vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received XXXX XXXX transactions from XXXX XXXX for a painting job at his house that my son did. On XXXX XX/XX/XXXX I received several notifications from Wells Fargo XXXX my XXXX and XXXX  were cancelled which I didnt do. I called my bank immediately and they said that XXXX was saying these transactions were unauthorized. I explained that these were valid and he was the XXXX scamming me by requesting the money back. The bank told me basically there wasnt anything they could do. I called the claims department and they said the same thing. I had to close my account because on XX/XX/XXXX {$6.00} was drafted from my account for partial payment so f these transactions. I am the victim here and would like to report this as a XXXX scam.please XXXX XXXX the next steps to report this 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 2025-08-15 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-08-15 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: MS

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting ( Account # XXXX ) To Whom It May Concern : I am formally disputing the accuracy and completeness of the XXXX XXXX XXXX XXXX account XXXX Account # XXXX ) currently appearing on my Equifax credit XXXX. This dispute is made under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

The reporting contains multiple factual errors and violations : Re-Aging / Inaccurate Date of First Delinquency The account shows a last payment date of XX/XX/XXXX, yet Charge-Off notations continue monthly through XX/XX/XXXX. This artificially extends the negative reporting period in violation of XXXX ( a ) ( XXXX ). 

Ongoing Updates After Charge-Off Once an account is charged off, it should not continue to update as a new delinquency each month. The current reporting of XXXX for more than XXXX years post-charge-off is misleading and violates XXXX ( a ) ( XXXX ) ( A ). 

Inconsistent Balance Reporting The account status states {$24000.00} written off in XXXX, yet also reports {$24000.00} past due as of XX/XX/XXXX. If no new lawful charges are accruing, this is inaccurate and incomplete. 

Closed Account Reported as if Active The account is marked Closed yet continues to update monthly, creating a materially misleading representation prohibited under 1681e ( b ).

Required Action : Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), any unverifiable, incomplete, or inaccurate information must be deleted. 
Additionally, under XXXX ( a ) ( XXXX ) ( B ) ( iii ), I request a detailed description of the procedure used to determine the accuracy of this information, including : The name, address, and telephone number of each furnisher contacted ; The dates and substance of all communications ; Any documents provided by the furnisher to substantiate the reporting. 


If you can not provide documented proof that fully substantiates every aspect of the reporting including the Date of First Delinquency, balance, and status history this item must be immediately deleted from my file. 

Furthermore, pursuant to XXXX U.S.C.XXXX ( d ), I require that after deletion, a corrected copy of my credit report be sent to every recipient who has obtained my file in the last XXXX months. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I made my mortgage payment online with NewRez LLC. I am fully aware that payments can take a few days to process ; however, as of today, the funds remain in my bank account with no record of the payment ever being drafted or returned. Despite this, NewRez LLCs system shows a non-sufficient funds ( NSF ) fee and marks the payment as not made. 

This same issue occurred in XX/XX/year>, when I was also charged an NSF fee despite having sufficient funds in my account. These repeated errors are not due to my actions or banking availability they are clearly the result of NewRez LLCs internal payment processing failures. 

Impact : I have been charged unwarranted NSF and late fees for XXXX consecutive months. 
There is a risk of damage to my credit if NewRez LLC reports these as late payments. 
The ongoing errors have caused unnecessary stress, time loss, and concern over the security and accuracy of my mortgage account. 

What I want to happen : XXXX. XXXX reversal and refund of all NSF and late fees for XXXX and XX/XX/year>. 
XXXX. Written confirmation that my credit has not and will not be impacted by these errors. 
XXXX. A clear explanation of the cause of these repeated failures and a specific plan to prevent them from happening again. 
XXXX. Direct contact information for a senior-level representative who can ensure my account is handled properly moving forward. 

I have maintained sufficient funds and have made my payments on time. These errors are solely due to NewRez LLCs internal system failures and must be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$40.00} XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-15 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$40.00} XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-15 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:
This follow-up complaint serves as my formal request to dispute and seek the removal of certain hard inquiries from my credit report that I believe were made without my knowledge or authorization. Under FCRA XXXX ( a ) ( XXXX ) XXXX XXXX. XXXX, I have the right to obtain all information in my credit file, including the complete details and sources of any inquiries made. Upon reviewing my credit file, I have identified the following inquiries that I do not recognize and for which I never provided consent or initiated a credit application. I request that you provide the full identifying details of the parties responsible for these inquiries and remove them if you can not provide proper proof of permissible purpose. 
XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL LENDING SERVICE XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX FUNDING LLC XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CREDIT/TOYOTA OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XXXX FIN XX/XX/XXXX TCI/FIRST HELP FINANCI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX M XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/CITY XXXX XX/XX/XXXX GLOBAL LENDING SERVICE XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX FIRST HELP F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST HELP F XX/XX/XXXX XXXX XXXX MI XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX T XX/XX/XXXX XXXX XX/XX/XXXX AMERICAN EXP XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX OPORTUN INC/ XX/XX/XXXX PATHFWD/OPOR 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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
Complaint Summary : XXXX is closing my account and holding my funds ( {$29000.00} ) without providing specific payout details or a clear timeline, causing financial stress. 

Detailed Description : On XX/XX/year>, XXXX informed me that my account would be closed for unusual deposit activity and that my funds ( {$29000.00} ) would be returned via reversal to my original funding bank accounts. My deposits to the XXXX account are from legitimate, verifiable sources and I have complied with all requirements. 
Since XXXX decided to close my account, I have sent XXXX written requests to XXXX XXXX asking for : XXXX. Confirmation of payout destination ( bank name, last XXXX digits ). 
XXXX. The exact date payout will be initiated. 
XXXX. The payout method ( ACH, wire ). 
XXXX has refused to answer these questions, responding only with a vague timeframe : This takes an average of XXXX  days to resolve but could take up to XXXX  days depending on your bank. It has now been XXXX  days since XXXX decided to close my account and they have not initiated a funds transfer. I have contacted my bank and they confirmed that XXXX did not initiated any funds transfer back to my bank account. 
I believe XXXX is unreasonably delaying the return of my funds, and they refuse to communicate with specifics and transparency. This has caused me unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MO

Complaint narrative:
I am writing to formally dispute a late payment entry listed on my credit report. My payment records show that no such delay occurred, and this reporting error is causing unwarranted damage to my credit standing.

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 2025-08-15 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: SC

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 2025-08-15 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: SC

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-08-15 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: NV

Complaint narrative:
This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all XXXX elements and sign XXXX and take into account all documents and errors. 

XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation