vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Late Payments and Hard Inquiries under 15 U.S.C. 1681i ( b ) ( c ) & 15 U.S.C. 1666 To Whom It May Concern, This letter is a formal dispute of inaccurate and unauthorized information listed on my TransUnion credit report, File Number : XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( b ) and ( c ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I demand that you immediately investigate and remove the following : These accounts are inaccurately reported as past due, when they were either paid on time, paid under hardship, or were not my responsibility : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX ) These negative marks are materially damaging and misrepresent the payment history. I request you conduct a full reinvestigation and remove these entries if the data furnisher fails to provide documented proof within 30 days as required by law. 
also dispute the following hard inquiries, which I did not authorize, consent to, or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple entries not initiated by me Under 15 U.S.C. 1681b ( c ), no hard inquiry may be included on a consumer report unless the consumer has authorized it. These inquiries were made without my consent and therefore violate federal law. Please remove them from my report immediately.

I am requesting the results of this reinvestigation be sent to me in writing within 30 days, as outlined by 15 U.S.C. 1681i ( a ). Please include an updated copy of my credit report reflecting the deletions.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : 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 2025-07-20 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: OneMain Finance Corporation
State: GA

Complaint narrative:
All of the listed Businesses such as : One Main Financial, XXXX, One Main Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX and Bank of XXXX. Broke the 15 U.S. CXXXXe XXXX - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and I reported them all to fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank addded XXXX insurance to my loan with out checking with my XXXX XXXX XXXX company. But when I called them they sad I needed this insurance to have a loan they didnt ask If I still had full coverage and I had the same ins same agent same ins numbers. I had not changed a thing with the ins from the day I bought the truck. Turns out all the paper work they sent me after the repo was a giant XXXX. They never auctioned the truck they left the truck in my name and sold the loan. The Bank no less than XXXX times took payments late and never refused the money. The Bank Never never sent a XXXX letter no letter at all until there fake auction letter. This bank did arbitration on the day that I kept telling them I had a doctors appointment at the same time XXXX times I asked them to change the date XXXX the arbitration they never did. They did the phone arbitration without me on the phone. They gave me XXXX but they sold the XXXX warranty I paid cash for on the truck. 
They never helped pay for the lawyer for my XXXX they forced me too file when they no longer owned the loan. 
They never fixed my credit. The amount of XXXX is no where near the damage they caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: IN

Complaint narrative:
My loan servicer is MOHELA. I applied for XXXX plan in XX/XX/XXXX just before XXXX  plan injunction and have not been placed in a repayment plan. On department of Ed website XXXX XXXX XXXX XXXX  ) it says I should be in a general forbearance where interest does not accrue ( and does not count for XXXX ). I have had difficulty convincing MOHELA to place me in a general forbearance, which they have since corrected. However, there was a number of months where I was not in the general forbearance and interest was accruing incorrectly. I called XXXX XXXX XXXX  who said MOHELA needs to adjust the interest. I call MOHELA and they say federal student aid needs to manually adjust my accrued interest. I am not sure who is correct, I would just like to get interest that has been accruing incorrectly to be forgiven. I have called MOHELA multiples times over the past XXXX months regarding this issues ( XXXX times at least ). I feel I can not make student loan payments on XX/XX/XXXX when Interest begins accruing as payments, new interest and old interest will all mix and it will be difficult to ascertain how much interest needs to be forgiven. There is still {$4900.00} in accrued interest that needs to be forgiven. I have downloaded PDFs time stamped today XX/XX/XXXX with the up to date amounts. I can provide additional documents and information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: UT

Complaint narrative:
In early XX/XX/XXXX, we reviewed our credit report with XXXX  to check for any unusual activity, as is routinely recommended. During this review, we discovered an outstanding balance on a US Bank Home Equity account that we did not recognize. We have no records of this account, and it was our understanding that all of our US Bank accountsincluding our mortgage, checking account, and any unused lines of credithad been closed at our request in XXXX. 

We refinanced our mortgage with US Bank in XXXX to take advantage of lower interest rates, and at that time, we explicitly declined a home equity line of credit, as we had no need for one. However, US Bank later provided documentation showing that we had electronically signed for such an accountsomething we were unaware of at the time. I do recall that during the refinancing process, US Bank attempted to pay off our existing credit card balances without our authorization. We immediately contacted them to stop this, and the issue was corrected. 

From XXXX to XXXX, no fees were charged to this home equity account. However, starting in XXXX, US Bank began assessing an annual fee. They later explained this was due to the closure of our checking account. The critical issue is that we were never notified of these chargesno paper statements were mailed to our address ( which has remained unchanged ), and no electronic billing was received. Although we occasionally saw generic emails prompting us to log in to view account activity, we had never set up online access, did not know our account number, and assumed these messages were promotional in nature. As a result, we disregarded them as junk mail. Had we received a proper billing notice, we would have addressed the balance immediately. 

On XX/XX/XXXX, we visited our local US Bank branch. The branch manager informed us that he could not resolve the issue but provided a copy of the signed agreement and the transaction history. He asserted that we must have signed up for electronic statements, which is not something we typically would have chosenparticularly not in XXXX. We feel US Bank acted negligently by failing to ensure we were receiving billing notifications and by not attempting to contact us through other means when payments were not being made. 

We wrote to US Bank on XX/XX/XXXX, expressing our concerns. In response, the bank replied on XX/XX/XXXX, stating there was no billing error and demanding payment of {$560.00} by XX/XX/XXXX. They also stated the account would not be closed until payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Date : XX/XX/year>2025 Consumer : XXXX XXXX Debt Collector : SPRING OAKS CAPITAL LLC I am filing a formal complaint against Debt Collection Agency Name regarding an alleged debt they are attempting to collect, which I believe to be inaccurate, unverified, or not legally owed. 

This debt is currently being reported on my credit report and I have not received any proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXXXXe XXXXg. The company has not provided proof that I owe this debt, including : - A copy of the original signed agreement bearing my signature, - Itemized statements or payment breakdowns, - Legal proof of ownership and liability, - Evidence that they are authorized to collect this debt. 

Despite my rights under the FDCPA, they continue to report this alleged debt without resolving my dispute. If they are already reporting the debt, they are also required to mark it as disputed under 15 U.S. CXXXXe XXXX ( XXXX ) which I believe they have failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CO

Complaint narrative:
This is my third attempt requesting removal of this account I have XXXX knowledge of this account have made numerous of disputes requesting proof of signature and proof of residency of the account listed neither has been provided multiple names and addresses phone numbers were removed that I also had XXXX knowledge of who it was or why it was there without proper verification identify theft has been reported also Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 am a victim of identity theft. I mailed all three credit bureaus Experian, Equifax, and TransUnion a complete packet of required documents, including : A copy of the police report My FTC Identity Theft Report A written request to remove fraudulent accounts and freeze my credit A copy of my ID and proof of address Despite this, I received a response from Experian claiming they did not receive the police report, even though it was included in the same envelope as the rest of the documentation. Equifax and TransUnion have also failed to take proper action. Fraudulent accounts remain on my credit reports, and Ive had no way to communicate with a live person at any of the bureaus. 

All three bureaus have made it nearly impossible to get help : Their customer service numbers do not connect to real people All email addresses Ive tried bounce back or go unanswered I am left with no way to defend myself or correct my credit These failures are harming my financial life. I can not afford credit repair companies and shouldnt have to pay to fix something I did not cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I used my debit card they charged me {$39.00} for debit card cash advance transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Pease see attachments of correct spelling of my Name and My proof of address. 

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pease see attachments of correct spelling of my Name and My proof of address. 

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I have discovered that Innovis has created a consumer report or accessed my personal information without my authorization. I did not give Innovis permission to create a report or use my personal data. I have not requested any services from them, nor have I ever provided consent for them to access my information. I believe this report was created without my consent and without a legitimate reason. I want Innovis to cease all use of my personal data, and I request that my consumer report be permanently deleted. I would also like to ensure that no further reports are generated in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc
State: TX

Complaint narrative:
{$2700.00} ( XXXX ) {$540.00} ( XXXX ) {$18000.00} ( XXXX ) {$7100.00} ( XXXX ) I sent in a letter asking for the debt to be validated and i never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: TX

Complaint narrative:
{$2700.00} ( XXXX ) {$540.00} ( XXXX ) {$18000.00} ( XXXX ) {$7100.00} ( XXXX ) I sent in a letter asking for the debt to be validated and i never received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Request for Review PayPal Account Permanently Limited in Error ( Buyer Only ) I am requesting a formal review of PayPal 's decision to permanently limit my account. 

I have never used PayPal to sell goods or services. Ive only used it to make legitimate purchases. The account was suddenly restricted after I filed a single buyer dispute for a fraudulent transaction ( an item purchased from a scam website that never delivered ). 

This was : My first-ever dispute Filed in good faith Related to a clear case of fraud When I contacted PayPal support, I was told the decision was final, and they refused to provide any reason or allow an appeal. Even their automated system ( chat ) repeated the same response. 

I understand PayPal has policies to reduce risk, but in this case, I believe my account was wrongly flagged as a high-risk seller, which is not accurate. I respectfully request : 1. A full review of my account by a higher-tier team 2. Reinstatement of my account 3. Clarification on what activity triggered this action Im happy to provide any documentation to support this request. Thank you for your time and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-07-20 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: AZ

Complaint narrative:
I have gotten a new copy of my credit report and noticed multiple accounts that do not belong to me and are reporting on my credit report.

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