vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 2 credit inquiry that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRIES ACCOUNT : EXPERIAN INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-23 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:
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 2025-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Since initiating a refinance application with Freedom Mortgage on XX/XX/scrub> 2025, I have experienced continuous delays, repetitive document requests, and a severe lack of communication. Despite submitting all requested documentation in a timely manner, my loan has still not closed. 

My refinance was scheduled to close on XX/XX/year>2025, but I was notified at the last minute that it would be postponed again with no revised date provided. I have complied with every request, but the process has been prolonged without justification, and Ive received no clear communication or accountability from their loan team. 

As a result of these ongoing delays : Ive been forced to borrow thousands of dollars from friends and family to cover living expenses while waiting on this refinance to be completed. 
The situation has caused me to incur additional debt, rather than providing the relief this refinance was intended to offer. 
The constant interruptions and requests have negatively impacted my job productivity, adding further XXXX  and disruption to my personal and professional life.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: IN

Complaint narrative:
XXXX XXXX ( Account ending in XXXX ) : Marked as 30 days past due. This debt is inaccurate/unverifiable. 
XXXX XXXX XXXX ( Account ending in XXXX ) : Discharged in Bankruptcy should not continue reporting negatively. 
HARD AND SOFT INQUIRIES : 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 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 explanation
Consumer complaint received 2025-06-23 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

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 ] Account Number : [ XXXX ] 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 non-monetary relief
Consumer complaint received 2025-06-23 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: 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 Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
hello i have a account on my credit report which has 30 days late which is incorrect. 
at these dates i had reuested deferments on my payments due to hardship and was approved.please look into this and correct my credit report. XX/XX/scrub>/2024 XXXX XXXX XXXX account # 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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/year> I was informed about this account and called chine, inquiring about this unknown account. that I did not authorize the opening of this account, I have been a victim of fraud for years. I request the account be closed and marked fraudulent. 
phone call verification XXXX XXXX XXXX confirmation email, account has been closed closing check XX/XX/year> police report XXXX I have additional dispute with the credit burels if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XX/XX/XXXXcredit 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 AL XXXX ACCOUNTS : XX/XX/XXXXXXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$990.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XX/XX/XXXX- Account Number : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XX/XX/XXXX Account Number :XX/XX/XXXX-, Date Opened : XX/XX/XXXX, Balance : {$680.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00}XX/XX/XXXX - Account Number XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}XX/XX/XXXX Account Number XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Issue : XXXX  ( PayPal, Inc. ) has closed my account and is refusing to release my funds. 



Details of the issue : On XX/XX/year>2025 XXXX  recently closed my account without warning. I received a vague notice stating that my account was permanently closed due to a violation of the User Agreement, but they have refused to provide any specific explanation or evidence of the violation. 

Most importantly, they are now holding my remaining balance of {$5000.00} without providing a valid reason or timeline for releasing the funds. I have contacted XXXX  customer support multiple times, but I either receive generic responses or am ignored. 

This is unacceptable. I am entitled to my own money unless a legitimate legal reason exists to withhold itand so far, XXXX has not provided one. If there was a mistake or flag, I am willing to provide any documentation needed to verify my identity or clarify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit card was stolen just after midnight on XX/XX/year>. I reported the card stolen in the morning and called Wells Fargo to dispute the claims with the agent telling me I executed my side to textbook perfection. This call was never actually logged with Wells Fargo and does not reflect in my account notes. I noteliced a new charge on the replacement credit card i had not yet received so i called back on XX/XX/year> to be told there was no record to show i had previously called and that she would resubmit my claims for investigation but as it hadnt been 11 business days since i had opened my investigation ( which i had been told there was no record of ), i couldnt follow up on my claims for either of the fraudulent charges. Today i noticed that the previous balance was simply rolled into my new credit balance while hiding the itemized charges. A quick investigation online shows this is a common practice with wells fargo by telling customers ( including me when i called to escalate today ) that the charges were mistakenly attributed to the long closed card. This is fraud plain and simple and a few XXXX dollars per account means that wells fargo rakes in billions in closed investigations. Please do something about this as i dont trust them to resolve after this latest call.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
I got offered a job at XXXX XXXX. I need this job for my family! The email to initiate the background check was sent to me on XX/XX/XXXX and I completed it on XX/XX/XXXX. I had the drug test completed by the XXXX. Today is XXXX XXXX and still no results. I have contacted hire right many times and they give me the same story. First they told me it would be completed by the XXXX and then today they tell me the XXXX but in actuality I dont think they have any idea. They said they are only waiting on one record from XXXX XXXX, Ga. I called XXXX XXXX and I also called the XXXX XXXX XXXX XXXX. They said they are not contracted with hire rite and they have nothing to do with the check. I need help getting this completed. I really can not lose this job and I am supposed to state XX/XX/XXXX. XXXXXXXX XXXX XXXX  have been able to get this same information in 2 weeks! It should not take one month!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I discovered that Equifax is reporting a collection account from LVNV Funding that contains multiple factual inaccuracies and inconsistencies that are materially damaging my credit profile.

The account is listed as open, which is not a valid status for a third-party debt collection account. It also includes inaccurate payment history such as 120 days late and multiple 90 days late remarks, which mischaracterize the nature of the debt. 
There is no listing of the original creditor, no date of last payment, and no accurate date of first delinquency. This violates FCRA 623 and Californias CCRAA, which require furnishers and CRAs to report only complete and accurate information.

Additionally, I never received any initia
l debt validation notice within 5 days of contact from the collection agency, in violation of the FDCPA ( 15 U.S.C. 1692g ).

I have submitted disputes to Equifax requesting verification, but the agency continues to report this data without providing a meaningful reinvestigation or correction. 

I am requesting the CFPB investigate and require Equifax ( and/or the collection agency ) to provide evidence of the debt and correct or delete the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I have been in contact with the credit buraus in reference to my personal information being exposed in a data breach and accounts that i did not authorized being added to my credit report. I have sent 4 letters disputing this information and the bureaus are violating by not completing a reasonable investigations and removing these unknown accounts off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am formally disputing multiple accounts on my credit report that are unfamiliar and unauthorized. I had no involvement in their creation and suspect fraudulent activity. As per 15 U.S. Code 1681g, I am requesting the deletion of these accounts within 15 days. I have attached supporting documents to verify my claim and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I made my payment on XX/XX/year>. The payment still has not been added to my account. When I try to call it's very hard to get through to someone. When I finally get through they transfer me to someone to further investigate why they have taken my money but not yet applied it to my account. Then I am put on hold for several hours. I do not have several hours to wait so I try again later. It is the same process with the same wait time. If they are the only option for my student loans they really should be able to process my payment to my account in a timely manner as well as having a better option than waiting on hold for over 2 hours. I am currently on hold with them and am told that my approximate wait time is 2 and a half hours. This is beyond ridiculous and would not be tolerated in any other industry or business. It seems that since I have no choice who carries my loan they seem to think it is more than ok to waste the time of their customers rather than properly staff their business all in the name of maximizing their profits. These loans are now reported to my credit but the company is unwilling to do their part in processing these payments in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft and a data breach, which has resulted in several unauthorized accounts and hard inquiries appearing on my credit report. 

The following unauthorized accounts have been fraudulently opened in my name without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the following fraudulent hard inquiries have been made : XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize any of these accounts or inquiries. They are the result of identity theft and a data breach beyond my control. 

As a fair resolution, I am requesting that all of the above accounts and inquiries be permanently removed from my credit report and that any collection efforts related to them be immediately stopped. I am also requesting written confirmation once these items have been removed. 

Respectfully,

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
I'm not sure where this collection came from I saw it on my report.

Company response to consumer: Closed with non-monetary relief