vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
single company named XX/XX/XXXX, as XX/XX/XXXXis the abbreviation for XX/XX/XXXX a medical procedure. Wells Fargo has reported this as a company that can legitimize this loan transfer.The debtors selected for payoff and received payments on my and wife behalf we are disputing. The balance of the Mortgage before this loan was approved and executed by companies who originated this unnecessary loan.We have overpaid for this property by XX/XX/XXXX and we requesting this overpayment refunded.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America for furnishing inaccurate and inconsistent information to the consumer credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). The creditor is reporting the same account under two conflicting statuses one as Closed with a {$0.00} balance and another as Charged Off/Collection with a {$350.00} balance. These discrepancies create false and misleading information on my credit profile, directly harming my creditworthiness and financial reputation. 

Despite the account being reported as closed and paid with no past due balance in one report, another report reflects a charge-off status with a remaining balance, which is inaccurate and unverifiable. This dual reporting demonstrates noncompliance with the FCRAs accuracy and integrity requirements for furnishers of information. 

I am requesting that Bank of America conduct a full investigation into this matter, provide written verification of the true and accurate account status, and immediately correct or delete the inaccurate reporting across all three major credit bureaus ( XXXX, XXXX, and XXXX  ). The inconsistent data is misleading and constitutes a clear violation of the duty to furnish accurate information to consumer reporting agencies. 
BANK OF AMERICA , N.A . XXXX XXXX BANK OF AMERICA , N.A . 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year>, I was in XXXX and received a notification in my email saying that there was XXXX purchases made on my Best Buy Visa Credit Card on XXXX for a concert that same day. One purchase was {$280.00} and the other {$29.00}. As soon as I read the transaction alert I called Best Buys Customer Service to report that I didnt make the transactions. The lady on the phone cancelled my credit card and sent me a new one through mail and on the XXXX of XXXX they gave me a credit amount for both purchases. On XX/XX/XXXX they recharged the {$280.00} transaction again on the card and I didnt notice until the XXXX of XXXX. I called them back again letting them know and asking why and they said that I had to call back again on the XXXX and contact Customer Service XXXX XXXX. On the call with the Customer Service XXXX XXXX they told me that they recharged the transaction because XXXX shows proof of purchase. I explained to her that it wasnt me because I was in XXXX from XXXX XXXX and the purchase was made on XX/XX/XXXX. The lady told me she would send the proof of purchase that XXXX sent to them through the mail. On the papers of the proof of purchase it shows that only my first and last name and zip code were used but there was a different email address used for XXXX, the location of the event ( XXXX, Az ) and location of device ( XXXX, NC ) where not the same. I explained to the lady that it could not have been me since I was out of the country and the purchase was made in the U.S. and I dont have a Ticketmaster account and never had used XXXX XXXX I then contacted XXXX and they responded saying theres nothing they cant do about it since they won the dispute because the event already passed and told me now I have to take it up with Best Buys credit recovery/ The Customer Service XXXX XXXX XXXX I am contacting the CFPB to help me because I find this situation completely unfair.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
A payment was inadvertently sent from my account to an inactive/closed account that the recipient can not access. The recipient can not access the account to refund the payment and Venmo will not cancel the transaction. The money I sent is now lost to Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information that appears on my credit report and is causing harm to my creditworthiness. Specifically, I am disputing an unauthorized credit inquiry and incorrectly reported late closed accounts that appeared on my credit report without my consent or verification. 
Upon reviewing my credit report, I was surprised to find that XXXX accessed my credit file on XX/XX/XXXX. I have no recollection of granting permission for this inquiry, nor did I initiate any credit application that would justify such access. Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when there is a permissible purpose, and I did not give consent. I am formally disputing this inquiry and requesting its removal. 
Additionally, I noticed the following late closed accounts that are being reported inaccurately : XXXXXXXX XXXX ( Account No. XXXXXXXX XXXX ) showing a balance owed of {$0.00}. 
XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, with a balance owed of {$7700.00}. 
Both of these accounts are reported as late, despite being closed or reflecting no ongoing delinquency, which is misleading and damaging to my credit standing. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they report. The continued reporting of these unverified inquiries and inaccurate late closed accounts violates this requirement.

In addition, FCRA 611 ( a ) ( 15 U.S.C. 1681i ) mandates that a consumer 's credit report be reinvestigated if there is a dispute, and if the disputed information can not be verified as accurate, it must be removed.

Lastly, under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ), I have the right to obtain and review all records used to verify the information. I am requesting disclosure of any documentation, such as payment history, account statements, or signed authorizations, that prove I authorized the XXXX  inquiry or validate the accuracy of the late closed accounts. If no such documentation exists, these items must be removed immediately. 
XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Account No. XXXX ) - Date Opened : XX/XX/XXXX - Balance Owed : {$7700.00} XXXXXXXX XXXX ( Account No. XXXXXXXX XXXX ) - XXXX XXXX : {$0.00} XXXX - XX/XX/XXXX Thank you for your attention to this matter. I trust you will assist in ensuring that my credit report reflects only accurate, verified information, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information that appears on my credit report and is causing harm to my creditworthiness. Specifically, I am disputing an unauthorized credit inquiry and incorrectly reported late closed accounts that appeared on my credit report without my consent or verification. 
Upon reviewing my credit report, I was surprised to find that XXXX accessed my credit file on XX/XX/XXXX. I have no recollection of granting permission for this inquiry, nor did I initiate any credit application that would justify such access. Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when there is a permissible purpose, and I did not give consent. I am formally disputing this inquiry and requesting its removal. 
Additionally, I noticed the following late closed accounts that are being reported inaccurately : XXXXXXXX XXXX ( Account No. XXXXXXXX XXXX ) showing a balance owed of {$0.00}. 
XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, with a balance owed of {$7700.00}. 
Both of these accounts are reported as late, despite being closed or reflecting no ongoing delinquency, which is misleading and damaging to my credit standing. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they report. The continued reporting of these unverified inquiries and inaccurate late closed accounts violates this requirement.

In addition, FCRA 611 ( a ) ( 15 U.S.C. 1681i ) mandates that a consumer 's credit report be reinvestigated if there is a dispute, and if the disputed information can not be verified as accurate, it must be removed.

Lastly, under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ), I have the right to obtain and review all records used to verify the information. I am requesting disclosure of any documentation, such as payment history, account statements, or signed authorizations, that prove I authorized the XXXX  inquiry or validate the accuracy of the late closed accounts. If no such documentation exists, these items must be removed immediately. 
XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Account No. XXXX ) - Date Opened : XX/XX/XXXX - Balance Owed : {$7700.00} XXXXXXXX XXXX ( Account No. XXXXXXXX XXXX ) - XXXX XXXX : {$0.00} XXXX - XX/XX/XXXX Thank you for your attention to this matter. I trust you will assist in ensuring that my credit report reflects only accurate, verified information, as required by 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I received an alert that a collection was added to my credit report. I never lived at the XXXX XXXX or in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I had tried to sign up for a new cash app account. I had provided all the information that the app asked me such as name address dob social security number and photo ID information. I did not add any banking or debit card information. After submitting my photo ID it said that it could take up to 10 days to verify my identity. On XX/XX/XXXX I received an email from them stating that my identity couldn't be verified please try again. So when I clicked on Try Again and I log into Cash App I am greeted with a message that says my account has been closed for violating the Terms of the agreement. So it says if you wish to file an appeal to contact support. So I contact support and tell them that I am appealing their decision because I never violated any terms of service. The Cash App rep proceeds to tell me that I was basically being accused of fraud. However apart from that statement they couldn't provide me with any more information. Well I said being that I am accused of such a crime I think I have a right to know what exactly they are considering that I did fraudulently. All they responded and said was that they were going yo forward it to another department and that it could take 10 days to respond to me. How can a company come to such a determination on someone without providing them with the details of the accusation? All I did was enter my personal information and took a picture of my ID and a selfie. I never entered a debit or credit card or any banking information and I certainly didn't use the app for anything because they had to verify my ID. I just received my ID on XX/XX/year>. I feel like I have been discriminated against for no just cause and how exactly they came to their determination because I can back up everything that I submitted to Cash app. I feel I have a tight to know exactly what I'm being accused of. They have no value reason or anything to back up their accusation so they need to rescind their little accusation and open my account or provide me with facts and evidence behind their decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i asked for incorrect and erroneuos report information to be removed

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
We built our retirement home ( XXXX XXXX ) on a XXXX piece of property, while we were living at our family home ( XXXXXXXX XXXX ) on XXXX corner of the XXXX acres ... we didn't have the funds to fully finish our new retirement home. So we took a reverse mortgage, spoke to the HUD counselor, and they agreed to mortgage XXXX acres out XXXX the XXXX acres, which left over XXXX acre with our original family residence .. XXXX  years passed, ( now ) we were trying to get a home mortgage loan for some property and home improvements, the home on ( XXXX XXXX ) was/is free and clear with no leins .., during the process of the new loan we found a possible-'deed fraud ' and also deed of trust was, re-recorded to ( XXXX ) instead of ( XXXXXXXX XXXX ) this XXXX XXXX recorded XX/XX/XXXX which we sign with no dates, thinking, they were just making sure we were still living at ( XXXX XXXX ) that same doccument is also stamp- receive XX/XX/XXXX. We mortgaged over XXXX acres, and a survey was made ( which I have a copy of. ) to make sure how much property we were mortgaging. we didn't sign up to mortgage XXXX homes and all the XXXX acres. Somebody dropped the ball along the way, or just didn't care. Being old does not make you stupid!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before take legal action against this LVNV XXXX I have alerted them and the credit bureaus that these accounts they have on my report is NOT MINE. I never authorized any service with XXXX XXXX XXXX XXXX XXXX XXXX 

I am an XXXX XXXX military member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. this is very stressful and impacting my life stopping me and my family from getting our home and on the verge of being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Upon my return from serving overseas I noticed a letter about a debt accumulated while I was serving. This is not my 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
XXXX  marked my dispute as completed within about one hour of submission without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The account in question is a medical collection for a date of service when I was insured under SSDI ( Medicare/Medicaid ) . I provided valid proof of coverage showing that I am not responsible for this debt. XXXX  failed to review or forward my evidence to the furnisher and closed the dispute improperly. I am requesting a full reinvestigation, verification of my documentation, and removal of this inaccurate medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am submitting this complaint as my 7th follow-up to dispute inaccuracies that continue to appear on my credit report. Specifically, I have discovered that XXXX XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are being reported with late payments from XXXX to XX/XX/year>, including 30, 60, 90, and 120-day delinquencies. These reports are inaccurate and do not reflect my actual payment history.Despite my previous disputes, XXXX XXXX has failed to verify or correct this information, in direct violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these inaccurate late payment entries has caused significant damage to my creditworthiness. 
FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] mandates that a credit bureau conduct a reasonable reinvestigation when a consumer disputes an item on their credit report. The failure to properly investigate and correct these inaccuracies violates this section. 
FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] requires furnishers, such as XXXX XXXX, to correct and update inaccurate or incomplete data. XXXX XXXX has not fulfilled this obligation, continuing to report the erroneous late payments.These late entries, which are unverifiable and misleading, are damaging my credit score and should be removed or corrected immediately. I request that the CFPB investigate this matter and ensure that XXXX XXXX complies with its obligations under the FCRA by deleting or correcting the inaccurate late payment 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