vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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 2025-10-17 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-17 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Wells Fargo mortgage account was sold to a company by the name of XXXX XXXX. I was not notified at all by Wells Fargo. I found out that the loan was sold today XX/XX/year>XXXX  after I received an escrow review alert from my Wells Fargo phone app. I called the Wells Fargo mortgage line and they informed me of the new company name and insisted they mailed out a letter in XXXX. I informed them I never received said letter. The representative stated then it must have gotten lost in the mail. I asked did you send it as a certified letter to ensure the costumer was made aware of such an important change. To what the representative replied no, we sent it regular mail, but if you didnt receive it I can send the letter to your email. This is a complete disservice to customers. I wouldnt have known where to make payments had I not called to inquire about my escrow statement. As of today I have yet to receive any information from the new mortgage servicing company XXXX XXXX. I was not notified following the truth and lending act or the real estate settlement procedures act. The website for XXXX XXXX is managed by yet another different company called XXXX XXXX  which is even more confusing.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened this checking account many years ago and it was always waiving the monthly service fee since I maintain a minimum balance of {$1500.00}. A couple weeks ago I discovered I was charged monthly fee for 12 months with total of {$180.00}. After talking to Citibank agent they said I need to make deposit {$250.00} every month to avoid the fees. I NEVER EVER received any notification from regarding this term changed in any form of communication. Citibank only agreed to refund 5 monthly fees ( {$75.00} ) but refused to refund the rest 7 monthly fee ( {$100.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
U had applied for a loan ( installments ) for " XXXX '' service. They installments service was given through " Patientfi '' finance services. 
I had a 24 month no internet promotion- so I had automatic payments set up with Patientfi , which were working correctly until their system changed my auto-payment settings without my authorization or notice. In the month of XX/XX/year> they didn't charge me ; then changed it so i had to pay again on XX/XX/year> then they kept changing the payment charged evey month. As a result, the system failed to charge my account properly, and the company assessed an interest charge and/or late fee.

I contacted the company to explain that the issue was caused by their system, not by any missed payment on my part. Despite this, they have not corrected the error or reversed the improper charge.

I am requesting that the CFPB help ensure : 1. The company reverses the interest and late fees caused by this system error.

2. My account and credit record remain unaffected.

3. The company reviews and fixes any auto-payment glitches that may affect other consumers. 

Best Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am the victim of identity theft. 
In XXXX, a fraudulent XXXX Bank account appeared on myXX/XX/XXXXcredit report even though I never applied for, signed, or authorized any such account. This account was never reported to Equifax orXX/XX/XXXX at that time only XX/XX/XXXX. 

From XXXX through XX/XX/year>, I sent multiple certified disputes and formal XXXX Identity-Theft Block demands to both XXXX Bank andXX/XX/XXXX providing : My Police Report XXXX ( XXXX Police XXXX, dated XX/XX/year> ) FTC Identity-Theft Reports ( # XXXX and # XXXX ) CFPB Complaint # XXXXXX/XX/XXXXComplaint # XXXX XXXX Bank never produced any signed contract , original application, or account-level documentation. 
Despite that, XX/XX/XXXXreinserted the same fraudulent XXXX Bank tradeline after deletion without giving me the written notice and documentation required under FCRA XXXX ( a ) ( XXXX ) ( B ). 

After further escalation ( including CFPB andXX/XX/XXXX complaints ), XX/XX/XXXXn permanently deleted the XXXX Bank tradeline in XX/XX/year>, confirming that the account could not be verified. 

Immediately following that deletion, I received alerts from XXXX XXXX, XXXX, and my email notifications showing that XXXX Bank had begun reporting the same fraudulent account to Equifax an unlawful act of cross-bureau refurnishing that directly undermines FCRA XXXX intent and protections. 

On XX/XX/year> at XXXXXX/XX/XXXX, I spoke with an Equifax representative who confirmed the accounts deletion under Confirmation # XXXX, explaining that it would take approximately XXXXXX/XX/XXXX to reflect and that I would receive a written confirmation letter within XX/XX/XXXX days. 
I appreciate the professionalism and courtesy shown by the Equifax agent, but this incident confirms that XXXX Bank is continuing to furnish fraudulent information to different CRAs despite formal XXXX identity-theft blocks already on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-17 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-10-17 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: FL

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 2025-10-17 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:
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 2025-10-17 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Received letter that my cd would mature on XXXX and that Alliant Credit Union would automatically renew unless I instruct otherwise. On XX/XX/year>XXXX  I called just to advise that I did not want to renew after XXXX but that I wanted to leave the cd in place until that date to receive full interest. Instead, the agent ( XXXX ) moved the amount to a savings account I hold at Alliant. I became upset and demanded she put cd back in place ( again, to prevent loss of full interest ). I do not know what she did, but that amount then disappeared from my savings and that cd no longer appears at all under my accounts with Alliant Credit Union. Demanded a supervisor to rectify situation. Supervisor condescending told me it would take time for the back office to correct XXXX mistake. After demanding higher supervisor, XXXX promised to get it correct by end of day. That did not happen and today she is refusing to speak to me and telling me again to wait out today for results. That, being unsatisfactory to me ( as I am pursuing a purchase of a home and banker asking for proof of my funds to finance same and must show all amounts I have available ( and that cd amount that is now not showing is of utmost importance to be able to prove my capability of purchase! This issue is potentially going to ruin my opportunity to purchase unless corrected immediately. PLEASE HELP!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received emails from Wells Fargo saying an account had been opened in my name. I do not and would not bank with them. I figured it was a scam, forwarded the emails to Wells Fargo and deleted them. Then the next day I received emails saying a debit card was being mailed to my address and my balance was below XXXX. I read about the scandal where Wells Fargo was opening accounts in people 's names to meet sales quotas and immediately froze my credit. I then called them. They wouldn't tell me what activity has taken place on the account. They did say they would file a report and put a freeze on the account until they investigate but did not immediately close and delete it. Due to the government shutdown I can't file a report on the identity theft site. They said they will send a letter and that I'm not responsible but people should be aware this is happening again. Consumer data is the incredibly valuable and companies need to do more to prevent data breaches and protect consumer data.

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 2025-10-17 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: WA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX - A DEBT BUYER/ORIGINAL XXXX XXXX. XXXXXXXX BOUGHT A DEBT FROM XXXX XXXX. XXXX XXXX WAS PAID FOR THE DEBT OWED. I DO NOT OWE XXXX XXXX XXXX ANYTHING. I NEVER SIGNED OR COMMITTED TO THEM ANY DOLLAR AMOUNT. XXXX CAN NOT, AFTER BEING REQUESTED TO SHOW OR SEND BY ANY OF MY MANY WAYS OF CONTACT, ANY DOCUMENT WHERE I SIGNED ANY AGREEMENT WITH THEIR COMPANY. I'M ASKING FOR MY CONSUMER RIGHTS TO BE ACTIVE IN REMOVING THIS 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 2025-10-17 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:
XXXX XXXX XXXX # XXXX - A DEBT BUYER/ORIGINAL XXXX XXXX. XXXXXXXX BOUGHT A DEBT FROM XXXX XXXX. XXXX XXXX WAS PAID FOR THE DEBT OWED. I DO NOT OWE XXXX XXXX XXXX ANYTHING. I NEVER SIGNED OR COMMITTED TO THEM ANY DOLLAR AMOUNT. XXXX CAN NOT, AFTER BEING REQUESTED TO SHOW OR SEND BY ANY OF MY MANY WAYS OF CONTACT, ANY DOCUMENT WHERE I SIGNED ANY AGREEMENT WITH THEIR COMPANY. I'M ASKING FOR MY CONSUMER RIGHTS TO BE ACTIVE IN REMOVING THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its creation or utilization. Attached are the necessary documents to support my position.

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 2025-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Ok maybe at wrong web page but I have a second mortage and my insteest is lock in 11.125 % which no problem, My payment are total {$720.00} a month and there breakdown is Principal {$240.00} and interest is {$470.00} but I paid extra to apply to the principal payment of {$79.00}. But when I get the Mortage Account statement it has me paiding {$310.00} to principal and {$480.00} for insterest I call loadn depot and ask them why did my insterest payment go up. How I see it that it should been {$320.00} for principal and insterest should been {$470.00} not {$480.00}. Loan Depot total if I pay extra to the principal so insterst rate payment will change? I understand insterst is basic what you at the time not after you mkae a paymnent Please let know if this Loandepot is right

Company response to consumer: Closed with explanation