vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX, I opened a secured credit card with wells fargo for {$1000.00}. I made all my payments on time when using the card. In XXXX, due to identity theft I was forced to file bankruptcy. I did not list wells fargo in the bankruptcy as it was my account and current with no issues. However, several months later while in a store attempting to use my card, I was told the account was closed. Besides the embarassment and frustration I called Wells fargo asking why it had been closed, they said that it was an automatic response to filing for bankruptcy although I did not include them in the filing. I was frustrated, but had no recourse. They mailed me back the balance of roughly {$800.00} as {$200.00} was on the account and closed out my account. Several months later when attempting to address my credit history, I was denied for credit due to this issue with a charge off from wells fargo. Upon looking into my credit report again, I found that wells fargo was listing my closed secured account as a charge off and referencing late payments. This is incorrect, as my account was in good standing that they closed for internal reasons. However whenever I attempted to contact wells fargo through branch managers on site, on the phone and corporate, No-one was able to do anything other then quote it was " company policy '' meanwhile my credit has been damaged and unable to acquire financing without severe penalties due to something that never even occurred and is incorrect. This is affecting my business and personal life significantly.

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 2025-07-25 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-25 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$47000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-25 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-25 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 previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

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 2025-07-25 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: AL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX # XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Dispute and Cease Reporting Repeated, Unverified Collection Accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is a formal dispute and cease and desist demand about repeated and unlawful credit reporting of the following collection accounts currently listed on my TransUnion report : XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Opened XX/XX/XXXX These accounts have been previously disputed and continue to be reported without proper verification, in violation of federal law. I demand immediate removal of these entries due to : FCRA Violations by TransUnion and Furnishers : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item is not verified within 30 days, you must remove it. Continuing to report these accounts without conclusive validation is unlawful.

FCRA 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a reasonable investigation when notified of a dispute and remove any unverifiable data. Repeated reporting of these unverified accounts violates this law.

FCRA 15 U.S.C. 1681e ( b ) TransUnion handles keeping maximum accuracy. Allowing debt buyers with known compliance failures to continue reporting unsubstantiated data violates your duty of care.

CFPB Consent Orders : XXXX XXXX XXXX XXXX was found liable for repeated violations of federal consumer law, including inaccurate debt collection and credit reporting practices ( CFPB Consent Order No. XXXX ). 

XXXX XXXX XXXX and its affiliates have also been sanctioned for failing to properly confirm debts and for improperly reporting them to credit bureaus.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: WA

Complaint narrative:
On XXXX I opened a checking account at Netspend ( netspend.com ) under a promotion which promised a {$200.00} bonus after a $ XXXX direct deposit within 60 days. The terms also stated the bonus would be credited within 5 business days. I received a {$400.00} direct deposit from my employer ( The XXXX XXXX XXXX. ) on XX/XX/XXXX. On XX/XX/XXXX ( 5 business days ) after I received the direct deposit, I reached out to Netspend inquiring about my bonus. The customer service agents just reiterated the promotion terms, without explaining why my bonus had not been credited or when it would get credited. 

Please find the following documents attached : - Screenshot of the promotion - Messages between Netspend customer service agents and me ( there has not been a reply after message 5 )

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I would like to report Frost on how they notify customers on overdraft fees. Frost bank does not notify the banker electronically in any way regarding overdraft fees instead they send letters, and they do not realize that bankers could be in the hospital or in another country and may not have access to paper mail. I have called them numerous times and advised them of my situation. On two occasions Ive been overdrawn with Frost while the money has been sitting in my savings account. They claim that I never signed up for transfers from my saving to cover the personal expenses. I was transferred 4 different times a rep by the name of XXXX, and another rep that claimed she was a manager by the name of XXXX and XXXX from the XXXX. I requested to speak to another manager, and I was transferred to the rep that initially opened my account. They all state different things, with the same outcome. I was advised I could extract my transactions from the account, but this is what I get when I attempt to do so. I have attached my savings account transactions ; there are months where I did not get the interest. Ive had many issues with Frost within one year that I have been with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have no idea what kind of debt this is. I tried to refinance my car and was told I could not due to debt with XXXX XXXX. I was given this number to call and talk with someone about this problem. So I can get it cleared.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: TX

Complaint narrative:
I have received 2 notices from a company named Mediation Recovery Center stating that I have a debt from XXXX XXXX XXXX for {$1100.00} but I could pay a discounted amount of {$380.00} to pay off the debt. I sent an email requesting information about this debt because I have not requested a loan with XXXX XXXX XXXX. I decided to also call. The number did not ring and someone immediately picked up. I explained the information above and he stated is this XXXX XXXX and then wanted to verify that the last 4 digits of my social were ... and proceeded to tell me the last 4 of my social. I told him I didn't even feel comfortable confirming that and he stated well that is what it says here so. He then proceeds to tell me I opened a loan with XXXX XXXX XXXX  only XX/XX/XXXX and my employer is listed as XXXX XXXX. That is my current employer that I started with in XXXX and was a red flag for me because our company had a major cyber attack where all of our patient employer information was compromised in XX/XX/XXXX. I told him that was not my employer in XXXX. He stated well that is what it says here. He also asked if I had access to an email address XXXX. I said yes that was a previous email I had prior. I then stated again I am requesting information from your company on the original debt so I can confirm this was not identity theft etc. He said that is not how this work and we do not have to provide you anything. He told me to get into the email he provided above and look for the documentation. I told him legally I do not think that is how that works. He then proceeded to yell at me and tell me that they do not have to provide anything. I truly believe this company is a scam and that they obtained my information from a hack of either my employer or another company that has my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-07-25 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: OH

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the maximum possible accuracy required by law. These ongoing errors are taking a heavy toll on my well-being and continue to impact my life in deeply negative ways. These are difficult times, and correcting or removing these inaccuracies would be an immense help and a much-needed relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Ive called several times, inquiring about my line of 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 explanation