vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-30 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
During my freshman year, I submitted an application for XXXX and received the financial aid. However, since then, I have not received any correspondence from EdFinancial regarding the due date for payments. Currently, Im in the process of refinancing private loans, which has negatively impacted my credit score. As a result, my loan has accrued a significant amount of interest without my knowledge. There was no communication, letters, or emails about this balance. I didnt even receive late or past-due notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: LA

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 : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX INQUIRIES : XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-30 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: TX

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 2025-07-30 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
I applied for a refinace in 2020. I found out recently that the current mortgage " XXXX XXXX  home mortgage '' couldnt be refinaced because it was paid off. I never received the mail or it never came to my house. This " refinace '' was a mortgage scam. My information ws exposed to several data breaches. Ans exposure to the dark web, which can be found on my credit reports. I have copies of my paid mortgage and cancelation with XXXX XXXX. After further investigation XXXX XXXX was not paid by the alleged refinancing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-30 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8800.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Data Mortgage Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX  regarding a forbearance request under the FHA XXXX Recovery Forbearance Program, as outlined in Mortgagee Letters XXXX and XXXX. I am currently not in default, but in imminent default due to a recent job loss. According to HUD guidance, I am eligible for this program without needing to be 60 days late. 

Despite this, XXXX placed me into the XXXX Unemployment Forbearance, a less appropriate option that I did not request. Since XX/XX/XXXX, I have : Emailed XXXX multiple times referencing the correct program by name, Participated in face-to-face video appointments, Called their office repeatedly, including direct contact with a supervisor, And submitted two CFPB complaints, which XXXX closed by falsely stating that I was placed in the program I asked for. 

I have clearly and repeatedly asked to be placed in the FHA XXXX Recovery Forbearance, which is designed for borrowers like me in imminent default. Instead, XXXX continues to stall, misstate program guidelines, and apply internal options that are not HUD-compliant. 

Their inaction has now pushed me deeper into financial strain and closer to actual default. I am requesting that XXXX be required to : Immediately remove the incorrect forbearance classification. 

Retroactively apply the correct forbearance under ML XXXX and XXXX. 

Correct their statements to CFPB and provide written confirmation of program compliance. 

Their continued mishandling of my case suggests a pattern of misinformation and noncompliance that must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: ME

Complaint narrative:
This complaint supplements and expands on prior submissions involving Rubin & Rothman , LLC. However, this filing is specifically focused on the individual attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX, who were each listed on the court summons served to me in XXXX XXXX XXXX, Maine. 

These attorneys are personally responsible for submitting a court summons that contains multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), including : Failing to provide a written debt validation notice as required under 1692g ( a ) Listing XXXX XXXX  as the creditor when the actual debt owner is XXXX XXXX Filing legal action without providing the mandatory 30-day dispute window before initiating suit Additionally, on XX/XX/year>, Rubin & Rothman sent a post-litigation packet containing recycled affidavit materials and a deceptive validation cover page that again listed XXXX XXXX as the creditor. This packet still failed to provide FDCPA-compliant disclosures and appears designed to obscure rather than clarify the debts legal ownership or the consumers rights. 

These attorneys are not just associated with this conduct they are named on the court filing and are responsible for overseeing or directly authoring the documents involved. The combination of misleading litigation and post-filing deceptive validation attempts constitutes a serious breach of both federal consumer law and legal ethics. 

I am requesting that the CFPB forward this complaint to appropriate enforcement bodies and ensure that XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. are held individually accountable for their roles in these ongoing violations.

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 2025-07-30 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:
I made a payroll check mobile deposit to Wells Fargo XX/XX/XXXX {$870.00}. On XX/XX/XXXX, the back reversed the deposit and deducted the amount from my checking account, claiming that I double deposited. While reviewing my bank transactions, from XX/XX/XXXX when I made the deposit to XX/XX/XXXX when they deducted the amount... nothing was listed as another deposit of the same amount, so there is NO double deposit of that payroll check initially deposited XX/XX/XXXX. 
I was left with XXXX balance for several days, can't buy gas and groceries, incurred fees for unpaid automatic payments from my account. 
I called to complain and explain XX/XX/XXXX, telling them that my account transaction shows NO double deposit of {$870.00}. They told me that it will be resolved in XXXX - 10 days. 
It is now XX/XX/XXXX - 14 days passed, I haven't received an explanation, the money was not returned. I called them to follow-up but the line keep disconnecting while waiting to be connected to the XXXX XXXX. 
Claims # 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is inaccurately reporting a closed/transfered XXXX  account ( XXXX ) as a negative item. This same account was removed from XXXX  and XXXX, and regulators have addressed disputes related to this account. Experians reporting is inconsistent, inaccurate, and harmful, and I can not access Experians online dispute portal because Experian still shows my old email/phone that I no longer control. 

Key facts : The Experian entry shows Transferred, closed with late marks in XXXX XXXX for an account opened XX/XX/XXXX and updated XX/XX/XXXX ( labelled XXXX ). 
The same account does not appear at all on XXXX  or XXXX  ; XXXX removed it from those bureaus after my regulator complaints. 
I previously disputed this matter with regulators ( Arizona Attorney General, Utah Attorney General, and the FDIC ). As a result of those actions, XXXX ceased reporting to two bureaus. Experians continued negative reporting is inconsistent with the other CRAs and with the resolution evidenced in my regulator correspondence.

Because Experian retains my former contact information, I can not log in to submit a direct dispute.

Why this violates the FCRA : 15 U.S.C. 1681e ( b ) Experian must follow reasonable procedures to assure maximum possible accuracy. Keeping a transferred/closed XXXX line as a negative tradelinewhile the other CRAs have removed itfails this standard.

15 U.S.C. 1681i ( FCRA 611 ) Upon notice of a dispute, the CRA must conduct a reasonable reinvestigation and delete or correct inaccurate data. Experian is on notice via this complaint and the attached documents.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. Experian should not continue to display negative status for a transferred/closed account that has been removed by the other CRAs following regulator involvement.

Harm : The inaccurate negative reporting depresses my credit standing and affects access to credit and pricing.

Evidence attached ( exhibits ) : A. Experian report pages showing XXXX as transferred/closed with late marks. 
B. XXXX  report ( no XXXX  entry ).

C. XXXX  report ( no XXXX entry ).

D. Arizona AG correspondence re : XXXX. 
E. FDIC correspondence re : XXXX 
F. XXXX statements/responses confirming status/transfer. 

Request : Please require Experian to ( 1 ) reinvestigate and remove the XXXX  tradeline entirely ( or, at minimum, ensure it reflects a neutral/closed status without any derogatory notations ), ( 2 ) correct my contact information so I can access my file, and ( 3 ) send me a written explanation of the reinvestigation and a corrected report to me and to any recipients of the inaccurate report.

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 2025-07-30 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Dispute of Unauthorized Transactions and Request for Immediate Investigation and Refund Dear Cash App Support Team, I am writing to formally dispute unauthorized transactions conducted through my Cash App account and bank account as a result of my phone being stolen. I believe these transactions were made without my knowledge, consent, or authorization, and I am requesting a full investigation and prompt resolution in accordance with the Electronic Fund Transfer Act ( EFTA ). 

On or around XX/XX/year>, my phone was taken without my permission. The individual responsible accessed my Cash App account and linked bank account to transfer funds from my bank to Cash App and then to their personal debit card. I did not authorize or initiate these transactions.

The details of the disputed transaction ( s ) are as follows : Transaction ID ( s ) : Date ( s ) : XX/XX/year> Amount ( s ) : XXXX and XXXX Recipient : XXXXXXXX XXXX XXXX Funding Source : pulled from my XXXX and deposited into a unkown bank account I discovered the unauthorized activity on XX/XX/year> and reported it within the required timeline to limit my liability. 
I request that you : 1. Launch an immediate investigation into the disputed transactions.

2. Provide written confirmation of the investigation process and timeline.

3. Issue a provisional credit to my account during the investigation, as required under federal law.

4. Ensure a full refund is issued if the transactions are confirmed to be unauthorized.

Attached are the relevant screenshots, transaction history, and any additional documentation available.

Please confirm receipt of this letter and notify me promptly regarding any additional information or steps needed from my end.

I appreciate your urgent attention to this matter. Failure to resolve this dispute in compliance with EFTA regulations may result in escalation
to the Consumer Financial Protection Bureau ( CFPB ) or other appropriate regulatory agencies.

Sincerely, XXXX XXXX i sent that email i notified cash app on the XXXX or XXXX what happened Put in a claim Requested information on the outcome did not receive it from them Pushed it back through today on the XXXX to the manger and now contacting cfpb Dates were on the XX/XX/year> Amounts XXXX and XXXX withdrawal to an unknown card and account not from any account I have ever banked with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
They said pin was wrong. then card was invalid. web site does not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief