vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a prepaid card that was damaged by the credit card manufacturer. I requested a refund and was denied. I asked for a replacement and was denied. I have requested several times to get my money back. Vanilla Visa is refusing to refund or replace my card with several XXXX dollars. 

XXXX the XXXX refused to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received notification in the mail that my Chase Business Ink Card was closed. A notice was uploaded to my account and mailed. The closing date was XX/XX/XXXX. I attempted to call once I received notification. The reason stated : Too many accounts opened recently Too many requests for credit or reviews of credit The letter also references the lose of my UR points for misuse. I have requested and executive level review by mailing a letter. I attempted to contact someone and spoke to 3 different review teams, all requests to allow transfer of UR Points was denied. The notices does state : Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program.

See the terms of your rewards program for details.

This is Chase Ink Business Card used only for business purposes. If they suspected misuse that should be told as a reason. I own and operate a reputable long standing home care agency. I am the owner, operator, and registered nurse. There has been no misuse of any rewards. I have a no issues with all other business cards issues by XXXX and XXXX XXXX. Chase states I will have 30 days to call and have my points transferred but they have failed to follow their own protocol. I am asking for an investigation into false allegations made by chase. They state too many open accounts and that is their choice to no longer do business with me, but blocking the ability to transfer earned XXXX points from spending money on cards with NO valid reason. 
They are violating their own policy and trying to make it about fraud. There is No Evidence of misuse or fraud. I did call the hotel and the booking was through a XXXX XXXX. I was not able call the hotel directly only by email. I cancelled within the time frame and I did dispute the charge. I am fine if Chase did not agree and charge is legit to them. I did not initiate the charge in a fraudulent manor. Chase has taken a malicious stance and is failing to properly reach out to the consumer. This will hurt my future business credit and will cost me over XXXX XXXXXXXX in travel points. I have a XXXX XXXX and growing business. This is not protecting the consumer and if they suspect misuse the list that as a reason. Yes I initiated Fraud, the hotel was 3rd party in another country. 
I have attached the letters from Chase and my email with cancellation from the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX offers promotion for large purchases to avoid all finance fees. I agreed to the terms based on the Comenity Bank rep explaining the monthly payment needed to meet the timeline to avoid any fees. Based on this advice, I have made payments via online banking and paperless statements. My last notice was for payment made on XX/XX/XXXX ; I checked my balance to determine if I was close to payoff or could pay off and found a {$300.00} finance fee applied. I have emailed and contacted the bank, XXXX reps refused to remove the finance fee per my request to payoff the balance without the fee. I asked to speak to XXXX XXXX and the bank rep hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I placed an order through XXXX for several items from XXXX totaling {$120.00} that was scheduled to be delivered on XX/XX/year>. I did not receive the package and based on the proof of delivery XXXX provided it was left in the lobby under the mailbox instead of at my apartment door. My building has XXXX ( XXXX ) apartment units with no front desk or doorman. I reached out to XXXX on several occasions seeking redelivery to resolve this issue to no avail.I have also filed a claim with XXXX and provided copies of all correspondence with XXXX, including the email XXXX sent as proof of delivery. The email and the photo clearly state that the package was delivered by SpeedX on XX/XX/year>, and XXXX stated they denied my case because XXXX sent them proof that the package was delivered by USPS on XX/XX/year>, track # XXXX. I summited an appeal with photos from XXXX showing that the package delivered by XXXX on XX/XX/XXXX, is its not the package in question that was dated for XX/XX/XXXX. XXXX still declined my appeal for resolution. I am forwarding all copies of my correspondence with XXXX and XXXX along with the photos. All correspondences are attached. Please assist in resolving this issue.

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 2025-09-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX ] Account Number : [ 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 2025-09-08 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: KS

Complaint narrative:
As my payment history is reliable, this late mark is a mistake. Kindly remove it and update my file.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX AND JEFFCAPSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND JEFFCAPSYSis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to the XXXX XXXX XXXX on XX/XX/year> regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : XXXX CHILD XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/year> XXXX XXXX XXXX XXXX XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/year> XXXX XXXX XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/year> XXXX XXXX Account XXXX XXXX Late payment ( XXXX ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-09-08 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: IL

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are severely impacting me and continue to cause ongoing harm. This situation is unacceptable and must be resolved without further delay.

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2025 at around XXXX I started getting a bunch of spam emails at around XXXX email every minute. After about 5 minutes, I checked online to see what could cause this and I found out that this is a what scammers do before or while they're about to do some type of fraud. I checked all of my bank accounts and I found that my business checking account ending in XXXX at Wells Fargo did get hacked as I saw a wire that was PENDING for {$12000.00} to a person that I did not know. I called the Wells Fargo fraud dept at around XXXX to tell them to stop the wire before the banks open at XXXX since I did not authorize the wire. At this point the wire was still pending so I figured they would be able to stop it. I was given claim numbers to check in a week or so. I did not get any updates via mail or phone call. I finally called on XX/XX//2025 and was told that the claim was denied on XX/XX/2025 as they determined that I must have given my online password to the recipient. And they said that the other bank can not give them any money since the account the scammers used were wiped out. That's not my fault. Also, why would I try to stop the wire while it was pending if I was going to commit fraud myself? I would have waited to make sure the wire went through before I filed a complaint. It doesn't make sense. I also don't have any history of criminal behavior and I have been banking with Wells Fargo for my businesses for over 20 years.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate and unverifiable information.

Background I identified several inaccurate accounts on my credit reports, including personal loans and credit card charge-offs.

I submitted formal disputes and requested Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The agencies failed to provide the MOV within the required time frame.

Some of the disputed accounts were deleted by one credit bureau after investigation, yet the same accounts remain on others, even after I provided documentation showing the deletions.

This results in inconsistent, inaccurate, and misleading reporting across the credit reporting agencies.

Violations Failure to Reinvestigate and Provide MOV Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), they must provide a description of the procedure used to determine the accuracy of the disputed information ( Method of Verification ).

I requested this information, but it was not provided, violating my rights under the FCRA.

Failure to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of information that is inaccurate, incomplete, or can not be verified.

Since one bureau deleted the accounts as unverifiable, the continued reporting by other bureaus shows a failure to comply with this requirement.

Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) requires agencies to follow reasonable procedures to assure maximum possible accuracy.

The inconsistent reporting across bureaus is misleading and harmful, and does not meet the standard of maximum possible accuracy. 

XXXX XXXX ( credit card ) XXXX  ( personal loan, transunion deleted ) ) XXXX XXXX ( personal loan ) XXXX  ( personal loan ) XXXX XXXX ( personal loan ) XXXX XXXX ( credit card, equifax deleted ) XXXX ( credit card ) XXXX  ( credit card, equifax deleted )

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate and unverifiable information.

Background I identified several inaccurate accounts on my credit reports, including personal loans and credit card charge-offs.

I submitted formal disputes and requested Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The agencies failed to provide the MOV within the required time frame.

Some of the disputed accounts were deleted by one credit bureau after investigation, yet the same accounts remain on others, even after I provided documentation showing the deletions.

This results in inconsistent, inaccurate, and misleading reporting across the credit reporting agencies.

Violations Failure to Reinvestigate and Provide MOV Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), they must provide a description of the procedure used to determine the accuracy of the disputed information ( Method of Verification ).

I requested this information, but it was not provided, violating my rights under the FCRA.

Failure to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of information that is inaccurate, incomplete, or can not be verified.

Since one bureau deleted the accounts as unverifiable, the continued reporting by other bureaus shows a failure to comply with this requirement.

Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) requires agencies to follow reasonable procedures to assure maximum possible accuracy.

The inconsistent reporting across bureaus is misleading and harmful, and does not meet the standard of maximum possible accuracy. 

XXXX XXXX ( credit card ) XXXX  ( personal loan, transunion deleted ) ) XXXX XXXX ( personal loan ) XXXX  ( personal loan ) XXXX XXXX ( personal loan ) XXXX XXXX ( credit card, equifax deleted ) XXXX ( credit card ) XXXX  ( credit card, equifax deleted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Our home was rendered unlivable by XXXX  XXXX late last year. We worked out a disaster forbearance agreement with our mortgage servicer at the time, XXXX XXXX. This lasted 90 days and renewed a few times, until ending XX/XX/XXXX. At this same time ( start of XX/XX/XXXX ), our mortgage servicing was transferred from XXXX XXXX to Shellpoint Mortgage Services. Shellpoint, so I'm told, continued the disaster forbearance for 1 month. After ending it with no options to ensure our credit remained intact, they reported us delinquent on the loan 120+ days, I think at the end of XXXX. There was no contact about this that either my wife or I can recall, no demand to pay the money " or else '', nothing. They just reported us as delinquent on a plan originally worked out to help us recover from a natural disaster. On XX/XX/XXXX Shellpoint called us to discuss the loan modification, we agreed and made a payment immediately. There was no discussion during this call or at any other time about our credit getting destroyed. We would have been able to catch the loan up in full if notified/requested, but that never happened. We are now stuck unable to buy a new home for a year due to the delinquency reported on our credit, when our own home was first damaged by a hurricane, then burned down on XX/XX/XXXX. During our hardship, we proactively reached out to both mortgaging servicers to make sure everyone was kept in the loop during major events such as the home fire, and periodically throughout, we answered when they contacted us, and when they told us the forbearance was over and a new agreement and payment was required, we did it. In short, we did everything asked of us and then some, yet we have still been unfairly punished by Shellpoint. To remedy, all we care about right now is getting that 120+ day delinquency off of my ( and my wife 's ) credit, because no mortgager will work with use while that exists. We did what was asked of us and don't deserve to be treated this way. We'll happily work out any kind of payment arrangement with Shellpoint, including paying the full amount we are behind ( or the modified loan terms, we're flexible ), to make this happen. This was communicated to a supervisor ( XXXX, didn't catch last name ) just now XX/XX/XXXX and we were told there is nothing he can do. Please help us get our credit fixed by having that delinquency removed, which will allow us to get a home and finally get some sense of normalcy back.

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 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal credit reports have addresses on them that I did not live at or recognize as well as several inquires that do not correspond with open accounts I do have, obviously these inquires I do not recognize because I did not make them at XXXX XXXX XXXX XXXX XXXX XXXX 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