vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase for {$100.00}, which ended up being a fraudulent merchant and charge. XXXX XXXX XXXXXXXX When I realized I had been dealing with a fraudulent merchant, I filed a dispute ( XX/XX/XXXX ) for this charge, date unrecalled and was issued a new card number as this was the recommended course of action due to the recent fraud that had occurred. 

Note : The agent that took the information for the dispute handled it very poorly and even recorded incorrect details for the claim. Clearly he was distracted and wasn't paying very close attention to the facts I provided. Which resulted in a notification asking me to clarify on ( XX/XX/XXXX ). I called back and clarified, and was told that my claim would begin NOW. This is completely unacceptable and a complete violation of REG E.

I was told that I would be issued a temporary credit until the issue was resolved with the merchant. I NEVER RECEIVED THAT CREDIT / NOR INTEREST ADJUSTMENT Recently I was informed ( XX/XX/XXXX ) that the dispute was in MY FAVOR and the temporary credit would become permanent. I have reviewed the ledger in the new card # XXXX and have yet to see a TEMP CRED / INT. ADJUSTMENT or anything for the {$100.00} charge. 

I called on XX/XX/XXXX, the representative stated that the charge would post to my account by 1-2 days, but definitely by the end of the week, and to this day HAS NOT YET POSTED. 

I called back today XX/XX/XXXX, only to be told " the credit was posted to the old credit card number ending in # XXXX and that they would need to issue a request to transfer funds that would take 7-10 business days '' WHICH IS COMPLETELY UNACCEPTABLE.

AT THIS POINT, THE BANK IS IN SEVERE VIOLATION OF THE REGULATION. I EXPECT THIS TO BE RESOLVED IMMEDIATELY, CREDITS TO BE ISSUED ACCORDINGLY BECAUSE OBVIOUSLY THE NEW CREDIT STILL REFLECTS THE BALANCE INCLUDING THE {$100.00} AND HAS BEEN FOR THE PAST MONTH, ETC. THIS IS A VIOLATION.

ALSO DUE TO THE INCONVENIENCE I AM SEEKING ADDITIONAL COMPENSATION FOR THE MISHAP. I DONT UNDERSTAND WHY A CREDIT WOULD EVER BE ISSUED TO A CLOSED ACCOUNT. MAKES NO SENSE. SOMEONE ON WELLS FARGO 'S END MESSED UP, MORE THAN LIKELY THE DISTRACTED AGENT ( s ) THAT HAVE HELPED WITH THE CASE. 

THIS NEEDS TO BE RESOLVED 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 2025-07-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I am a victim of identity theft and to request the immediate removal of an account that does not belong to me from my credit file. The account in question is with XXXX, account number ending in XXXX and it was opened fraudulently without my knowledge or consent.

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 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: ME

Complaint narrative:
I signed a document stating that I would be paying for home insurance via escrow account. I was insured by XXXX XXXX with a policy date starting XX/XX/year>. My morgage lender New American Funding, did not send a check to the insurance company. this caused my insurance policy to be cancelled. The negligance of New American Funding has caused me to lose insurance and I am also now haveing to pay more for a different insurance policy. I reached out to my mortgage lender several times and they did not make any effort to correct this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I don't know how I ended up on this company 's website directed from another website. I did not provide my social security number to either website. XXXX XXXX XXXX did a hard inquiry without my authorization and without me being pre-approved. I thought it was just going to be a soft pull 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : Complete Breakdown of the Debt : Please provide a detailed breakdown of the total amount claimed, including any interest, fees, or additional charges added to the original balance. Additionally, provide the date when the debt allegedly became overdue and explain how the balance has been calculated.

Information Regarding the Original Creditor : Specify the name of the original creditor and the amount that was originally owed. If the debt has changed hands, please provide details regarding the transfer, including all documentation.

Proof of Ownership and Legal Authority to Collect : I require documented proof that PORTFOLIO RECOVERY ASSOCIATES has the legal right to collect this debt. This includes any contracts, agreements, or documentation showing that XXXX XXXX transferred or sold the debt to you. 
Verification of the Debts Validity : Provide any documents that demonstrate my legal obligation to pay this debt, including signed contracts or agreements that show I am responsible for the balance. 
Statute of Limitations : Please provide information regarding whether this debt is still within the statute of limitations and how that was calculated.

Licensing Information : PORTFOLIO RECOVERY ASSOCIATES is licensed to collect debts in my state, please provide the license number and the name of the issuing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
I am filing this complaint to address a deeply frustrating and unacceptable issue regarding a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with a reported balance of {$3500.00}. This account had previously been disputed and removed from both my TransUnion and XXXX  credit reports following a thorough investigation and the acknowledgment that it was either unverifiable or inaccurate. Yet, without notice, this same derogatory account has now been reinsertedcompletely disregarding my rights and the protocols laid out under the Fair Credit Reporting Act ( FCRA ). 

The emotional toll this has taken can not be overstated. Ive worked hard to maintain the accuracy and integrity of my credit reports. To discover that an account I already fought to have removed has suddenly reappeared without warning feels like a betrayalnot just by the bureaus, but by the system thats supposed to protect consumers from exactly this type of error. I was given no notice that this account would be reinserted, nor was I provided any updated or verifiable documentation from the furnisher ( XXXX XXXX ) justifying its return to my file. 

I want to emphasize that this isnt about trying to avoid a legitimate obligationits about accuracy. The account was removed because it could not be verified. If XXXX XXXX now claims otherwise, then they are obligated under law to provide sufficient documentation proving the validity of the charge-off and the debt itself. To date, that has not happened. Ive received no communication, no proof, and no explanation. Just the sudden reappearance of a charge-off that should not be there. 

Its worth noting that these kinds of errors often stem from large-scale data inaccuracies that result from the increasingly common and widespread handling of personal information across systems and platforms. Its possible that my data was compromised or incorrectly recompiled, but regardless of the source, I should not be the one to bear the burden of a system error. Ive taken every reasonable step to correct this and protect my credit, only to see my efforts undone without transparency or accountability. 

The FCRA is very clear on this matter. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information, they must notify the consumer within five business days and provide the name and contact information of the furnisher who verified the item. Neither TransUnion nor XXXX  did this. Furthermore, under 15 U.S.C. 1681e ( b ), the agencies are required to maintain procedures to ensure the maximum possible accuracy of consumer information. This kind of unverified reinsertion is in direct violation of that obligation.

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 2025-07-03 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-03 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage was transferred to Mr.cooper and soon after my wife lost her job. I called Mr.cooper, I spoke to XXXX in customer service on XX/XX/XXXX and they offered me a forbearance on the loan and assured me this would not damage my credit in any way. We paid the increased amount as agreed with no missed payments. The house sold and was paid off in XX/XX/XXXX. I disputed the one missed payment for XXXX that they reported with the company by email on XXXX and online through XXXX XXXX XXXX. I received notification that my issue had been resolved and there was a mistake on my credit. When I checked the reports, I saw that in retaliation for my complaint they reported more missed payments and on different months for different reporting agencies in an attempt to further damage my credit. I have all documentation and bank statements and payment history to back up my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-03 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt of my signature. If no, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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