my account, the remaining balance of {$1000.00} was not issued to me via cashiers check, despite confirmation from Wells Fargo representatives that the check was processed and intended to be mailed to the following address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX own phone records confirm that I notified the bank of my relocation overseas, which significantly impacts my ability to receive physical checks, even though my mailing address remains valid. Despite this, Wells Fargo has failed to reissue the check or provide an alternative means of retrieving my funds. 

Due to this failure, I am now seeking compensation for : Damages : {$250.00} for the inconvenience and failure to release my funds in a timely manner. 

Lost interest : Based on a 25.5 % APR since XX/XX/year>, the accrued interest on {$1000.00} amounts to approximately {$75.00}. 


Total compensation requested : {$1300.00} To avoid escalation and potential legal action, I request that Wells Fargo immediately deliver a registered mail containing a cashiers check in the amount of {$1300.00}, payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please treat this matter with urgency and provide confirmation of the resolution as soon as possible. 

Sincerely, 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 2025-04-24 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: CT

Complaint narrative:
On XX/XX/XXXX a monthly payment for my XXXX XXXX XXXX was due. Up to that point I had been paying everything on time with no issue. I made sure autopay was turned on as well to make sure this would never happen. And up until recently this month i was told that my loans are now 90 days past due. I never received any sort of notification saying that it had been 30 days or even 60 days only 90 which unfortunately has no impacted my credit score immensely. Im very punctual with my payments regarding anything bill related.

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 2025-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complainant : XXXX XXXX : of the XXXX family Date : XX/XX/XXXX Subject : Wells Fargo Mortgage Servicing Fraud, Escrow Misuse, Credit Reporting Abuse Complaint Summary I am filing this complaint against Wells Fargo Bank , N.A . regarding unlawful mortgage servicing conduct, escrow fund withholding, credit reporting abuse, and forced-placement insurance manipulation tied to the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This property was lawfully reconveyed in XXXX to the XXXX XXXX XXXX XXXX XXXX, of which I am the sole trustee. 
Key Allegations Wells Fargo falsely reported a foreclosure on my credit reports XXXX XXXX XXXX XXXX  ) despite having no lawful right to do so after XXXX. 
They withheld my escrow funds after the trust reconveyance, violating RESPA regulations. No statements were provided despite repeated requests. 
Wells Fargo used my escrow funds to pay a forced-placement home insurance policy where they are listed as the loss payee. 
They have not released my insurance rights or provided transparency regarding premiums or the policy provider. 
The financial and emotional damages caused include loss of housing opportunities, financial instability, and worsening of my service-connected conditions.

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 2025-04-24 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:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief