vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX totaling {$3300.00}, with an expected delivery by XX/XX/year>. It is now more than a month and a half later, and I still have not received my items. 

I contacted XXXX multiple times, but they have refused to issue a full refund. Instead, they offered only small credits ( such as {$3.00}, {$5.00}, or a {$20.00} coupon ) that do not resolve the issue. XXXX told me to file a dispute with my bank. 

I filed a dispute with Wells Fargo, but they denied the claim and refused to provide a written or verbal explanation. I spoke with XXXX a manager at Wells Fargo and she was unwilling to help me or provide details just kept telling me to go to XXXX. She told me they do not have the authority or rights to process the dispute and directed me back to XXXX. They werent with me at the time of transaction and therefore this is between me and XXXX. This has left me without my money and without my merchandise, with neither company taking responsibility. 

It has now been over XXXX weeks since my purchase, I do not have my items, and I do not have my money back. 

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Wells Fargo was required to investigate in good faith and provide me with a written explanation for the denial. They did not. XXXX failed to deliver my order or issue a refund. 

Requested Resolution : A full refund of {$3300.00} for merchandise that was never delivered. 
Require Wells Fargo to comply with Regulation E by properly investigating my claim and providing a written explanation for any denial. 
Ensure both XXXX and Wells Fargo comply with consumer protection laws so that this does not happen to other consumers.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe may include incorrect details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit file. I am requesting a review of these accounts, and if they can not be verified for accuracy, I request their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-10-01 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: VA

Complaint narrative:
XXXX credit card for like {$2000.00} and something XXXX XXXX for like {$500.00} XXXX  {$400.00} I have mailed in my police report to these companies like over XXXX times and they keep saying that these accounts belong to me but can never provide me with proof. I also mailed in letters stated that Im a victim of identity theft.

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 2025-10-01 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: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-01 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Name : RoundPoint Mortgage Servicing LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Complaint : Request for removal of Private Mortgage Insurance ( PMI ) Dispute regarding inaccurate payment history reporting Dispute regarding loan-to-value calculation and property valuation Summary of Complaint : In XXXX, XXXX, I requested the removal of PMI from my mortgage insurance. The balance of my mortgage is less than {$90000.00}. The approximate value of my residence is {$190000.00}. I received a letter dated XX/XX/XXXX, denying my request for the removal of Private Mortgage Insurance ( PMI ) on my mortgage loan. On XX/XX/XXXX, I contacted Roundpoint customer service department at XXXX p.m. by phone, and requested the removal of PMI. I also requested a complete payment history, which I was told would be mailed to me. RoundPoint denied my request, citing : Loan-to-value ratio not meeting agency/investor eligibility criteria. 
Alleged late mortgage payments, stating one or more payments were XXXX days past due within 24 months or XXXX days past due within 12 months. 
I submitted a written request to RoundPoint on XX/XX/XXXX, for the removal of Private Mortgage Insurance ( PMI ) on my mortgage. The balance of my mortgage is less than {$90000.00}. The approximate value of my residence is {$190000.00}. 
This request was emailed to XXXXndPoint as well as mailed the same day. I dispute these findings : All payments have been made on time through my XXXX XXXX trustee, in compliance with court orders since XX/XX/XXXX. 
The loan-to-value calculation was based on an automated valuation model, not a licensed appraisal, and does not accurately reflect current market value. 
Actions Requested : For RoundPoint to provide a complete and accurate payment history for my loan covering at least the past 60 months. 
Correct any inaccurate reporting regarding late payments. 
Allow me to select a licensed local broker from a list provided by RoundPoint to perform a Broker Price Opinion ( BPO ) for accurate property valuation.

For RoundPoint to reconsider and approve the removal of PMI once the verified payment history and accurate property valuation are documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Auto Loan Defective XXXX XXXX XXXX To Whom It May Concern, I am submitting a complaint regarding my auto loan with CarMax Auto Finance for a XXXX XXXX XXXX ( XXXX : XXXX ). 

I purchased the vehicle used in XX/XX/XXXX. In less than a year, at just XXXX miles, the engine failed completely. Despite proper maintenance and the extremely low mileage, XXXX denied warranty coverage because the vehicle was slightly past the 4-year time limit. 

As a result, I was left with a nonfunctional car that I could not reasonably repair or use, yet I remain obligated to pay on the loan balance. This has caused significant financial hardship. 

I believe this situation is unfair : The car was defective when sold, as an engine should not fail at such low mileage. 
I am being forced to pay for a vehicle that is unusable through no fault of my own. 

Requested Resolution : XXXX. That CarMax Auto Finance consider waiving or reducing the deficiency balance on the loan, XXXX XXXX. That CarMax Auto Finance provide assistance or settlement options recognizing the unusual circumstances of premature engine failure. 

I respectfully request that this complaint be reviewed and that relief be granted so that I am not financially punished for a manufacturers defect outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-10-01 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
My Accounts were closed while my money was still on there and I was told that it was nothing they can do about that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 2025-10-01 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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a car loan do XXXX XXXX sales and when they they went out of business they gave the contract over to Westlake financial which I did not sign a contract with Westlake financial I've asked them to take that off my credit report it needs to be taken off the credit report immediately what they did was very illegal there's a lawsuit as we all know they were supposed to pay I never received anything I want the hard inquiries off my credit report I want any inquiry that they have to deal with XXXX XXXX XXXX Westlake financial off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates recently responded to my prior complaint but still failed to produce any account-level documentation that legally ties this debt to PRA. The only document provided was a generic XXXX notice of sale and a few summary pages. Those documents do not include a bill of sale, purchase agreement, chain of title, signed contract, or an itemized payment history that specifically lists my account and proves PRAs legal right to collect or to furnish this tradeline. What PRA sent is insufficient to validate the debt under FDCPA section 809 and does not meet the verification standards required by FCRA.

PRA also claims it marked the account disputed, but my Experian file does not consistently show a dispute remark and PRA has not supplied evidence that it updated all consumer reporting agencies as required. PRA previously deleted another account after my dispute for the same types of inconsistencies. That deletion proves PRAs records are unreliable and confirms the remaining tradeline is likely inaccurate.

PRA has had multiple opportunities to substantiate this account and has failed. Their repeated boilerplate responses and generic paperwork show no meaningful investigation, and their continued reporting of this unverifiable account harms my credit and is false or misleading. I request immediate deletion of the PRA tradeline ending in XXXX from all consumer reporting agencies. If PRA refuses, I demand that PRA suppress reporting of this account until it produces a bill of sale, a complete chain of title that specifically lists my account, a signed credit agreement or application, and an itemized payment history showing how the alleged balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Take immediate action under XXXX U.S. Code XXXX to remove disputed entries.

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