vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This mortgage was created based on the current value not on what was owed at the time of signing which was {$60000.00} not {$190000.00}.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to urgently address a wrongful fraud claim that has been placed against my account, which has led to severe and unjust consequences for both myself and my business partners. 

Recently, I received a legitimate wire transfer into my account as repayment for funds that were owed to me. After receiving and responsibly using a significant portion of these funds, I was shocked to discover that the funds were being recalled without warning. Not only were the funds I had already used being pulled back, but wire transfers I sent out to third parties were also being reversed due to an alleged fraud claim against me and my company. 

To this day, I have not been informed of the nature of this fraud claim, and I have no knowledge of any fraudulent activity associated with these transactions. What is even more alarming is that these reversals have caused the recipient accountsbelonging to my clients and business partnersto be flagged and frozen, putting their accounts at risk of closure. These are upstanding individuals and legitimate businesses who now face serious consequences through no fault of their own. 

I have reached out multiple times to both my banker and the banks back office in an effort to understand the situation and explain that I did not file any fraud claim. Furthermore, I am not involved in any fraudulent activity. I am urgently requesting that BMO contact the receiving banks to inform them that these transactions are not fraudulent, and that the fraud claim should be rescinded immediately. 

This situation is affecting not just me, but numerous businesses and individuals who rely on these funds to operate. Without swift correction, many innocent parties could suffer lasting harm. I implore you to take immediate action to correct this error and help prevent further damage. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX Phone : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
Dear CFPB Team : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : 1- Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX / Open XXXX XXXX XXXX Balance : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open : XXXX XXXX Balance : {$4600.00} As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
XXXX is inaccurately reporting a 30-day late payment on my account to XXXX  for XX/XX/XXXXXXXX  and to XXXX  for XX/XX/XXXX. These late marks are not only false, they are legally indefensible under multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The account in question is open, active, and listed by both bureaus as Paid or paying as agreed with {$0.00} past due. My payment history is otherwise consistent, and I have never received any written notice of delinquency prior to these negative entries. In fact, XXXX contradicts itself by simultaneously showing Pays account as agreed and a 30-day delinquency which defies the legal standard of accuracy and consistency.

This violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s2 ), which prohibits furnishing information to a consumer reporting agency that is known to be inaccurate or misleading. Additionally, FCRA 623 ( a ) ( 7 ) requires a furnisher to provide written notice to the consumer before reporting any negative information to a credit reporting agency. I never received such notice from XXXX. 

The reporting also fails to meet the reasonable procedures to assure maximum possible accuracy standard required of consumer reporting agencies under FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ). 

Because the alleged delinquencies are unsupported by the account data which shows {$0.00} past due, current payment status, and no verified documentation of default I am demanding immediate correction. I request the CFPB enforce a full reinvestigation under FCRA 611 ( a ) ( 15 U.S. Code 1681i ) and require that XXXX remove the 30-day late marks from both XXXX  and XXXX. This information is harming my credit profile without justification and must be corrected in accordance with federal 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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Bridge IT, Inc.
State: VA

Complaint narrative:
This is about a canceled subscription from BRIGIT. On XX/XX/year>2023, I got a confirmation email that they will not longer charger me {$9.00}. However they keep on charging me that amount till date. See screenshot of email and my bank transactions. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I went into to purchase a XXXX XXXX XXXXXXXX at XXXX XXXX XXXX In XXXX Florida. Upon arrival I was denied the transaction of the vehicle. Instead, I was offered a XXXX XXXX XXXX, I took it without having driven it. I paid {$1000.00} down and waited three days for the car to be delivered. Two weeks after having the car, it began running hot. After closer evaluation of the documents, I learned that the contract stated an incorrect down payment amount of {$1500.00}. While attempting to resolve the above engine issue, the dealership suggested a fraudulent warranty purchase to cover repairs. The car was returned to the dealership, and the finance company ( Mid Atlantic Finance, XXXX FL ) was notified and complaints were filed with no resolve. I feel that the lack of integrity in this transaction is alarming. The purchase was fraudulent from the beginning to the end. The dealership refused to sign an cancellation of sale, refused a refund,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I was a XXXX  of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX new company now is saying I have made 3 late payments but I have transaction history that shows I am on automatic payment and never been late, first dispute trough credit reporting agency notes said they had approved the claim and would fix it how ever they have not yet fixed 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
XXXX from Structured Settlements has repeatedly called my employer after I told her not to do so she told me over the phone that she can call them if she wants and I asked for her not to and she has repeatedly called them since. I work at a bank and my hr is becoming aware of this issue now may affect my employment because of her. This is a form of harassment that now has significant implications on my work and potential of being able to pay back this debt.

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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX located in XXXX, XXXX has a total of 5 unauthorized inquires on my credit report. I have never applied for credit with this merchant. This is incorrect reporting information and according to the FCRA, incorrect/inaccurate. The merchant has continually over the years ran my credit. This information needs to be corrected.

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 2025-05-20 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: TN

Complaint narrative:
This complaint is in regard to Experian failure to properly verify, correct, or remove inaccurate, outdated, and unsubstantiated information on my consumer report. Despite a formal dispute submitted, Experian has continued to report : Incorrect personal information including the following addresses and inquires below. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX which are no longer valid public records with no proper method of verification provided and Experian has not removed or justified it. My original letter requested tangible, verifiable evidence confirming the legitimacy of each item in accordance with : FCRA 611 ( 15 U.S.C. 1681i ) FCRA 604 ( 15 U.S.C. 1681b ) Metro 2 and CDIA/CRRG compliance standards Experian has not provided a timely response or documentation validating the continued reporting of any of these items. Their failure to correct or remove the information within the required 30-day period after my dispute constitutes willful noncompliance and violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ).

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 2025-05-20 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: KY

Complaint narrative:
Within my report with EQUIFAX company, they made XXXX inquiries that I don't recognize, which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Im writing about a tradeline thats showing on my credit report. The way this account is being reported is not fully accurate, and it doesnt meet the standard of maximum possible accuracy thats required under the Fair Credit Reporting Act.

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 2025-05-20 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: TX

Complaint narrative:
I was a XXXX  of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputing accounts over the years, including two bankruptcies collections Miss payments and other between XXXX and XXXX and they have failed to give me investigation records and incorrect information for my credit report. They then sent me a letter saying that they were unable to locate a credit file and their database with the identification information I required however reading this letter they have put my full name XXXX XXXX XXXX on the paper when I didnt even provide that to them so they have my credit file they have everything they need to investigate. Please see attached document.

Company response to consumer: Closed with explanation