vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Nature of the Complaint : Failure to apply payments correctly with the mortgage company. 

Multiple times reached out to the mortgage agent to resolve. Their error and miscommunication is causing erroneous charges, Very poor customer service, misleading information. Also, I can't see unapplied amount on Valley Bank App- Agent says it's different and I can't speak about what you can and can not see online Banking. It's absurd to hear this in today 's digital world. I've made so many payments, all via APP. 
Valley National Bank is the Mortgage Company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been going in circles with Cashapp a company of XXXX for months now about 2 scam claims XXXX for XXXX and XXXX for XXXX. Where I was tricked into sending money to an individual believing that they were a legit business that was to provide a service for me. Upon paying them I never received any service nor any responses from the individuals. Realizing I was scammed. I contacted cashapp who denied my claims. So I made a complaint here with the cfpb and cash app responded. Acted like they were going to help me, and had me claim these transactions again as scams. After running me in circles for a month they finally " started '' their " investigation ''. After another month or so of asking for a status to the claims and being run in circles over and over. I finally get an email stating they will not help me recover my funds. And that's the end of discussion. The only reason they even responded to me was because of the complaint made with the cfpb. Trying to make theirselves look good. When they never had any intention of helping me recover these funds. As I was told many times over that it's not something they do. This company is a joke. I would never trust them with money definitely after all of this nonsense and no help at all. I am going to remove all my funds from this company and never trust them again. It's a joke. Their company is a joke. They never intend to assist anyone. They just let people get scammed and that's the end of that. They can snatch money from my account and put it in the negative. But they can't do that to a scammer. It's ridiculous. And a complete joke of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXThis information orginated from XXXX  a company from XXXX  I paid my XXXX  balance off and paid in full and closed this account with XXXX  why this is being added to my credit report after 7 years thur Experian I don't know. Experian keep emailing me harassing me about this $XXXX  collection. The source of the debt is coming from Experian XXXX they keep harassing with this information by sending me emails.  This started XXXX by XXXX XXXX XXXX XXXX XXXX XXXX I don't know who these people are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nOriginal information would come from XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they can verify that this XXXX account was paid off 7 years ago.\nExperian is the sourceXXXX  Experian.com\nMailing address XXXX XXXX XXXX XXXX XXXX XXXXand main office 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 explanation
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an alleged collection account that continues to be reported on my credit reports by XXXX, Experian, and XXXX  for a debt I do not owe. 

XXXX XXXX is reporting an account with the original creditor listed as XXXX. I do not have any outstanding balance with XXXX. Any prior debt associated with XXXX was fully settled more than two years ago. XXXX XXXX was already notified of this fact in a prior CFPB complaint submitted on XX/XX/year>. That complaint ID is XXXX. 

Despite this notice, XXXX XXXX continues to furnish this account. The balance being reported is also inaccurate. There was never a balance of {$11000.00} owed to XXXX, which was clearly communicated to XXXX XXXX. 

XXXX XXXX has failed to provide proper debt validation as required under 15 U.S.C. 1692g, including proof of assignment, chain of title, or documentation establishing any legal obligation on my part. Continuing to report this account without verification is misleading, harmful to my credit, and a violation of federal consumer protection laws. 

This company has a documented history of predatory and unlawful debt collection practices, and its continued reporting of an unverified and inaccurate account further demonstrates noncompliance. 

I am demanding the immediate removal of this XXXX XXXX account from all credit reporting agencies. If this matter is not resolved promptly, I will pursue further action, including legal remedies available to 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 2025-12-18 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: Asset Management Professionals, LLC
State: TX

Complaint narrative:
have asked them to stop selling my personal information and who is they selling my information too. have people calling to trying to serve me papers

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Beginning in or around XX/XX/XXXX, I began receiving notices from multiple creditors stating that I owed balances on credit card and loan accounts that I did not recognize and did not open. These accounts were opened without my authorization and are the result of identity theft. 
After receiving these notices, I obtained my consumer credit reports from XXXX XXXX XXXX XXXX, which revealed numerous unauthorized credit accounts, including multiple high-balance credit cards and charge-off accounts. In total, there were more than a dozen fraudulent tradelines reporting across the credit bureaus. 
I later received formal data breach notifications from TransUnion and Experian, and I am aware of XXXX widely reported consumer data breach, confirming that my personal identifying information was exposed through multiple credit reporting agency breaches. These breaches preceded the appearance of the fraudulent accounts on my credit reports. 
I reported the identity theft to the Federal Trade Commission by filing an Identity Theft Report and to local law enforcement, resulting in a police report documenting the matter as identity theft. 
Between XXXX and XX/XX/XXXX, I submitted formal identity theft blocking requests to the credit reporting agencies pursuant to 15 U.S.C. 1681c-2, including an FTC Identity Theft Report, a police report, a sworn identity theft statement, and a detailed list of fraudulent accounts. 
Despite submitting complete documentation, some identity-theft-related accounts have continued to report inaccurately, remain listed as charge-offs or collections, or have not been fully blocked or deleted as required by federal law. 
I also sent written identity theft dispute notices to the creditors furnishing this information, requesting that they cease reporting and collection and delete the fraudulent tradelines. Despite these notices, certain furnishers have failed to correct the reporting or have continued collection activity. 
The accounts at issue were never opened, authorized, or used by me, and I received no goods, services, or benefit from them. Continued reporting and collection activity reflects a failure to properly investigate disputes involving documented identity theft following multiple credit bureau data breaches. 
I am requesting CFPB assistance to require the involved companies to : Comply with the Fair Credit Reporting Act and identity theft protections Block and delete all identity-theft-related tradelines Cease collection activity related to fraudulent accounts Provide written confirmation that the accounts have been resolved as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
The bank attached files and I have not gotten the cashier check that was mailed out, the department that issues the checks are refusing to put a stop payment so the bank can disburse my funds. This is not ok! Its to close to XXXX time & I have lost my dad this week. This is not ok! They do not care and are not trying to assist with me getting my funds owed to 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 monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The CCB/BURLIN account is being reported inaccurately as a collection. This account was paid in full and has a zero balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a zero balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC
State: FL

Complaint narrative:
In XXXX  I applied and was approved for a loan through this company. I was approved for {$1000.00} Upon approval they automatically took {$200.00} off the loan amount for what they said were for fees, up on seeing these fees and the rates that I was being charged I tried to just pay back the loan right away they said that the loan had already been finalized and that the amount is now over {$2600.00}. I have since tried to reach an agreement with them now they're saying I owe over XXXX, they will not supply me with any type of breakdown of said fees and charges. They have taken out a UCC lien against my earnings and are demanding {$150.00} every month for 22 months. I'm not paying them this kind of money when I only received {$800.00} to begin with. At that I tried to pay back this loan immediately up on scene these kind of fees and they would not allow it unless I paid them over {$2000.00} lump sum or {$150.00} a month for 22 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint against Experian Information Solutions , Inc. for repeatedly failing and refusing to conduct a reasonable investigation into my credit report disputes, despite my full compliance with all requirements under the Fair Credit Reporting Act ( FCRA ). 

I have mailed written dispute letters to Experian, including my most recent dispute dated XX/XX/year>, in which I clearly identified inaccurate, incomplete, and inconsistent information appearing on my consumer credit report. Along with my dispute letter, I properly enclosed all documentation required to verify my identity, including government-issued identification, proof of address, and signed correspondence, confirming that I am the consumer submitting the dispute. 

Despite receiving these materials, Experian has failed to respond and has refused to conduct a lawful reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ). Experian has neither completed an investigation within the statutory timeframe nor provided written results explaining how the disputed information was verified. This continued inaction constitutes a violation of my consumer rights.

The disputed information includes accounts, collections, inquiries, and personal information that are inaccurately reported, contain material discrepancies, or lack proper verification, all of which are detailed in my attached dispute letter. These reporting errors are causing ongoing and measurable harm to my credit profile. Under the FCRA, once a consumer submits a dispute with sufficient identifying information, a consumer reporting agency is legally obligated to conduct a reasonable reinvestigation and to delete or correct any information that can not be verified. Experians repeated refusal to comply represents negligent and willful noncompliance with federal law, including but not limited to : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 609 and 610 Failure to properly handle consumer disclosures and disputes Because Experian has continuously failed to fulfill its statutory obligations, I am requesting that the Consumer Financial Protection Bureau intervene to ensure my consumer rights are upheld.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, unauthorized transactions occurred on my checking account, including an in-person transaction and additional fraudulent activity. I reported the fraud to the bank promptly upon discovery. 

Despite my immediate notification, fraudulent activity continued. My account numbers were changed multiple times, yet the unauthorized withdrawals persisted. It became apparent that the fraud was being carried out mainly through the banks Bill Pay system. 

I specifically requested that Bill Pay be disabled to prevent further losses. The bank failed to turn off this function, and my account continued to be drained as a result. This failure exposed my account to ongoing unauthorized use after the bank had been placed on notice of the fraud. 

A significant amount ( {$160000.00} ) of my funds was stolen. On XX/XX/XXXX, the bank issued partial reimbursement ( {$130000.00} ), but it refused to credit the remaining unauthorized transactions. I have not received a clear explanation for the denial of the remaining funds, despite my timely reporting and repeated attempts to resolve the matter. 

Wells Fargo alleges that it was able to cancel five ( 5 ) Bill Pays totaling {$35000.00}, but is unable to provide documentation supporting this claim. My bank statements show only one cancellation, and Wells Fargo has provided me with only one Notice of Cancellation despite my request for the notices. 

I am requesting that the CFPB review the banks handling of this matter, including : Its failure to prevent continued fraud after notification Its failure to disable Bill Pay as requested Its basis for denying reimbursement of the remaining unauthorized transactions ( {$23000.00} ) I am seeking a fair review consistent with consumer protection standards and a clear explanation of the banks decision.

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