vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: OH

Complaint narrative:
After breaking my lease in XX/XX/year>, I entered into agreed-upon terms with my landlord to pay off the remaining balance. Once we agreed on the payment plan, the landlord added a {$93.00} water charge without proper explanation. I sought clarification and attempted to pay the agreed-upon amount, but the landlord escalated the account to PDM, a third-party debt collector. 

On XX/XX/year>, I sent a written dispute to PDM requesting full lawful validation under FDCPA 809 ( b ), including : an itemized accounting of charges, documentation of the original lease and any amendments, evidence of prior payments, and proof of any claimed prior correspondence. I also requested that all collection activity cease until proper validation was provided. 

Despite my dispute, PDM attempted to collect the full {$3900.00} balance, including disputed charges, and reported the account to credit bureaus. PDM claimed to have sent prior validation, which I never received, and their actions misrepresented the debts validity. 

After filing disputes with XXXX  and XXXX, the account was deleted due to PDMs failure to provide lawful validation. PDMs continued collection attempts and reporting of unverified debt constitute violations of FDCPA 805 ( c ), 809 ( b ), 1692e and FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Around XXXX this morning I sent over a transfer from XXXX XXXX to my bank account Wells Fargo of XXXX. Before I made this transfer, I checked to see what was my balance and it showed XXXX ; which is the same balance I received this morning at XXXX via email. After the XXXX XXXX transfer my balance should have been XXXX instead my balance went up to XXXX which is incorrect. I went over all my transactions that I made and anytime I make a purchase the balance is taken out of my account immediately so I know how much I can spend. I have proof of emails of what my balance is Wells Fargo is stealing from me and I dont appreciate it. Also, this is not the only incident I have had with them

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The transfer value of the Citi Thank You Points has been downgraded by 30 %. I was not given any notice of the change. Had I received notice I would have redeemed the points before the change.

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 2025-11-19 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion and XXXX  continue to report a charge-off on my XXXX  account ( XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) with a balance of {$0.00} XXXX XXXX, which is completely inaccurate. The account has no outstanding balance, and I have never defaulted on it, yet both bureaus continue to mark it as a charge-off. 

I have disputed this account multiple times and provided documentation proving that the balance is XXXX and the account is current, but the bureaus continue to return generic verified responses. No meaningful Method of Verification ( MOV ) or supporting documentation has been provided to substantiate this charge-off. Reporting a charge-off that is not owed violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681 and 1681s-2, which require furnishers to report only accurate and verifiable information. It also violates 15 U.S. Code 1692j, which prohibits creditors from misrepresenting debts. The continued presence of this inaccurate charge-off is causing financial harm, affecting my creditworthiness, and creating unnecessary stress.

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 2025-11-19 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Several items on my report list inaccurate spelling of my name and addresses that are not associated with 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 2025-11-19 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-19 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: VA

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and late payments appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items for each bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Billing Dispute XXXX XXXX Credit Card Serviced by Comenity Bank Missing Payment History and Excessive Interest/Fees After Servicer Transition I opened an XXXX XXXX  credit card XXXX XXXX and used it legitimately for tire and auto services. The original balance was modest ( around {$350.00} {$400.00} ). Payments of {$43.00} per month were automatically debited from my XXXX XXXX  account without issue for several years. 
Sometime around XXXX, the original card issuer appears to have gone through bankruptcy, restructuring, or a transfer of the credit portfolio. During an approximate XXXX  month period, no payments were withdrawn, no statements were received, and it appears no payments were applied to the account yet interest and/or late fees continued to accrue. 
When billing suddenly resumed ( now serviced by Comenity Bank ), the balance had ballooned. Despite having paid a total of {$1300.00} ( verified from my XXXX XXXX  statements since XXXX, and additional payments prior to that ), my current Comenity statement still shows I owe {$1200.00}. 
Major issues : Comenity has only provided payment history dating back to XXXX. They have no records ( or refuse to provide records ) of payments made from XXXX through XXXX, even though my bank statements prove those {$43.00} debits occurred. 
The XXXX  month gap in billing/payment application during the issuer transition allowed interest and possible late fees to accumulate unchecked, turning a small original balance into over {$1200.00} owed despite years of consistent payments. 
I have already paid far more than the original purchases were worth, yet the balance remains unreasonably high due to missing payment credits and excessive interest/fees. 

I have placed a stop-payment on the recurring {$43.00} charge through my bank to prevent further withdrawals until this is resolved. 
I am asking the CFPB to require Comenity Bank to : Locate and apply all missing payments from XXXX, Recalculate the balance with proper credit for all payments made, Remove any late fees or excess interest charged during the servicing gap, Provide a complete and accurate payment history for the entire life of the account, Correct any negative reporting on my credit reports caused by this issue. 

I have bank statements documenting every {$43.00} payment since XXXX and am happy to upload them. 
Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 a formal dispute regarding inaccuracies in my credit report. The following accounts and information require review and correction. The disputed accounts are outlined below, separated by credit bureau : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$650.00} Late Payments : XXXX, Account Number : 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 2025-11-19 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My zelle account has been disabled for no reason. I spoke to the people over at XXXX  and zelle, and there has been no way for them to reinstate my account. This is a very important to me, as I use zelle for all of my money transferring transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Rosenberg & Associates Recovery Services
State: LA

Complaint narrative:
Received a phone call today from XXXX. This company informed myself and my husband that he was " preparing garnishment paperwork '' for a XXXX Credit Card that I took out in XXXX  and " you never paid a dime on it ''. The total was {$3800.00} with attorneys fees and they were willing to take a cash settlement of {$1900.00} but only for the next XXXX hours. If we did not call back to accept this, they would proceed with garnishment. We told them that I have never taken out a XXXX Credit Card and we believe this to be a fraudulent account. He then began berating my husband and calling him a " XXXX liar ''. I work in a hospital and gave them permission to speak to my husband, which they accepted. Then when my husband kept saying it was a fraudulent account, he kept cursing at him. My husband said " In all these years, we have received no documentation from XXXX  until now and it has never been on a credit report ''. He stated that legally that can be removed from the credit report. The company is Rosenberg and Associates LLC. The gentleman then stated " well you don't know what you wife would do behind your back ''. He demanded to talk to me and told my husband " I don't want to deal with you anymore because you are a XXXX ''. He hung up and will not take any more calls. He tried to say that written communication was sent to an old address. We forwarded our mail for XXXX  months. We received nothing at the old address or our new one. Please advise. This debt is not ours. Someone has opened it in my name.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year>, I used the US Bank Bill Pay service to issue funds to my neighbor ( a person I know ). I have screen shots of that request, showing the correct name the funds were to be issued to. The check eventually cleared my bank, but the name on the check was a different name, someone unknown to me. Upon questioning, US Bank opened a fraud investigation. They denied the claim, stating that the check must have been " stolen '' and " washed ''. However, it is out perspective that the reason Bill Pay is offered, is because it is advertised as secure from this. Upon requesting the documentation they used to reach their conclusion ( which they state I can do via their letter to me ), I received a form in which I was supposed to obtain the signature OF THE FRAUDULENT NAME. i.e. the person they claim " stole '' the check. This both impossible and unreasonable ( as a thief would be unknown by me ). I responded to that, via letter, stating such. They then sent me mail that they could not pursue the claim without this information. I again called them ( as the number they provided ), requesting the documentation they used to reach their conclusion. Nearly 1 month later, I have received nothing. So, US Bank isn't standing by their product ; someone at US Bank continues to request that I obtain a signature from some unknown person ; US Bank has not responded with the documentation request ( after 2 tries ).

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 2025-11-19 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
I requested an XXXX  home retention review with HomeLoanServ for my XXXX  mortgage ( Loan # XXXX ). I submitted my complete packet before the new XXXX  guidelines took effect on XX/XX/year>. HomeLoanServ failed to process my application in time and is now denying all loss mitigation options because I have only made 3 payments and the new guidelines require 4.

The servicers failure to process my packet before the rule change is now being used against me. I should not be disqualified due to the servicers delay. 

HomeLoanServ also incorrectly stated that I am not in imminent default, despite my financial hardship and inability to maintain payments without assistance. They refused to offer any alternative options such as exception review, imminent default evaluation, or escalation. 

This has placed me at risk of losing my home despite complying with all requested documentation. 

What I want : Immediate escalation of my loss mitigation review.

XXXX  Exception Review because packet was submitted before the rule change.

Imminent Default evaluation. 
Pause on all collection or foreclosure activity. 
Written explanation of why my packet was not reviewed before XX/XX/XXXX. 

I am simply trying to retain my home and follow XXXX loss mitigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

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