vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX XXXX and XX/XX/year>, I was scammed out of XXXX dollars, all trough XXXX  app transfers,, a barrage of transactions, the bank wells fargo never flagged or did anything.. I was deceived into a investment scam, and when I realized it, I contacted wells fargo, advise them about the situation, and besides being told politely that is my loss because I'm XXXX, from day XXXX, I have been told it takes ten bussines days, but that does claims never get refunded, to consider it a loss. 
The person running the scam, still has a XXXX  XXXX XXXX active account, where my money and a lot more that belongs to other victims of this scam is still accumulating from XXXX XXXX, I advised wells fargo to contact XXXX  XXXX XXXX to freeze the funds, to recover my stolen money. At no avail. 
I'm going trough hardship, and the bank wells fargo everyti.e I call I feel mocked, lie to me everytime, I have been transfered to XXXX different departments in XXXX phone call, I feel like they're laughing about me, and like I said I was already told XXXX ti.es, tk wait ten days, but either way that account won't get XXXX, just because they couldn't even contact XXXX  XXXX XXXX to let the. Know.

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 2025-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Kohls stores has a credit card. I had a kohls card. Kohls made it difficult to change your address on the card. I changed it twice and it never actually changed. Each time in store i was told they could not change anything. I continued to try and login to the card and was unable to do so or reset my password. Unbeknownst to me, they changed to a capital one card. And sent everything even a knew card to the wrong address. In the mean time, i got XXXX late fees of {$120.00}. They refuse to help and will not send the info to thw correct address for XXXX business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 a 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 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 2025-06-28 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Re : XXXX XXXX XXXX | Opened : XX/XX/XXXX Reported as of : XX/XX/XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and completeness of the information being reported on my TransUnion credit report regarding the XXXX XXXX loan account opened on XX/XX/XXXX. 

Upon review, I have identified multiple inconsistencies and reporting errors that warrant immediate reinvestigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ) : 1. Invalid Payment Record The report claims I made only 1 % of payments on time, while only 1/1/1 late payments ( 30/60/90 days ) are reported across an 80-month term. This figure is mathematically inaccurate and misleading. 
2. No Monthly Payment Information The entry lists " Monthly payment : No Info '', which is a critical omission. Credit files must be complete and accurate, especially regarding original payment obligations for installment accounts. 
3. Outdated Account Activity The last reported payment was made on XX/XX/XXXX, and yet the account still shows an outstanding balance of {$16000.00} as of XX/XX/XXXX. If the account was charged off or sold, this must be properly updated to reflect the current status and ownership. 
4. Missing Closure Date The account has been marked as " Derogatory '' and charged off, but there is no reported closure date. This omission may impact credit age and payment history calculations.

5. Profit and Loss Write-Off with Active Balance The remarks indicate a Profit and Loss write-off, yet a substantial balance remains reported under XXXX. If the account has been written off or sold, the reporting entity must clearly reflect that change. 

Request for Investigation and Resolution Pursuant to Section 611 of the Fair Credit Reporting Act, I am requesting that TransUnion : - Conduct a thorough investigation to verify the accuracy and completeness of this account. 
- Remove or correct any unverifiable, outdated, or inaccurate information. 
- Provide the method of verification used and the results of the investigation. 
I have enclosed a copy of my government-issued ID and proof of address for identity verification. 
Please respond to this request within the 30-day time frame as required by law, and send me an updated copy of my credit report upon completion of your 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 non-monetary relief
Consumer complaint received 2025-06-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-29 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 contacted XXXX XXXX  and XXXX XXXX directly to remove the late payment information from my credit report. They acknowledged that there was and error but I was not removed. I did a dispute with the credit bureau 's Experien, XXXX XXXX XXXX. The late payment were removed and shortly after the late payments appeared again. 
I have several XXXX accounts and good credit, and my credit history is clean and im in good standing with all creditors. I need help with this matter. It has caused me financial limitations since all of this started with how information was reported. 
Thanks for your attention to this matter

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXXXXXX, MI XXXX Re : Request for Debt Validation Account Number : XXXX Dear Midland Credit Management, I am contacting you regarding the above-referenced account, which you have reported to the credit bureaus as follows : Account Name : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Account Type : Debt Buyer Original Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$1600.00} ( as of XX/XX/XXXX ) Status : Collection account, {$1600.00} past due Expected to remain on record until : XX/XX/XXXX Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide full validation of this alleged debt. Specifically, please provide : 1. Documentation from XXXX XXXX  ( the original creditor ) showing the debt is valid, including the original signed agreement or contract that bears my signature. 
2. An itemized accounting explaining how the balance of {$1600.00} was calculated.

3. The chain of custody or assignment, showing how Midland Credit Management acquired ownership of or the right to collect this debt.

4. Proof that Midland Credit Management is licensed to collect debts in my state, including your state license number.

Until these documents are provided, and in accordance with 15 U.S.C. 1692g ( b ), you must cease all collection activity, including reporting this debt to the credit reporting agencies. 

If you can not provide this validation within 30 days, I expect this account to be removed from my credit file with all bureaus ( XXXX, XXXX, and XXXX  ) and that you cease all further collection attempts. 

Please be aware that continued reporting or attempts to collect without validation violates the FDCPA and Fair Credit Reporting Act ( FCRA ), and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, on XX/XX/year>, a scammer hacked into my Macy 's online account and purchased a {$10.00} fragrance sampler and a {$150.00} cologne, which were both sent to an address in Florida. Citibank credited me the {$10.00} but denied the {$150.00} charge, even though both of those purchases were made at the same time and sent to the same address in Florida. I have called four times only to get the run around. The original customer service representative ( I believe due to XXXX not being the representative 's first language ) incorrectly treated this transaction as goods that I ordered but never received although I clearly and repeatedly told her that this was a fraudulent transaction. Let me be clear : I, nor did anyone I authorized to use my account, ordered this merchandise. This is clearly fraud but I have not been able to get a favorable resolution and the customer representatives have been no help and have instead issued me two new credit cards although there is no ongoing fraud on my account after the fraudulent transaction on XX/XX/XXXX. The {$10.00} charge posted on XX/XX/XXXX and the {$150.00} charge posted on XX/XX/XXXX. I have never in my life had this much trouble in getting a fraudulent charge reversed. Any assistance you can provided would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I have been a victim of identity theft since 2007. As a direct result of identity theft, fraudulent financial transactions have occurred in my name without my knowledge, consent, or authorization. Specifically, vehicles have been financed through various companies using my stolen personal information. These fraudulent loans and associated accounts were opened solely due to criminal theft of my identity. I have never financed or leased a car through these companies XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I have been a victim of identity theft since 2007. As a direct result of identity theft, fraudulent financial transactions have occurred in my name without my knowledge, consent, or authorization. Specifically, vehicles have been financed through various companies using my stolen personal information. These fraudulent loans and associated accounts were opened solely due to criminal theft of my identity. I have never financed or leased a car through these companies XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these fraudulent accounts and inquiries from my credit 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 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: MI

Complaint narrative:
When Selene Finance began servicing my mortgage in XX/XX/year>, they failed to recognize my propertys approved Principal Residence Exemption ( PRE ), despite public documentation and prior refunds from XXXX XXXX confirming homestead status. Instead, Selene projected annual property taxes at over $ XXXX than XXXX times the actual tax amountbased on an outdated non-homestead rate. This incorrect assumption led to a manufactured escrow shortage of {$19000.00}. 

I submitted verified documentation multiple times, yet Selene continued to base escrow projections on inflated values without auditing prior tax disbursements. These actions have resulted in an unaffordable mortgage increase, false credit reporting, and financial hardship. I am requesting a full audit of Selenes escrow calculations, correction of the shortage balance, and proper application of the homestead rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage is difficult to reach to resolve their issue. They gave us no notification of an escrow shortage and now they do not pay our mortgage but instead place our payments in a suspense account and continue to charge ridiculous late fees. Apparently this has been going on for several months and we never received any notice. Now we are behind like $ XXXX and will continue to be charged late fees until we can pay up. We have been sending our regular amount every month as we have done for several years or since the last time they escrow was raised on us. QUESTION? Why are they allowed to put our money into a suspense account. THEY SHOULD BE REQUIRED TO POST THAT MONEY AGAINST OUT ACCOUNT. THIS SHOULD BE A CRIMINAL PRACTICE!

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed by someone impersonating an auto parts business on XXXX called XXXX XXXX XXXX. They advertised XXXX XXXX XXXX parts and had a public page that appeared legitimate, with photos and over XXXX followers. 

I commented on a post for a part I wanted and they messaged messaged me about purchasing a XXXX XXXX XXXX, and they instructed me to send {$40.00} via Zelle to XXXX XXXX at ( XXXX ) XXXX. After I sent the payment from my XXXX XXXX account, XXXX XXXX prompted me to Confirm payment to verify my transaction. This confirmation gave the appearance of a legitimate transaction. 

I shared the payment receipt, and the page responded with Perfect. But after that, they ignored my messages and never sent the part. I now believe this was a scam operation, and the page has likely defrauded others as well. 

I reported this to XXXX but was told they could not reverse the payment because it was authorized. However, this was fraud by misrepresentation I was tricked into authorizing the Zelle transfer under false pretenses. I believed I was dealing with a legitimate business due to the public page, payment confirmation prompt, and their professional tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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 a 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 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

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 a 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed my Chase Sapphire card in XX/XX/year> in person at a Chase branch, and was told it was fully shut down. However, Chase failed to close the account and later charged me for a XXXX subscription thats not mine, a {$90.00} annual fee, and additional interest and late fees all without ever notifying me. 

I also closed my corporate accounts after XXXX XXXX  of a good history. Ive been a good customer for decades. 

I was only made aware once it was sent to collections and falsely reported as XXXX XXXX delinquent, which destroyed my credit. 

I attempted to resolve this directly with Chase via certified letter and email to their executive office. No response. I am submitting my evidence to CFPB and requesting that Chase immediately remove the derogatory reporting from all credit bureaus. 

I am willing to pay the balance once my credit is restored and Chase acknowledges their error.

Company response to consumer: Closed with explanation