vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-21 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( EQ ), Experian ( EX ), and XXXX XXXX  XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts.Charged Off Accounts : [ No charged off accounts listed for Experian ] Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : 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 2025-11-21 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: MI

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Account Number : 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 2025-11-21 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am successor in interest on a loan for a property in the state of Virginia which was paid off in XX/XX/year>. Wells Fargo Home Mortgage acknowledged me as successor in interest in XX/XX/year>, and in this regard accepted payments from me, including payoff of the loan. 

Wells Fargo then issued an escrow balance check owed to me in my deceased father 's name, and sent it to my address, knowing there was no way I could access the funds because of this. I contacted Wells Fargo and asked them to reissue the check in my name. 

Wells Fargo asked me for one set of documents, and once I furnished this, made ridiculous request for still more documents. 

Now, more than a year later, Wells Fargo is asking for documents it had never asked for before, after my previous CFPB complaints, to make it even harder for me to access the funds. 

The Wells Fargo Mortgage complaints manager lied to me and told me the law in Virginia requires that I provide letters of testate in order for the check to be issued in my name. 

This claim is false, and I am further submitting that this latest demand from Wells Fargo, which they had never asked of me in XXXX, is retaliation for my CFPB complaints. 

I am hereby providing a reference to the Virginia law that clearly shows Wells Fargo can issue the check in my name without the additional requirement for letters of testate or other documents proving I am the inheritor of the estate. This law shows Wells Fargo 's entire premise is false, and that this latest delay tactic is in fact retaliatory : Code of Virginia 6.2-1184. Dealing with successors in interest. 
In the case of any investment made by a savings institution in a real estate loan, if ( i ) the ownership of the real estate security or any part thereof becomes vested in a person other than the party originally executing the security instruments and ( ii ) there is not an agreement in writing to the contrary, a savings institution may, without notice to such party, deal with such successor in interest with reference to that mortgage and the debt thereby secured in the same manner as with such party. The savings institution may forbear to sue or may extend time for payment, or otherwise modify the terms, of the debt secured thereby without discharging or in any way affecting the original liability of such party or parties thereunder or upon the debt thereby secured.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have months with my account closed without any explanation or prior notice from this bank, I have my money deposited before of closure and is fully cleared long time ago and inclusive use part of this, after closue without any reason, explanation or something I have read terms and rights and appears according law banks they will close accounts without any explanation but they not can held funds without valid reasons or almost not with cleared funds and valid funds, and at this time is waiting for my refund check to be received as per according terms, rules and rights on our contract of bank and consumer, they have many time with my money held without any explanation, already contacted many times and inclusive go to a branch for able to fix this but no solution are obtained so kindly request attention on this unfair situation and just need cooperation from this bank to fix this and finally obtain my refund check on my address on file, I need escalation for this arbitrary treatment from this bank, they askin for information that already provided and confirmed so I dont know why they no verified at all, this is arbitrary and unfair procedure from this bank, so I kindly request again a solution and a valid explanation of this arbitrary actions, if need to involve a lawyer please let me know, I hope for real solution and cooperation please...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
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 youhave 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I have been closely monitoring my account for unauthorized or unaccounted over draft fees since XXXX of XXXX  once frost deducted XXXX from bank account after initially having it in my account and available. Frost bank constantly states that it is due to processing fees and delays. Even after expressing to them that I budget to a T and even when the transactions are pending the money is still pulled out of my original account balance by system. 
due to lack of help or assistance I started documenting and collecting evidence of these charges due to XXXX  and XXXX  of dollars being taken out with no evidence of these late charges and fees since then. Provided below is the transactions from XXXX. My outstanding balance this time was negative XXXX dollars. 
My current Outstanding balance prior to my husband sending XXXX at most should have exceeded no more than XXXX. Additionally I have attached the final receipt of my XXXX transaction for a total of. 
As you can also see in the photo evidence I also provided all posted and PENDING transactions as well for the day of the XXXX as well as the XXXX. Seeing as my account balance ended in XXXX cents. 
I also provided todays CURRENT balance after my account ended in XXXX upon waking this morning. Multiple of times myself and my accountant have done the math over and over again resulting in frosts claims of pending transactions reflecting the end balance to be inaccurate and allegedly FALSE. 
I am prepared to open a XXXX with this company if a resolution and physical evidence of these possible fraudulent overcharges are not provided as I had requested a multitude of times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Summary : Chase bank has a website ( XXXX  ) where cardholders submit claims for " travel and purchase protection benefits. '' I created an account on this website on XX/XX/XXXX and initiated a claim. A few days later, my account was mysteriously deleted. Neither Chase or its partner ( XXXX  XXXX XXXX ) has responded to my requests to reinstate or access this account. 

Narrative : I have a Chase Freedom credit card. I used the Chase Freedom credit card to rent a car overseas. The rental car company assessed damages to the car covered by the card 's Auto Rental Coverage. On XX/XX/XXXX, I created an account at chasecardbenefits.com in order to initiate a claim. I have email confirmation that I successfully created a card benefit account. I initiated a claim, downloaded some examples of required documents, and saved my entries to continue the claim later. On XX/XX/XXXX, I attempted to log in to XXXX  and received a vague error message. I attempted to reset my password, but the system did not recognize my email address. On XX/XX/XXXX, I called XXXX to report the problem. I was told others had reported problems with the website and someone from the " IT Department '' would call me back. They never did. On this same date, I called Chase card services to inform them of the problem. On XX/XX/XXXX I called XXXX to again report the account I had created on XX/XX/XXXX to submit a claim appeared to be deleted. I engaged in several troubleshooting steps with the agent, which were unsuccessful. She said she would submit a new ticket, mark it has " priority, '' and someone would contact me within 24 hours. No one ever did. Chase advertises " travel and purchase protection benefits '' for its credit cards, but does not honor these benefits. Authorities should investigate whether Chase is intentionally and systematically making it difficult for cardholders ' to file claims and why it has not responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

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 2025-11-21 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: DC

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief