vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: ID

Complaint narrative:
Fay Servicing ( a company well-known to the CFPB for their repeated violations ) provided me an incorrect 1098 statement for XXXX. The amount on the 1098 form under reports the interest I paid on the loan by thousands of dollars. The fact it is incorrect is obvious as the amount of interest reported as paid YTD on my XX/XX/XXXX statement clearly shows the correct interest amount. I contacted XXXX in early XXXX via phone to get an updated statement, but they have failed to provide the corrected form. This will result in me having to file an amended tax return to the US Government once XXXX corrects their mistake. The same exact issue occured for tax year XXXX and I was also required to file an amended tax return due to XXXX issuing an incorrect 1098 statement for XXXX. 

They are also misreporting the amount of principle I paid in XXXX. I don't believe this company is properly applying my principle payments to reduce the loan balance. 

This company is completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
The three major credit reporting unauthorized and fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached FTC 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
Consumer complaint received 2025-04-24 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: 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 2025-04-24 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: MD

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ND

Complaint narrative:
b"CHIME XXXX XXXX XXXX XXXXXXXX XXXXXXXX CA XXXX \nsupport@chime.com,\nsupport@chimebank.com,\nchime@accounts.chime.com,\nXXXX \nhttps://www.chime.com/ \n\nSUMMARY \n\nCHIME HAS REPEATEADLY FAILED TO HONOR XXXX \nZERO LIABILITY DESPITE HAVING BEEN PROVIDED\nWITH SOLID EVIDENCE OF FRAUD AGAI ST MULTIPLE MERCHANTS. COMPLAINTS AGAINST THESE MERCHANTS ARE ENCLOSED.\n\nI HAVE CONTACTED CHIME AND XXXX, AND FILED COMPLAINTS WITH THE XXXX (XXXX XXXX)  AND XXXX (XXXX)\n\nTHE DISPUTES IN QUESTION ARE:\n\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\n                 EXXXX XXXX\n\nUNKNOWN DISPUTE NUMBERS:\n\nXXXX XXXXnXXXX XXXX\n\nTHESE REFUNDS ADD TO XXXX  USD\n\n2025 XXXX XXXX\nFILED A COMPLAINT WITH THE CFPB"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt. Including but not limited to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-24 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: FL

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 2025-04-24 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: FL

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 2025-04-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : HWARFIELD acct XXXX XXXX  1. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 
2. * * Details of the debt * * : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was going over my finances and transactions connected to my Wells Fargo, checking account and noticed some unauthorized transactions lead into funds being withdrawn from my checking account so I took the necessary steps filed a claim in and instead of them thoroughly investigating the problems with the account, they refused to give me a refund of the funds that were fraudulently took out of my account and they close down all the accounts that I had with their bank without a proper and explainable reason.

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 2025-04-24 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: TX

Complaint narrative:
I am formally disputing Equifaxs inaccurate reporting of late payments. These payments were made on time, yet they are still falsely listed as late. This misinformation is unacceptable and continues to damage my credit score. I demand a prompt investigation and immediate correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove these 2 unverifiable inquires from my credit report. XXXXXXXX XXXX : XXXX XXXX 2025, and XXXX XXXX : XXXX XXXX,2025. In addition, I didn't give you permission ( Equifax ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681bc ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I sent a certified letter requesting a 1099c for cancellation of debt that has been charged off and it's been a couple months I have got no response, but they are still reporting it as a charge of on my credit report. Which is in accurate reporting violation of the customer law. 

One main financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint because Equifax, TransUnion, and Experian ( or its reporting partners ) is displaying false credit information on my credit report. Specifically, they are listing a trust account or trust-related financial asset as if it is a personal financial asset or liability of mine. 

I am only the beneficiary of the trust. I am not the trustee, I have no legal control, and I do not own the assets. Therefore, it is misleading and inaccurate for this account to be reflected as part of my personal credit report. 

This misreporting is harmful. It has caused me to be denied financial assistance, and it affects my credit score unfairly. Under the Fair Credit Reporting Act, I have the right to a credit report that is accurate and free from misleading or unverifiable information.

I have already contacted the credit reporting agencies directly to dispute this. However, the issue has not yet been corrected. 

I am requesting that the CFPB investigate this matter and ensure that the credit reporting agencies and XXXX XXXX are accurately reporting my information and not violating my consumer rights. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint because Equifax, TransUnion, and Experian ( or its reporting partners ) is displaying false credit information on my credit report. Specifically, they are listing a trust account or trust-related financial asset as if it is a personal financial asset or liability of mine. 

I am only the beneficiary of the trust. I am not the trustee, I have no legal control, and I do not own the assets. Therefore, it is misleading and inaccurate for this account to be reflected as part of my personal credit report. 

This misreporting is harmful. It has caused me to be denied financial assistance, and it affects my credit score unfairly. Under the Fair Credit Reporting Act, I have the right to a credit report that is accurate and free from misleading or unverifiable information.

I have already contacted the credit reporting agencies directly to dispute this. However, the issue has not yet been corrected. 

I am requesting that the CFPB investigate this matter and ensure that the credit reporting agencies and XXXX XXXX are accurately reporting my information and not violating my consumer rights. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX  XXXX, to Experian Information Solutions on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX, XXXX for the date XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-04-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX card : XXXX XXXX ( XXXX $ ) XXXX XXXX XXXX  : XXXX XXXX ( {$1400.00} ) XXXXXXXX XXXX  : XX/XX/year>, ( {$310.00} ) XXXX : XXXX XXXX ( {$1800.00} ) These companies are on my credit report but I have no knowledge or information of these agencies. They are not associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I have made 6 separate attempts to complete an electronic funds transfer of my unemployment benefits from Way2Go to my personal checking account. On XXXX XXXX XXXX, I submitted a request through my online user portal to complete the funds transfer. According to my user profile, the transfer was completed before being clawed back on XXXX XXXX XXXX. I then attempted to use the telephone transfer request system to complete the transfer on XXXX XXXX XXXX  The user account says it cleared again before being clawed back on XXXX XXXX XXXX I then called on XXXX XXXX XXXX to confirm what is needed to complete the transfer. I was informed that the first two requests were denied due to alleged " suspected fraudulent activity ''. This is after having to verify my identity both times. I was instructed to send an email to the appropriate team with the subject line " ACH Transfer Request '' and to include my bank statement and photo ID. I received an automated email requesting further information, to which I replied with the requested information on XXXX XXXX XXXX After no updates, I called again on XXXX XXXX XXXX when I was informed that this latest request was denied because " the fraud prevention team does not have the ability to open a PDF ''. During my most recent call on XXXX XXXX XXXX I was informed that my sixth attempt was denied with the justification " need bank statement, routing number and account number ''. This is despite the fact that the full account number is on the statement and the routing number was provided within the body of the email. I was instructed to cure this by ensuring the routing number and account number for my personal checking account are typed in the body of the email. Apparently there is no way for any representative at Way2Go to read it from the statement and input it that way.

Throughout this ordeal, there has never been any attempt by the Way2Go administrators to contact me and inform me of the status of my requests. Every update received has been initiated by myself. This lack of communication and lack of clarity on requirements to complete a funds transfer is unnecessarily burdensome. Moreover, none of these requirements are listed anywhere for consumers. If an email with these documents are the only way to complete a transfer, why is there a portal to complete the transfer online, and why is there an option to request the transfer through their telephone system? This appears to be a deliberate and concerted effort to withhold funds from consumers for as long as possible. Such action is blatantly abusive and exploitative.

Company response to consumer: Closed with explanation