vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
I am writing to formally dispute certain items on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that a thorough investigation be conducted regarding the following accounts and inquiries that appear on my credit report with the XXXX major bureaus : XXXX, XXXX, and TransUnion. 

Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX  CO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX AUTO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX FCU Date of Inquiry : XX/XX/XXXX XXXX BANK Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was a suicidal drug addict alcohol and I was going to be late on my credit card bill and I called them MULTIPLE times and told them I was suicidal and I was going to the hospital and I didnt know when I was going to be out. I was in the hospital/rehab/SLE which is still considered inpatient for 4 years and Wells Fargo specifically told me they would help me out since I was going to be hospitalized and I did not have a job and I was going to be immobilized for an uncertain amount of time. I called Wells Fargo all throughout my time at the hospital, then rehab, then half way house or sober living environment saying I was still suicidal and I didnt have a job or any food to eat. Wells Fargo was really nice about it but then I check my credit report last week and they completely lied to me and did not help me out and they did nothing. I was in the hospital and I told them before it was even due that I was going in and I left impatient 4 years later! I want that 3 1/2 year debt removed from my report. I was not in the public for any of that time or even before the credit card was due. Please remove that from my account. If you see my account thats the only thing wrong with my account I have been with you guys since 2014 and I love you guys. I am buying a car for my 30 birthday and youre false report is messing up my whole life. Please I was in the hospital the whole 3 and half years. Please remove it from my history 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 explanation
Consumer complaint received 2025-11-07 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 a consumer trying to fix my credit. Below are the details of the accounts I am disputing across the XXXX major credit bureaus ( Equifax, XXXX, and XXXX  ). I request an investigation into the inaccuracies, as detailed below. 

Charged Off : Bankruptcy : XXXX, XX/XX/year>, {$0.00} Late Payments : XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
In XXXX of 2025, I informed XXXX  that an unauthorized payment had been made from my account. They told me ( though not in so many words ) the account had been hacked. The user name, password, and attached phone number had been altered. XXXX  voided the unauthorized transaction. However, the hacker continued to have access to the account, repeatedly changed information -- -like the password -- -attached to the account, and made additional payments from it. I have spoken with a number of different XX/XX/XXXXemployees by phone and have exchanged nummerous emails with several others ( although the email recipients and writers may or may not be people ). I made numerous requests that XXXX  return the money to my account, permit me to transfer the money to my bank account, and permanently close the account. They did not comply with any of those requests. After more than XXXX months and recurring efforts to resolve the problem with XXXX, I have a " suspended '' account with a balance of {$140.00}. When the problem arose, my cash balance was {$1000.00}. Thus, XXXX  has been complely unresponsive to my repeated requests for assistance and allowed or facilitated theft of {$850.00} from me. Even now, I don't have access to the small remaining balance because the account is ( apparently permanently ) " suspended. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 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: LA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX XXXX XXXX and EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In XXXX my personal exemption of property taxes was approved by XXXX XXXX, AZ. I have repeated called ( about 6 times ) requesting NewRez Mortgage XXXX to adjust the amount they are taking from my bank account. I have spent hours on hold and talking to " Customer Service ''. 

Each time I talk to them I am given bogus information or lied to, I have repeatedly asked for a supervisor and no one is ever available. I am told my call will be " Escalated '' and if someone needs to talk to me they will call me. 

Only XXXX TIME did someone call me. That person claimed that according to the XXXX XXXX website my approval was not completed. I had ALREADY SENT THEM A COPY OF MY APPROVAL LETTER AND THEY ACKNOWLEDGED RECEIPT OF IT. IN ADDITION I WAS LOOKING AT XXXX XXXX WEBSITE WHICH CLEARLY SHOWS THE APPROVED EXEMPTION. 

On another call a representative said we had to wait for the new " bills from XXXX XXXX '' to be sent the first week of XXXX. 

I have repeatedly called XXXX XXXX office and they have told me the mortgage company is either confused or lying to me. 

This has to be illegal. New Rez has been taking out more money that needed but THEY WILL NOT ADJUST MY XXXX  PAYMENT ( ACTUALLY THEY INCREASED IT ) AND THEY WILL NOT ISSUE ME A REFUND. 

THEY WONT EVEN TELL ME WHAT MY PAYMENT SHOULD BE. 

THEY ARE TAKING ADVANTAGE OF VULNERABLE MEMBERS OF SOCIETY AND DEFRAUDING THEM. 

Meanwhile, the company is earning higher interest income because they are holding inflated funds. This is criminal. 

On the New Rez website in my account it shows no analysis has been done since 2020 on XXXX page, on XXXX page it shows my projected escrow requirement has gone down {$10.00} and on another page it shows I have a shortage of over {$1200.00}. 

This company is PLAYING WITH A XXXX PERSON 'S LIFE AND NOTHING THEY SAY CAN BE TRUSTED. 

It shouldn't take this long since the approval letter was sent in XXXX. It's now 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 2025-11-07 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX BANK XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$2800.00} Statement : These accounts are being reported as charged off, but I do not believe the information is accurate. I have not received proper validation of these debts, and I am requesting that Equifax verify the legitimacy, ownership, and balance of each account. If the information can not be verified, I request that the entries be deleted from my credit file. 

Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Statement : I did not authorize these inquiries with XXXX XXXX. I have not applied for any services that would justify these hard credit pulls. I request that Equifax investigate the source of these inquiries and remove them if authorization can not be proven. 

Late Payments in Dispute XXXX XXXX XXXX, Account No. XXXX XXXX XXXX, Account No. XXXX XXXX, Account No. XXXX Statement : I believe these late payment reports are inaccurate or unverified. I request a full reinvestigation and verification from the furnishers. If Equifax can not confirm these late payments with proper documentation, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
THIS IS MY SECOND COMPLAINT WITH EXPERIAN ON REPORTING MISINFORMATION AND MISLEADING INFORMATION ON MY CREDIT REPORT, 71 MONTHS IN A ROLL REPORTING CHARGED OFFS AND MANY OTHER ACCOUNTS LISTED IN EXHIBIT-A IN MY DOCS THIS IS A METRO-2 VIOLATION FCRA, MY FIRST COMPLAINT WAS ON XXXX WITH CFPB # XXXX AND EXPERIAN ON XXXX EXPERIAN RESPONED AND SAID THER WAS A UNAUTHORIZED THIRD PARTY THEY NEED ME TO AUTHORIZATION NEEDED TO PROCEED WITH MY COMPLAINT NO PHONE NUMBER LISTED TO RESPOND TO WHEN YOU CALL YOU CAN " T GET THROUGH IT IS ALL AUTOMATED AND THEY HANG UP IN MY FIRST COMPLAINT I UPLOADED MY DRIVER LICENSE, SS CARD, AND LAST BANK STATEMENT FOR PROOF OF IDENTITY SO I CALLED THE CFPB AND THEY SAID THEY NEVER SEEN THIS BEFORE AND TO FILE ANOTHER COMPLAINT WITH EXPERIAN THIS IS A STALL TACTIC ON EXPERIAN

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 2025-11-07 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 am disputing the following accounts and inquiries listed on my Experian credit report. I request an investigation into these items, and kindly ask for their removal or correction if they can not be verified. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-11-07 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: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 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: GA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-07 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 respectfully ask that you investigate these accounts, which were not authorized by me. They seem to be fraudulent, and I have included documentation to aid in your review.

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 2025-11-07 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 am submitting this dispute regarding the following accounts, which I believe to be inaccurately reported. The account details are listed below : CHARGED OFF : 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

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