vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MN

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 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 2025-12-29 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-29 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: IL

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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Issue : Escrow refund not received / payment reversed Company : Mr. Cooper ( Nationstar Mortgage LLC ) I paid off my mortgage loan with Mr. Cooper in full on XX/XX/year>. After payoff, Mr. Cooper issued an escrow refund check in the amount of {$3800.00}. I deposited this check, and it was subsequently reversed out of my bank account. Since then, I have contacted Mr. Cooper repeatedly over the course of several months to request re-issuance of the escrow funds. 

On multiple occasions, Mr. Cooper representatives stated that a replacement check would be sent and I even received a resolution letter in my email. No replacement check has ever been received, and no written explanation has been provided. 

My loan is paid off, the escrow account is closed, and Mr. Cooper is retaining escrow funds that are legally owed to me. This constitutes a failure to remit escrow funds after payoff and a failure to resolve a servicing error after repeated notice. 

I am requesting : 1. Immediate re-issuance of the escrow refund owed to me 2. Written confirmation of the escrow balance and disposition of the original check 3. An explanation for the reversal and prolonged delay 4. Any interest owed due to delayed remittance, if applicable under Tennessee or federal law. 

I am requesting escalation to Mr. Coopers executive or escrow research team for resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

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 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 2025-12-29 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: MO

Complaint narrative:
Please check the attached documents ; the inquiries were received without advance notice and could be unauthorized.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/5, we reported multiple unauthorized and fraudulent business debit card transactions to Wells Fargo immediately after discovering them. The total amount of fraudulent transactions was {$1300.00}. 

On XX/XX/5, we received a letter from Wells Fargos Claims Assistance Center stating that {$280.00} would be credited, but the remaining amount of approximately {$1000.00} was determined not to be a processing error and that the claim was considered closed. This letter did not disclose any deadline or cutoff date for appealing or responding. 

On XX/XX/XXXX XXXX XXXX we contacted Wells Fargo again to dispute this determination and provided bank statements from XX/XX/2025 documenting that the transactions were not authorized by us. We were informed that the claim was escalated for further review. After this escalation, we received no written notice, no phone call, and no final determination regarding the status of the claim. 

On XX/XX/2025, we contacted Wells Fargo to request an update and were told for the first time that the claim deadline had supposedly passed on XX/XX/2025. We were never notified of this deadline, nor were we informed that the clock was running while the claim was under escalation. 

Wells Fargo failed to provide timely communication, failed to disclose any appeal deadline, and failed to issue a written determination after reopening and escalating the claim. We acted promptly and in good faith at every stage and relied on Wells Fargo to complete the investigation. Despite this, we are now being told that we are responsible for absorbing the remaining disputed balance, even though the fraudulent activity was reported immediately and all requested documentation was provided in a timely manner. We are requesting proper review of the escalated fraud claim and written clarification of how and when any alleged deadline was communicated to us.

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 2025-12-29 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA XXXX ( b ) ( accuracy requirement ), XXXX ( dispute process ), and XXXX ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA XXXX ( b ) ( accuracy requirement ), XXXX ( dispute process ), and XXXX ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halstead Financial Services reference number is:XXXX. I'm unaware of this debt on my credit report and did not have the opportunity to dispute this account. If you believe you sent proper notification via purchase agreement, please provide 'Certified Mail '' with receipt displaying my signature. If not, please delete the account : XXXX as soon as possible from my report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Sapphire Reserve started offering a {$250.00} statement credit on " XXXX XXXXXXXX '' XXXX using their travel portal in XX/XX/year>. On XX/XX/year> I used Chase XXXX making a " XXXX XXXX '' Pre-paid booking for {$410.00} which I am entitled to the {$250.00} statement credit. As of today XX/XX/year> I still have not received. I wasted over an hour today with Chase speaking with XXXX different representatives including a supervisor named XXXX requesting my {$250.00} statement credit. XXXX nor any other of the representatives could not explain why I have not received the {$250.00} statement credit I am entitled to. I clearly stated if I do not receive the credit I would be filing a CFPB complaint for the fraud they committed against me. The Trip ID number from Chase XXXX is # XXXX at XXXX XXXXXXXX XXXX which was prepaid as required on XX/XX/year> for {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> my debit card information was stolen. Over XXXX charges for amounts varying between $ XXXX {$98.00} dollars were made on my account. Chase Bank did not notify me of any of these suspicious charges. When I myself noticed them, I notified my bank and they agreed to investigate them. They refunded me the money temporarily. As of XX/XX/year> Chase Bank retracted the funds from my account and claimed there was not sufficient evidence to prove these charges were not authorized. My bank card was in my possession the entire time, and the charges were made online without use of my PIN. I never authorized any of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed charges on my Chase debit card. Chase denied the claim even though the charge was unauthorized/ the merchants failed to provide the service. I am requesting a fair review of my dispute and a refund. I believe the denial was improper and not supported by the evidence. 
XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX {$240.00} XXXX XXXX {$72.00} XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management Systems ( RMS ) is furnishing and reporting the same collection account more than once to the credit reporting agencies. Both tradelines list the same original creditor ( XXXX XXXX XXXX ), the same date assigned ( XX/XX/year> ), and the same account status ( Paid ). These tradelines represent a single debt, not multiple obligations. 

The only difference between the two tradelines is the date reported, which reflects internal re-reporting activity rather than separate accounts. Reporting the same collection debt more than once is inaccurate, misleading, and creates a false impression of multiple derogatory obligations. 

This duplicate reporting has been impacting my credit profile since XXXX by exaggerating the negative effect of a single paid account. Such conduct violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information to consumer reporting agencies 15 U.S.C. 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681c ( a ), which limits how long negative information may be reported and prohibits improper re-reporting that extends harm Courts and federal regulators have recognized that duplicate or misleading credit reporting may constitute negligent or willful noncompliance with the FCRA and has been the subject of enforcement actions and consumer litigation. 

I am requesting that Receivables Management Systems delete both collection tradelines associated with this account due to long-standing inaccurate and duplicative reporting, and provide written confirmation that this account will not be re-reported in the future.

Company response to consumer: Closed with explanation