vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( a ) ( XXXX ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report. 
Legal Basis for Dispute : Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 

XXXX Account Number : 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 Number : 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: RI

Complaint narrative:
In XX/XX/XXXX, a charge of {$21.00} was posted to my Discover card from XXXX XXXX. I contacted them immediately and told them I did not make this purchase, to dispute the charge, and to block any further payments to this company. I thought it was all set, since the customer service rep assured me it would be. But on XX/XX/XXXX, I noticed a charge to this company again ( on XX/XX/XXXX, for {$21.00} again ). This prompted me to look at prior statements and I saw that they never blocked these charges as they assured they would and I was charged this amount for XXXX years. I disputed them all, they initially gave a credit, but then XXXX XXXX send them documentation that the charges were authorized by someone else and gave his XXXX XXXX XXXX XXXX That person was my XXXX XXXX  ( who was NOT an authorized user of my Discover card ). Despite me not authorizing these charges, and despite XXXX XXXX stating in writing in emails ( attached ) that I never had an account with my XXXX XXXX XXXX XXXX Discover card still reversed the credits and is making me pay this company for a subscription I never received and never approved. This is HORRENDOUS ( and not legal ). 
Discover card never sides with their customers in disputes, which was also seen with a dispute I had for a {$71.00} purchase to XXXX XXXX on XX/XX/XXXX, in which I ordered a hair serum which then arrived completely empty ( it had spilled during shipment ). I sent pictures and documentation and Discover again sided with the company rather than their customer ( I've had this card for many many years and have spent XXXX figures a year on it, but have since cancelled due to their awful customer service ). Both of these disputes should be refunded to me, as Discover is clearly in the wrong ( it's all in writing, and very clear cut! ) PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its XXXX  to see my credit get XXXX  affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me XXXX and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.I request that you update these accounts to reflect no late payment entries on my credit report.

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 2025-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Company states that they explained everything and they didnt. 
I asked for a copy of the transcript of the phone call if it was recorded and she told me that was not going to happen but that she or a team mate would review it and that would take XXXX to XXXX hours on XX/XX/year> and that they would call after that. Its XX/XX/year> and still nothing I entered in to a XXXX month Payment arrangement on XX/XX/year> In this arrangement the lady stated that all late fees have been included for the XXXX months Company is stating that XXXX was when this was due, but that is not correct that would be XXXX  months XXXX is XXXX months. They are stating that XXXX is now added on top of the payment arrangement plus an additional late fee which is and was already added to the payment plan as it was set for XXXX months They claim the balance that was due was {$7700.00} that is the balance at the end of the payment Program They are now stating that the Mortgage has gone from {$1900.00} to {$2200.00} I have asked insurance if they have had an increase and they stated no. And I have my tax assessment that show that my overall taxes decreased. There is and has been no explanation as to this sudden increase. This increase would be a {$3400.00} increase per year. XXXX is sitting at XXXX and my taxes didn't go up XXXX and they can only legally increase by XXXX XXXX and that would be XXXX per year. 

However this was a XXXX repayment program not a XXXX and XXXX Marks XXXX months And this company does not call people back. I did call on XX/XX/year> from my office line so that I am not on a personal call on my cell phone during company time and I advised the person I was speaking to about that. 

I left XXXX messages for people to call me back on there automated system and never received that I had to call them and they stated this was my issue and there is nothing they are going to do that this is a high call volume and that basically I should have tried harder. I also sent emails to them and still never got a call back until I called at XXXX am on XX/XX/year> and was told sorry and that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AR

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$230.00}, XXXX XXXX balance {$140.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$230.00}, XXXX XXXX balance {$140.00},

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: VA

Complaint narrative:
I was enrolled in XXXX, which is a program that pulls money directly from your bank account when making rent payments to avoid using your available credit limit. However, when I tried to make a payment for rent on XX/XX/XXXX, XXXX instead charged directly from my credit limit ( of which, there was not a high enough limit to cover my rent ). As a result, I was charged a bounced check fee of {$45.00}. Turns out XXXX had unenrolled me from the XXXX program ( unwillingly ) and had to re-enroll. Once I did, I resubmitted payment and it went though.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo Auto due to their continued failure to address a serious case of forgery and fraudulent activity related to my auto loan. I purchased a vehicle from a dealership in New York, where Wells Fargo arranged the financing. However, I later discovered that the dealership had forged my signature on multiple documents, including the sales contract and the XXXX waiver form. The only page with my genuine signature is the warranty document. 

I submitted clear and undeniable evidence of this forgery to Wells Fargo, including side-by-side comparisons of my real signature and the forged ones. Despite this, Wells Fargo has refused to properly investigate or acknowledge the fraud. Instead, they continue to rely on prior complaint responses that never addressed the actual evidence Ive provided. This shows a clear attempt to deflect responsibility and avoid liability, rather than taking appropriate action to resolve a legitimate issue of criminal misconduct. 

XXXX XXXX repeated dismissals of this matter, without even reviewing or responding to the proof I submitted, demonstrates gross negligence and a possible cover-up. Forged documents are not a minor administrative errorthey are a federal offense. And Wells Fargo, as the financial institution that approved and executed the loan based on these forged documents, is complicit unless they take immediate corrective 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 2025-06-09 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
As my first XXXX complaints on this company and for the same reason have not been answered, I am writing again. The next time, I am getting the banking commission involved. Condescendingly, the company tells me that I have not made payments which I have, but they refuse to look at my statements and keep claiming I need to send them. XXXX XXXX sent them to their private portal. Meanwhile, their statements reflect unauthorized charges and suspect items of which they will not explain or defend. They have iterated in this XXXX back-and-forth correspondence that they will reach out to me. THEY HAVE NOT DONE SO. I AM STILL WAITING. I want a representative to go over this material with me. Otherwise, their lack of cooperation tells me all that I need to know about their integrity and ethics. Please assist or provide me with a higher authority to whom I can seek help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
i called and emailed ROCKET MORTGAGE is request my XXXX XXXX XXXX XXXX  they told me my score was XXXX however could not provide this disclosure in writting the man i spoke with told me he has never in XXXX yrs seen or heard of a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I hereby dispute the inclusion of the following accounts on my credit report. They were opened without my authorization and are the result of fraudulent activity. Under the protections afforded to me by XXXX U.S.C. XXXX, I request their prompt removal within XXXX  days. Documentation verifying my identity and confirming the dispute is enclosed.

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 2025-06-09 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: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

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 2025-06-09 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I have moved to XXXX and no longer have any addresses in the XXXX. I used to trade using the XXXX account. Now that I have moved I wanted to transfer out my money to my XXXX bank account. They have refused to do so even after providing them with my wire transfer information and my XXXX bank account information. I feel helpless as the last email said that they have stopped supporting me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shopping for personal loan offers through XXXX platform. Their website clearly stated that checking my rates would not impact my credit and only a soft credit check would occur. I have attached screenshots showing their claim : This will NOT affect your XXXX XXXX. 

Despite this, XXXX XXXX made a hard inquiry on my credit report on XX/XX/year>, without my clear consent for a hard pull. I relied on the assurance that no hard inquiry would happen. This misrepresentation misled me and negatively impacted my XXXX XXXX. 

Please See screen shots attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shopping for personal loan offers through XXXX platform. Their website clearly stated that checking my rates would not impact my credit and only a soft credit check would occur. I have attached screenshots showing their claim : This will NOT affect your XXXX XXXX. 

Despite this, XXXX XXXX made a hard inquiry on my credit report on XX/XX/year>, without my clear consent for a hard pull. I relied on the assurance that no hard inquiry would happen. This misrepresentation misled me and negatively impacted my XXXX XXXX. 

Please See screen shots attached

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