vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: B9, Inc.
State: PA

Complaint narrative:
I created an account because the company said it was required to receive a loan. When I saw that I would have to direct my paychecks into that account, I did not feel safe and immediately closed it. Despite the account being closed, the company used my information without authorization, added their account to my paycheck, and took my money. I requested information and asked for my funds back, but they refused. I am requesting that the company return all money taken without my authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report : WFC Account # XXXX High Balance : {$600.00} Date Opened : XX/XX/year> Status : Charge Off XXXX XXXX  I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit profile without any valid basis. I am requesting a full investigation into 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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The last payment made to Synchrony Bank was on XXXX for {$740.00}. The remaining balance on the account was {$940.00}. They then closed the account less than 30 days later, exactly 1 month before the promotional interest free period was available. I know this because this account was showing closed and I was in escrow for a home mortgage and I had to declare this to my mortgage provider while in closing for a home. My credit report is inaccurately showing XXXX as the date of close. 

They have since sent me statement showing an excess of {$2800.00} in interest charges. They showed no statement of promotional period interest free and can not provide any statement showing the date of the interest being charged while the account was remained open. My initial purchase was {$2200.00}. I would be paying several times over for this mattress due to their account closure 30 days prior to my favorable terms being over. I also was not sent paper statements and was not enrolled in electronic statements. They only started sending me paper statements in the mail after the XXXX promotional period was over. This is highly predatory lending practices.

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 2025-11-15 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: CT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: SC

Complaint narrative:
I am writing to formally dispute the reporting of late payment information on two accounts that inaccurately reflect my payment history. These discrepancies misrepresent my financial responsibility and creditworthiness, and I am requesting that the records be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 
The XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, currently shows a balance of {$20000.00} and a 60-day late payment as of XX/XX/XXXX. According to my verified records, all payments on this account were made on time and in full, and there was no interruption, delay, or delinquency that would justify a 60-day late mark. This erroneous reporting is misleading and negatively impacts the accuracy of my credit profile. Under FCRA 607 ( b ), furnishers are required to report only accurate and complete information, and under FCRA 623 ( a ) ( 1 ) ( A ), they must not report information they know or have reason to believe is inaccurate. I am requesting that this late entry be corrected and updated to accurately reflect my verified payment history. 
Additionally, XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a closed account opened XX/XX/XXXX, shows a late 30-day payment on XX/XX/XXXX, despite my records confirming timely payments throughout the account period. This account was properly closed with a {$0.00} balance, and the reported late mark is inconsistent with the documented payment history. Such inaccuracies violate FCRA 611 ( a ), which provides consumers the right to dispute and have unverifiable or incorrect information corrected, and FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly update inaccurate or incomplete information once identified. 
The presence of these inaccurate late marks has the potential to negatively affect my creditworthiness and financial reputation. Accurate reporting of payment history is a legal requirement, and any discrepancies must be promptly corrected to reflect true account activity. I am requesting that both accounts be corrected and updated to show accurate payment histories, reflecting timely payments and the proper status of the closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I am writing to formally dispute the reporting of late payment information on two accounts that inaccurately reflect my payment history. These discrepancies misrepresent my financial responsibility and creditworthiness, and I am requesting that the records be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 
The XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, currently shows a balance of {$20000.00} and a 60-day late payment as of XX/XX/XXXX. According to my verified records, all payments on this account were made on time and in full, and there was no interruption, delay, or delinquency that would justify a 60-day late mark. This erroneous reporting is misleading and negatively impacts the accuracy of my credit profile. Under FCRA 607 ( b ), furnishers are required to report only accurate and complete information, and under FCRA 623 ( a ) ( 1 ) ( A ), they must not report information they know or have reason to believe is inaccurate. I am requesting that this late entry be corrected and updated to accurately reflect my verified payment history. 
Additionally, XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a closed account opened XX/XX/XXXX, shows a late 30-day payment on XX/XX/XXXX, despite my records confirming timely payments throughout the account period. This account was properly closed with a {$0.00} balance, and the reported late mark is inconsistent with the documented payment history. Such inaccuracies violate FCRA 611 ( a ), which provides consumers the right to dispute and have unverifiable or incorrect information corrected, and FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly update inaccurate or incomplete information once identified. 
The presence of these inaccurate late marks has the potential to negatively affect my creditworthiness and financial reputation. Accurate reporting of payment history is a legal requirement, and any discrepancies must be promptly corrected to reflect true account activity. I am requesting that both accounts be corrected and updated to show accurate payment histories, reflecting timely payments and the proper status of the closed account.

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 2025-11-15 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: CA

Complaint narrative:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute.

It has also been noted that Experian has previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : CHARGE OFF : - XXXX XXXX XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} LATE OPEN : - XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}

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 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Ive been emailing one main since last year with my bank statements and trying to get the dates of all these Returns how they were paid and transaction id but failed to get no one ever answers my email Ive provided letters from my bank. They would excessively run payments back back over days charging me fees and my bank when they never had permission to debit from my account I always pay biweekly debit. I cant get the dates of any of these returns they are not on my statements even. I am needing someone to please advocate for me with them as I was told by the manager Friday that it doesnt matter if o haw bank statements or return Im still going to have to pay it. Then he raised his voice rattling off all of my returns he says I have embarrassing and belittling me as the staff on the phone laughed. I have never been so humiliated in my life when I am am needing it the dates to show proof it was not returned thy keep adding more fees for nothing. I have 15 or more emails from years back over the same thing and no one ever cared enough to respond and when o call back thy days the same you can sent it in but it prob wont matter?? The manager there has XXXX patience XXXX empathy nor any interest even helping people. I cant get any help even my bank had tried to advocate for me all these fees I dont even know what for and then I get told this. This is not my first complaint can you please have someone get my records to check all these fees they have charged me for no reason. I tried in the past and I gave up no one ever answers you back and now Im being raked with fees with no proof no explanation and Im being treated like that and no one has to even do there job. Any help you can give me I would really appreciate. I just never had a place treat me like this laughing in the background and intentionally embarrassing me like I wont notice any more return fees its discrimination honestly. I will also be reaching out to my state rep as well Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
UWM has ordered about XXXX different property valuations in the course of trying to modify this mortgage with them requring me to submit XXXX assistance applications. 

Each with a separate fee, on my ninth attempt at a loan modification. These valuations have not been used for the modification process and have led to unjustified fees on my account. 

This situation is similar to previous CFPB enforcement actions where mortgage servicers were found to violate regulations by imposing repeated and unnecessary fees on borrowers. For example, the CFPB has taken action against servicers who conducted repeated, unnecessary property inspections or valuations, resulting in similar unjustified costs. 

On this ninth attempt specifically, there have been XXXX notices of new valuations being ordered, each costing approximately {$56.00} to {$65.00}. The actual investor reviewing the modification only requires XXXX valuation. 

This results in unjustified fees repeatedly being added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I am filing this complaint due to serious violations of the Fair Credit Reporting Act ( FCRA ) by the nationwide consumer reporting agencies. My consumer file contains multiple accounts, inquiries, and data entries that are inaccurate, unauthorized, and not verifiable. These items appear to have been furnished, accessed, and distributed without a permissible purpose under FCRA 604.

I have reason to believe the credit bureaus have allowed my personal information to be bought, sold, accessed, and re-reported without proper verification or legal authority. This constitutes a failure to ensure maximum possible accuracy as required under FCRA 607 ( b ).

In addition, the bureaus have failed to maintain reasonable procedures to prevent the reporting of fraudulent or incorrect information, in violation of FCRA 602 and 603.

I am demanding immediate reinvestigation under FCRA 611, including : Deletion of all accounts and inquiries that can not be verified with original source documentation Deletion of all information obtained or shared without a legally permissible purpose Identification of every entity that accessed or furnished data to my file Verification of the accuracy and legality of each reporting partys data A full audit trail of who has accessed my consumer file The credit bureaus must provide documented proof for every disputed entry. Automated responses, generic statements, or unverifiable electronic confirmations are not acceptable under federal law. If an item can not be verified with actual evidence, the FCRA requires permanent deletion under 611 ( a ) ( 5 ) ( A ).

I am also requesting the CFPB to review whether the credit bureaus have allowed unauthorized third parties to obtain my consumer report, which would constitute a violation of FCRA 616 and 617.

Because the bureaus have failed to protect my information, failed to maintain accurate files, and failed to properly validate disputed information, I am requesting the removal of all items that are inaccurate, unverifiable, or obtained without proper authorization.

I request full compliance with the FCRA, written confirmation of all deletions, and documentation of all reinvestigation steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing this complaint due to serious violations of the Fair Credit Reporting Act ( FCRA ) by the nationwide consumer reporting agencies. My consumer file contains multiple accounts, inquiries, and data entries that are inaccurate, unauthorized, and not verifiable. These items appear to have been furnished, accessed, and distributed without a permissible purpose under FCRA 604.

I have reason to believe the credit bureaus have allowed my personal information to be bought, sold, accessed, and re-reported without proper verification or legal authority. This constitutes a failure to ensure maximum possible accuracy as required under FCRA 607 ( b ).

In addition, the bureaus have failed to maintain reasonable procedures to prevent the reporting of fraudulent or incorrect information, in violation of FCRA 602 and 603.

I am demanding immediate reinvestigation under FCRA 611, including : Deletion of all accounts and inquiries that can not be verified with original source documentation Deletion of all information obtained or shared without a legally permissible purpose Identification of every entity that accessed or furnished data to my file Verification of the accuracy and legality of each reporting partys data A full audit trail of who has accessed my consumer file The credit bureaus must provide documented proof for every disputed entry. Automated responses, generic statements, or unverifiable electronic confirmations are not acceptable under federal law. If an item can not be verified with actual evidence, the FCRA requires permanent deletion under 611 ( a ) ( 5 ) ( A ).

I am also requesting the CFPB to review whether the credit bureaus have allowed unauthorized third parties to obtain my consumer report, which would constitute a violation of FCRA 616 and 617.

Because the bureaus have failed to protect my information, failed to maintain accurate files, and failed to properly validate disputed information, I am requesting the removal of all items that are inaccurate, unverifiable, or obtained without proper authorization.

I request full compliance with the FCRA, written confirmation of all deletions, and documentation of all reinvestigation steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
To whom ever this may concern Im currently a victim of identity theft. Ever since my wallet was lost on a out of town family trip in XXXX, there has been multiple fraudulent accounts, home addresses along with fraudulent hard inquiries and fraudulent student loans placed on my XXXX XXXX XXXX XXXX, XXXX XXXX  credit file. I have reached out directly to the creditors but they have been very aggressive and refuse to remove the fraudulent 6 student loans that were placed on my credit file along with the rest of the fraudulent information. Please understand there is 6 fraudulent accounts under department of ed/aidvantage reporting on my credit file. This company has let someone use my identity and apply for a student loan. I have not gave this company any consent to use my identification or personal information. I have never received any student loan or loan. As of today I would like all 6 fraudulent student loans removed from my credit file with the major credit reporting agencies listed above in my complaint. I would also like a 10-15 day investigation placed on XXXX XXXX XXXX

Company response to consumer: Closed with explanation