vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are XXXX  my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent the below letter to Chase on XX/XX/year> : I am in receipt of your letter dated XX/XX/year> on XX/XX/year>. I DISPUTE that I owe any monies, much less that this account was closed. 

I informed your fraud department on XX/XX/year> that there was fraud activity on my then account ending in XXXX. We decided it was best to freeze the account so no other activity would be able to come through. I was told that the account would automatically close within 30 days. I had changed not only my password but my username several times out of paranoia. I was advised by XXXX of your representatives that it would be advantageous to open a new account, which I did the next day on XX/XX/year>. 

Long story short, I dont believe my new account should have been affected by the fraudulent activity that occurred on my old account ( XXXX ). From my understanding ( and your own website states ) Chases policy is a Zero Liability Protection when dealing with fraud ( attached ). This is the case : FRAUD. Please provide clarity on this situation. 

Chase has disappointed me in the handling of this fraudulent case. As I have stated before, I feel like I am a XXXX victim. I reported the XXXX ( fraudulent activity ), am now Im being told because of how I was dressed or the location I was in, I am responsible for the XXXX. I thought I would be protected, instead Ive been victim shamed. You have failed me! 

There needs to be a finality to this matter. I need to heal from this whole ordeal and the trauma that has been caused to me and my family. I kindly ask that you provide an answer to bring clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed some inaccurate accounts reporting inaccurate 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Goodwill Adjustment Request for Late Payment Removal Account Number : XXXX Dear XXXX XXXX XXXX I hope this message finds you well. Im writing to respectfully request a goodwill adjustment concerning a late payment reported on my account with XXXX XXXX XXXX. 

I understand that I was late in making my payment on my account previously when my mortgage was with you'll, and I take full responsibility for this oversight. The delay was due to a temporary financial hardship due to medical issues. Since then, I have taken steps to ensure timely payments with my current mortgage company. 

I have been a loyal customer and have made consistent, on-time payments aside from this isolated instance. I value my relationship with your company and am committed to maintaining a positive financial history. 

I kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill. I believe this adjustment would more accurately reflect my overall creditworthiness and commitment to repaying my debts responsibly. It'll help me be able to get another vehicle for my XXXX XXXX I to get around. 

Thank you for your time and consideration. I would greatly appreciate any assistance you can provide, and I look forward to continuing our positive relationship. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/year> I received a letter from PHH Mortgae Services stating that they were servicing my loan and would be collecting my next payment due on XX/XX/year>. On XX/XX/year> I received an email from XXXX XXXX XXXXXXXX stating that they had taken over services for my mortgage and they would be collecting mortgage payments effective immediately. On XX/XX/year> I paid XXXXXXXX XXXX XXXXXXXX for my mortgage loan payment, I contacted PHH Mortgage Services to confirm that they would not be collecting payment for my loan as service had transferred, a service representative confirmed this and said no documentation would be required. On XX/XX/year> PHH withdrew funds from my account through an unauthorized ACH Transaction for payment for the loan they are no longer servicing. After providing documentation to PHH that XXXX had confirmed the takeover of services and payments for my mortgage, PHH has been unable to answer any questions or provide documentation about why they withdrew funds from my account for payment without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correct attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep concern and dissatisfaction regarding the biased and discriminatory treatment I have experienced as a customer of Wells Fargo Bank.

Recently, I came into your branch seeking assistance to resolve an issue with my account. Instead of providing appropriate support, I was met with baseless accusations of dishonesty and misconduct. Specifically, I was accused of providing false information, which I categorically deny. As a result, my account has been blocked, creating unnecessary hardship and stress.

I firmly believe that the manner in which I was treated was influenced by racial bias and discrimination. The dismissive attitude, lack of professionalism, and unwarranted allegations are unacceptable and contrary to Wells Fargos stated commitment to fair and equitable treatment of all customers. No individual should have to endure prejudice or have their integrity questioned when seeking assistance.

I am requesting the following actions be taken immediately : 1. A complete review and investigation of this incident, including any records or internal notes regarding my account and the reasons for the block.

2. Removal of any restrictions placed on my account due to these allegations.

3. A formal written apology acknowledging the impact of this experience.

4. Assurance that corrective measures will be implemented to prevent similar treatment in the future.

Please consider this letter a formal complaint and request for resolution. If I do not receive a timely response within 14 business days, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau and other relevant regulatory agencies. 

I look forward to your prompt attention to this serious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I have always maintained excellent credit with a score over XXXX. Without any prior notification, Aidvantage reported XXXX student loan accounts as delinquent on my credit report after a rollback process I was never informed about. I was not given any opportunity to address or correct the issue before these delinquencies were reported, which caused a significant and immediate drop in my credit score. 

On XX/XX/year>, I discovered the delinquent reporting and immediately contacted Aidvantage through their websites chat system. I requested an explanation, a correction to the credit bureaus, or a written statement regarding their refusal to assist. Aidvantage representatives acknowledged the situation but told me there was nothing they could do and repeatedly refused to provide a written statement confirming their position. 

Despite my repeated requests, Aidvantage would not take responsibility for correcting the inaccurate reporting, even though they are the furnisher of this information and are obligated under the Fair Credit Reporting Act to report accurate and complete information. 

I am requesting that these delinquencies be removed from my credit report due to the lack of proper notification and Aidvantages failure to manage this process in accordance with credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm contacting about two accounts that were incorrectly charged off Acct : ending in XXXX & XXXX. Under email XXXX. Charge off amount of {$150.00} and {$120.00}. Please remove both of these from my credit. I put {$200.00} in both secured account. I used up only {$200.00} for both account and requested for cancellation of the accounts. You guys did not cancel the account but instead let it accrued interest and charged late fees when it was supposed to be closed. You then charged it off to the debt collector. Please remove from credit as I do not owe anything. I provided a copy of the letter I drafted XXXX XXXX XXXX where I mailed the letter and the ending balance before you refused to cancel the account and charged the account fees and interests. If this requires further evidence we can get the police involved to review me video surveillance of me entering into usps on the XXXX of XX/XX/XXXX to drop off the mail. We can also request to retrieve usps receipts of the mail. You mailed me the statements after I reported as your response to my claim. The statement literally shows proof that my purchase I made I was below my initial {$200.00} limit. I Orchestrated that because i wanted to cancel both accounts. I called and sent a letter like customer service said to do which I did. you can review the recorded phone call. I sent the mail saying that I wanted the account closed effective immediately. I didnt even care about the renaining unspent money I had on my accounts at the moment because it was like {$20.00} left for both accounts. I wasnt stressing about receiving {$20.00} as a check back in the mail. But you guys ignored my request. I dont know if this was retaliation for leaving or just straight incompetence but it needs to be rectified. I will not be held responsible for incompetence. If this can resolve through this channel, let us take this to court because at this point its really ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm contacting about two accounts that were incorrectly charged off Acct : ending in XXXX & XXXX. Under email XXXX. Charge off amount of {$150.00} and {$120.00}. Please remove both of these from my credit. I put {$200.00} in both secured account. I used up only {$200.00} for both account and requested for cancellation of the accounts. You guys did not cancel the account but instead let it accrued interest and charged late fees when it was supposed to be closed. You then charged it off to the debt collector. Please remove from credit as I do not owe anything. I provided a copy of the letter I drafted XXXXXXXX XXXX XXXX where I mailed the letter and the ending balance before you refused to cancel the account and charged the account fees and interests. If this requires further evidence we can get the police involved to review me video surveillance of me entering into usps on the XXXX of XX/XX/XXXX to drop off the mail. We can also request to retrieve usps receipts of the mail. You mailed me the statements after I reported as your response to my claim. The statement literally shows proof that my purchase I made I was below my initial {$200.00} limit. I Orchestrated that because i wanted to cancel both accounts. I called and sent a letter like customer service said to do which I did. you can review the recorded phone call. I sent the mail saying that I wanted the account closed effective immediately. I didnt even care about the renaining unspent money I had on my accounts at the moment because it was like {$20.00} left for both accounts. I wasnt stressing about receiving {$20.00} as a check back in the mail. But you guys ignored my request. I dont know if this was retaliation for leaving or just straight incompetence but it needs to be rectified. I will not be held responsible for incompetence. If this can resolve through this channel, let us take this to court because at this point its really ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm contacting about two accounts that were incorrectly charged off Acct : ending in XXXX & XXXX. Under email XXXX. Charge off amount of {$150.00} and {$120.00}. Please remove both of these from my credit. I put {$200.00} in both secured account. I used up only {$200.00} for both account and requested for cancellation of the accounts. You guys did not cancel the account but instead let it accrued interest and charged late fees when it was supposed to be closed. You then charged it off to the debt collector. Please remove from credit as I do not owe anything. I provided a copy of the letter I drafted XXXX of XXXX where I mailed the letter and the ending balance before you refused to cancel the account and charged the account fees and interests. If this requires further evidence we can get the police involved to review me video surveillance of me entering into usps on the XXXX of XX/XX/XXXX to drop off the mail. We can also request to retrieve usps receipts of the mail. You mailed me the statements after I reported as your response to my claim. The statement literally shows proof that my purchase I made I was below my initial {$200.00} limit. I Orchestrated that because i wanted to cancel both accounts. I called and sent a letter like customer service said to do which I did. you can review the recorded phone call. I sent the mail saying that I wanted the account closed effective immediately. I didnt even care about the renaining unspent money I had on my accounts at the moment because it was like {$20.00} left for both accounts. I wasnt stressing about receiving {$20.00} as a check back in the mail. But you guys ignored my request. I dont know if this was retaliation for leaving or just straight incompetence but it needs to be rectified. I will not be held responsible for incompetence. If this can resolve through this channel, let us take this to court because at this point its really ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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