vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested validation of both alleged debts, but XXXX provided no signed agreement, no proof of ownership and no chain of title. For XXXX of the accounts I was specifically told that they could not provide any information and they threatened to sue me if I did not make a payment towards an account they werent willing to validate. The accounts have also never been removed from the credit profile while under investigation ; quickly being returned as validated. Reps via phone are demanding, hostile and reluctant to provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. At that point, my Irish phone number was stored in my PayPal account. I wasn't using the account much at that point, but I recently accessed it and realized that the old Irish phone number that I no longer have access to is still stored on my account. 

Problem XXXX : There is no way for a user to delete phone numbers stored on our accounts. I dispute this and believe that this is a major security issue. There should be an option for us to delete phone numbers stored on our accounts. 

Problem XXXX : When I tried to change that phone number, the interface told me that my standard US formatted phone number was too long and had to be shorter. This makes absolutely no sense. I tried over several weeks to see if it had fixed itself, but I still got the same issue. The same happened when I simply tried to add a new phone number.

Problem XXXX : It was very difficult to get in touch with customer support. I finally googled PayPal 's US customer service number and called them to see if they could help me. The agent speaking to me was absolutely clueless about what was going on. Among the solutions she offered, the most outrageous ones were " get a different phone number '' and " speak to your phone service provider. '' Problem XXXX : The agent was also unable to remove my Irish phone number, despite my efforts explaining how this is a security concern. I am XXXX consumer, they have all the power here, and they can't even make sure my account is secure. They offered no resolution to the issue and I told them that I would be reporting them to CFPB and I asked them to note this feedback that this is an issue, for them to process this internally. The agent didn't respond to this and just thanked me for my patience and wished me a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

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 XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries were created as a result of identity fraud. I did not authorize, open, or apply for any of these accounts or loans. I discovered the fraudulent activity in XX/XX/XXXX. I am requesting that all fraudulent accounts and unauthorized hard inquiries listed below be removed from my credit report immediately. 

Fraudulent Accounts : XXXX Bank XXXX XXXX XXXX start date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX XXXX XXXX start date : XX/XX/XXXX Amount : {$0.00} I did not open or authorize this account. 

Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX BANK XX/XX/XXXX XXXX  XXXX BANK XX/XX/XXXX I did not apply for credit with any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
XXXX XXXX INT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX INT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and XXXX  Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : Account Number : Balance : Inquiries :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Subject : Mishandling of Loan Recast Request by NewRez Details : I purchased a home XXXX months ago, and my mortgage servicing was transferred to NewRez. 

On XX/XX/year>, I deposited {$80000.00} to initiate a loan recast. 

Since then, I have received contradictory and inaccurate information from multiple NewRez representatives : On XX/XX/year>, a representative told me the recast was complete. 

The online account still reflected the old payment amount. 

The automated system says the recast is complete, but live agents say it is still pending. 

I was told I must pay a {$250.00} processing fee, but representatives gave conflicting instructions ( deduct from deposit vs. pay separately ). 

A supervisor promised a XXXX email, but I never received it. 

On XX/XX/year>, I was told a mailed acknowledgment would arrive next week. 

Impact : I have been misled repeatedly, wasting significant time and effort. 

The recast process has been delayed for over XXXX weeks despite my timely deposit. 

The companys contradictory communication has caused confusion and financial uncertainty. 

Requested Resolution : Immediate completion of the recast with correct monthly payment adjustment. 

Written confirmation of the recast terms. 

Assurance that fees and deposits are properly applied. 

Investigation into XXXX customer service practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase advertised a {$750.00} bonus for opening a Chase XXXX XXXX XXXX XXXX account with these requirements : Deposit {$20000.00} within XXXX  days, Maintain that balance for 60 days, Complete XXXX qualifying ACH credit transactions within XXXX  days, Bonus paid within XXXX  days after all requirements are met. 

I opened my account ( typed in my email promotion offer code ) on XX/XX/XXXX, deposited {$20000.00} on XX/XX/XXXX, completed XXXX XXXX credit transactions by XX/XX/XXXX, and maintained the balance through XX/XX/XXXX. The bonus was still not paid after XX/XX/XXXX. 

I contacted Chase multiple times for resolution : XXXX Told the bonus was processing in XXXX business days. 
XX/XX/XXXX Called again ; issue escalated to the research team. Case # : XXXX. 
XXXX Received a secure message stating I was unqualified. I responded disputing this. 
XXXX Called again ; agent sent a message to the case XXXX to review within XXXX business days. 

XXXX  stated reason for denial was that I did not complete XXXX qualifying transactions within XXXX  days. This is incorrect. I repeatedly informed Chase that the XXXX XXXX credit transactions made on XX/XX/XXXX should be counted toward the XXXX required qualifying transactions, but Chase has refused to acknowledge them.

I met all requirements, and Chase is withholding the advertised {$750.00} bonus despite multiple attempts to resolve the issue. I am requesting that Chase honor the bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am disputing the following items on my TransUnion credit report because they may contain inaccuracies or unverifiable information. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA INQUIRIES CONSUMERS XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Please confirm the permissible purpose of these inquiries or remove them if they were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage has not paid property taxes to our county, XXXX XXXX, Maryland. The taxes were due in XXXX, 2025. Another bill is due for the end of the month of XXXX, 2025, with a total close to {$9000.00} including penalties from the first missed tax bill. 

The balance that covers the property taxes is in our escrow account, however, Freedom Mortgage is still " investigating '' the issue. We have received multiple tax delinquency notices from the county. 

After calling Freedom Mortgage relentlessly, they still state they need investigation time to look into the property taxes. This has been an issue for the past month and no action has been taken to pay the taxes. We have called XXXX XXXX and they have stated that Freedom Mortgage should be paying the taxes on our behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
XXXX credit cards reported balances of $ XXXX dollars, had previously been paid off and the payments zeroing out the {$100.00} charge to each ( only used to keep accounts active and open ) has already been paid. Transunion dropped by score XXXX points for XXXX balances of {$100.00}. Transunion is a scam. Transunion is in collusion with multiple credit card issuers to keep scores low to offer high interest rate cards. Transunion is paid by the credit card companies to advertise for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA XXXX. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX CARD ] [ XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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