vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I was issued a check for an escrow surplus refund for {$1400.00}, check issue date XX/XX/XXXX. My mailbox was subsequently broken into and the check was stolen, my signature was forged, and someone endorsed the check to themselves and cashed it. I contacted XXXX ( my mortgage servicer ) several times and they finally sent me a Check Fraud Affidavit form ( the attachment whose file name ends in " XXXX '' ) from XXXX XXXX XXXX which I completed and mailed as per the instructions on the form directly to XXXX XXXX XXXX XX/XX/XXXX. Never heard back, and it's now XX/XX/XXXX. Just contacted them again and they informed me the request was closed out in XX/XX/XXXX and I should just restart the process again, send the forged check affidavit again, and wait again for the investigation. In addition, this time they sent me an apparently updated version of the form with a different address ( the attachment whose file name ends in " XXXX '' ), which suggests they may not have sent me the correct form with the correct address in the first place back in XX/XX/XXXX. My complaint is that there is no regulation that requires escrow surplus funds to be distributed via check in the first place, yet XXXX insists on sending via check. Not everyone has access to a secure mailbox. Feel free to review the call recordings, every time I contacted them on this topic I asked them to simply refund that {$1400.00} amount to my escrow account - I'm not asking them to issue me a check that I can then cash. They also have my true signature on file, between my promissory note on the mortgage ( attached ), and the escrow surplus from this year ( XX/XX/XXXX ) which I received via mail, endorsed myself and cashed. This would allow them to " back me up '' in my claim with XXXX XXXX. I have since asked them to cancel my escrow account as I would prefer to handle it myself, if they are not willing to transact electronically. I don't understand why they can easily pull funds from my bank account every month via ACH but they can't deposit escrow refunds in the same manner. Restating, my complaint is that the regulation doesn't require them to issue refunds by check yet they insist on doing so which presents an unfair disadvantage to people that don't have secure mailboxes.

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 2025-06-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-17 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I received a charge on XXXX XXXX XXXXXX/XX/year>, for {$280.00} from the company XXXX XXXX, that I did not recognize. I contacted my bank, Northwest and filed a dispute with them. They then credited me the funds while they investigated. A week or so later, the credit was reversed so I called the bank asked for the information that they used to determine this ( see the attached ). 
When you first look at this information, it does look legit. But, if you drill deeper, you'll find that : 1. The website provided does not work and they do not have a phone number to contact someone at the company.

2. It states they're electronics for the home and office company, yet they claim I order a pullover and a sweater.

3. The tracking information does not show that it was delivered. 

I've called my bank twice with the above information and I've been told both times that their decision is final. 

I would gladly call the company that says I purchased these items, but I can't find the company.

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 2025-06-17 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: AL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am formally disputing the accuracy and verifiability of the public record being reported. Please initiate a reinvestigation into the following : Public Record : XXXX XXXX BANKRUPTCY Court Name : U.S. Bankruptcy Court Docket/Reference Number : XXXX Dispute Statement : This is a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) concerning the reporting of the following public record item : XXXX  XXXX BANKRUPTCY Case # XXXX U.S. Bankruptcy Court You are reporting this bankruptcy, yet under 15 U.S.C. 1681e ( b ), you are obligated to ensure maximum possible accuracy. You are also required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to perform a reasonable reinvestigation if the completeness or accuracy of any item is disputed.

In accordance with Metro 2 guidelines, all public record data must be : Verified using original source documentation ( not through third-party vendors like XXXX or XXXX alone ), Reported with full and accurate account-level details, and Removed if unverifiable, incomplete, or outdated per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am formally requesting : A full reinvestigation of this record including the original documentation used to verify the entry, Disclosure of the method of verification, including the party contacted per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Immediate removal of this public record if it can not be independently verified or lacks complete and accurate reporting as defined by both Metro 2 standards and the FCRA. 

If the data furnisher or court can not verify the record per statutory guidelines, it must be removed from my credit file. 

Thank you for your prompt attention. I request results within the 30-day reinvestigation period as mandated by federal law. 

Regards, 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 2025-06-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-17 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: TX

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I HAVE FILED SEVERAL DISPUTES FOR 3 TOTAL ACCOUNTS FOR XXXX XXXX CREDITS THAT WERE OPENED IN MY NAME WITH OUT MY KNOWLEDGE, I CONTACTED XXXX XXXX THE DAY THE FRAUD INQUIRES CAME THROUGH AN DTHEY STATED THEY CLOSED THE ACCOUNTS AS FRAUD, I SENT THE POLICE REPORT AND FTC THEFT REPORT TO EQUIFAX TO HAVE THE FRAUD XXXX XXXX  ACCOUNT TO BE BLOCKED, THEY DID AND NOW ITS BEEN BLOCKED SEVERAL TIMES AND XXXX  XXXX KEEPS CHARGING THE ACCOUNT NUMBER OR SOMETHING ABOUT THE TRADE LINE AND REPORTS IT BACK, I CALL XXXX XXXX OFFICE OF THE PRESIDENT AND THEY STATE THEY ARE NOT REPORTING IT BUT THEY ARE. I FILED A DISPUTED WITH EQUIFAX AND UPLOADED A NEW FTC ID THEFT REPORT AND ITS NOW BEEN 8 DAYS AND ITS STILL SHOWING UNDER DISPUTE WHEN I GOT A MESSAGE FROM EQUIFAX ITS GOING TO BE BLOCKED AGAIN AND THEN I TALK TO THE OFFCIE OF CONSUMER AFFAIRS AND THEY SHOW IT WAS BEEING BLOCK BUT DOESN'T UNDERSTAND WHY ITS STILL ON MY REPORT. NOW I'M GOING TO CLOSING ON XXXX FOR MY NEW HOUSE AND NOW THEY ARE SAYING IT WILL BE CANCELLED AND I WILL LOSE MY DEPOSIT OF XXXX ALL BECUASE OF A FRAUD ACCOUNT THEY ISN'T MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
CFPB Complaint : Fraud-Related Credit Card and Bank Account Activity What happened : I am submitting this complaint due to extensive financial losses I suffered as the result of an organized cybercrime fraud scheme conducted through a platform known as XXXX XXXX XXXX XXXX XXXX XXXX Over the course of several months, I was manipulated and coerced into transferring approximately {$69000.00} across multiple credit cards and bank accounts, including both personal and business funds, under false pretenses that I would be able to withdraw funds from the platform after completing specific deposit tasks. 

Despite complying with all demands which included VIP level upgrades, green channel activations, and fabricated fines for alleged violations my access to the promised funds was repeatedly denied and new barriers were introduced. 

I have extensive documentation showing the coercive and deceptive tactics used by the platform, including XXXX transcripts and communications with individuals claiming to be customer service and financial advisors. I am now left with crippling debt across several institutions, all incurred under fraud. 

I have filed an official cybercrime report with the FBIs Internet Crime Complaint Center ( IC3 ) : Submission ID : XXXX Date Filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo XXXX Credit Card : XX/XX/XXXX : {$3000.00} charge XXXX : XX/XX/XXXX : {$2500.00} balance transfer XXXX : {$5800.00} balance transfer XXXX XXXX XXXX XXXX  XX/XX/XXXX : {$9500.00} balance transfer from Wells Fargo

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
" I received a collection notice from Radius Global Solutions regarding a XXXX XXXX account XXXX I timely disputed the debt via certified mail on XXXX XXXX XXXX and requested full validation. They failed to respond with the contract, itemization, or chain of custody. Continuing to pursue this debt without proper validation is a violation of FDCPA 1692g ( b ) and FCRA 623. I demand this account be removed and all collection activity cease immediately. ''

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 2025-06-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6300.00}

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