vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am requesting for the debt by Spring Oaks Capitol opened on XX/XX/year> be removed from my credit report by all 3 credit bureaus.

I attempted to resolve this debt twice. I did make a payment of {$300.00} along with an agreement to pay the remaining balance over a 4 mo th period in amount of {$300.00}. However, I called back stating with the debt being in collections & due to already making 1 payment I wanted to resolve the debt in full attention a lower cost in which I have the right to do so. A debt can be paid by consumer as low as 30 % of the remaining balance is what I discovered during my research. I had also disputed this debt multiple times due to not knowing who the debt was from at first & realized I should not have owed as much. 

The debt began at {$1400.00}, 30 % would have been {$420.00}. With a {$300.00} payment made that brings the debt down to {$1100.00}. I should only have to pay an extra {$120.00} to resolve this debt & have it removed in good standing. Instead I called the company back & offered 30 % of the remaining balance & not the before balance which would still have been {$330.00}. So in total the debt would have been settled at {$630.00} which is still above the 30 % of the original balance. My offer was not accepted & I am in disagreement as the original co pany that this debt came from I had also later found out was closed & no longer in business. 

Debts are bought for pennies on the dollar in order for the debt collection companies to make a profit. However, XXXX. I offered above 30 % of the original remaining balance. 
XXXX. I offered 30 % of the current remaining balance. 
XXXX. Legally debt is not owed by consumers once bought out because consumers do not owe the debt collector themselves. 
XXXX. Experian being sued current also helps my case of having debt removed from my credit report from failure of proper investigation. 
XXXX. Already disputed multiple times. 
XXXX. Original company is no longer in business. 
XXXX. I do not see this debt on two of my credit bureau accounts which means I have the right to have it removed from the others n if still reflecting removed from all as I would not owe the debt if it does not show.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I got a letter from a lawyer advertisement claiming I'd been sued by Synchrony Bank for a credit card debt in XXXX. After calling them, then the place they sent it to who sent it somewhere else, I finally got ahold of someone at XXXX XXXX XXXXXXXX. The first woman I spoke to would not work with me on a payment arrangement and was very condescending about the issue and would not forward me on to a supervisor despite repeated requests. I later called back and spoke to a Mark Strong who set up an arragement for twice a month - and then received a summons about the court date. I was told that if I entered into a payment arrangement that they would work with me and let the court know that I had entered into the agreement to avoid court issues. I signed what I was told was a payment agreement and returned it to XXXX XXXX XXXX who has been taking payments twice a month at my request. However, XXXX and the woman before spoke to me even though a lawsuit had apparently already been filed, and led me to believe that I would not need to fear any issues if I cooperated. I responded to the summons I received and explained that I had entered into this arrangement and was working with XXXXXXXX XXXX, but today received information from the court that a default judgment had been entered. Not only did I personally walk my response to the summons into the court and put it into a human being 's hand, but I did as XXXXXXXX XXXX XXXXXXXX wanted and set up the payment arrangement and XXXX told me that doing so would help me and that XXXXXXXX XXXX XXXX would take my payment arrangement documentation to court so that I could avoid further issue. This good-cop bad-cop routine has me paying money I can't afford to avoid a lawsuit that was already filed and I was lied to through every step of the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
There was an escrow overage of {$980.00} according to the Escrow Review Statement of XX/XX/year>. They said they mailed it but I did not receive it. They said they remailed another check but I have not received it. I have called several times and on the XX/XX/year> statement they had an item called Adj-Forebearance Suspense and I have no idea what that is when a payment was made on auto pay for {$760.00}. It is now XX/XX/year> and I still have not received the overage from my Escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I was concerned that Experian was allowing questionable credit information to be submitted by XXXX of their largest customers, XXXX XXXX. For instance, the FCRA and FTC requires financial institutions when reporting to CRA, to inclue the name, address, etc.... At least XXXX institution inserts " individual '' ( using as a noun instead of an adjective ) as the " name '' in the data field, which potentially allows financial institutions to add questionable credit information on any creditor when the actual debt is accrued by a loved 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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX XXXX, my Wells Fargo debit card ( Account # XXXX ) was used for 19 unauthorized transactions totaling {$8300.00} in XXXX while I was in XXXX, Virginia. I immediately reported the fraud and filed claim # XXXX. 
Wells Fargo has engaged in discriminatory and arbitrary claims processing by selectively approving only 5 transactions ( {$2600.00} ) while denying 14 identical transactions ( {$5700.00} ) without providing any written explanation as required by Regulation E.

Most concerning : Wells Fargo APPROVED 4 transactions with merchant " XXXX XXXX XXXX XXXX '' but DENIED 4 other transactions with merchant " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''- same payment processor, same dates, same location, opposite outcomes with XXXX explanation. 
This violates Regulation E ( 12 CFR 1005.11 ) which requires written explanations for fraud claim denials. Despite 75+ days and multiple requests, Wells Fargo has provided no rationale for their inconsistent decisions.

The selective approval pattern shows economic discrimination - higher transaction amounts correlate with higher denial rates. All transactions occurred in XXXX during the same fraud event, yet Wells Fargo applied completely different standards without justification. 
As a 10+ year Wells Fargo customer with multiple accounts, I have received no satisfactory explanation for this arbitrary processing that violates federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NV

Complaint narrative:
I reached out to Discover Card. Discover Card referred me to XXXX XXXX XXXX. Their debt collections agency. XXXX XXXX informed me and Discover Card that the debt was obtained fraudulently and was not a debt obtain by me. The debt was marked as fraud on XX/XX/year> by XXXX XXXX XXXX and forwarded back to Discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.stakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit file.XXXX XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit file.XXXX XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00}

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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
I need a 1099 for the account they are saying they wrote off on their taxes and did not provide me with a form for my taxes. Also they have this account as a charge off but are reporting to the credit bureau that I am behind on my payments currently. 

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX of soc sec - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX LA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I found out I had a significant outstanding debt with a credit card company that I have no recollection of opening. I dont have a capital one credit card and tried to report it but keep getting routed to a debt collector to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax regarding the account XXXX XXXX Account XXXX due to multiple reporting inaccuracies and failure to conduct a lawful reinvestigation. 

This account is being reported with : Credit limit inconsistencies ( Equifax shows {$0.00}, others show {$800.00} ) Different account types across bureaus Conflicting closure remarks ( inactive, canceled, XXXX balance ) False 90-day late payment being reported on Experian Inconsistent reporting and activity dates I previously disputed this account and the bureaus responded with a generic verified status without providing any documentation from the original creditor ( XXXX ). Instead, they rely on secondary data sources like XXXX and XXXX, which is not compliant with the FCRA. 

These practices violate my rights under FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ), as well as TILAs disclosure transparency principles. This inaccurate reporting is harming my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: WA

Complaint narrative:
I am filing a formal dispute regarding unauthorized and inaccurate information currently reported on my credit file. Upon careful examination, I have found serious discrepancies that do not reflect my identity, actions, or financial history. These include : Accounts that I did not open Incorrect personal information Unauthorized credit inquiries These errors are damaging and misleading, and I demand a thorough investigation under the Fair Credit Reporting Act ( FCRA ). Please remove the following items from my report immediately : Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts Name : XXXX XXXX ( XXXX ) {$2800.00} XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. I have a right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I had a secured credit card that was charged off in XX/XX/XXXX for {$360.00}. When I accessed my account online in XX/XX/XXXX, I discovered the company had sent me a payout of {$170.00} in XX/XX/XXXX and held my {$350.00} security deposit. Despite this, they continue reporting a {$360.00} charge-off to credit bureaus without accounting for the security deposit offset. 

The account became delinquent during a period of financial hardship due to my father 's death and caring for my elderly mother. My financial situation has now stabilized, and I'm prepared to resolve this account immediately. 

The company 's own records show they owe me money after applying the security deposit, yet they continue damaging my credit by reporting the full charge-off amount. This appears to violate federal requirements for accurate credit reporting and proper handling of security deposits in secured credit products. 

I've attempted to understand the account through their online portal but have not received clear resolution options despite my willingness to pay and improved financial circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I had a secured credit card that was charged off in XX/XX/XXXX for {$360.00}. When I accessed my account online in XX/XX/XXXX, I discovered the company had sent me a payout of {$170.00} in XX/XX/XXXX and held my {$350.00} security deposit. Despite this, they continue reporting a {$360.00} charge-off to credit bureaus without accounting for the security deposit offset. 

The account became delinquent during a period of financial hardship due to my father 's death and caring for my elderly mother. My financial situation has now stabilized, and I'm prepared to resolve this account immediately. 

The company 's own records show they owe me money after applying the security deposit, yet they continue damaging my credit by reporting the full charge-off amount. This appears to violate federal requirements for accurate credit reporting and proper handling of security deposits in secured credit products. 

I've attempted to understand the account through their online portal but have not received clear resolution options despite my willingness to pay and improved financial circumstances.

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