vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I have no idea where this came from. I never even had att before in my life. This collection company never even contacted me or anything. At this point I feel like my privacy is being taken advantage of because collection agencies think they are the XXXX  and can do whatever they want without consequences. This is a threat in so many ways and I dont feel comfortable

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 2025-08-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Request for Review and Settlement in Light of CFPB Action Against Wells Fargo To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) review my case involving Wells Fargo Bank, N.A., in light of the XX/XX/year> consent order issued by your agency. My experience appears to fall directly within the scope of the CFPBs findings regarding Wells Fargos unlawful mortgage servicing practices. 
As documented in the CFPBs action, Wells Fargo engaged in unfair and abusive conduct by improperly denying mortgage loan modifications and miscalculating fees and other charges. These actions resulted in wrongful foreclosures and significant harm to borrowers, including loss of homes. My case involved a similar denial of a mortgage loan modification by Wells Fargo under circumstances that I believe were unjust and, based on the findings of your investigation, may have violated the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices ( UDAAPs ). 
According to reports, including coverage by XXXX XXXX XXXX XXXXXXXX, the CFPB required Wells Fargo to pay {$3.00} XXXX in penalties and restitution due to misconduct across mortgage servicing, auto lending, and deposit accounts. Thousands of borrowers were affected by wrongful mortgage decisions, some of whom, like myself, suffered foreclosure and long-term financial and emotional harm. 
I respectfully urge the CFPB to re-examine my case under the consent orders framework and to consider my eligibility for redress. I believe a settlement is warranted, given that my experience mirrors the patterns of misconduct identified in your findings. 
I have included relevant documentation regarding my mortgage history with Wells Fargo and details of the denied loan modification for your reference. Please let me know if additional information is required to facilitate a review of my case. 
Thank you for your time and for your continued efforts to hold financial institutions accountable.

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 2025-08-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} INQUIRIES : XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: PA

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Accounts To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX Email : XXXX Phone : XXXX Subject : Unrecognized Accounts Reported by XXXX and XXXX ( Third-Party Collections ) I am filing a formal complaint regarding unauthorized and inaccurate accounts being reported to my credit file. These accounts are being reported by collection agencies on behalf of XXXX and XXXX, but I do not recognize these accounts and I believe they XXXX have been opened without my knowledge or consent. 

I have disputed these accounts several times with the credit bureaus, but they continue to reappear without any proper documentation or validation under the Fair Credit Reporting Act ( FCRA ).

The following collection agencies are currently reporting these unknown accounts : Credit Collection Services Jefferson Capital Systems XXXX XXXX XXXX I am requesting the following actions : A full investigation into these accounts Immediate deletion of any account that can not be verified with signed documentation A cease in reporting of any unverifiable or inaccurate account activity These accounts are not mine, and they are negatively affecting my credit, my ability to obtain secure housing, refinance my auto loan, and provide for my family. This has caused undue hardship, and I request immediate removal under the FCRA and applicable consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

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
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Equifax : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Equifax is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ). 

I am also placing Exquifax on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX  ) and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed a negative mark on my credit report .. which is causing severe XXXX and found it unverifiable. In accordance with fair credit reporting act everything has to be 100 % accurate on my credit report and under 15. U.S code 1681e ( b ) and U.S code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Tomo Networks, Inc.
State: FL

Complaint narrative:
XXXX XXXX  had informed me on XX/XX/XXXX that the full {$10000.00} in seller concessions, which was part of the negotiation and included in the XXXX XXXX, could not be all applied to closing costs. The source behind the reasoning was never shared with us. To use the full {$10000.00} we agreed to in the purchase, our XXXX XXXX XXXX XXXX stated the amount that could not be applied to closing costs could be used to refund the appraisal and buy down the rate ( at a cost of {$870.00} ). While we did receive a refund for the appraisal, the XXXX company told us we were paying for the cost to buy down the rate the day of closing, on XX/XX/XXXX. In the Closing Disclosure and Settlement Statement, the rate purchase cost ( {$870.00} ) appears as a buyers expense. I requested that XXXX provide documentation showing where this charge was credited back to us, but they are no longer responsive. With this complaint, I am seeking to either receive documentation from XXXX showing where we were credited back the rate purchase cost ( {$870.00} ) or be reimbursed that amount if we were charged this, due to XXXX incorrectly labeling this as a buyers expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: AR

Complaint narrative:
Netspend has currently lock there mobile app. If your card was locked previous to before this happen XX/XX/year>. XX/XX/year> you card was no longer useable. I am out if town with my kids and no funds to access through what I use as my main banking. I called netspend XXXX on yesterday asking what is going on and they would only say IT is working on it. So I asked if they could unlock the card and they could not. And wouldnt give any specifics.

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 2025-08-03 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 am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MI

Complaint narrative:
Cant access the online website or the app to unlock card to use funds they arent able to unlock cards or they dont have an ETA on when this issue will be fixed its been 48hrs already with no access to funds and payments are being declined

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 2025-08-03 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I am submitting this complaint to formally dispute and challenge an alleged medical debt being pursued by XXXX  on behalf of XXXX XXXX XXXX. The collector claims I owe {$2300.00}, reduced from a balance of {$15000.00} across multiple dates of service. According to the letter I received ( Reference # XXXX ), over {$13000.00} in payments or credits have already been applied, buoe resolved, adjusted, or paid through insurance. 

XXXX has provided a spreadsheet-style statement, but no medical bills, no itemized charges, no evidence of contractual responsibility, and no documentation showing a legal assignment of the debt. I have requested proper validation and itemization in writing, per the FDCPA. 

I believe this collection effort may be unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), specifically due to : Failure to validate the debt with original documents Failure to show I am legally responsible for the full amount Lack of transparency about who made the {$13000.00} in payments Potential misrepresentation of the debts status Threatening collection action without full verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation