vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Deposited a payroll check on XX/XX/ with the account holders name on the check through an ATM, using a debit card on the account, with the security pin of the account holders name. Wells Fargo then gave a {$400.00} courtesy credit the same day. On XX/XX/25 Wells Fargo then took back the {$400.00} and put a hold on the check indefinitely, and would readdress the issue XX/XX/25! Wells Fargo says they tried to collect the funds, and the endorsement didnt match payee. I went to a local Wells Fargo branch with my drivers license so they can verify my signature in person with my signature on the back of the payroll check made out to me, that I signed, that was deposited into the payees account, with my bank card, through an ATM, using the security pin that I only have! They refuse to try and recollect the Funds from XXXX XXXX until the XXXX is what theyre saying, but not guaranteed. My complaint is that this is my PAYROLL check DEPOSITED into my account, not cashed, and the system wont address it until the XXXX, 12 days later. This has happened over XXXX with bills that needed to be paid, and they refuse to have a human being settle this matter!

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 2025-12-23 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:
Hi " My Name is XXXX XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX CC : Consumer Protection Division RE : Formal Dispute Misrepresentation of Insurance Coverage Vehicle : XXXX  XXXX XXXX XXXX ( Total Loss ) Dear Sir or Madam, I am submitting this letter as a formal dispute and demand for review regarding the purchase and financing of a XXXX  XXXX XXXX XXXX completed through XXXX XXXX XXXX XXXX XXXX and financed by XXXX XXXX 
At the time of purchase and delivery of the vehicle, XXXX XXXX XXXX XXXX XXXX accepted my Clear cover Insurance policy and allowed the vehicle to be delivered. I was explicitly told and led to believe that I had full coverage insurance. I specifically asked about GAP insurance, which was denied without explanation, and no written reason for denial was provided. 
At no time was I informed that my insurance coverage was insufficient, failed to meet lender requirements, or that I would be personally exposed to liability in the event of a total loss. Only after the vehicle was totaled did I discover that the coverage I was told was full coverage did not cover the loss as represented. 
Had I been properly informed, I would not have accepted delivery of the vehicle or would have obtained compliant coverage or GAP insurance immediately. By accepting the insurance policy, approving delivery, and failing to disclose material facts, the dealership misrepresented the sufficiency of coverage. 
I formally dispute responsibility for the remaining loan balance and request the following : 1. Written acknowledgment of insurance misrepresentation 2. Review and correction of the loan balance 3. Removal of liability resulting from improper delivery and disclosure 4. Suspension of collection activity pending investigation 5. Written response within 30 days If this matter is not resolved, I will continue to pursue remedies through the Illinois Attorney General, Illinois Secretary of State XXXX XXXX XXXX, the CFPB, and any other applicable regulatory or legal channels.

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 2025-12-24 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: TX

Complaint narrative:
Im writing again about the XXXX XXXX account ( Acct number XXXX XXXX XXXX XXXX XXXX ). This is now my fourth time disputing this account. Even though youve marked it as verified in the past, nothing youve provided shows that the information is actually accurate or can be properly verified. 

Under FCRA 611 ( a ) ( 1 ) ( A ), youre required to conduct a reasonable reinvestigation. And under FCRA 611 ( a ) ( 5 ) ( A ), anything that can not be fully verified must be deleted. After several rounds, its clear this account still doesnt meet those standards.

At this point, Im asking that you remove this account from my credit file. Ive included my ID, proof of address, and copies of my previous dispute letters for reference. 

Please send me written confirmation once this has been completed.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
am requesting that Midland Credit Management : 1. Conduct a full investigation into this account, which may have resulted from identity theft after my car was broken into and my credit card and Social Security information were stolen.

2. Review the police report and any prior notifications made to the original creditor regarding the theft.

3. Provide written verification that I am legally responsible for the balance, including proof of authorization, a complete transaction history, and documentation of Midlands ownership of the account.

4. Delete the account from all credit reporting agencies if Midland is unable to verify that the debt is valid and attributable to me.

5. Cease reporting and collection activity during the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Both servicers are reporting student loan information to the credit bureaus that I believe is inaccurate, incomplete, and not properly substantiated. I have disputed these accounts and requested verification and documentation, including a copy of the original signed promissory note, a complete loan history, and documentation showing their authority to service and report these loans. 

I am requesting that the CFPB require MOHELA and XXXX XXXX to fully substantiate the validity of the alleged debt, provide complete loan documentation, correct or delete any inaccurate or unverifiable credit reporting, and cease reporting disputed information that can not be verified.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remaining on my credit report .. it been 8 years already

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 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
A XXXX XXXX account that became delinquent approximately XXXX ( XXXX ) years ago is being inaccurately reported on my credit report saying it opened in XXXX. 

I have not had an active XXXX account, made payments, or entered into any agreement related to this account in over XXXX years. Despite this, the collection account is being reported as recently updated, which misrepresents the true age of the debt. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), negative accounts may only be reported for XXXX years plus XXXX  days from the Date of First Delinquency. Re-aging an account to make it appear recent is unlawful. 

I disputed this inaccurate reporting and requested documentation establishing the Date of First Delinquency. The company did not provide documentation verifying the recent reporting. 

This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting deletion of the account or correction to accurately reflect the true Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Chime Financial Inc
State: LA

Complaint narrative:
I got a chime credit card in the mail under my name and i did not open it nor did i apply for XXXX and its now on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The CB/VICSCRT account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have a lot of experience with AMEX gift cards not being accepted by a multitude of vendors. I have filed a complaint in the past about XXXX and AMEX sent me a check for the remaining balance. 

I just received XXXX more gift cards and I would like to not waste time and have pending charges tying up the card so Im asking for a similar resolution beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: KS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the closure of my Capital One credit cards account ( ending in XXXX and XXXX ), which occurred on [ XX/XX/XXXX ]. 
I have been a loyal customer for XXXX  years and this sudden closure is both disappointing and damaging to my financial standing. I am requesting an immediate review of this decision for the following reasons : For the last couple of years, I have went through hardshipand was trying to keep up with all my bills I didnt realize my account was still on auto pay, so I was told the automated system clossed my account because the payments kicked back. I am now working and would love to continue my relationship with the bank, I also have a checking account as well as a savings account with capitalone. 
I received no prior warning or opportunity to resolve any concerns Capital One may have had. 
The closure of this account has negatively impacted my credit utilization and credit score. As a result, I am requesting that Capital One : Reopen the account immediately with the previous credit limit restored. 
Remove any negative " Closed by Grantor '' remarks from my credit report. 
I am willing to provide any documentation necessary to clear up this matter. Please contact me at XXXX or via email XXXX to discuss the next steps. I expect a response regarding this escalation within XXXX business days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: NC

Complaint narrative:
I have request Equifax, Experian, and Transunion to remove hard inquires listed ; they were made without my knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mortgage servicer : Mr. Cooper ( Nationstar Mortgage LLC ) Loan number : XXXX Complaint description I am filing a complaint regarding an incorrect escrow analysis performed by my mortgage servicer, Mr. Cooper, dated XX/XX/XXXX. 

My escrow account is used only for property taxes. Homeowners insurance is not escrowed on this loan and has not been for several years. Despite this, Mr. Coopers escrow analysis improperly includes homeowners ' insurance in escrow projections and minimum required balance calculations, which results in a stated escrow shortage of {$550.00} and a corresponding payment increase effective XX/XX/XXXX. 

Mr. Coopers own Escrow Review Statement confirms that : Total actual escrow disbursements consist solely of property taxes in the amount of {$7800.00}. 

Total Taxes and Insurance equals the tax amount exactly, confirming no insurance was paid from escrow. 

Escrow projections show only one escrow disbursement XXXX XXXX tax ) and no insurance disbursements in any projected month. 

Despite these facts, the servicer calculates the minimum required escrow balance as if insurance were escrowed, creating an invalid escrow shortage based on a non-escrowed expense. 

I have contacted Mr. Cooper by phone multiple times and provided documentation showing that insurance is not escrowed. Each time, the servicer has refused to acknowledge or correct the error. 

This issue is particularly concerning due to prior escrow servicing failures by this same servicer. Earlier in the loan, insurance was escrowed but Mr. Cooper failed to pay the insurance premium, nearly resulting in policy cancellation. I was forced to make an emergency out-of-pocket payment to keep coverage active and later recover funds through a cfpb complaint, after which insurance was removed from escrow. The current error represents a recurrence of insurance-related escrow servicing failures. 

I have now submitted a formal Notice of Error under RESPA requesting correction. I am requesting CFPB assistance to ensure : Insurance is removed from escrow projections and minimum balance calculations. 

A corrected escrow analysis is issued ; and The invalid escrow shortage and related payment increase are removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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