vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
The home in question was owned by my father, XXXX XXXX XXXX, deceased. PHH was reverse mortgage holder. Probate was filed and PHH has failed to submit any claim in probate. The broke into the home and ripped the hardware off the front door and padlocked the home. They have charged questionable fees and some apparently fraudulent fees in the payoff amount. ( There is a letter attached. ) The will not respond to my attorney and so far have not responded to a XXXX letter from me regarding these issues which total {$6400.00} to our best ability. 

They refuse to deal with this issue in probate court, refuse to talk to my attorney and do not respond to me as an executrix. 

As an example the " winterized '' the home in XXXX and left a valve off the HVAC causing {$460.00} in repairs. When they broke in the front door they padlocked it leaving a gap of XXXX or XXXX inches so that the door no longer closed. Additionally they sent some one to clean gutters and the house has no gutters. ( Pictures attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX Date : XX/XX/year> To : Wells Fargo Disputes Department Subject : Second Dispute Duplicate Unauthorized Charges from Same Merchant After Prior Report Dear Wells Fargo Disputes Department, I am formally disputing three additional unauthorized duplicate charges made to my Wells Fargo account by the same merchant I previously reported to you. These new charges occurred after my initial dispute, for which Wells Fargo issued a provisional credit, indicating acknowledgment of error. 



Details of All Disputed Charges : Merchant : [ Merchant Name ] Original Unauthorized Charges : 3 duplicate charges of {$160.00} each ( previously disputed ) on XX/XX/year> Action Taken by Wells Fargo : Provisional credit issued for one set of duplicate charges on XX/XX/year> New Unauthorized Charges : 2 additional charges of {$160.00} each Total Amount in Dispute Now : {$800.00} Why This Escalates Wells Fargos Responsibility Under 12 CFR 1005.6 and 1005.11 ( Regulation E ), once a bank is notified of unauthorized activity, it is required to prevent further debits from the same merchant. By allowing the same merchant to continue withdrawing funds from my account after prior notice, Wells Fargo has increased its liability for these transactions.

I authorized only one payment of {$160.00} to this merchant. All additional transactions are duplicates, made in error, and are unauthorized. I have attached : 1. Bank statements showing both the original and new duplicate charges. 
2. Proof that I called Wells Fargo on XX/XX/year> to resolve the issue Also Wells Fargo refused to give me provisional credit for the additional unauthorized ( 2 ) charges that occurred on XX/XX/year>. 2 of the provisional creditsof XXXX are pending so I never actually got them. Only one went through as you can see in my attached documents below. Wells Fargos lack of customer service has continued to disappoint me and unfortunately I will be looking for banking elsewhere. 




Action Requested 1. Immediate investigation of these new charges as required by Regulation E. 
2. Issuance of provisional credit for the new disputed amount if the investigation will take more than 10 business days.

3. Permanent blocking of this merchant from making any future withdrawals from my account.

4. Written confirmation that my account has been secured against further unauthorized transactions from this source. 



If this matter is not resolved promptly, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau and the Office of tXXXX Comptroller of the Currency, attaching this letter and all evidence. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-08-09 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:
Under FCRA 605B ( a ), the consumer reporting agency is legally required to block the reporting of this information within 4 business days of receiving all required documentation.

Instead of blocking the information, the bureau has : Placed my request into the regular 30-day dispute process, or Delayed taking any action despite having all required documentation, or Failed to remove the fraudulent items within the 4-day statutory period This delay is a clear violation of federal law. The FCRA does not allow a 30-day investigation period for identity theft blocking when a valid Identity Theft Report and supporting documents are provided. 
Exifax and Transuion are in direct violation providing proof that each one has been issued FTC report and continue to denie the 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 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
CFPB Complaint # XXXX TransUnion is violating the FCRA by delaying my dispute investigation to 60 days without legal basis. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they must complete within 30 days ( or 45 only if I provide new information I have not ). 

Disputed items : 1. 2 Dismissed XXXX Bankruptcies US Bankruptcy Court XXXX XXXX XXXX XXXX  File Nos. XXXX & XXXX. Reporting is misleading since no debts were discharged. Violates 1681e ( b ) and 1681i ( a ). Delete unless verified directly with court clerk by name + original docs. 
XXXX. XXXX  XXXX XXXX XXXX # XXXX Filed XX/XX/year>, removal date XX/XX/year> ( now past ). Violates 1681c ( a ) ( 4 ) outdated negative info. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Listed as Included in Bankruptcy despite bankruptcies being dismissed. Violates 1681e ( b ) and 1681i ( a ) ( 5 ) inaccurate, misleading, unverifiable. 

Requested action : CFPB require TransUnion to meet legal deadlines, permanently delete these items, and confirm in writing. Continued reporting is willful/noncompliant under 1681n and negligent under 1681o.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$80.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00}, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$80.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00}, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute Illegal Re-Aging of XXXX Student Loan Account I am formally disputing the reporting of an alleged student loan account that has appeared on my credit file in XXXX. The account is being reported as current or recently delinquent, but the alleged debt dates back to XXXX more than four decades ago. 

I have not made any payment, signed any new agreement, or had any activity on this account since XXXX. As such, the date of first delinquency is fixed in that year and can not legally be updated to reflect a more recent date without my written acknowledgment or payment neither of which has occurred. 

This recent appearance constitutes illegal re-aging of the account in violation of the Fair Credit Reporting Act ( FCRA ), 605 ( a ).

Under FCRA 605 ( a ) ( 5 ), a federal student loan may only be reported for 7 years from the date of default or the date it is paid in full, whichever is later.

My default occurred in XXXX, which is far outside the allowable credit reporting period. 
While the U.S. Department of Education may continue to attempt collection, the FCRA clearly prohibits placing this decades-old account back on my credit file in XXXX. 

I demand the immediate deletion of this account from my credit report and cessation of any reporting to the credit bureaus. Please provide : 1. The original creditors name and account number ; 2. The date of first delinquency in your records ; 3. All documentation you are using to justify the current reporting date.

This is a formal dispute under the FCRA. If this account is not removed within the statutory period, I have file a complaint with the Consumer Financial Protection Bureau ( CFPB ), and will do so with the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and will consider legal remedies for willful noncompliance. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i used my bmo bank master card to pay some invoices the sum of XXXX XXXX 
bank given me XXXX  days to solve the dispute. 
in XX/XX/year> my merchant provided me proof that they lose the case and they also share XXXX the refund receipt from paypal. 
i cal ore then XXXX times but after that bmo said case denied, they close my account in XXXX last XXXX they said we wll send you check of that amount and XXXX they are not responding. 
my bmo account no is XXXX and account tittle is zamzammotor llc

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One and XXXX did a merger and XXXX charged off my debt on XX/XX/year> and now Capital One is suing me for {$2700.00}. 
I went to court on XX/XX/year> and disputed the amount and have a court date scheduled. 

If the debt has been charged off why did I not receive a XXXX for the charge off, and why am I being sued if it was charged off?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-09 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have no knowledge of these inquiries on my credit report. It has damaged my credit and it's not fair that I have to deal with that. I can't get approved for certain credit cards or loans because of these hard inquiries that makes my credit look as if it's delinquent

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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Ive disputed this debt 3 times with credit agencies. I requested debt validation and have received nothing in writing validating this debt. I have had several debt collection agencies reach out to me for the same debt and there has been no debt validation. The dates that this business is reporting on my credit doesnt even coincide with school. They are falsifying the debt as it out of Californias statute of limitations as well. Falsely reporting information violates my rights as well as not providing any proof that this is my debt

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 2025-08-09 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: TX

Complaint narrative:
- Netspend has advertised for offering a {$200.00} checking bonus when opening a Netspend Prepaid Card or Netspend Debit Account after completing some requirements in early XXXX. 
- Opened my Netspend Debit Account on XX/XX/XXXX ; - Completed their requirements, including activating a debit card and making direct deposits from my employer 's payroll between XX/XX/XXXX and XX/XX/XXXX ; - In their advertising terms, it states that the qualifying incentive credit will be applied to the account within XXXX business days after the qualifying direct deposit activity. 
- Contact them to request the {$200.00} checking bonus on XX/XX/XXXX and XXXX via phone call. 
- No response and still not receiving the {$200.00} checking bonus.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Mercury Financial Intermediate LLC
State: IL

Complaint narrative:
I originally opened a XXXX XXXX credit card with XXXX under a sign-up and annual bonus offer of XXXX points per year after spending {$5000.00} annually. My account was later transferred to XXXX XXXX XXXX. When the transfer happened, I called XXXX and they confirmed that they would honor the XXXX products annual bonus terms, including the XXXX annual bonus. 

On XX/XX/year>, my first annual bonus date with XXXX passed but the XXXX points were never credited. I called customer service, and multiple agents gave conflicting answers. One said they had no way to check and no idea how to verify the annual bonus. No explanation was provided, and I was left without the promised benefit despite meeting the {$5000.00} spend requirement. 

Then, on XX/XX/year>, I was billed an {$89.00} annual membership fee. On XX/XX/year> ( only XXXX days later ), I called to close my account and requested the annual fee be prorated or waived, given that I am closing within days of being billed. The agent refused without explanation and said there was no way to cancel or prorate the fee. 

This is unfair and deceptive because : I was induced to keep and use the card based on a promised XXXX annual bonus which XXXX confirmed in writing/verbally would be honored but they never delivered. 

XXXX kept the annual membership fee despite my closing the account only 9 days after the charge. 

Customer service agents gave inconsistent, contradictory information, and I was misled until after the annual fee posted.

Company response to consumer: Closed with explanation