vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX XXXX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



XXXX - XXXX XX/XX/XXXX - Balance {$12000.00} Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

FTC, A signed affidavit of identity theft ( if required ) - My Social Security Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law.

Thank you for your immediate attention to this very urgent matter. 



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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Credit Bureau Representative, I am writing to dispute several fraudulent accounts that appear on my credit report as a result of a recent transaction data breach. I was the victim of identity theft and unauthorized use of my personal information. The following accounts were opened or reported without my authorization : XXXX XXXX  ( Account Closed ) XXXX XXXX ending in XXXX Chase Freedom Unlimited ending in XXXX I did not open, authorize, or have any involvement with these accounts. I have reason to believe my personal data was compromised and used fraudulently. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting : 1.Immediate investigation and removal of all fraudulent accounts from my credit file.

2.Blocking of any information that resulted from identity theft.

3.Notification of the results of your investigation within 30 days, as required by law.

Enclosed are copies of my government-issued ID, proof of address, and a written statement describing the fraud for verification purposes.

Please send confirmation once the investigation and deletions have been completed. I would appreciate expedited handling, as these accounts were the result of a verified breach and continue to impact my credit unfairly.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX MoneyLion Inc . 
[ Collection Agency Address ] Subject : Debt Validation Request Account # XXXX Dear MoneyLion Inc., This letter is sent in response to an entry appearing on my credit report from your company. Please be advised that this is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
I am not refusing to pay ; however, I request that you provide proper documentation verifying that I am legally obligated to pay the debt you claim. Specifically, please provide : 1. The name and address of the original creditor.

2. The original account number and the date the account was opened.

3. The date of last payment and an itemized balance, including all fees and interest.

4. A copy of the original signed contract or agreement with my signature.

5. Proof that your company has been legally assigned or purchased this debt and has the right to collect in my state.

Until such documentation is provided, please cease all collection activities, including reporting to any credit bureaus, as doing so without proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide the requested information, please remove the account from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX  immediately and confirm in writing that you have done so. 
Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
In the closing process XXXX XXXX XXXX XXXX XXXX asked for banking information such as Accounts and passwords. I'm aware they can see my accounts which is illegal. On XXXXXXXX XXXX XXXX a tree fell on my house during a storm. I contacted my insurance company and they issued a hard check to both myself and XXXX XXXX. XXXX XXXX wanted me to sign it over and they would reimburse me for the repairs as they were completed and I said no. They eventually agreed to giving it to me and we all went forward. XXXX XXXX the insurance company has issued out at least XXXX checks since then. XXXX XXXX XXXX saying they spelled the name wrong and wont endorse it. I tarped the roof and removed the tree. The AC condensor outside was damaged. I paid to have it partially repaired. The ceiling fell in 3 months ago because the tarp was XXXX faded and the next storm dropped my entire ceiling. I put that back up. I had to rent a place because it was unlivable. I told XXXX XXXX and XXXX from XXXXXXXX XXXX this. No adjuster came out to look at my ceiling. I missed 2 payments because I cant afford it all. XXXX XXXX will not help at all and at this point want to foreclose. I did nothjing wrong and paid for loss insurance and cant use it. Help Please

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
Clover XXXX XXXX XXXX I have called 4 times. We had our rewards system stop working XX/XX/XXXX. We were told all four times since then, that engineering team is working on it and it was a system wide issue. I looked out at their outage website and the problem was not listed.

Even today I checked again and it was not listed as an issue. I have talked to several employees. I was given three different case numbers and was told that within 24-48 hours someone would follow up with me and that has not happened. I called acting like a client concerned about my save rewards points, there was not a line for that so I had to call sales. Talked to someone on the sales team and let me know there is no outages of that sort and that there has not been. I was given the wrong number for the rewards team - a phone number not even tied to clover. It was tied to XXXX. 

I talked to a supervisor today and was told there was no one else to talk to as he and other supervisors were the only option. I still did not get an answer as to why the systems are down & why I cant get any of my clients data. This has affected business as clients have saved points to use towards their services. I cant even see past points to try to give them a manual discount.

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 2025-10-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXX, I entered Wells Fargo Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX. I spoke with the XXXX on duty ( XXXX XXXX ), he was presented the original XXXX XXXX XXXX document that included the account number, the depositor 's name ( myself ), the year purchased ( XX/XX/XXXX ), state of purchased ( XXXX  ) and sum amount of ( XXXX ). XXXX XXXX proceeded to look up account number/depositor 's name in system, but search was unsuccessful, he then phoned a representative for additional assistance, unfortunately, the search did not produce any information. XXXX XXXX informed me that after XXXX  years any unclaimed funds will be transferred to the States Department Revenue. He recommended that I phone the XXXX  Department of Revenue because the XXXX was purchased in XXXX. In response to XXXX XXXX suggestion, he was informed that I had previously contacted the Revenue Department in Georgia but there were no records found that referenced the depositor 's name ( Myself ) or account number. XXXX XXXX and I also discussed the merger of banks ( XXXX XXXX XXXX and Wells Fargo ) between XXXX & XXXX because the purchasing bank of the CD was First Union XXXX He then suggested I speak to XXXX XXXX XXXX, Branch Manager on the next day. On XX/XX/XXXX between XXXX & XXXX I spoke to XXXX XXXX XXXX she researches her system for the account/ depositor 's name however, there was no information available, she phones a representative for additional help, no records were found. She then recommended I call the XXXX  Treasury Department of Revenue to inquire about the unclaimed moneys. I phone the Revenue Department of XXXX  and there were no records found for that account or depositor 's name.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I contacted Continental Finance after losing my federal job due to a reduction in force. I was told that I qualified for a hardship program that would lower my monthly payment to {$52.00} and waive all late fees if I made three consecutive payments beginning XX/XX/year>. 
I made those payments in XXXX, XXXX, and XX/XX/year>. However, the company never applied the reduced rate or waived the fees. On XX/XX/year>, I spoke with supervisor a supervisor who said a ticket would be created to correct the issue, but as of XX/XX/year>, no changes have been made. 

A later supervisor told me the hardship program was invalid because I missed a XXXX paymentsomething I was never told about. This contradicts what I was told by multiple representatives.This inconsistency has resulted in continued late fees, an inflated balance of {$330.00}, and negative credit reporting. 

Moreover, the companys overseas call center representatives appear to lack authority to resolve these issues, resulting in repeated misinformation and no accountability.

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 2025-10-09 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 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 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 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 2025-10-09 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-09 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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
Consumer complaint received 2025-10-09 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo claim number XXXX fraud team sent me a letter that states they determined the charges from XXXX XXXX are unauthorized and refunded me on XX/XX/year> I found more charges from the exact same merchant XXXX XXXX ach transactions claim number XXXX and the fraud team send letter deny this claim. How can the fraud team refund fraudulent charges back to me and send letter saying they found these charges are not mine but then decide these other one are for a higher amount so they decline this claim. This is unfair business practices they are asking me to reach out to the merchant which I dont have an account and did not authorize I looked up the steps the Fraud team should be taking which is to contact the merchant and ask for ip address confirm that I dont have an account with XXXX XXXXXXXX none of those steps were taken. And they said they dont refund these types fraud charges then how come I have letter proving they did refund XXXX XXXX fraud charges. They are letting the complaint sit on the desk and wait 10 days give a generic response these are ach charges I did not authorize I would like an explanation on why you determine some XXXX XXXXXXXX charges are fraud and the others are not when they both are ach transactions I did not authorize I have uploaded the letter Wells Fargo sent saying the XXXX XXXXXXXX charges were found to be unauthorized and refunded me but for the higher amounts declining the claim

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 2025-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: FL

Complaint narrative:
I was required to select a repayment-related option in order to continue, but this complaint is not about repayment or credit reporting. It concerns the validity and origin of private student loans associated with XXXX XXXX XXXX and the servicers failure to respond to prior dismissal requests. 

This complaint involves private student loans obtained under misleading and deceptive circumstances. The borrower enrolled at XXXX XXXX XXXX based on the schools false representations regarding job placement rates, accreditation, and the transferability of credits. These loans should be dismissed, as they were originated through fraudulent and predatory practices tied to the schools misconduct. 

The borrower is not in default, bankruptcy, or financial hardship. The issue concerns the legitimacy of the loans, not repayment ability. 

A previous complaint was filed with the CFPB in XX/XX/year>, but it was closed after the Bureau requested additional information that the borrower never received. This new complaint includes the requested materials and additional evidence, including : Certified letters sent to MOHELA and XXXX, Proof of delivery ( receipts/tracking confirmations ), and Correspondence showing repeated requests for loan dismissal and supporting documentation that were ignored or unresolved. 

We are requesting that the CFPB review the enclosed documentation and facilitate an investigation into the legitimacy of these private student loans and the servicers lack of response or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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