vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Not sure if this is homeowner 's insurance fraud or not. Also, ever sig my loan was transfer to Newrez my morgage payments have been increasing and it's getting harder and harder to pay. 
In XXXX of XXXX  I got a letter from Newrez letting me know that insurance is going up from {$5100.00} to {$5600.00} and then in XX/XX/year> I got another letter form them telling me insurance will now be {$5900.00}. Confused as to how a big jump from one ( 1 ) month to the next is. I should not jump up that much in one ( 1 ) month.

I am searching for another insurance company but everyone wants brand new roof, brand new pipes, brand new air conditioner unit. Plus a very very clean yard. I am XXXX yrs. old and I can not afford a lot or clean my yard every weekend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
BACK IN XXXX XXXX, AN XXXX XXXX ACCOUNT WAS OPENED IN MY NAME. AND THE LAST DATE OF ACTIVITY FROM THE EQUIFAX CREDIT BUREAU WAS XXXXXX/XX/year>. THIS HAS NEVER BEEN MY ACCOUNT AND IT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE NEVER HAD ANY KIND OF RELATIONSHIP WITH XXXX XXXX. THE AMOUNT OF THE COLLECTION IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: WV

Complaint narrative:
I was having an issue completing some verification steps on my Wise account and contacted their customer service via email. 

On XXXX XXXX, 2025, XXXX UTC I was told via email by " The Wise Team '' ( the customer support team of Wise Payments Limited 2025 ) the following : " In order to activate SSN verification you will need to create a transfer of XXXX XXXX value. Don't worry, you won't actually need to spend this money, just create the transfer. If you take the normal steps to create a transfer, you will be prompted to provide your SSN. You will then be able to cancel the transfer before paying for it. '' However, when I created the transfer, I was never prompted to provide my SSN. Instead, the transfer automatically completed without any prompt for me to " cancel the transfer before paying for it. '' There was a {$17.00} fee associated with the transfer. Since I obviously didn't want {$10000.00} transferred, I had to create yet another transfer to send it back to my bank account which cost me another {$1.00} so in total I lost {$18.00} for fees incurred for something I never wanted and only happened because their instructions were faulty. 

On XXXX XXXX, 2025, XXXX UTC I reported this issue to the Wise customer support via email and requested a refund for the fees incurred due to their faulty instructions. 

On XXXX XXXX, 2025, XXXX UTC they responded and told me to provide my banking information for the refund. 

On XXXX XXXX, 2025, XXXX UTC I responded with my banking information for the refund. 

On XXXX XXXX, 2025, XXXX UTC I was contacted by their support team and told that the fees were due to the bank transfer ( implying they now would not issue me a refund ). 

On XXXX XXXX, 2025, XXXX UTC I responded and explained that the transaction itself, and thus the fees, were only because of their faulty instructions in the first place and that I demanded a refund. 

On XXXX XXXX, 2025, XXXX UTC they responded with instructions to go to their complaint page and said, " For your {$17.00} you're requesting back please follow this link. Your more than welcome to file a complaint. '' I followed the link to their complaint page and their complaint page explained that the next step was to contact the CFPB. 

So this is me submitting my complaint to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have never given this company any permissible purpose or authorization to make a hard inquiry or report this account on my credit report. This is fraud and I demand that the account be removed immediately. I have never done business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I asked for this information to be removed in XX/XX/year> 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 2025-04-16 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: NV

Complaint narrative:
I asked for this information to be removed in XX/XX/year> 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 2025-04-16 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: GA

Complaint narrative:
On XXXX XXXX XXXX, someone withdrew money from ATMs in XXXX Georgia from my Wells Fargo checking account. Then proceeded to go inside and take more money out of my checking and savings. I told my girlfriend to go to the bank and tell them to stop this because its not me. They said they couldnt do it because I had to be there because it was my card being used. We sat down with a fraud specialist and made a claim. They closed our accounts and open new ones and I got a new debit card they credited the money back into the account in the 7 to 10 business days then on XXXX XXXX XXXX I received a letter saying they did their investigation and based on that the charges were made by me or somebody that had my permission and they would be taking the {$2200.00} back out of my account on 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 monetary relief
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
I have received notice that my identity has been involved in a breach multiple times including as an employee of the IRS. I have tried multiple time to dispute accounts that do not belong to me but they have remained. Including a utility service that shows a debt from XXXX I have been in the same home with the same utility providers since XXXX I have not established any other services and my services remain intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at TD AUTO FINANCE on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
On XX/XX/year>, a {$3200.00} ACH withdrawal was made from my checking account without my authorization. The payment was made to Lakeview Loan Servicing. 

On XX/XX/year>, I contacted the company and spoke with XXXX in the escalations department. I was informed that on XX/XX/XXXX, an agentidentified only by the initials XXXXmistakenly initiated this payment while working on the wrong account and/or without proper authorization. 

I never consented to this transaction, nor did I authorize any payments to be withdrawn from my account for this purpose. 

I am requesting a full refund of the unauthorized {$3200.00} withdrawal.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: OR

Complaint narrative:
Viking Client Services , LLC notified me they were collecting a debt owed on an XXXX rental car. I had previously called XXXX  about an intial letter sent by Viking ; XXXX said there was no damage on rented auto. And there wasn't ... on any XXXX rentals I have taken. Called XXXX... they have nothing on record. But now Viking sent this second lettter ( reference number : XXXX ) asking for {$2300.00}. Is this a SCAM? Senior SCAM? 
Upsetting! Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a Calvary Portfolio collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Calvary Portfolio would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
for many years now, I've been using my credit cards to purchase lottery tickets. I use the lottery processor that goes directly to the lottery so the store selling the tickets don't pay the processing charge. On XX/XX/year>, I received a text message about a charge to my card that I did not make. When I logged into my account, I saw the charge along with a Cash Advance Fee of {$10.00}.... I have another card with the same company that I used to buy tickets with a couple days ago and there was a cash advance FEE of {$20.00}. I never in my lifetime have taken a cash advance on anything. So I called the credit card company and asked about the Cash Advance Fees and was told it was for buying lottery tickets, that is a new charge with their company. I was not aware of this change and never received any literature or warning of it. I was also told that it accrues interest DAILY until it's paid for! If I didn't notice this, it would keep growing until my statement came in the mail at the end of the month! I called the lottery commission and they have no knowledge of charges like this. You can't get cash back from a lottery credit card processor. The store that sells the lottery has nothing to do with it. It is the CREDIT CARD COMPANY that has decided to charge lottery tickets and any form of casino gambling as cash advances. Due to the other unauthorized charge, I had both cards reissued with new numbers. These charges are outrageous and the consumer doesn't know about it until it happens! I wanted them to reimburse me for the cash advance fee and they said they would have to cancel the charge associated with it, which doesn't make sense, because you really can't return lottery tickets! I would like the money back for these charges along with interest, they are not fair and pretty sneaky.

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 2025-04-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: SD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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