vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for an apartment online and received a notification that I was approved and that I needed to make a {$400.00} deposit which I Did. I was then told that I wasn't approved but didn't get my deposit back. When I disputed the transaction with Wells Fargo they denied me.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-21 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:
Considering I never gave permission for these fraudulent accounts to be opened up, I ask that they be removed from my credit report. Kindly fix this mistake right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am submitting this complaint against Experian for gross negligence, failure to comply with the Fair Credit Reporting Act ( FCRA ), and ongoing violations of my consumer rights. 

On XX/XX/year>, I disputed a fraudulent collection account reported by XXXX XXXX XXXX ( Account # XXXX ). This account does not belong to me, and I have provided clear evidenceincluding direct correspondence from XXXX XXXXstating that the account is not mine. 

Despite this, Experian has responded that the account was verified and will remain on my credit report, per the following update : " The account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' This is outrageous, factually incorrect, and illegal under the FCRA. 

Key issues include : The investigation took over 30 days, which is a clear violation of FCRA guidelines. 

Experian claims the account was verified, yet I have documentation from XXXX XXXX contradicting that claim. 

This account is not reported by XXXX or XXXXonly XXXX continues to report it, further confirming its illegitimacy. 

I have disputed this account multiple times, and Experian continues to willfully disregard my rights and maintain a false derogatory item on my report. 

This inaction is materially damaging my creditworthiness and causing undue stress and hardship. 

I am demanding that Experian IMMEDIATELY delete this fraudulent account from my credit report and formally acknowledge their failure to conduct a compliant and reasonable investigation. 

I request the CFPB to take immediate enforcement action against Experian for their blatant disregard of FCRA mandates and for enabling the continued reporting of false, harmful information that has already been disavowed by the creditor themselves. 

Please find the account details below for reference : Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX Date Submitted : XX/XX/year>XXXX  I am attaching all relevant correspondence and documentation as evidence of this gross mishandling. I request a full investigation into this matter and enforcement actions against Experian for their continued abuse of power and disregard for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-21 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: MI

Complaint narrative:
Between XXXX and XXXX, I received multiple phone calls from a company identifying itself as D and A Services ( it sounded like 'DNA Services ' ). Each call followed the same pattern : the caller would state their name, then say, 'This is [ callers name ] from D and A Services. Please give us a call back at [ XXXX number ]. ' At no point did the caller identify themselves as a debt collector or indicate that the purpose of the call was to collect a debt. 

Because of this, I believed the calls were spam or telemarketing and did not return them. I later learned that the calls were related to a student loan debt that had entered collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I understand that debt collectors are required to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose. These calls did not meet that standard, and I believe this may constitute a violation of the FDCPA.

I respectfully submit this complaint in good faith and ask that your office review the matter and consider any appropriate enforcement or guidance. 

I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
My loans were originally serviced by XXXX XXXX and paid regularly. In XXXX, it was transferred to XXXX XXXX where I set up auto-pay and updated my latest contact information, including opting into e-correspondence. Sometime in XX/XX/XXXX, loan servicing was transferred again to a different entity within XXXX. This change was never communicated with me. My auto-pay was cancelled as a result of this transfer which was also never communicated. I never received any notifications of late or missed payments. Now in XX/XX/XXXX, I discover my loans had entered default only because of a change in my XXXX XXXX. I immediately contacted the Department of Education and paid off the balance of my loan and began investigating the matter. None of the agencies mentioned above could provide any clarification as to why this transfer occurred without notifying me.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
As I never opened these fraudulent accounts and was not informed of their existence, I demand that they be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They are attempting to garnish my wages, and I dont owe them any money. I dont have an account with them. I knew nothing of this debt and they was sending notification to old address. Only way I found out is because my job was notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had a mortgage with XXXX XXXX since XXXX and was never late. Effective XX/XX/XXXX, my loan was tranferred to NationStar/Mr.Cooper without acknowledging me or confirming. During the transition, I paid XXXX XXXX by accident XXXX and XX/XX/XXXX. I called NationStar and they waived my late fee for XXXX and stated that they couldn't waive XX/XX/XXXX as they were only allowed to waive a maximum of XXXX latefees per year. The lateness for XXXX was covered under " Official interpretation of XXXX ( c ) ( XXXX ) Payments not considered late. '' Therefore, I should not have been charged these latefees, which would have allowed them to waive the late fee for XX/XX/XXXX. They now have since reported the lateness of XX/XX/XXXX to my credit report-which again, I had never had any latenesses or issues with XXXX XXXX for XXXX 20 years. I am now trying to purchase a home, and can not get approved due to this lateness. They also say that since I paid the late fee for XX/XX/XXXX, they can not go back and change it or waive it. XXXX said she could not even access my records for XX/XX/XXXX. I have been also doing business with my credit cards, and have never been late for over 25 years ( XXXX, XXXX XXXX. ). I do not feel I should be penalized and prevented from buying a home because of unfair treatment to a new customer with an established track record. If they had followed the XXXX rules, the XX/XX/XXXX lateness would've been waived and not reported negatively to my credit report. From what I hear, they are doing this and more to many other customers who are not aware of regulations in order to dispute their unfair business practices. Since I was treated unfairly, I will also not be recommending them to anyone who needs a referral for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX my chime account went off for XXXX XXXX and took off {$4600.00} and even overdraft the card. I immediately disputed it saying that wasnt me. Chime said to wait for the transaction to be posted. First they told me all types of things questioning if I had made the charge, but I have time stamps that I showed to them that I wasnt the one who made the charge and something had been done to my card since I live in XXXX and the charge is coming from a different state. They told me that there was nothing they could do to help. I went to the precinct that same day and they told me to print out the statements. The same week, I made a police report since chime said they needed more evidence. A detective said that chime should cooperate now since I got the police report showing that this looks like wire fraud and I even gave them more information. Every time I spoke to chime, they would give me the runarounds and ask the same questions, and tell me they needed something else before giving me back my funds. The detective joined the call and told them to stop playing games since he knows they have the software to see the card usage to know definitively that it wasnt me. They got quiet and said that they will review everything. XXXX days later, I got an email from chime saying they saw no wrongdoing and that they are closing my case. I called them back and told them that I sent them the police report they asked for, so why are they closing it, and they said I took too long and was a day late to submit it during their investigation. I told them it wasnt my problem as it takes a second to get the report. They keep pushing back my date for my refund and every time they push back the refund date, they start finding more loops holes to not give me my money. Im tired of fighting for my money and need help as chime isnt even answering my calls by transferring my calls which seems like they flagged me as a difficult customer, when all I want is my money back that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I keep getting random calls and email by about credit debt that dnt know about, some have all info where I work and live, my family names this is crazy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I keep getting random calls and email by about credit debt that dnt know about, some have all info where I work and live, my family names this is crazy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I used PayPal to make a purchase on XXXX on XX/XX/XXXX, and requested a cancellation immediately after payment, because the wrong funding source was used. I messaged the seller to cancel and repurchase with the correct method. The seller ignored my request and shipped anyway. Worse, the XXXX listing stated Returns Accepted within XXXX allotment time, but the seller disabled the platform return system through a hidden setting. 

When I tried to file a dispute through PayPal, my case was denied, not based on the facts, but because they classified it as a billing issue, and claimed it didnt qualify for review. This ignored the evidence of seller misrepresentation and locked me out of XXXX return protections, which I would have been able to use had I not filed through PayPal first.

PayPals system is overly rigid, their support was unhelpful, and they provided no pathway to appeal. They also denied the case without requiring any real accountability from the seller. Im requesting the CFPB investigate PayPals dispute classification policies, and require them to issue a refund or allow a proper misrepresentation review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Over the last 10 days I deposited three checks worth a total of {>= $1,000,000} into USAA bank. They were from an estate account that I was a beneficiary too. USAA has frozen in my accounts and I can not get any money out of my bank my checks and payments to credit card companies Car loans are all on auto draft those are being returned as well. I spent an hour and a half yesterday with them going through every transaction because they are concerned about fraud I answered all their questions there is no fraud Ive been a member with this bank for 14 years and deposited millions of dollars back-and-forth. Ive called them multiple times they can not give me an answer when my accounts will be unfrozen saying they will contact me when its over. This should be criminal this is my money I had over {$40000.00} in the bank before that these deposits were even made and I cant access any of my funds

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