vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX'Bureau (CFPB) and to Wells Fargo.XXXXSubject: Formal Complaint Regarding Incorrect Home Valuation and PMI ChargesXXXXTo Whom It May Concern,XXXXI am submitting this complaint because Wells Fargo has treated me unfairly and caused financial loss through an incorrect appraisal and failure to remove PMI insurance. I recently requested a property value reassessment and paid approximately XXXX an appraisal fee. I was told that an agent would come and properly evaluate my home. However, this was not done correctly.XXXXI purchased my home in XXXX  and since then I have fully remodeled the interior. I installed hardwood flooring throughout the house and spent approximately XXXX on upgrades and improvements. Based on recent sales in my area, my homes current value is approximately XXXX XXXX,Comparable homes nearby without updates and with inferior condition sold recently for around XXXXHowever, Wells Fargo assigned a valuation of only XXXX XXXX which is not accurate and is significantly below market value. This low valuation benefits the lender and harms me financially because PMI insurance is still being charged when, based on the true value of the home, PMI should be removed.XXXXXXXXWhen the inspector came to my home, he did not take proper photos, did not document interior remodel work, and did not inspect the upgraded floors or improvements. I personally asked him to take photos of the flooring and the remodeled interior, but he did not do so. This indicates that the appraisal was incomplete, improper, and biased.XXXXBecause of this unfair valuationXXXX lost approximately XXXX that I paid for the inspection.XXXXWells Fargo continues to charge me PMI insurance that should have been removed.XXXXXXXXThe value assigned does not reflect actual market value or actual improvements made to the property.XXXXI request the following actions:XXXXA new appraisal to be conducted by a different qualified inspector.XXXXA full and accurate interior inspection with documented photographs.XXXXRevised property valuation that reflects actual remodel work completed.XXXXRefund or adjustment of PMI payments that were charged unfairly.XXXXXXXXInvestigation into the improper appraisal process.XXXXI am seeking a fair resolution because the current valuation is incorrect and appears to benefit Wells Fargo instead of being based on true market value. I expect my updates and investment in the property to be properly recognized.XXXXThank you for handling this matter and ensuring fairness. I request immediate review and corrective actionXXXXSincerelyXXXX XXXX number:XXXXProperty address:XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXemail: XXXX XXXX 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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is very frustrating to see that inaccurate late payments are still listed on my credit report this morning, and I do not understand why nothing has changed. Even after refreshing, they were not removed. I need the documents I sent to be checked immediately so I can finally have peace of mind about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: NC

Complaint narrative:
I am filing this complaint because a collection account is being inaccurately reported on my credit report. I contacted both the collection agency and the credit card company to dispute the charge, as the balance owed was * * paid in full on XX/XX/scrub>XXXX XXXX XXXX 

Despite providing proof of payment and requesting that the information be corrected, the account is still being reported with an outstanding balance. I have also requested that the incorrect information be removed from my credit report, but no corrective action has been taken.

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I previously submitted a written dispute to HYUNDAI FINANCE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), HYUNDAI FINANCE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since HYUNDAI FINANCE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure HYUNDAI FINANCEs immediate compliance with FCRA requirements. 

HYUNDAI CAPITAL AMERICA 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 2025-12-10 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: VA

Complaint narrative:
fraudlent account please remove this from 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 2025-12-10 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: FL

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable personal identification information on my consumer reports. 

The bureaus are reporting multiple names, addresses, phone numbers, and statements that do not belong to me, are outdated, or are incorrect. I have requested reinvestigation under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ), 610 ( a ), and 611, yet the inaccurate information remains. 

The following information is incorrect and must be deleted : Incorrect Name : XXXX XXXX Incorrect Phone Numbers : XXXX, XXXX Incorrect Consumer Statement : File Locked at Consumers Request Multiple outdated or inaccurate addresses, including XXXX, IN and XXXX XXXX XXXX, FL locations. 

The following information is correct and should remain : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Phone : XXXX Under FCRA 607 ( b ), the bureaus must maintain maximum possible accuracy. 
Under FCRA 609 ( a ) ( 1 ), I have the right to correct my identifying information. 
Under FCRA 611, any unverifiable or inaccurate information must be deleted within 30 days. 

I am requesting CFPB intervention to ensure all three credit bureaus delete the inaccurate personal information that does not belong to me and correct my file to include ONLY my verified information.

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 2025-12-10 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: FL

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable personal identification information on my consumer reports. 

The bureaus are reporting multiple names, addresses, phone numbers, and statements that do not belong to me, are outdated, or are incorrect. I have requested reinvestigation under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ), 610 ( a ), and 611, yet the inaccurate information remains. 

The following information is incorrect and must be deleted : Incorrect Name : XXXX XXXX Incorrect Phone Numbers : XXXX, XXXX Incorrect Consumer Statement : File Locked at Consumers Request Multiple outdated or inaccurate addresses, including XXXX, IN and XXXX XXXX XXXX, FL locations. 

The following information is correct and should remain : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Phone : XXXX Under FCRA 607 ( b ), the bureaus must maintain maximum possible accuracy. 
Under FCRA 609 ( a ) ( 1 ), I have the right to correct my identifying information. 
Under FCRA 611, any unverifiable or inaccurate information must be deleted within 30 days. 

I am requesting CFPB intervention to ensure all three credit bureaus delete the inaccurate personal information that does not belong to me and correct my file to include ONLY my verified information.

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 2025-12-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, I purchased a morning itinerary for international travel. Spirit XXXX issued a different itinerary after payment, with an evening departure I did not select. This was a ticketing error created by Spirit. I contacted Spirit immediately through chat and phone to correct the issue, but they refused to fix the itinerary and forced an involuntary cancellation with a travel credit instead of refunding my credit card. Spirit was the merchant of record and charged my Capital One card directly.

I submitted full documentation to Capital One, including the original itinerary, the incorrect itinerary Spirit issued, chat and call records showing immediate correction attempts, Spirits refusal to fix the ticket, and a medical travel restriction letter from my treating clinician. Capital One denied the dispute based on information provided by Spirit that did not reflect what actually occurred. During a recorded call, Capital One informed me that they denied the dispute because Spirit stated I attempted to cancel the next day, which is not accurate based on my communications. Capital One did not provide the documentation they relied on from Spirit and closed the case without considering the complete evidence. 

I filed a complaint with the U.S. Department of Transportation, which accepted the case under DOT Complaint Number XXXX. Spirit is now required to respond to federal regulators. I also filed a complaint with the Federal Trade Commission regarding Spirits business practices. I am requesting that Capital One reopen the dispute, review the complete evidence, and conduct a reasonable investigation as required under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XXXX monzo top up transaction got reversed but account balance has yet to reflect such reversal. XXXX total

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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: TX

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 non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Transform Credit Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized hard credit inquiry from XXXX XXXX XXXX XXXX on my credit report while reviewing my credit monitoring through my bank. 

I have never applied for any product or service with this company, never authorized them to pull my credit, and had never even heard of this company before seeing this inquiry. I have no business relationship with XXXX XXXX XXXX XXXX whatsoever. 

Hard credit inquiries require consumer authorization under the Fair Credit Reporting Act. I did not provide verbal, written, or electronic consent for this credit check at any time. 

This unauthorized inquiry negatively impacts my credit score and will remain on my report for up to two years if not removed. I am concerned this may be the result of identity theft or a company error. 

I filed a complaint with the Better Business Bureau on XX/XX/year> demanding immediate removal of this inquiry. I have received no response or explanation from the company. 

I am requesting that this unauthorized hard inquiry be immediately removed from my credit report and that I receive written confirmation of the removal. I also request an explanation of how this company claims to have obtained authorization to pull my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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