vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I called CareCredit customer service to have them make a payment and asked them about paying off a specific promotion, which they said I could do next time I called in to make a payment. I then called to make my next payment the following month and told them to apply the money charged to the specific promotion so that one was paid off. They charged my card to amount I told them to but I had noticed they took it off my total monthly amount due. I called in to see what was going on and they told me I couldn't do that until my monthly amount was paid off after previously telling me I can charge it to a specific promotion without having to do that. I let it go and paid my monthly amount. this month i called and made the monthly payment, then the total amount owed on the promotion to see if that way worked like they had said. while calling this time also I told them about the problem occurring with people saying different things and she proceeded to get an attitude and told me the same thing the first person told me. I asked again to reassure this was going to this specific promotion and she continued with her attitude and didn't answer the question. All calls are recorded so there is proof I told them and ask for reassurance that's where the payment was going this month and proof that they said I could and had made the original payment the way they said I could before the second person changed what I could do as far as how payments worked.

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 2025-07-16 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have submitted multiple disputes regarding inaccurate collections accounts that continue to appear on my credit report, despite my efforts to have them removed. M & TBank ran a hard inquiry on my credit report on XXXX, but I never applied for credit with them or gave permission for this pull. I have no idea who or what lending company this even is. This unauthorized action is showing up on XXXX XXXX XXXX XXXX and is unfairly dinging my credit score, causing excessive inquires. Ive been working hard to rebuild my credit after resolving an identity theft issue, and this erroneous inquiry is holding me back from loans and lines of credit I genuinely need. Please remove all M & TBANK inquires from all three credit bureaus immediately so that my report accurately reflects only the inquiries Ive authorized. I want to clarify that this inquiry is not mine and was likely the result of identity theft / data breach that occurred around XXXX. I have been actively working to rebuild my credit and restore my financial standing to where it was prior to the fraudulent activity. Most of the fraudulent stuff has been removed. However, the continued presence of this inquiry is still negatively impacting my credit to this day, showing excessive number of fraudulent inquires that I never made. Thank you for your prompt attention to this matter.

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 2025-07-16 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: GA

Complaint narrative:
I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I'm asking you to verify is accurate. 
XXXX XXXX XXXX Account Number ( Last 4 ) : 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
United Collections bureau of the representative XXXX states to my husband calling him AGAIN. That i answered my phone at XXXX and hung up on her. I have not received any phone call from united collections bureau. She told my husband if she has to deal with XXXX XXXX ( my representative resolution agency ) that there will be an extra fee and that XXXX XXXX has not made a payment yet. Im confused on how XXXX XXXX never contacted them and now its " Oh. They never made a payment. '' Then, she goes on to tell my husband that this is the second collection agency for these debts. Im unsure how its the second when I've only received letters for from United Collections Bureau. XXXX tells my husband, that she is not calling XXXX XXXX and they can call her. Yet, they have been getting letters and changing their stories constantly. I told them to not contact us anymore. I will be giving XXXX 's number of XXXX to XXXX XXXX. XXXX told my husband they do not want to negotiate the debts and the debts are non-negotiable. They are admitting refusing to deal with it after being told. psecu was the orginial holder where the contract was with, XXXXXXXX XXXX tried contacting them and they refused to answer before selling to collection agency.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Several hard inquiries were made to my Equifax credit file by companies I never applied for or authorized, including XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX and XXXX ), and XXXX XXXXXXXX XXXX XXXX  ( XXXX and XXXX ). These inquiries occurred without my consent or a permissible purpose in violation of the FCRA, specifically 15 USC 1681b, which prohibits access to a consumer report without a valid reason. This situation mirrors XXXXXXXX XXXX XXXX, where the court ruled that unauthorized credit pulls without a legitimate purpose violate the FCRA and entitle the consumer to damages. I demand the immediate deletion of these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$4900.00}

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 2025-07-16 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: IL

Complaint narrative:
I recently got a copy of my credit report and saw multiple inaccurate accounts that do not belong to me and are damaging to my character and moving forwards. I am taking all the steps to ensure recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I recently got a copy of my credit report and saw multiple inaccurate accounts that do not belong to me and are damaging to my character and moving forwards. I am taking all the steps to ensure recovery

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 2025-07-16 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: AL

Complaint narrative:
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 2025-07-16 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: NJ

Complaint narrative:
I NOTICED ACCOUNT ON MY CREDIT REPORTS THAT I DIDNT OPEN

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 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I maintain a reliable payment record, so this error is unsettling. Please address and fix this issue quickly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase JP Morgan and the XXXX XXXX XXXX sent a lump sum of 5 pensions payments to me via international wire transfer with incorrect and missing information. The funds were sent by Chase on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to find out why my wire transfer had not arrived. On XX/XX/XXXX my banker in XXXX attempted to find the wire with the FED ID but discovered that my last name was mispelled, middle name missing and my account number was missing. XXXX XXXX XXXX XXXXXXXX was the intermediary bank for my bank in XXXX XXXX. My banker was unable to retrieve the funds, so I requested that the wire be recalled. XXXX asked for the wire to be recalled on XX/XX/XXXX. Now, 10 business days later, my funds still not have been found. Neither Chase nor XXXX XXXX XXXX XXXXXXXX will provide me with any information as I'm not a customer. 10 days is excessive to track a wire that can only be with Chase or XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I completed an ACH transfer for the amount of {$6900.00}. JP Morgan Chase blocked the transaction as " scam/fraud '' and called me. They had me answer a ton of security questions to verify my identity and then asked if I made the transaction. I answered " Yes ''. Because I did. They said they needed to ask me questions and proceeded to interrogate me over what the funds were for and how they would be used. I told them none of their XXXX business. Banks can not demand to know what I spend MY money on. They told me they would put a hold on my accounts if I did not reply. What the actual XXXX XXXX XXXX XXXX They were concerned I was being scammed or that I was committing fraud by transferring money XXXX. In order to prevent any delay in payment I disclosed I was purchasing a building and it was a down payment. They continued to hammer me... when will you get the product. How will you use it. Why do you need the building. I refused to answer their intrusive questions and told them to get lost. They ended up approving the transaction but not without violating my privacy. Since when do banks have the authority to demand what I do with my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I applied for mortgage assistance with Wells Fargo 3 times since XX/XX/year> due to serious medical hardship and a pending XXXX XXXX XXXXXXXX claim. I am also currently in XXXX  XXXX bankruptcy but not yet confirmed. Wells Fargo has filed an objection of my XXXX  XXXX so they can foreclose. On the most recent review I had. hud appointed advocate file on my behalf Wells Fargo called in 2-3 days after saying I was awarded a partial claim in the total amount of the past due in XXXX. Then a few days later denied me for a partial claim and instead offered a loan modification that increased my interest rate from 3.125 % to over 7 %, while also extending the term from 30 to 40 years.

This modification would cause me to pay substantially more interest, making the loan unaffordable and putting me at risk of losing my home. I have not signed the agreement.

I believe Wells Fargo is failing to offer a fair, sustainable solution as required by loss mitigation rules, especially given my documented financial hardship and medical condition. After repeated complaints filed within the executive office at Wells Fargo and months of waiting they did nothing.

I am asking the CFPB to investigate and require Wells Fargo to review this case for a fairer and more affordable alternative as well as so the research and apply any available mortgage assistance programs available.

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 2025-07-16 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: HI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 explanation