vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The XXXX  accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: TX

Complaint narrative:
They settled with me for $ XXXX and they will remove delinquencies and collection charges from credit bureau accounts immediately but now they have sent me new letter with new amount $ XXXX. 
I agreed on the payment of $ XXXX which they offered me first and now refusing to accept this amount. 
I did sent acceptance through email with their offer.

Copy is attached for reference

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My american express card in business never arrived at my physical address. I'm a XXXX XXXX for the XXXX of Michigan. The issue is I provided sound stable conversation concerning a replacement card. The current information that were given was very illicit. The customer service agents sounded confused and perjued on what was said. For example, they don't any longer have American express travelers cheques as well. I very concerned and my credit was affected and I have no opportunity to reapply. The evidence that I currently have is a profile with the American express blueprint business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a message stating that my wells fargo account was being compromised and that there was an transaction being done for {$2700.00} a supposedly wells Fargo agent contacted me and starts to supposedly help me confirm my previous transactions to make sure that there was no other fraud fees to my card ( I believed him because two weeks prior wells fargo blocked my account due to suspicious activity ) so he proceeded to tell me that an XXXX XXXX under the name of XXXX had access to my account and that the bank had to provide me a new account and routing number due to the fact that I was already compromised so he tells me that I had two options either wait for a check to be sent home to me with my remaining balance or I can deposit my money to an existing account it being XXXX XXXX or XXXX I opted for XXXX XXXX he proceeded to tell me that my wells Fargo account was frozen after retrieving my money I had deposited my savings and my regular account to my XXXX XXXX  so all my money was gone he then says to help me out he was gon na help me open my digital account so that I can proceed to put my money back into my account which I did so he helps set up an account to my XXXX XXXX and tells me to deposit all the money to said card and that I would shortly receive an email stating everything that was discussed and how to proceed with my XXXX  XXXX so we ended the call and I waited for the email that never came I then called my bank to see what was taking long and they tell me that it was not an agent from wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
My name is XXXX XXXX, and Im filing a complaint because the credit bureaus are allowing inaccurate reporting on my credit file. 

Here are the accounts in question : XXXX XXXX ( {$3600.00} ) Each bureau reports different late history and charge-off remarks, which makes it impossible to know which ( if any ) is correct. 

XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ) TransUnion shows this account as disputed, meets FCRA, while Equifax lists it as a collection, 120 days late. This is inaccurate and misleading. 

XXXX XXXX XXXX XXXX XXXX ( {$730.00} ) TransUnion shows placed for collection, Experian shows it as closed, and Equifax says subject has not satisfied debt. These can not all be true.

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 2025-09-03 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: VA

Complaint narrative:
Transunion is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My account was hacked late XXXX someone made purchases and withdrawsla on my account in XXXX someone hacke dmy XXXX  and stole XXXX $ out of my account and cashapp said there wa snothing they could do i was also hacked on the one pay banking app someone opened a line of XXXX XXXX my name then advanced XXXX $ and one bank made ME pay it bACK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VANDYK MORTGAGE CORPORATION
State: IL

Complaint narrative:
To Whom It XXXX Concern, I am disputing the accuracy of the following account on my XXXX  credit report : Creditor : [ Name from Report ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] This account is reporting inconsistently across the credit bureaus. While other agencies report it differently ( some showing paid on time, others collection/charge-off ), XXXX  is displaying data XXXX is both conflicting and misleading. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), XXXX  is required to ensure maximum possible accuracy. Conflicting information between bureaus proves that the data is unverifiable, requiring deletion under XXXX ( a ) ( XXXX ). 

I am demanding immediate deletion of this account from my XXXX  file. Please provide written confirmation within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  CBNA Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
XXXXTHE NERVE OF YOUR COMPANY NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY XXXX XXXX                   I NEVER GAVE CONSENT TO USE PINKEY HURLEY IN COMMERCE WHO ARE YOU XXXX XXXX                                                                                  PLAINTIFF: XXXX XXXX                XXXX DEFENDANT: DEFENDANT: Caine & Weiner Company, Inc. XXXX number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE: ALLEGED ORIGINAL CREDITOR: XXXX   ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER: XXXX    ALLEGED DEBT AMOUNT OR BALANCE XXXXCERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXXDEAR: Caine & Weiner Company, Inc   BULK- DEBT COLLECTOR STOP VIOLATING THE FDCPA USC XXXX    EXHIBIT XXXX XXXX XXXX XXXXEXHIBIT XXXX: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE XXXXTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.   XXXX XXXX XXXX XXXX XXXX BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM  XXXXRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP  \nHARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX  IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW.   \nEXHIBITXXXX: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I XXXXREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- \nLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY  XXXXATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES   XXXX(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS   XXXXREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED   XXXXDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE   XXXXCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY XXXXINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF XXXXYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY XXXXALSO, YOU MAYBE SUED BY THE CFPB.  ABRUPTLY, XXXX XXXX XXXX XXXX  WITHOUT XXXXPREJUDICE without recourse BENEFICARY OF acct: XXXX XXXX NOT THE TRUSTEE'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am not associated with these accounts in any way and suspect fraud. Kindly delete them from my report and investigate further. Supporting materials are provided.

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 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo failed to provide accurate loan information and did not respond to my written requests ( QWRs ). 

My property was pledged in a warehouse line of credit one year before foreclosure, and the same parties connected to that warehouse line later acquired the home at foreclosure, creating a conflict of interest. 

Wells Fargo relied on a XXXX foreclosure order to foreclose in XXXX, well beyond the 180-day window, without returning to court for a new order. I never received the required No
tice of Default and Right to Cure before foreclosure. 

I was not properly served with notice when Wells Fargo obtained the original foreclosure order. 

Foreclosure notices that were provided were inconsistent and did not follow Texas law.

After foreclosure, the buyers attorney requested I sign a quitclaim deed ( unnecessary if title were valid ), and a belated Deed of Release was filed to retroactively fix title defects.

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 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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