vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/year> a credit line transfer request in the amount of {$45000.00} was done over the phone with Wells Fargo by a fraudulent person through my account. There is an open investigation with my account and multiple things that occurred after this money was transferred into my personal checking account. Multiple attempts have been made by filing fraud claims through Wells Fargo, consulting with my local branch, and filing with the superior offices of Wells Fargo. There has been no communication from the fraud department at Wells Fargo. The only information I get is by going into the local branch. All they say is the claim has been closed due to no findings. One simple question is all that I have asked of them and that is to provide the phone recording of the transfer or documentation. No one can give me that information stating that too much time has passed. Seven months had passed by the time I realized this issue and made the first fraud claim. We are now at almost 18 months. I began paying the payments every month, and was told by the fraud department that that was admittance to it not being fraudulent activity.

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 2025-04-21 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Was trying to make payments on the app and it kept telling me that it was unsuccessful. Capital One then to proceed to close my account out with any notice at all. Giving me no credit and bad credit on my report to where I can not get a credit card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays froze my credit card accounts and requested identity verification documents. I submitted the requested documents multiple times. Instead of resolving the issue, they delayed the process, then retaliated shortly after I filed a CFPB complaint by lowering my credit limits. 

Their response letter ( attached ) confirms they were aware of the situation. However, rather than processing my documents or addressing the dispute, they took adverse action that harmed my credit utilization and score. 

This appears to be retaliation for exercising my consumer rights, which may violate : FCRA Section 604 ( b ) Failure to properly investigate and respond to consumer-filed disputes FCRA Section 611 Failure to conduct a reasonable investigation ECOA ( Regulation B ) Potential retaliation for filing a lawful complaint Their behavior is unfair, harmful, and unacceptable.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Disputes did not protect me with charges on both of my credit cards, starting with a breach of material contract dispute case with XXXX XXXX ( {$1200.00} XX/XX/XXXX Dispute Number : XXXX ), nor in a merchandise not received claim with XXXX  ( Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX ), nor in merchandise returned but not credited back to credit card with XXXX ( Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX * XXXX Amount of Transaction : XXXX ), nor in product not as described with a computer from XXXX XXXX ( Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : {$2300.00} ), and more. 

Speaking with their customer service team and even their executive office has been a joke. It feels like Im talking to XXXX XXXX robots ( with all due respect, I dont mean this in a XXXX way ).

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 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I received a notice from Mohela on XX/XX/year> that my student loans were being placed into forbearance and that my interest rate would be set to 0 %. This was due to me being on the SAVE plan. It was also stated that my loans were in forbearance " since 60 days have passed since the loan provider received my IDR application, and it has not be processed. '' I made a payment on XX/XX/year> in the amount of {$300.00} to my student loans. After that payment, my account was at a remaining balance of {$38000.00}. Several weeks later, I logged into my account to see that my overall balance increased almost {$600.00}. After further investigation, 5 out of the 7 loans associated with my account were accruing daily interest! My account was put into forbearance not by my choice. The loan provider did this automatically without consenting me. 

I would notice as I checked my student loan account that the 7 loans I had and their amount due, would change almost weekly, but the {$38000.00} would stay the same, which bothered me and I felt that something was wrong, but since the total amount owed did not increase, I was okay. 

Every since I noticed the {$600.00} increase to my account, I monitor and track my student loan amount increasing daily. This is extremely frustrating when interest should not be applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-21 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: OR

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$51000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
Its against the law to have child support on my credit report since 2003 15 U.S.C. 1681 et seq

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 2025-04-21 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: WI

Complaint narrative:
Its against the law to have child support on my credit report since 2003 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  XXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$470.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$17.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX {$4100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX  Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$910.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$440.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, provided Total Credit proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank manager confirming same. Letter and supporting documents were sent certified mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am filing this complaint regarding inaccurate item ( s ) on my credit report that continues to negatively impact my credit. Despite my efforts to resolve directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these item ( s ), as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-21 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:
carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AG AH LLC
State: NY

Complaint narrative:
I applied for a dscr loan refinance cash out loan with XXXX XXXX About XXXX weeks ago, loan got approved, and underwriter ask for for my home property insurance revisions, I went to my insurance broker many times for many revision requests because this underwriter ask for lots of revisions. my insurance broker provided me the latest one, and XXXX XXXX still did not take it because XXXX XXXX thinks insurance is not good. XXXX XXXX called my insurance broker company and asked for lots of questions, but the person who answered the phone call is not the person who is helping me with the insurance revision so this person only confirmed XXXX dwelling amount because this is my existing dwelling amount coverage. the person who helped my with insurance revision is XXXX and she increased the dwelling amount to {$760000.00} due to XXXX XXXX request and XXXX confirmed in the email that because we do not have closing date scheduled insurance company is not notified yet for the dwelling amount changed, this is why XXXX issued the insurance binder and not the policy because we do not have closing date yet In other word, XXXX was helping me to meet XXXX XXXX XXXX request on the binder and in the mean time she will notifies insurance company after we have closing date, because we do not even know if XXXX XXXX will ever close this loan. XXXX XXXX simply just denied my loan, I have tried to communicate with them and they said they understand insurance company is different from insurance broker but they still do not want this loan. I asked my attorney and if this is the right decision arc home made, I was told XXXX XXXX canceled a lot of loans even for purchase transactions and their reason is insurance policy verification and all these loans are all XXXX, XXXX home discriminates against XXXX borrowers, this needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief