vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act has violated my rights.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX since XXXX of XXXX  re : a dept to COMENITY CAPITAL BANK/ Merchant or service provider XXXX  XXXX  is claiming I owed {$9500.00} on an account I never opened. Its apparently some sort of medical credit card??! I requested written verification, but they have not provided it and continue to call and harass me daily. They say they have my social security number but I have been the victim of identity fraud a few times. I have asked for some sort of written verification. All they tell me is that it has been validated but provide no information as to how it was validated. They are threatening me ( an XXXX mad ) with legal action including putting a lien on my home. I have stopped answering all calls. Please help. I feel I may be the victim of elderly abuse or scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXXXXXX XXXX {$330.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$290.00} Wells Fargo Bank denied every single one of my disputed transaction claims and reversed each provisional credit on the above dates.

I sent the information they provided to the email address on the letter they sent me in the mail. 

I sent them dates of transactions. I sent them proof that I was promised a refund. I sent them tracking numbers. I even sent them screenshots of chats from customer service representatives involved with the transaction. Ultimately, I sent them every bit of proof they needed to make a decision in my favor that I did not receive said goods or services. 

On a side note, it would seem that Wells Fargo and XXXX and XXXX are working in tandem as a monopoly to control and deny legitimate transactions and to prevent overall returns of products and to reduce the overall spending power of the average consumer.

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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
The house was refinanced during marriage back in XXXX, XXXX was finalized in XXXX, Ex-wife since then, has moved out of state and is remarried with a different last name. The divorce decree clearly states, with a good legal description of the property, that I am the sole owner of the property. The divorce decree has been recorded with the county recorder 's office, and ex-wife has been removed from the deed recording. Since XXXX, I have been the sole person responsible for the property. On XX/XX/XXXX of XXXX, there was a water leak from the dishwasher, an insurance claim was opened with XXXX XXXX under a policy with just my name on it, after removing kitchen and bathrooms and all the flooring from the house they estimated a cost and a check was issued with solely my name and the mortgage company 's name. Since XX/XX/XXXX, the loss draft department has had the money, and since then, they have put up a ton of red tape, and I fulfilled everything they asked. Finally on XX/XX/XXXX they issued a check with my name and the name of my ex-wife. My bank will not let me deposit a check with a third party name on it despite endorsement. I went back to Shellpoint to submit all supporting documents to remove her from the check so I can deposit it into my account. Despite all parties willing to sign any documentation from all parties, the divorce decree and county recording they are refusing to remove the name from the check to allow the house to be put back together and are telling me my only option is to refinace and will not let me assume the loan because I have been late in the last 12 months. Isurane is done covering us from rental coverage at the end of XXXX and the motage company has had the money since febuary and I have not been able to receive the money to put the house together. they have not given a clear direction to resolve the issue and tell me I need to refiance but I cant refiance with the house being torn apart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5000.00}

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 2025-05-28 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: IN

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a XXXX, 0 % promotional financing offer to purchase appliances from XXXX. XXXX is using Synchrony Bank to lure consumers to their stores. On XX/XX/year>, the balance on the account was {$4500.00}. After a full year of automatic payments, I was surprised to find that the remaining balance was still {$4100.00}. I realized that I was charged {$1600.00} in interest, reflecting an APR of 34.99 %. 

At no point during the purchase process was I informed that, if the balance was not fully paid by the end of the promotional period, the credit card company would retroactively charge a full year of interest. When I contacted the credit card company to dispute the interest charge, they refused to make any adjustments. I believe that, even if disclosed in the fine print, the credit card company is taking advantage of consumers by charging me an exorbitant interest rates. I was not aware that I could be charged for a full year. the statement state that in very small print. As my statement are electronically I was not aware until today when I wanted to pay my balance in full.

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 2025-05-28 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: TX

Complaint narrative:
Please remove these fraudulent accounts and inquiries from my credit report immediately.

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 2025-05-28 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: TN

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion only, not showing on XXXX  and XXXX  which is being inconsistently reported among the 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 2025-05-28 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: MD

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I XXXX  the number to XXXX customer service. The number was fraudulent and my phone was hacked. There was nothing I could do but watch them delete all evidence of them on it, disabled my call recording app, opened new apps and proceeded to make charges on XXXX, XXXX, and directly from my account. They overdrew my account by {$170.00}. I was only able to stop everything by turning off my phone. I immediately called TD Bank and froze our XXXX accounts. I called the credit agencies and put a stop to all credit applications and they told me it would apply to all XXXX. I called the police and made a police report where the officer was able to listen to a voicemail they accidentally sent me. He said they sounded like they were speaking XXXX. I submitted the information to the Federal Trade Commission as well. The next day, my husband and I went to our TD Bank on XXXX XXXX XXXX in XXXX, NJ. They closed the old accounts and opened new ones, giving us new cards. Yesterday, I got XXXX letters from TD denying the claim of fraud and claiming I benefitted from the transactions. It said they would be taking all the money out of the account and would do nothing to stop that. I am a poor XXXX woman who gets XXXX. I have no money in my account and this will cause serious problems for me. I have to stop my XXXX XXXX XXXX payment so they don't take that money or we can't pay our mortgage. The manager, XXXX was no help and said they were just too busy. XXXX, the woman who entered the claim failed to tell the fraud department that my phone was hacked and I was not in control of it. I have gotten absolutely no help and am XXXX XXXX XXXX XXXX XXXX  and need to go to the hospital but I can't go anywhere until this is solved or someone helps me. I have been a member of this institution since XXXX and they couldn't care less about me. I need help they refuse to provide and are acting like I shouldn't have a problem with what's happening. I am so upset I am XXXX  and having XXXX XXXX. Please don't let this happen to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
The company continually every year applies our escrow wrong and then tells us we didn't make a monthly payment which in fact we did and have proof that both payments went through our account before due date which is XXXX and then sends us a late payment letter and a coupon that has never been updates with the escrow monies they received and late charges on top of it. We have called twice and both time neither individual knew what they were doing or could tell us what was going on. This happens every single year with this institution.

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 2025-05-28 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: FL

Complaint narrative:
I am sending this complaint to equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A check for my retirement issued from XXXX XXXX for {$230000.00} was reversed on XX/XX/year> by XXXX XXXX to be sent back to XXXX XXXX so they could issue me a new check to replace the check that I accidentally deposited into my personal checking account at XXXX XXXX on XX/XX/year>. The money was sent to JP MORGAN CHASE Bank then sent to XXXX XXXX  who are saying that they never received the check from JP MORGAN CHASE so XXXX XXXX has not received the funds to issue me a new check. 
XXXX XXXX apparently sent a lump sum check in the amount of {>= $1,000,000} which also included other peoples funds for reversed checks and that check is # XXXX. XXXX XXXX, JP MORGAN CHASE BANK, XXXX XXXX  and XXXX XXXX  are all claiming that each place does not have or can account for the money. And each bank says there is nothing they can do to locate the money. I am desperate as that money is my retirement account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief