vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized digital ad charges applied to my account by XXXX XXXX ( XXXX ) on XX/XX/year>. 

I had created a small XXXX ad campaign with a daily budget of {$2.00}. On XX/XX/XXXX, my ad account was suddenly restricted without explanation. That restriction is what alerted me to a problem.

When I investigated further, I discovered that XXXX had attempted to charge my business debit card multiple times that same day including : * Three separate {$100.00} charges ( one of which was declined ), * One {$200.00} charge, and * One {$300.00} charge ( also declined ).

In total, {$400.00} was successfully withdrawn from my account, despite my ad budget being set at only {$2.00} per day.

While reviewing my account, I also discovered an unauthorized user listed under the name XXXX [ XXXX  ] XXXX  in my Business Manager. I removed the user immediately, though I can not confirm whether they initiated the ad activity or charges.

I submitted refund requests for {$300.00} of the {$400.00} charged. When I attempted to request the remaining {$100.00}, Metas system repeatedly gave an error ( Something went wrong ). All refund requests were later denied, and I have since lost all access to my ad account. Meta has provided no option to appeal or speak to support.

I plan to initiate a chargeback with my bank, but they can not begin that process until XX/XX/year>, unless the charge is finalized sooner. In the meantime, I am out {$400.00} a major financial loss for my small business.

These funds represented my entire ad budget, and as a result of Metas actions, I am now unable to advertise or invest in marketing elsewhere. This has caused serious disruption to my business and potential income.

I am requesting a full refund and a formal review of this incident. I have documentation of my ad settings, billing records, system errors, and support history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
On XX/XX/2025, I applied to New American Funding ( NAF ) for what should have been a simple, lowrisk loan : XXXX XXXXXXXX backed by a XXXX XXXX property, with perfect credit, substantial retirement savings, and significant real estate equity. Over a fiveweek period, the Senior Loan Officer repeatedly assured me the loan was on track and would close smoothly. On XX/XX/XXXX, I was told the appraisal came back great, that we were good to go, and that closing could be scheduled. 

XXXX XXXX Attempt Rural Classification The first loan was verbally cleared to close, then denied at the last minute because the appraisal labeled my property rural despite it being inside city limits and valued far above the loan amount requested. This was never raised as a concern during nearly a month of processing. The Senior Loan Officer said she was as surprised as I was.

Second Loan Attempt Property in a Trust I was moved into another loan product intended to address the rural issue. It reached the status of Preparing Notary Documents for Closing before being denied because my home is in a trust a fact known from day one. No one requested clarification, documentation, or gave me an opportunity to amend the trust. When I offered to fix it immediately, I was told I would have to reapply and start over.

Financial Impact Based on repeated assurances, I committed to a timesensitive purchase requiring a {$31000.00} CAD ( ~ {$23000.00} USD ) nonrefundable deposit. Both denials came too late for me to arrange alternative financing, and the deposit was lost. Multiple hard credit inquiries also lowered my credit score unnecessarily. Concerns Both issues the rural classification and property in trust were known from the start and could have been resolved in the first week. Instead, they
surfaced only at the very end, twice, after being told we were near closing. This reflects a disconnect between NAFs sales team and underwriting, leaving both the borrower and loan officer blindsided.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-04 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To earn our business over other banks, the Wells Fargo representative assured us that if we took out a loan with them, they would eliminate any prepayment penalty for refinancing with Wells Fargo or making early payments. This information was included in the agreement as instructed by the agent. When we refinanced with Wells Fargo, they charged us over {$100000.00} for a prepayment penalty. To justify their action, they said the new rate would replenish this amount in a short period. I was extremely upset, but with no recourse. I especially told them that going forward, under no circumstance, could they charge me again for prepayment penalty. The agent instructed me, as he had done before, to write this agreement, which I did. A few years later, I paid off the loan, but to my shock, I was charged a prepayment penalty of over {$50000.00}. I was furious, and confronted the loan agent admitted they made a mistake, and I should not have been charged a prepayment penalty. They said they would send a new contract excluding the prepayment penalty. When I received the new contract, I noticed they had removed the prepayment penalty and replaced it with repricing for the same penalty amount. I had never heard of this term or been told that they could charge me for repricing. To this date, they can not explain why they changed the wording to " repricing. '' I was never told this information before getting the loan or at payoff.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-04 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I recently reviewed my credit report and was shocked to find a 30-day late payment reported by Synchrony Bank ( TJX XXXX XXXX ) for XX/XX/year>2025. I did not receive any statement or notification regarding a missed payment, and I believe this may have been caused by either a failure in their billing system or my bank temporarily blocking my account due to suspected fraud during that time.

I have maintained a positive history with this creditor and was unaware of any payment issues until this derogatory mark appeared on my report. Ive contacted Synchrony Bank requesting a goodwill adjustment, as this single late mark is significantly affecting my credit score during an urgent timeI 'm in the process of closing on a home within the next 30 days.

Im seeking assistance in having this late payment removed, as I believe it was either reported in error or without proper notification. I also request that any associated late fees be refunded.

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 monetary relief
Consumer complaint received 2025-08-04 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a debt originally with World Acceptance Corporation ( World Finance ), which is now being reported by a third-party debt collector, XXXX XXXX XXXX XXXX .

I am formally requesting written confirmation of whether this debt has been charged off, canceled, or forgiven. If a 1099-C was issued for this account in accordance with IRS 26 U.S.C. 6050P, I request a copy for my records. If the debt has been canceled and reported to the IRS, continued reporting to the credit bureaus as a balance owed is misleading and may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

The reporting status appears to reflect no payment activity, and I am unsure whether the current balance is accurate or legally enforceable. If the account has been sold or transferred, I ask that World Acceptance Corporation provide a statement confirming the nature of the transfer and whether they or the third-party collector has issued a 1099-C.

I respectfully request that you : Provide confirmation whether a 1099-C has been issued.

Investigate any inaccurate or misleading information currently being reported.

Delete or correct the account if it is no longer collectible or was discharged.

Please respond promptly through the CFPB portal.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

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

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-04 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 - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief