vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
I ask that these erroneous accounts be deleted within 15 days per FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-26 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: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ] Re : Cease and Desist Concerning Account No. XXXX To Whom It May Concern : This letter serves as a formal Cease and Desist Demand regarding your activities connected to Account No. XXXX. 

I am requesting that you immediately cease and desist from the following actions : [ Describe the XXXX  unauthorized collection attempts, reporting inaccurate information, contacting me at prohibited times, contacting third parties, harassment, XXXX ] Your actions are unwarranted and harmful, and they may violate applicable federal and/or state laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) or other consumer protection statutes, depending on the conduct involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX ] Re : Cease and Desist Concerning Account No. XXXX To Whom It May Concern : This letter serves as a formal Cease and Desist Demand regarding your activities connected to Account No. XXXX. 

I am requesting that you immediately cease and desist from the following actions : [ Describe the XXXX, unauthorized collection attempts, reporting inaccurate information, contacting me at prohibited times, contacting third parties, harassment, XXXX ] Your actions are unwarranted and harmful, and they may violate applicable federal and/or state laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) or other consumer protection statutes, depending on the conduct involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am disputing these accounts due to inaccuracies in the reporting, and I request that these issues be rectified promptly. If the accounts can not be verified, I expect them to be removed from my credit file. 

Charged Off Accounts : XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX, Account Number : 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 2025-11-26 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been inaccurately reported on my credit file. These accounts, including charged-off items, inquiries, positive accounts, and late payments, are in dispute across the XXXX credit bureaus : Experian ( XXXX ), XX/XX/XXXX XXXX ), andXX/XX/XXXX( XXXX ). Please see the details below : CHARGED OFF XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$2500.00} XX/XX/XXXXXXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$300.00} INQUIRIES XX/XX/XXXX Date : XXXX XXXX XXXX XXXX, Date : XXXXXX/XX/XXXX Date XXXX XXXX XXXX XXXX XXXX, Date XXXX XXXX XXXX, Date : XXXX LATE PAYMENT XXXX XXXX XXXX, Account Number : XXXX XXXX XXXXXX/XX/XXXX, Account Number XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-26 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I am filing this complaint against The Bank of New York Mellon ( BNYMellon ) as trustee ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and its servicers XXXX regarding the same mortgage on my home at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX 
BNY Mellon has now sent three identical, word-for-word, meaningless responses to three completely different CFPB complaints I filed in the last 60 days, and is now asking for yet another extension on my fourth complaint ( # XXXX ) filed XX/XX/XXXX. 
The three identical responses were sent on or about XX/XX/XXXXXXXX  to : # XXXX ( escrow explosion from {$160.00} $ XXXX, unearned fees ) # XXXX ( wrongful non-judicial foreclosure, no proof of ownership, RESPA/California violations ) And the exact same text is already being prepared for the current open case. 

The response does not address any of my specific allegations. It is literally copied and pasted, including the same typos and broken sentences ( BNYM responsible party. ). This is not a good-faith response ; it is deliberate stalling and deception designed to run out the CFPB clock.

Specific violations : Unfair and deceptive acts under CFPA ( 12 U.S.C. 5531, 5536 ) by providing knowingly false or useless responses to federal complaints.


Failure to conduct a reasonable investigation under RESPA ( 12 CFR 1024.35 & .36 ) on three separate Qualified Written Requests/NOEs.

Pattern of using we need more time extensions while never actually investigating. 
Continuing wrongful foreclosure activity while refusing to produce chain of title or recorded assignment ( California Civil Code 2924 et seq. ; no recorded transfer from XXXX XXXX after XXXX ). 

I have attached : All three identical BNYM responses ( XX/XX/XXXXXXXX  ) Screenshots/PDFs of CFPB case numbers XXXX, XXXX, and current open case XXXX My original complaints showing the issues are completely different yet received the same canned reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Bank XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XX/XX/XXXXXX/XX/XXXXAccount Number : 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 2025-11-26 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: OH

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-26 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: FL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 submitting this formal dispute regarding the following accounts, as they contain serious inaccuracies and fail to comply with the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation and removal of these items. 

Charged Off Accounts : XXXX XXXX XXXX  : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$330.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$500.00} XXXX XXXX XXXX, XX/XX/XXXX, {$31.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$410.00} XXXX : XXXX, XX/XX/XXXX, {$810.00} These accounts are inaccurately reported and must be deleted immediately from my credit report. 

Inquiries : XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX I never authorized these inquiries. Remove them immediately. 

Late Payments : XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX These late payments are incorrect and must be rectified or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting a formal complaint regarding a potential data breach that has exposed my personal and financial information. My sensitive data including items such as my Social Security number and account details may have been accessed, used, or compromised without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the legal right to have my information protected and to be notified of any unauthorized activity involving my identity. At this time, I am demanding immediate action. 

I am requesting that you promptly : Investigate any unauthorized access, inquiries, or accounts that may have been opened using my personal information. 

Remove or correct any inaccurate or fraudulent information appearing on my credit report as a direct result of this breach. 

Provide written confirmation detailing the findings of your investigation and all corrective steps taken. 

If this matter is not addressed promptly and thoroughly, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory authorities. 

Please treat this situation as urgent and acknowledge receipt of this complaint along with confirmation that an investigation has begun.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting a formal complaint regarding a potential data breach that has exposed my personal and financial information. My sensitive data including items such as my Social Security number and account details may have been accessed, used, or compromised without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the legal right to have my information protected and to be notified of any unauthorized activity involving my identity. At this time, I am demanding immediate action. 

I am requesting that you promptly : Investigate any unauthorized access, inquiries, or accounts that may have been opened using my personal information. 

Remove or correct any inaccurate or fraudulent information appearing on my credit report as a direct result of this breach. 

Provide written confirmation detailing the findings of your investigation and all corrective steps taken. 

If this matter is not addressed promptly and thoroughly, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory authorities. 

Please treat this situation as urgent and acknowledge receipt of this complaint along with confirmation that an investigation has begun.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX payment protection product to my XXXX XXXX  XXXX  account without my knowledge or informed consent. 
I did not knowingly enroll in this product, and the fees were not disclosed in a clear or understandable way. 
As a result, I have been charged monthly since XXXX, and these improper charges falsely inflated my balance and my revolving utilization to nearly 100 % for years, harming my XXXX XXXX. 
I contacted the company and they refunded only XXXX  months, but refused to refund the remaining fees or the interest charged on those fees. 
They can not provide a recorded call or signed document showing that I knowingly opted into this add-on product. 
I am requesting a full refund of all XXXX fees and all interest resulting from those fees, and correction of any credit reporting related to these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several items on my credit report. Below, I have outlined the accounts in dispute, separated by each bureau. I kindly request that you review these discrepancies and take corrective actions as necessary. 

CHARGED OFF XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$19000.00} UNAUTHORIZEDCOLLECTIO, XXXX, XX/XX/XXXX, {$87.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OR

Complaint narrative:
On XX/XX/XXXX, I was the victim of a law-enforcement impersonation scam. A caller posed as police threatened my arrest for missing federal jury duty, and instructed me to send {$1000.00} via XXXX XXXX, which is linked to my Wells Fargo debit card. 

Believing the call was legitimate, I complied. After realizing it was a scam, I immediately contacted Wells Fargo to report the fraud and open a claim. I also contacted XXXX Support and my local police department. 

Wells Fargo later denied my claim, stating that the transaction was authorized. However, this was a coerced and fraudulent transaction made under deception and intimidation, which falls under unauthorized use and error under Regulation E. I did not willingly authorize the transfer to the scammer for personal or commercial purposes. 

I have supporting documentation, including the XXXX XXXX receipt, call logs, police report, and FTC fraud report. 

I am requesting a reinvestigation and reimbursement of the {$1000.00} loss, or at minimum, a clear explanation of how Wells Fargos decision complies with Regulation E and their fraud-protection policies.

I am a long-time Wells Fargo customer and have never previously filed a fraud claim. I am asking for CFPB assistance to ensure Wells Fargo properly reviews this as a case of coerced impersonation fraud, not an authorized transfer.

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