vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$28.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-05 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: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I am writing to formally raise a concern regarding the inaccurate reporting of my mortgage account with Land Home Financial Services and to request immediate corrective action. 

On XX/XX/XXXX, I spoke with a representative identified as Operator ID # XXXX During this conversation, I requested that a correction letter be sent to all three major credit bureaus to remove a past due amount that was erroneously reported on my credit file. 

I was approved for a three-month forbearance through Land Home Financial Services Loss Mitigation Department , as outlined in the attached Forbearance Agreement, covering the period from XX/XX/XXXX through XX/XX/XXXX. At the time of application, I was informed that the deferred payments would automatically be added to the end of my loan term. I resumed my regular mortgage payments on XX/XX/XXXX, and that payment was made on time. 

The representative explained that the negative credit reporting was due to my not contacting the company prior to the end of the forbearance period to request an application to formalize the deferral of the arrearage. She stated that she would mail the necessary application to initiate this process. 

Upon receipt of the application, I completed and submitted it, and was subsequently approved to defer the three-month arrearagetotaling $ XXXX the end of my loan term, maintaining the original maturity date of XX/XX/XXXX. Please see the attached Promissory Note for reference. 

Despite this, my credit report continues to reflect late payments, prompting me to contact the Loss Mitigation Department via email. I was informed that the department would not reverse the reported delinquencies. 

I would like to highlight that Clause 4 of the Forbearance Agreement is misleading, particularly the final sentence, which states : The debt, if not sooner paid, shall be due and payable on the first day of XXXX/XXXX/XXXX. This language strongly implies that the deferred payments would be due at the end of the loan term, not immediately following the forbearance period. 

This matter is having a detrimental impact on my credit profile and score, which I have consistently and conscientiously maintained. Had I been made aware that participation in the forbearance program would result in such adverse consequences, I would not have elected to enrollespecially given my history of timely mortgage payments. 

For your review and consideration, I have attached the relevant documentation, including the Forbearance Agreement, Promissory Note, and email correspondence with the Loss Mitigation Department.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX credit card runs XXXX for card holders to book airline travel & hotel stays. I booked some hotel stays thru them. 
One the hotels ( XXXX XXXX XXXX XXXX XXXX, XXXX ) didn't offer breakfast contrary to what XXXX advertised that breakfast is included in the price they charged me. I didn't complain At the next hotel ( XXXX XXXX, XXXX XXXX, XXXX ) the hotel had no room for me because XXXX did not transmit my booking info & my payment to them. I was now faced with the inconvenience & extra expenses to going around to look for another hotel. I later emailed XXXX about this & asked them to refund my payment, they never did After I returned from my trip, I contacted Hotels.com com about the refund, they sent me a condescending email saying they'll consider giving me a " goodwill gesture ... '' I replied, advising them that this is no good will gesture, it's my right since they failed to render the service for which the took a payment. I reminded them of similar issue a few months earlier when they took my payment but never passed my booking & payment to the hotel ( XXXX XXXX XXXX, XXXX XX/XX/XXXX ) for which I didn't complain because I thought that was a one off error. 
I also fwded them the message from XXXX XXXX where they said I should contact XXXX for my refund because they ( XXXX ) never received my payment or info from XXXX To resolve the situation & compensate me for the inconveniences they caused me in the current situation with XXXX XXXX, I asked XXXX to refund my {$22.00} payment as rewards credit as well as credit me a paltry sum of about {$27.00} in rewards for the inconvenience and hardship they put me thru, so both refund & compensation will come to a total of {$50.00} in rewards credit. 
This is more of a symbolic gesture from me, as the hardship & inconvenience they put me thru far exceeds the {$27.00} rewards credit I asked for. They chose not to do that, and at this time have not refunded anything 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 explanation
Consumer complaint received 2025-06-05 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-06-05 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: IL

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 2025-06-05 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-06-05 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: LA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00}

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZED THESE ACCOUNTS, AND THEREFORE REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILES. THESE TWO ACCOUNTS ARE XXXX XXXX XXXX XXXX ACCOUNT NO ENDING : XXXX  ) AND XXXX XXXX  ( ACCOUNT NO ENDING : XXXX ) ARE FRAUDULENTLY OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Subject : Formal Complaint XXXX XXXX Reporting Inaccurate and Conflicting Information in Violation of FCRA, TILA, ECOA, and GLBA To Whom It May Concern : I am submitting this complaint against XXXX XXXX regarding the reporting of a revolving credit account that currently shows inconsistent and inaccurate payment data across all three major credit reporting agencies ( XXXX XXXX XXXX TransUnion ). 

What Is Happening : The account is open with a balance of {$1400.00}, yet it is being reported as negative on all three bureaus due to alleged delinquencies. 

XXXX XXXX XXXX TransUnion each report a 60-day late payment, but with different dates of last payment and last activity : Last Payment Dates :XX/XX/XXXX ( XXXX ) , XX/XX/XXXX( TransUnion ), ( missing from XXXX ) Last Activity Dates : XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion ) The variation in dates, combined with the lack of uniformity in how delinquencies are reported, results in inaccurate and misleading information on my credit report. 

Despite maintaining consistent payments, the account is harming my credit score due to these inconsistencies. 

Laws Being Violated : FCRA Fair Credit Reporting Act ( XXXX U.S.C. XXXXs-2 & XXXXi ) : Consumer information must be accurate, consistent, and verifiable. 

Discrepancies across the XXXX bureaus violate my right to a fair and accurate credit report. 

TILA Truth in Lending Act : The inconsistencies distort the true payment history and credit behavior of the consumer, impacting transparency. 

ECOA Equal Credit Opportunity Act : Inaccurate negative reporting could lead to discriminatory lending decisions, including higher rates or unjust denials. 

GLBA Gramm-Leach-Bliley Act : The data handling and reporting practices demonstrate a lack of data integrity and compliance with consumer data protection.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Collections and charge-offs are being reported by companies such as XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX  with no signed agreements or contracts to verify the debts. 
These accounts are not supported by documentation under FCRA 609 ( a ) ( 1 ) and violate 623 due to incomplete, outdated, or unverifiable information.

Additionally, Experian is reporting multiple unauthorized hard inquiries ( including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without any evidence of my permission or a resulting credit relationship which violates FCRA 604 ( a ) ( 3 ). 
I submitted a formal dispute requesting removal under FCRA 611, but Experian has continued reporting these inaccurate items without proper reinvestigation. 

These violations have negatively affected my credit standing and ability to obtain financial opportunities. I am requesting that the CFPB investigate and compel Experian to remove all unverifiable, unauthorized, and inaccurate items from my report immediately.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent multiple disputes and letters to Transunion asking them to verify the account they refuse to remove. XXXX  and XXXX  has already. This started back in XXXX  and I've consistently asked for verification and receive no reply and any prove that they have investigated my claim.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has authorized fraud to occur on my account and allowed my money to be stolen from me. 

Wells Fargo did nothing to secure or protect my money from theft. I immediately reported fraudulent transactions to Wells Fargo and informed them of what occurred. 

Wells Fargo has told me " tough luck '' and " sorry, we can't help you '' when my money was stolen from my account under their care. 

Wells Fargo allows its small businesses to have their money stolen and does not protect its clients from theft and fraud. 

Wells Fargo allowed nearly 30 fraudulent transactions from a foreign country to occur on my account on XX/XX/XXXX and XXXX, XXXX. Wells Fargo authorized this fraud on my account and did nothing to prevent it. Wells Fargo allowed my money to be stolen out of my account and refuses to reimburse me. Wells Fargo does not support or help its small business clients and does not protect or secure their money from being stolen. 

Wells Fargo is negligent and supports theft from its clients. Wells Fargo has refused to reimburse my stolen money that occurred from fraudulent transactions I did not authorize. I have been screaming from the mountain tops for months that I did not authorize these transactions and Wells Fargo has decided to support thievery and theft of its clients funds.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: KS

Complaint narrative:
I am filing this complaint because my creditor is reporting late payments on account XXXX ( last XXXX ) this reporting is inaccurate and not properly verified I have disputed this matter, but the payments are still being reported without the proper validation and documentation Under 15 USC 1681S2A Furnitures must report accurate information under 15USC1681I predators must perform a reasonable investigation within 30 days neither of them have provided the proper documentation to support these inaccurate 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 2025-06-05 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00}

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