vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My Wells Fargo credit card was turned off ( deactivated ) by me and/or Wells Fargo XXXX At the time of deactivation, the account had a XXXX balance, and I was unable to make new transactions. 

After the card was turned off, Wells Fargo still allowed an XXXX XXXX renewal charge to post to the account. Because the account was deactivated and I could not use it, I did not expect or authorize any new charges. The bank then began assessing interest and late fees on that balance, even though the charge should not have gone through on a deactivated card. 

Wells Fargo later reported a late payment to the credit bureaus based on this charge. When I learned about the charge, I paid the account in full and closed it, but the late payment remains on my credit report. As a result, my credit score dropped 1XXXX points, significantly damaging my creditworthiness and financial stability.

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 2025-11-11 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you XXXX have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: SC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you XXXX have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: IL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 writing to dispute the following information on my TransUnion credit report that I believe to be inaccurate, incomplete, or otherwise misleading. 

Charged-Off Accounts : [ No charged-off accounts listed in the provided data ] Inquiries : SPARROW : Inquiry on XX/XX/year> Late Payments : XXXX : Account number ending in XXXX SELF / LEAD : Account number ending in XXXX XXXX XXXX : Account number ending in 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 2025-11-11 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: GA

Complaint narrative:
I am submitting this dispute to have the following items reinvestigated under the FCRA. Several accounts are listed as charged off or delinquent, though I believe they are either inaccurately reported, paid, or unverified. 

Charged-Off Accounts : XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX TAB Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} UPGRADE XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$0.00} These accounts show {$0.00} balances, yet are still marked as charged off, which appears inconsistent and misleading. Please verify the accuracy of these designations and provide documentation from the original creditors. If verification can not be obtained, I request deletion of the accounts from my file. 

XXXX XXXX Accounts : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Guild Holdings Company
State: SC

Complaint narrative:
For approximately XXXX months from XX/XX/year> to XX/XX/year>, I worked with Guild Mortgage and provided every requested document, including income verification, tax returns, bank statements, and credit information. During this entire period, the loan XXXX - XXXX XXXX and his supervisor- XXXX XXXX repeatedly reviewed my file and explicitly assured me that we would be approved for a 6 % interest rate. I clearly stated to them that I did not want to order or pay for any appraisal unless they were certain that underwriting would approve my loan at the rate they promised. 

The loan officer and supervisor both confirmed that they had checked everything again, reviewed all documents multiple times, and even spoke with the underwriters to ensure that my file was complete and qualified. Only after those assurances did they tell me it was safe to proceed with the appraisal. 

Misrepresentation and XXXX XXXX on their repeated assurances and their review of my documents, I paid {$650.00} for the appraisal. Immediately after the appraisal was completed and paid for, I received a message from them stating that they could not approve the XXXX XXXX rate, and that the actual approval would be at XXXX XXXX, or XXXX XXXX if I purchased discount points. This change was completely unexpected and directly contradicted the months of confirmation they provided. 

When I questioned the change, they told me that they had missed something in my documents and apologized. However, they had reviewed my documents multiple times over XXXX months, including immediately before instructing me to proceed with the appraisal. Their failure to identify underwriting issues before directing me to pay the appraisal is either negligent or misleading, and it caused direct financial harm. 

Because of their error, I was left with an appraisal that can not be used with the lender who ultimately approved me at XXXX XXXX only in XXXX weeks as they used different program. My new lender used USDA with significantly better conditions for closing costs as well while Guild Mortgage told me that USDA loans are with higher rates and more costly. I have therefore lost the entire {$650.00} appraisal fee solely due to their misrepresentation. 

Lack of Response I sent XXXX written requests to the lender- XXXX XXXX asking for reimbursement of the appraisal fee. They did not respond to either message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of a XXXX late payment being reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for XX/XX/year>. 



I have never received verifiable proof or documentation confirming the accuracy of this alleged delinquency. I mailed formal dispute letters to all three credit bureaus on XX/XX/year>, requesting verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 



This entry is inaccurate and misleading, and it does not reflect my established payment history with XXXX XXXX XXXX XXXX. The continued reporting of this unverifiable information has caused measurable harm to my creditworthiness, including a lower XXXX XXXX, adverse credit decisions, and reputational damage. 



Under the FCRA, you are required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified as accurate and complete. I request that this account be reviewed thoroughly and that the bureaus obtain documentation directly from XXXX XXXX XXXX XXXX confirming the alleged late payment with clear evidence. 



If such documentation can not be produced, the item must be deleted immediately to comply with federal law.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC, as the current owner of this alleged debt, is using or permitting XXXX separate, unrelated third-party debt collection entitiesResurgent Capital Services XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX collect, contact me, and/or report this same single debt on my credit file. 
This practice is causing significant confusion and potential harm, and I believe it constitutes a deceptive and unfair practice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, and XXXX violate the Fair Credit Reporting Act ( FCRA ) concerning the reporting of inaccurate or duplicate collection accounts. 
Under legal standards, only XXXX entity can have the right to collect, service, and report a debt at any given time. The simultaneous use of XXXX or more collection agencies to pursue a single debt is misleading as to the status of the debt and creates a false appearance of multiple or escalating collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
I am reporting multiple inaccurate, duplicate, and potentially fraudulent items on my consumer credit reports that have not been corrected following formal disputes. These items include duplicated student loan entries from the Department of Education XXXX XXXX showing XXXX day delinquencies during periods where deferment or forbearance should have applied, a collection account from XXXX XXXX XXXX XXXX XXXX ) for which I have received no validation, a paid collection from XXXX, XXXX still reflected derogatorily, and an auto loan reported as " paid in settlement '' though I contend the balance was satisfied. 
These errors are materially harming my credit score and financial opportunities,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
b'OneMain Financial has charged me numerous XXXX  return check fees for my payments made even though I have proof for my bank that the payment cleared on a different day by debit card they insist I have a return fee when my bank doesnt even show a payment attempted and ran that day. I was told today by OneMain Financial that it doesnt matter if I have the proof for my bank, theyre still gonna charge it to me because they say I owe it so I wanted to see if its possible if someone could look over my account Ive had four years been paying out a loan for XXXX and Im down to the last XXXX and its Im being charged a return check fee now from XXXX XXXX just now its being added to my account for a transaction on a date that I didnt make a payment. I made my payment a different day by debit and that transaction happens to be by ACH so I I did put a stop payment so One Main shouldnt have been able to withdraw the payment automatically like that but theyre insisting that I owe that and I have had the same thing happen in the past and gave up on trying to rectify it, even providing them with proof of payment from my bank didnt seem to fix it so Im just asking for your help if you could look into it for me and see because its the people that worked there or not easy to talk to theyre very aggressive and really not that friendly right out of the gate when you when you get on the phone with them and Im not even given they dont even wanna look or check or help me. They just tell me that I owe it doesnt matter what I do I could send them bank statements like I have in the past, but it wont matter cause I still owe it so because they say so, but even though the bank doesnt show it ran on that day. Ignore anything retarded none of my One Main statement since January even reflect the return fee on them but all of a sudden a week ago it popped up that I owe it from January so I cant speak with the office there so Im wondering if someone could advocate for me on it and see what I could do about all the excessive return fees that I dont show on my end thank you\n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint because Navy Federal Credit Union is attempting to collect on an account without providing proper validation of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: WA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am writing this complaint because there is a collection that is reporting to my credit report that i have no idea of or no relation to. This needs to be investigated and removed from my consumer report. My credit score is hindered due to this and the credit agencies refuse to help. Please assist and help me with this collection account as it in unauthorized. 

XXXX XXXX XXXX Date Reported : XXXX XXXX, 2025 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year> XXXX dallars was tooking out my account unauthorized by a merchant that doesnt exist. I gave cash app a call to investigate and they told me that they couldnt put my money back on my card my money was stalling off my card or some hackers broke into my account and stole my money and I could see cash app didnt investigate otherwise they see that I didnt make no transaction or authorize anything took off my card

Company response to consumer: Closed with explanation