vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was randomly charged {$24.00} for a membership I never signed up for with XXXX. I dont know how they got my card information and I never authorized any subscription. I disputed it with my bank, Wells Fargo and they once again failed to return my money or cover me.

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 monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
I applied for a business credit card and was told I was eligible for XXXX, and proceeded with the application. A week later, I was told that I was denied the card. I asked why and was told that I was denied because of my bankruptcy. I informed the rep that the bankruptcy was XXXX XXXX XXXX and that it fell off after XXXX XXXX. It is violating my consumer laws to have a XXXX bankruptcy against me. I feel this is a form of discrimination.

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 2025-08-27 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unauthorized Inquiries to Be Deleted : 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 non-monetary relief
Consumer complaint received 2025-08-27 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-08-27 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to be able to access my free credit report weekly, as the FCRA has stated that this a right every American citizen has since XXXX XXXX. It says that the right to obtain that is to be accessed by way of freeannualcreditreport.com. I tried to obtain my reports from their website, and all XXXX said that my profile had a block from the companies themselves, and if i wanted my free reports, i would have to contact them directly. I made a complaint to freeannualcreditreport.com in writing and received a letter stating nothing. No resolution. Just thanks for contacting us. I will be filing a complaint against them, and all XXXX of the credit bureaus, as they are violating my rights by not allowing me to have easy weekly access to my free credit reports. 

In the call with Equifax on XX/XX/year>, i was told by the customer service agent that their were internal blocks on my account. I asked why? I got no answer. He said to write a letter inquiring to that and submit a copy of my license and social security card. I have done this numerous times in the past. He stated that since it had been more than 90 days, i have to provide them with that information again. I asked, so are you saying i have to submit new copies of these items every 90 days in order to get the internal holds off my account to access my own free weekly credit report? I got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Laser Away set me up with a XXXX no interest finance option with XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank XXXX for services. I have enrolled in auto pay and was charged {$130.00} dollars every month since XX/XX/XXXX. I was charged {$770.00} of interest on XX/XX/XXXX after almost completing my balance. I have never missed a payment and only had {$130.00} left of payment of a total of {$2800.00}. I also never received any statements via mail because the address on file is the wrong address as well. I am absolutely devasted that I was charged {$770.00} of interest and have many accruing interested upon interest since XX/XX/XXXX. I now have a balance of {$1000.00} of interest. 

I called the company and spoke to a representative and a supervisor and was told there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
XXXX Complaint Update Loan ID XXXX Dear XXXX XXXXXXXX, I am providing an update regarding my complaint against Solar Mosaic , Inc . 

Mosaic previously granted me a 3-month hardship, but they continue sending confusing emails directing me to call in as if no hardship were granted. This shows a lack of proper account servicing and recordkeeping. 

More importantly, my original concerns remain unresolved : Misrepresentation of tax credits and tax benefits. 

Undisclosed balloon payment structures. 

Ongoing servicing issues that create unnecessary stress and financial harm. 

The CFPB complaint ID is XXXX, which Mosaic has acknowledged. I am requesting that the XXXX track this matter to ensure Mosaic addresses both the servicing failures and the misrepresentation issues in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 accounts in question are unauthorized and fraudulent. Please ensure they are deleted from my credit report in accordance with USC 1681g within 15 days. Supporting materials are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I dispute the validity of these accounts, as I did not authorize them. As required by USC 1681g, I request their prompt deletion within 15 days. Documents are attached.

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 2025-08-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB : XX/XX/year> SSN : XXXX Equifax Information Services LLC XXXX. XXXX XXXX, GAXXXX To whom it may concern, Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  5. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> XXXX XXXX  Midland Credit Management , Inc . 
XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Subject : Formal Dispute of Alleged Debt and Demand for Validation and Proof of Ownership Account Reference Number : XXXX To Whom It May Concern : I am writing to formally dispute the validity of the alleged debt referenced above. I do not acknowledge any obligation to pay this debt and request that you provide full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following documentation : 1. Proof that I am legally obligated to pay the alleged debt, including : - A copy of the original signed contract or agreement that created the debt.

- A complete and detailed payment history, including all charges, payments, interest, fees, and other transactions applied to the account from inception to present.

- A clear explanation of how the total amount claimed was calculated.

2. Proof that your agency has the legal right to collect this debt, including : - Documentation demonstrating the complete chain of assignment or ownership, from the original creditor through any intermediaries, to your agency.

- The name, address, and contact information of the original creditor.

3. Proof that you are authorized to collect debts in my state, including your state license number and the name of the licensing authority, if applicable.

4. The name, job title, and contact information of the individual or entity who verified this debt, as required under applicable federal law.

Until you provide all of the above documentation, I request that you cease all collection efforts and refrain from contacting me, except to respond with the requested validation. Additionally, if this debt has been reported to any credit reporting agencies, you are required to immediately mark the account as disputed.

If you do not respond with complete and proper documentation within 30 days of your receipt of this letter, I will consider this matter permanently closed and the alleged debt invalid and not owed by me.

This is not a refusal to pay, but a good faith request for debt validation pursuant to my rights under federal law. Please direct all future correspondence to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-27 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation