vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
After realizing my debit card was missing I looked over my bank statement to find several fraudulent charges and contacted both the companies and my bank. Bank opened a claim disputes however declined several of the claims. Canceled my previous debit card and reissued a new one with no resolution to significant money missing due to charges I had not made. 

Charges were as follows : XX/XX/year> XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX {$220.00} XXXX XXXX {$77.00}

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 explanation
Consumer complaint received 2025-09-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$7300.00}

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 explanation
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
I checked my most recent credit report and noticed an account I did not recognize, nor did I authorize. I have no contractual agreement with CREDIT COLLECTION SERVICES, this must be the result of identify theft. I notice unauthorized credit inquiries as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate credit reporting by XXXX XXXX XXXX  and the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Account Details Creditor : XXXX XXXX XXXX  Partial Account Number : XXXX Reported Balance : {$640.00} ( with {$120.00} past due ) Reported Status : Closed, yet still reporting delinquent Reported Limit : {$500.00} What Happened This account was closed by the credit grantor, yet it continues to report as delinquent with a past due balance.

Experian reports a 90-day late payment in XX/XX/year>, while TransUnion reports no 90-day late payments for the same account. Equifax shows inconsistent dispute notations. These contradictions prove that the information is not accurate across bureaus.

I previously disputed this account with all three credit bureaus. Each bureau responded with dispute resolved or reported by furnisher, but none provided any documentation from XXXX XXXX XXXX  validating the reported information. This fails the standard of a reasonable reinvestigation under the FCRA.

Because the account is closed, it should not be accruing late payment notations or showing as past due. This misrepresentation is materially false, misleading, and is considered fraudulent reporting.

Laws Potentially Violated FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information after being notified of dispute.

FCRA 623 ( a ) ( 5 ) : Improper reporting of the Date of First Delinquency.

FDCPA 807 ( 8 ) : False and misleading credit reporting in connection with debt collection.

Consumer Harm The fraudulent and inconsistent reporting of this account has : Lowered my credit score.

Reduced my access to fair credit and lending opportunities.

Created ongoing stress, as I am being misrepresented as delinquent on a closed account.

Requested Resolution I request that the CFPB investigate this matter immediately. Because this constitutes fraudulent reporting, I am demanding a full reinvestigation within 72 hours. Specifically, I request : Immediate deletion of the XXXX XXXX XXXX  account from all three credit reports. 

Confirmation that XXXX XXXX XXXX  and the bureaus cease reporting false or conflicting information. 

Enforcement of statutory remedies, including compensation of up to {$1000.00} per violation, as provided by 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 non-monetary relief
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate credit reporting by XXXX XXXX XXXX  and the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Account Details Creditor : XXXX XXXX XXXX  Partial Account Number : XXXX Reported Balance : {$640.00} ( with {$120.00} past due ) Reported Status : Closed, yet still reporting delinquent Reported Limit : {$500.00} What Happened This account was closed by the credit grantor, yet it continues to report as delinquent with a past due balance.

Experian reports a 90-day late payment in XX/XX/year>, while TransUnion reports no 90-day late payments for the same account. Equifax shows inconsistent dispute notations. These contradictions prove that the information is not accurate across bureaus.

I previously disputed this account with all three credit bureaus. Each bureau responded with dispute resolved or reported by furnisher, but none provided any documentation from XXXX XXXX XXXX  validating the reported information. This fails the standard of a reasonable reinvestigation under the FCRA.

Because the account is closed, it should not be accruing late payment notations or showing as past due. This misrepresentation is materially false, misleading, and is considered fraudulent reporting.

Laws Potentially Violated FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information after being notified of dispute.

FCRA 623 ( a ) ( 5 ) : Improper reporting of the Date of First Delinquency.

FDCPA 807 ( 8 ) : False and misleading credit reporting in connection with debt collection.

Consumer Harm The fraudulent and inconsistent reporting of this account has : Lowered my credit score.

Reduced my access to fair credit and lending opportunities.

Created ongoing stress, as I am being misrepresented as delinquent on a closed account.

Requested Resolution I request that the CFPB investigate this matter immediately. Because this constitutes fraudulent reporting, I am demanding a full reinvestigation within 72 hours. Specifically, I request : Immediate deletion of the XXXX XXXX XXXX  account from all three credit reports. 

Confirmation that XXXX XXXX XXXX  and the bureaus cease reporting false or conflicting information. 

Enforcement of statutory remedies, including compensation of up to {$1000.00} per violation, as provided by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint under the Fair Credit Reporting Act regarding multiple inaccurate addresses, late payments, and unauthorized inquiries appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without providing signed agreements, statements, or proof of notice. Reporting unverifiable late payments misrepresents my credit history and violates federal law. This item must be deleted XXXX XX/XX/XXXX Inquiry Issue Unauthorized inquiry Law FCRA 604 ( a ) applies Story I did not authorize XXXX to access my credit file. This inquiry is inaccurate and must be removed Final Statement Under FCRA 604 ( a ), 607 ( b ), 611, and 623 all addresses, late payments, and inquiries listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete all unverifiable or misleading entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I became XXXX XXXXXX/XX/XXXX I got on social services in XX/XX/XXXX last payment made to mortgage XX/XX/XXXX. XXXX XXXX, social services took over my mortgage from XXXX until. My mortgage company called me over and over I asked for them to send me a 1099 form 20 times so social services can issue the check. They sent the 1099 blank 3 times, than finally sent correct info with wrong date, they are falsely writing wrong info down. They're still calling me stating that I owe a ridiculous amount, I went to social services and they issued 6 checks on my behalf XX/XX/XXXX that they acknowledged when we spoke, but I received paperwork and they credit no payments from social services stating my house will be foreclosed when they intentionally gave false documents and there not crediting payments made and they added an attorney fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WI

Complaint narrative:
We purchased new homeowners insurance to be paid via escrow managed by XXXX and be effective XX/XX/XXXX. We received notice of non-payment and pending cancelation on XX/XX/XXXX from the insurance company. Our escrow account says the {$1500.00} payment was deducted from our account on XX/XX/XXXX. We were instructed to make a {$100.00} payment directly to the insurance company to put equity in the policy to prevent its cancelation. When I called XXXX, the mortgage company, I was informed payment was mailed XX/XX/XXXX ( three days late ), and that it was supposedly received but not cashed on XX/XX/XXXX. On a 3-way call with XXXX and XXXX XXXX XXXX, it was established that the check was lost. XXXX could provide a check number but could not provide proof of why they believed the check was delivered. They did agree it had not been cashed. XXXX then insisted that they would not issue a payment stop and reissue the check for at least 45 days, which would cause the policy to cancel. XXXX also said they would not reissue yet because my lost {$1500.00} payment was made as a group payment of {$5500.00}. I will also note that the insurance policy mailing address is listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Or XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX The Roundpoint representative on the phone informed me it was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX was told my only option to keep my insurance policy is to pay the policy either in partial for the 45 days or full and " try to get a refund if I hold on to the payment receipt '' after the 45 days lapse and hopefully new payment from escrow is made. I was also told my escrow account will not be refunded but after the 45 days I can try and call back to have payment reissued. They are still refusing to reissue the payment or return the funds to escrow. We paid the policy again on XX/XX/XXXX to ensure no lapse in coverage but have not received a refund or adjustment back to our escrow account. 

Thank you, XXXX XXXX XXXX XXXX Insurance Policy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I opened a BMO Relationship Checking account in response to a promotional offer for new customers. The offer stated that by opening this account, I could be eligible for a {$500.00} cash bonus. 

To receive the bonus, the terms and conditions required a total of {$7500.00} in cumulative qualifying direct deposits to be deposited into the account within 90 days of opening. The promotional materials explicitly defined qualifying direct deposits as regular income from sources like an employer or government agency. 

I successfully met this requirement on XX/XX/year>, well within the XXXX window. The terms of the offer specify that the cash bonus would be credited to the account approximately 100 days after account opening. 

It has now been more than 100 days since my account opening, and the {$500.00} cash bonus has not been credited. My account has remained open, in good standing, and with a balance greater than XXXX since its opening, as required by the terms. I have not received any communication from BMO explaining the delay or stating that I am ineligible for the bonus. I believe I have fulfilled all the necessary criteria to earn this bonus.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding an unauthorized transfer of funds by Truist Bank. On XX/XX/scrub> 2025, Truist Bank withdrew money from my XXXX XXXX investment account and deposited it into my Truist IRA account without my authorization. 
I received XXXX call from a manager at the Truist XXXX branch regarding this matter. I returned the call, but no follow-up communication has been provided. As a result of this unauthorized transaction, my XXXX XXXX account went into a negative balance, incurring fees and potential credit impact. 
I am requesting the following actions : Immediate return of the funds to my XXXX XXXX account. 
Full reimbursement for any fees, interest, or charges incurred due to the negative balance in my XXXX XXXX account. 
Confirmation that Truist Bank will take all necessary steps to prevent this from occurring again. 
This transaction constitutes an unauthorized and potentially illegal transfer of my funds. I request urgent attention and resolution, and I reserve the right to escalate this matter to federal regulatory authorities if it is not addressed promptly. 
Please provide written confirmation of receipt of this complaint and the steps being taken to resolve this issue. 
Sincerely, 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 2025-09-06 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Phone : XXXX | Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Improper Reporting of Closed and Charged-Off Accounts Without Validation -- - Complaint Summary : I am filing this complaint against XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Trident Asset Management XXXX XXXX XXXX, and XXXX  regarding improper reporting and handling of closed and charged-off accounts. 

Despite multiple disputes and requests for validation, these accounts have only been updated with remarks, not deleted. Under federal law, this is unacceptable and unlawful. 


-- - Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) I have the right to request original signed contracts or validation of any reported account. None have been provided by XXXX, XXXX, XXXX, or Trident. 

611 ( a ) ( 5 ) ( A ) If an account can not be verified, it must be deleted, not merely updated.

623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting inaccurate or unverifiable information. 



XXXX. Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Trident and any other debt collector must provide proper validation before continuing collection or reporting. No such validation has been provided. 





-- - Harm : The continued reporting of these unverified, closed, and charged-off accounts ( including XXXX, XXXX, XXXX, and Trident ) is causing serious damage to my credit score and financial opportunities. Updating an account instead of deleting it when no validation exists is a direct violation of federal law. 


-- - Requested Resolution : I demand the immediate deletion of all closed and charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX Trident Asset Management XXXX XXXX XXXX, and XXXX, as no original signed contract or validation has been provided. 

Remarks and updates do not meet the standard of validation under the FCRA or FDCPA. The only proper resolution is full deletion. 


-- - Attached : Sworn Affidavit ( Exhibit A ) Copies of dispute responses and bureau updates Complaint tracking log -- - Respectfully, -- - XXXX XXXX XXXX -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$780.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$780.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX 2030

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX BANK XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts and inquired I am not familiar with. I have asked the CRAS for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

Company response to consumer: Closed with explanation