vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX CONNS  ) XXXX * * * * Balance : {$1500.00}. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$900.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-02 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: WI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
These are the charges to my checking account all made in the same day on XX/XX/year> that were on hold, but the bank let these changes go through without looking into it. All purchase were made same day at different XXXX location in XXXX XXXX  and XXXX. 

XXXX charges for {$95.00} and XXXX charge for {$50.00}. 
All XXXX charges in the same day. 
Locations XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX 

Total {$520.00} plus overdraft fees from my Bank for each fraudulent charge. 

They have done nothing to date. I have had no money since this has happened. I keep getting the run around them stating " XXXX business day or this will be resolved in XXXX business days ''. This is the second time this has happened. I live from paycheck to paycheck, and I haven't had any money since this past weekend. I have {$75.00} in my checking that I don't have access to. 

I asked what make an account eligible for a temporary refund until they investigate and find that of course these changes they let slide through aren't my changes and again I get the run around. 

I need access to my money and the Citizens Bank does nothing to protect my funds. These charges were on hold over the weekend, and they let them go through and make my account negative. 

I have been a customer with this bank for over XXXX XXXX Citizens does nothing to protect my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have had a Wells Fargo checking account for about 15 years. In the last 5 years, I have not used my debit card for anything other than occasionally getting quarters at the local bank branch. 

In XXXX, my father gifted me some money via XXXX to this account. When logging in to view the money, I noticed fraudulent transactions. I immediately marked my card lost/ stolen, and called Wells Fargo while I was at a conference. 

I told the agent that I thought my card was at home, but could not confirm. 

In XXXX, Wells Fargo approved my claim for a ~ {$60.00} transaction and denied my claims for {$490.00} transactions. I inquired why and was told that because I maybe had the card with me, and the card was used via XXXX, that it could not be fraud. 

I was physically not located in the places that the cards were transacted against ( XXXX XXXX ). I used a different Wells Fargo card via XXXX  XXXX, which requires biometric confirmation, that I was in XXXX XXXX. I told this to their team, and they did not do anything with it. 

Wells Fargo said they would re-investigate, which to them meant simply listening to my first call, but not taking into account : - I was not in XXXX XXXX, but I was in XXXX XXXX, and I said I can provide evidence of that - I did not use my debit card for anything in the last 5 years besides at a Wells Fargo location - I do not own a pet or a car, and the card was used at a pet shop and a gas station I was told in XXXX that they could not do anything and that I can either contact each merchant, or contact the police. I do not know the specific locations of the merchants and the police in XXXX do not help get money back from debit card theft. I told the Wells Fargo team that it is inconsistent that they approved one transaction and not the other, and now they said they are going to see if they should change that decisionmeaning they would deny the paltry {$60.00} credit they gave.

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 2025-07-02 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: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 explanation
Consumer complaint received 2025-07-02 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 letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-07-02 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-02 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
I have been applying for XXXX XXXX XXXX plan since XXXX. I have resubmitted the application multiple times once in XXXX, once in XXXX and once in XXXX. I called late XXXX to see what the hold up was and they said they were processing my application and that I would continue to be in forbearance until they process my application. My husband submitted his application to his servicer and heard back within a month and he was put on a plan. There is no reason I have been waiting for 5 months for them to process my application. This is putting my XXXX forgiveness at a stand still and I want to get on this plan before our current administration eliminates this payment plan. Please help me with this.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was unknowingly signed up to a XXXX XXXX loan in 2013 with a 3 day decline or cancelation. This offer was created by XXXX XXXX  and XXXX XXXX. Warning, providing any information is a okay for lender to approve loan. Thinking this was a cash out loan to consolidate debt and make improvement on the property signed. Later to find out this was no cash out XXXX  XXXX processed by XXXX XXXX. So beware. The loan was for {$190000.00}. I did not receive a XXXX  of this money but expected to pay all {$190000.00} To the lenders. Sounds illegal.

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 2025-07-02 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Hurricane XXXX left me out of work and my unemployment was delayed. I applied for a loan modification from my original lender. I signed the documents and returned them in XX/XX/2025. I received a copy of the subordinate deed in the mail stating that those payments were moved to the end of the loan. In XX/XX/2025 I went into my account to pay my mortgage and it said that it had been purchased by XXXX. I called and they hand me the number because I had received no correspondence from XXXX. They had a different amount for my mortgage but stated I should just pay my regular amount while the wait for all documentation to come from XXXX. XXXX payment was due in XXXX and I made it. The statement came and said my payment was XXXX. They lept saying for XXXX days that it takes a while to convert the loan but the statements were showing me delinquent for the period covered by my loan modification. In XXXX, I paid XXXX which is the difference between the new payment and what we equal the payment for XXXX. The statement arrived and they are posting it as XXXX for XXXX and XXXX. I finally got a XXXX XXXX on the phone after I faxed the my subordinate deed info. They still have not adjusted the account and are saying that my loan modification is denied. I never applied for XXXX from them. It came from XXXX and was in place before the mortgage was sold. Additionally, I was entitled to the forbearance due to XXXX XXXX. I dont understand how XXXX XXXX not honor it.

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 2025-07-02 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Chapter XXXX Bankruptcy # XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal and urgent demand under 15 U.S.C. 1681c2 ( a ) that you immediately block and permanently delete from my credit report all accounts and information resulting from fraudulent activity tied to the recent data breach of which I am a victim.

I am not requesting action I am demanding compliance with federal law. The continued reporting of fraudulent accounts not only violates my rights under the Fair Credit Reporting Act ( FCRA ), but also constitutes gross negligence on your part if not addressed immediately.

The following accounts, which are entirely fraudulent and were opened without my knowledge or consent, must be blocked from appearing in any consumer report you prepare : XXXX bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2800.00} Attached are the following supporting documents, as required by 15 U.S.C. 1681c2 ( a ) : A copy of my government-issued photo ID A copy of my FTC Identity Theft Report ( or police report, if applicable ) Proof of address A statement of dispute, identifying the fraudulent accounts and affirming that I did not open them and that they were the result of identity theft I remind you that under the law, you are required to block the information within 4 business days of receiving this notice. Failure to do so is a clear violation of federal law and may subject your organization to formal legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. I am fully prepared to pursue all legal remedies available to me.

This matter is non-negotiable. Any delay, negligence, or failure to comply will be treated as willful noncompliance. I expect written confirmation from your agency within ten ( 10 ) days that all fraudulent accounts have been removed from my file and are permanently blocked from reinsertion. 

Sincerely, 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 2025-07-02 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief