vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: LA

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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The date was XXXX My wells-fargo checking account was attached by fruad, this store attack from Wells-fargo account before, about XXXX year 's ago the same store : ( XXXX XXXX AR XXXX ) Went in my checking account XXXX times same day XXXX Amounts XXXX XXXX times and XXXX XXXX time from my Wells-fargo checking account I call the Wells-fargo bank immediately fruad was taken from my checking account They closed out my card sending a new card The claim was put in XXXX XXXX Bye bank This complaints was sent Wells-fargo know is not stopping store, that XXXX use on my account, this ready overwhelming with my financial circumstances right now This why iam putting this complaints financial gov Because Wells-fargo is ready taken slow pressure O have been in bank long time over XXXX This claim my financial should have been bank in account bye now I MY CHANGE BANK AFTER THIS CLAIM WELLS-FARGO THIS IS A HIGH TACK WORLDWIDE THIS SHOULDN'T TAKE CARE OF FRAUD AND WAS SAME STORE From XXXX ago Wells-fargo Thank you kindly God bless be safe

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. The supporting documents are enclosed to validate my claim.

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 2025-09-03 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-09-03 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-09-03 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: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
Date of Service : XX/XX/year>. Received invoice from XXXX XXXX XXXX  ( XXXX ) XXXX XX/XX/year> with full amount due and did not go through insurance. They said they would refile through insurance and send updated invoice. 
XX/XX/year> I received a letter from Americollect stating this was taken to collections.

Per law - We have a right to dispute. We have a right to 120 days past statement date and we have a right for updated invoices before taken to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-09-03 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: TX

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Request for Reinstatement of Closed XXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX phone number : XXXX XXXX XXXX XX/XX/year> To : Senior Leadership Synchrony Bank / XXXX  Credit XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Reinstatement of Closed XXXX Credit Card Account XXXX XXXX XXXX Dear XXXX Bank Leadership, I am writing to respectfully request the reinstatement of my XXXX credit card account ending in XXXX, which was recently closed due to what was cited as an excessive number of authorized users. Prior to adding any individuals, I proactively contacted customer service to confirm the number of authorized users permitted on my account. I was assured at that time that up to six authorized users were allowed. I added only three authorized users, all of whom were verified with your team on or about XXXX XXXX XXXX, and remained well within the allowable limit communicated to me. As someone who has maintained a loyal relationship with XXXX for over XXXX  years, this decision has come as both a surprise and a disappointmentparticularly given my proactive efforts to verify compliance beforehand. My intent was to support my family and community members in improving their credit scores, following guidance recommended by the major credit bureaus. I now feel penalized for trying to build credit responsibly instead of paying a third-party organization thousands of dollars for the same guidance. Please note : - My overall credit history includes XXXX active accounts in good standing. - This specific XXXX card holds over a decade of positive payment history.

- At no point did I exceed the six-user limit communicated to me. This abrupt closure risks negatively impacting my credit score, despite no wrongdoing or breach of terms on my part. I respectfully request a full review and reconsideration of this closure. I am confident that restoring this account is both fair and justified based on the facts. If additional steps or documents are required to facilitate this request, I am fully prepared to comply. Thank you for your time, consideration, and continued commitment to customer service. Sincerely, 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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/year> Midland credit management Re : Cease and Desist Demand Regarding Account No.

To Whom It May Concern : I am formally requesting that you cease all communication with me regarding the alleged debt referenced above, in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ).

Please be advised that I do not waive any rights under the FDCPA, and I request that your agency immediately stop all direct and indirect communications with me, including but not limited to phone calls, letters, emails, or contact through third parties.

If you believe I still owe this debt and intend to pursue collection, you may only contact me for the following purposes : 1. To advise me that further collection efforts have been terminated ; 2. To notify me that you may invoke specified remedies, such as filing a lawsuit ; or 3. To notify me that you intend to invoke such remedies.

Any further attempts to contact me outside of these exceptions will be considered a violation of federal law, and I will not hesitate to report such actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to dispute a fraudulent account that has been wrongfully reported in my credit file. I did not open, authorize, or approve this account, and I deny any involvement with it. The reporting is false and has unfairly harmed my credit profile.

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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I applied for a cash out second mortgage and was denied because I have leased solar panels that the underwriter said we needed to pay off. XXXX takes 30 days to give you payoff letter and once I received that letter the company decided that they could not make that work with the loan. This is the part that I think Mr. Cooper the mortgage company is out of line. I had to get an appraisal for {$450.00} through XXXX. The indicated value by cost approach came back at XXXX and I currently owe XXXX. I asked to then use this appraisal to have the PMI removed from my mortgage it is about XXXX monthly. They told me I cant use that appraisal and I have to pay for another appraisal for XXXX dollars. I told them I had already paid and was willing to have the appraisal company come back but I did not think I should have to pay again for an appraisal. 

Also I think the refinance process was suspicious as I received several documents a few times and I do not know enough about the industry but it seemed very suspicious on one thing changing after another. No one told me that we had to pay off the solar panels that are leased until I paid for the appraisal they said I had to have to move the loan forward. They have my first mortgage so they should already have all this information. I also was told I had to lift the lien and that should be enough to refinance which cost me another XXXX. The originator told me to use a credit card to pay both and we would use the refinancing to pay that off as well. 

All in all I am out XXXX dollars they want me to pay another XXXX for another appraisal. I still do not have the second mortgage and I am not able to use the appraisal to remove PMI when the home clearly has around at least XXXX in equity. Please reach out to me with any question but I believe the lending practices of Mr. Cooper should be looked into at some level. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: DC

Complaint narrative:
Filed dispute with Schwab XXXX ( Dispute # XXXX ) on XX/XX/year> as an XXXX agent promised in writing to provide me a refund on an item I had ordered without the need to return the same, and later refused to honor that promise. Agent had also emailed me stating he issued me a refund but never did actually provide me a refund. Despite the objectively clear evidence, Schwab today declined the dispute, saying that the information in their investigation reveals that the charge was authentic, and that XXXX has provided documentation supporting the transaction. 

I never disputed the fact I placed the order, so the bank 's assertion the charge was authentic is inapposite. I disputed the fact that I was promised a refund that never came. This thus means that the charge was invalid as it was procured through fraud on XXXX 's part. I sent all documentation including emails from XXXX and chat logs. My card, like all cards, come with a guarantee required under federal law to reverse such charges and I expect that done promptly by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : ACHIEVEPL 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 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 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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a dispute concerning the fraudulent account that appears on my credit history. I deny any responsibility for this account and confirm that I never authorized its creation. The reporting is false and harmful to my credit record.

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