vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo continues to withdraw and add fees to my account as of XX/XX/year> Wellsfargo has withdrew a XXXX XXXX monthly service fee from my account since I had this account i never paid a monthly service fee in that amount or no other amount so it has my account in a negative balance this is frustrating and a hardship to the point of me not gon na add or deposit anymore money into this account

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: WI

Complaint narrative:
I requested the company provide written verification from the XXXXXXXX XXXX XXXXXXXX of the XXXX  appearing in my file XXXX  times between XX/XX/XXXX and XX/XX/XXXX. They have not responded to my request or indicated that they have investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MOHELA
State: WI

Complaint narrative:
I have signed up twice for auto pay and I keep getting past due payment notices. There is no reason that this is so complicated with this business. I am sure I get added costs due to their lack of competency!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I requested multiple times to look into this matter and I dont get no response or call back.

The 2 companies I requested is : - Genesis Credit Management LLC - XXXXXXXX XXXX XXXXXXXX XXXX As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt.

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you. I need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
2 late payments are showing on my XXXX XXXX account XXXX. The late payments were due to information that was breached from the CRA and my banking account was compromised that made payments to this account. I tried several times to make the payments but it kept coming back from my XXXX XXXXXXXX banking account as insufficient. The XXXX XXXXXXXX account was compromised therefore making it unable to successfully submit payments. After the XXXX XXXXXXXX account was investigated and fund restore all payments were made to XXXX XXXX and XXXX XXXX even removed late payment fees. Iam requesting that these late pays ( derogatory info ) been reported to the CRA because of this one time event that was not my fault. The CRA compromise was a national issue which now is represented with fraud alerts on all my accounts. Thank you in advance for having these late pay reporting taken off of my reports it is causing hardship for me in applying for a home mortgage.

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 2025-05-25 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:
2 late payments are showing on my XXXX XXXX account XXXX. The late payments were due to information that was breached from the CRA and my banking account was compromised that made payments to this account. I tried several times to make the payments but it kept coming back from my XXXX XXXXXXXX banking account as insufficient. The XXXX XXXXXXXX account was compromised therefore making it unable to successfully submit payments. After the XXXX XXXXXXXX account was investigated and fund restore all payments were made to XXXX XXXX and XXXX XXXX even removed late payment fees. Iam requesting that these late pays ( derogatory info ) been reported to the CRA because of this one time event that was not my fault. The CRA compromise was a national issue which now is represented with fraud alerts on all my accounts. Thank you in advance for having these late pay reporting taken off of my reports it is causing hardship for me in applying for a home mortgage.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
2 late payments are showing on my Wells Fargo account XXXX. The late payments were due to information that was breached from the CRA and my banking account was compromised that made payments to this account. I tried several times to make the payments but it kept coming back from my XXXX  XXXX banking account as insufficient. The XXXX XXXXXXXX account was compromised therefore making it unable to successfully submit payments. After the XXXX XXXXXXXX account was investigated and fund restore all payments were made to Wells Fargo and Wells Fargo even removed late payment fees. Iam requesting that these late pays ( derogatory info ) been reported to the CRA because of this one time event that was not my fault. The CRA compromise was a national issue which now is represented with fraud alerts on all my accounts. Thank you in advance for having these late pay reporting taken off of my reports it is causing hardship for me in applying for a home mortgage.

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 2025-05-25 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 discovered that Equifax is reporting two accounts inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX : Late payments are being reported for this account that I strongly believe are in error. Ive never been shown documentation proving I was ever more than 30 days delinquent. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers and credit bureaus must ensure the accuracy of reported information. I submitted a formal dispute, but Equifax provided no validation or supporting informationjust a generic response that the information was verified. That is not in compliance with FCRA. 

XXXX XXXX : This is an account I do not recall ever opening or authorizing. I asked Equifax for proof of my association with this account ( application, statements, communications, etc. ), but received no documentation whatsoever. Equifax can not continue to report data that can not be substantiated under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I recently contacted you regarding this zombie 2nd mortgage and since my attorney who quit the firm told me to sign the forbearance which I did reluctantly I have had a huge issue trying to get statements and balance on my account. I was charged XXXX for charges that did not belong on my account. I contacted the firm I hired XXXX XXXX XXXX to reopen and these charges were fraud and Real Time Resolutions Attorney XXXX XXXX agreed as well. Still no contact from RTR or there Attorney. Spoke with a Ms Clark told they dont send statements. Where is my money going??? I contacted State Attorney as well. There are multiple people dealing with exact issue with this theft ring. I want to stop paying but afraid of foreclosure. I spent XXXX on attorney fees and still no answer from RTR. Can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: WI

Complaint narrative:
I requested verification and correction of the XXXX XXXX XXXX appearing in my file XXXX  times between XX/XX/XXXX and XX/XX/XXXX. I asked them to verify the record with the XXXX XXXX  XXXX. They have not provided me with verification or if they even attempted to verify the information.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had account through chime banking online they let someone change my password and email address and then 2 weeks back to back they allowed someone to take XXXX out of account and then proceeded to lose my XXXX and say I did something fraudulent and not return my money and then closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: WI

Complaint narrative:
I WAS APART OF IDENTITY THEFT AND SEVERAL DATA BREACHES AND DUE TO THIS MY CONSUMER REPORT HAVE BEEN TAKEN ADVANTAGE OF AND THE RESULT OF IT HAVE CAUSED FRAUDULENT AND UNKNOWN ACCOUNTS TO BE REPORTING TO MY CONSUMER REPORT. BY LAW MY REPORT SHOULD BE PROTECTED AND ACCURATE. THE CREDIT BUREAUS ARE NEGLECTING THIS LAW. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS SO I CAN BUY MY FAMILY A HOME. PLEASE HONOR THE FAIR CREDIT REPORTING ACT 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 2025-05-25 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed b

y 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting servi
ces with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I 1st went to US Bank XX/XX/XXXX to pay {$37.00} the bank said I owed on acct ending in XXXX which was included in XX/XX/XXXX XXXXbankruptcy. I did not include USBank when I filed because there was no need to. I was1st told it was a charge off and this account was later included in the bankruptcy, but it should not have been. I was told I owed {$37.00} to the bank. So, I paid it after making phone calls to find out why was this account for only {$37.00} was included in a XXXX bankruptcy or charged off. After repeatedly calling trying to clear this account. I was also told I had to bring someone with me to help prove my identity. I waited a while and went to the bank and spoke with a teller and told her why I was there. I was put in touch with a banker and told him/ her why I was there. I paid via their money order {$37.00}. My former account ending in XXXX was left with a {$0.00} balance. But, later after going to the bank on XXXX, XXXX, XXXX to open another account I was refused an account and was given a letter by a banker indicating I had a balance owed to the bank. I called the number and it was to the account recovery and they checked by name and account number ending in XXXX and was told there was no balance owed and there was nothing with check systems although I had already checked with them. I went back to the bank again on XX/XX/XXXX still trying to open a checking account. After filling out the necessary paperwork and attachments, the banker printed out the same letter indicating I owed an outstanding balance to US Bank. I was given the same letter as before that I owed an outstanding balance to US Bank. After this attempt I decided to contact your organization for 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 non-monetary relief
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am writing to file a formal complaint and demand the permanent deletion of all student loan accounts being reported under my name by the U.S. Department of Education and its loan servicer, XXXX. This request is based on the recent publicized data breach involving the Department of Education, in which sensitive personal data connected to federal student loans was compromised during what has been described as the DOE/Doge cyber event.

As a borrower, I did not authorize or consent to the sharing, transfer, or public exposure of my personal, financial, or loan data. The breach not only compromised private information but violated my fundamental rights to privacy and data security. This incident has permanently undermined the legitimacy, accuracy, and confidentiality of the data being used to service and report my student loans.

This complaint is based on the following facts : My student loan data was maintained by an agency that was breached and linked to politically motivated cyber activity.

There is no public or private assurance that my specific loan or identifying information was protected from this breach.

No signed agreement exists authorizing the dissemination of my personal data in a manner that exposed it to cyberattack or third parties.

Continued credit reporting based on compromised or unverifiable data is a violation of the Fair Credit Reporting Act ( FCRA 1681i ).

I am now experiencing emotional and financial distress over the security of my data and the integrity of the records used to maintain my credit.

As such, I am demanding the following actions be taken immediately : 1. The permanent deletion of all Dept. of Education/XXXX-related student loan accounts from all consumer credit reports ( Experian, Equifax, and TransUnion ).

2. Written verification from the Department of Education that my personal and loan data was not involved in the breach or an admission if it was.

3. A complete halt to all reporting and collection activity tied to any accounts affected by the breach.

This request is made under the authority granted to me by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Privacy Act. Any failure to properly safeguard my data or continued reporting based on tainted information constitutes grounds for deletion and federal enforcement. 

I respectfully request that the Consumer Financial Protection Bureau initiate a full investigation into this matter and take immediate steps to ensure my student loans are permanently deleted from all credit reporting databases due to the breach and privacy violation.

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 2025-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Summary : Improper Medical Debt Collection on a XXXX XXXX XXXX Apex Asset Management is attempting to collect on a disputed XXXX XXXX related to a XX/XX/XXXX procedure at XXXX XXXX, for which my insurance company ( XXXX ) and medical provider both acknowledged billing errors. The claim ( ID # XXXX ) was billed incorrectly and has been under insurance review for nearly a year. 
Despite repeated assurances from XXXX, XXXX, and even Apex that the account was on hold and would not proceed to collections, I received a collections notice in XX/XX/XXXX. 
On XX/XX/XXXX, I was on a three-way call with XXXX from XXXX and XXXX from Apex ( Ref # XXXX ). XXXX confirmed the billing was incorrect and gave proper codes ( XXXX, XXXX ). Aura assured me the account would be sent back to XXXX and that I did not need to worry. 
On XX/XX/XXXX, I was contacted by Destiny at Apex, who falsely claimed that XXXX confirmed I owed the full amount based on a supposed call on XX/XX/XXXX. On XX/XX/XXXX, XXXX confirmed no such call occurred, proving that Apex misrepresented communications with my insurer. 
Destiny refused to place the account on hold or transfer me back to XXXX, even after being asked multiple times. 
This collection is being pursued despite the debt being actively disputed, causing emotional distress and preventing me from receiving further care. Ive missed XXXX XXXX treatments due to fear of financial harm from an incorrectly billed procedure. Apex has provided misleading information and failed to follow through on promises made. 

What I Am Requesting : That Apex immediately ceases collection activity That this debt is removed from their system and not reported to credit bureaus That CFPB investigate the misrepresentation of communications and failure to honor the dispute status I can provide documentation, names, dates, and references for all calls and events if needed. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation