vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo Charge card shows, as revolving, charged off. I have never received a 1099c for this account. I would like my 1099c and the account 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: MI

Complaint narrative:
On XX/XX/year> ( XXXX XXXX ), I received an alert that my credit score had dropped by XXXX points. Upon checking XXXX, I discovered XXXX fraudulent credit cards opened in my name : one with XXXX XXXX and another with Sunbit/XXXX. 

I contacted XXXX XXXX immediately, and XXXX XXXX resolved the issue within 10 days. However, Sunbit/XXXX  was more difficult to reach with call waits over XXXX min each time. After 11 days, I spoke with a representative who confirmed the card was opened virtually on XX/XX/year> and maxed out the next day for {$4900.00}. The funds were reportedly sent to a property management company and XXXX XXXX XXXX. 

On Thursday, XXXX XXXX, I received the actual XXXX card in the mail ( wanting it to be activated ) and took off work the next day and stayed on hold waiting for a Sunbit rep for XXXX hours! 

Despite confirming the fraud, Sunbit refused to disclose the transaction location and demanded sensitive documents ( Michigan drivers license and Social Security card ) to clear the account. I declined, as this was not required for the XXXX XXXX case and seemed unsafe to do. A second Sunbit rep acknowledged the fraud but stated that without those documents, I would be held responsible for the {$4900.00} and reported as delinquent. When asked if a police report would suffice, I was again told NO by Sunbit customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I disputed multiple unauthorized or questionable transactions on my XXXX card. XXXX reviewed my dispute and denied all of the transactions, citing that the disputes were reported past the XXXX window from the statement date. They stated I am responsible for reviewing my account statements promptly, according to my cardholder agreement and XXXX XXXX XXXX. I previously filed XXXX CFPB complaints regarding these transactions and requested a reinvestigation, but I did not receive any response or follow-up from XXXX regarding these previous complaints. No provisional credit was issued, and I have not received any further consideration for the disputes. Additionally, during the timeframe of these transactions, my card and phone were stolen, which should be considered in evaluating the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no knowledge of requesting this company to run my credit, I have no open or existing accounts with them.

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 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 2025-09-18 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:
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 2025-09-18 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:
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 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my second time attempting to resolve inaccuracies on my credit report, and the issues remain uncorrected. Despite submitting proper documentation and following all required steps, the errors have not been corrected by the credit bureau and/or furnisher. These inaccuracies are continuing to hinder my ability to access credit and financial opportunities. 

I am requesting that the CFPB ensure these errors are fully investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
My name is XXXX XXXX and my mortgage was sold in 2022 to Flagstar bank ( loan # XXXX ) from XXXX XXXX lending. 

I've never had a shortage in my escrow account, nor fees taken out of my escrow account, until my mortgage loan was sold from XXXX home lending to Flagstar Bank. Even when my loan was sold to XXXXXXXX XXXX, I haven't detected such sketchy behavior. When I tried to investigate on my own, I receive the response below : " Which is the first I have received regarding the matter of a monthly service fee. To my knowledge the information you describe is an internal Investor XXXX and Investor XXXX reconciliation process within the environment of each loan servicer. '' I then secured legal representation and the attorney was also told something completely untrue, it is listed below : " We have completed our review and determined that no corrections or refunds are necessary. 
The mortgage loan was not charged the fees in question. These are pass { hrough fees between the servicer of the loan and the mortgage servicing rights owner. They represent the portion of each monthly mortgage payment retained by the servicer for managing and administering the loan. This includes tasks such as processing payments, managing escrow accounts, providing statements, and handling other administrative duties. '' The issue is that no where in my loan description and breakdown information, does it list service fees and they could be taken out of my escrow at any time and for any amount. They also took out a double payment from my monthly payments at the beginning of them servicing my loan, and they said this was standard practice. This did not happen at XXXX, nor is it happening at XXXX Mortgage. It is only Flagstar bank that has stolen money from my escrow account via the suspicious monthly fees and the double payment at the beginning of the time they serviced the loan. Also, we have all looked over the loan transfer letters from both XXXX and XXXX and they say the same thing, that nothing will change with regard to the XXXX of the loan or the monthly payments, only to whom the payments would be sent to. They all have signed copies of the loan breakdown from the title company and nowhere in the documents is even a suggestion of the servicer being allowed to charge more than the agreed upon loan amount. 

We have not received any satisfactory answer or plausible explanation and I am insisting on them refunding the nearly {$1800.00} in fees that I paid for no reason. 

After your review, kindly advise next steps in this process. 

Thanks in advance for your time and consideration. 

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Reporting To Whom It XXXX Concern, I am writing to formally dispute the accuracy of a collection account reported by The CBE Group Inc. on my XXXX  credit report. 
Creditor Listed : XXXX XXXX XXXX XXXX XXXX : The CBE Group Inc. 
Account Number ( partial ) : XXXX Reported Balance : {$2300.00} Date Opened : XX/XX/year> This account is being reported in error. I have not lived at the service address associated with this account ( XXXX XXXX XXXX XXXX ) for over XXXX years, and at the time of my departure, my balance with XXXX XXXX XXXX was {$0.00}. I was not responsible for any charges after vacating the property. 

This collection account is incorrect, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated and deleted from my credit file immediately. 

Please provide : XXXXVerification of the alleged debt, including complete billing statements and proof that I am legally responsible for the charges. 
XXXXThe service address, dates of service, and documentation showing how the balance of {$2300.00} was calculated. 
XXXXProof that I was notified of this debt prior to it being reported to XXXX 

If you can not provide proper documentation, this account must be deleted from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I tried purchasing this product on XXXX market and the seller requested for zelle but said that the zelle transfer never went through even thought they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief