vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX'I was a victim of the XXXX  data breach and Identity theft. Many accounts was opened illegally in my name and has affected my credit and financial life. I have tried to resolve this issue with Transunion and Transunion has done nothing. I am providing all fraudulent accounts in my name as well as proof of Identity, police reports and ftc reports. Please help me remove these illegal accounts from my reports immediately.XXXXCaptial One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    Please note there are XXXX XXXX XXXX XXXX XXXX there is also a credit inquiry which I did not make.XXXX XXXX XXXX XXXX Thank you for your help on this matter.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint regarding a returned merchandise dispute that Wells Fargo has wrongfully deniedtwicewithout providing adequate explanation or documentation. On XX/XX/year>, I made a purchase from XXXX XXXX XXXX XXXX totaling {$830.00} and returned the merchandise in person the following day, XX/XX/year>. I received a return receipt by email from XXXX and submitted it to Wells Fargo as part of my dispute. Despite providing this proof multiple times, Wells Fargo has not only denied my claim but has failed to provide any written rationale or supporting evidence explaining how they reached their decision. I was told by a representative, " I dont know, you have to call XXXX XXXX '' and when I contacted XXXX XXXX I was redirected back to Wells Fargo . The only explanation I received was a vague accusation that the return was not accepted, but I was given no specific findings, no itemized review, and no documentation to justify this decision. 
This handling of my dispute is a clear violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and its implementing regulation, Regulation Z ( 12 CFR 1026.13 ). These laws require a creditor to conduct a timely, reasonable, and fair investigation of any billing error claim and to provide written explanation of its findings. Wells Fargos failure to produce documentation or explain the outcome in writing after multiple requests constitutes a denial of due process under these consumer protection laws. Additionally, this may also be considered an unfair and deceptive act under 15 U.S. Code 45 ( the FTC Act ), which prohibits institutions from misleading consumers or interfering with their ability to make informed decisions. By refusing to provide clear reasoning and documentation, Wells Fargo has not only withheld my rightful refund but has created financial harm, emotional stress, and a deeply frustrating experience for a consumer acting in good faith. 
I am requesting that the CFPB require Wells Fargo to immediately reinstate the {$830.00} refund, provide a detailed explanation and all documentation related to their decision-making process, and review their compliance with the Fair Credit Billing Act and Regulation Z. I also request that XXXX be required to submit any verifiable evidence supporting their claim that the return receipt was invalid or manipulated, or to withdraw that accusation entirely if it can not be substantiated. No consumer should be left financially responsible for merchandise they no longer possess and returned properly, simply because a financial institution and merchant are unwilling or unable to document their decisions.

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 2025-07-25 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:
Several accounts and inquiries have been reported to the credit bureaus using my personal information, yet I did not authorize or initiate any of these transactions. The disputed information does not relate to any transaction made by me. I submitted an FTC Identity Theft Report, proof of identity, and a written statement clearly identifying the fraudulent information. However, the credit reporting agencies and furnishers have failed to remove these accounts, in violation of federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ), consumer reporting agencies are required to block fraudulent information within XXXX business days of receiving appropriate proof. Additionally, 15 U.S.C. 1681s2 ( a ) mandates that furnishers of information must not report data they know or reasonably should know to be inaccurate. By continuing to report or verify these fraudulent accounts, the furnishers and agencies are violating my rights under the FCRA. I am also protected under the XXXX XXXX ( XXXX ), which prohibits the misuse or unauthorized dissemination of my non-public financial data. These agencies and furnishers have failed to safeguard my personal information, leading to continued harm.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-25 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: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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 2025-07-25 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: EQUIFAX, INC.
State: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-25 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Block, Inc.
State: PA

Complaint narrative:
I went to look at my account I seen that a company was taking money out my account. When I talk to chime customer care they told me its nothing they can do. Then I called again and they said they will look into it and never it so I never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
my mom sent me an XXXX on PayPal, and it originally said the money would arrive today by XXXX Now it just says " Estimated transfer : XX/XX/year> '' with no specific day, and the money is still pending. its been XXXX hours later & i still have not received my money. i am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
Today, during my routine check of my credit report, I found errors that hadnt appeared before. I thought it might be a simple display issue and tried refreshing the page, but the inaccurate accounts remained. For this reason, Im asking that the documents I provided be examined closely so this doesnt continue to be a source of concern.

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 2025-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I had called Rushmore Servicing to inform them of my financial hardship and short term XXXX back in XXXX of 2024. 
On XX/XX/year> Rushmore Servicing sent me an approval letter back. 
The letter offered a repayment plan by loan XXXX XXXX XXXX. 
The letter stated - Repayment Plan Terms As of XX/XX/year>, the total amount you will need to pay to bring your loan current is {$420.00}. This includes all past due amounts of unpaid interest, principal and escrow ( if applicable ), as well as late charges and amounts that we paid on your behalf ( Servicer Advances ). 
I then paid the amount of {$420.00} before the 3 months term was over. XXXX accepted my payment of {$420.00} The following month they had informed me I owed all back payments of over XXXX pay {$300.00} more in monthly payments. I responded on XX/XX/year> informing them of my approval and payment. That I was abiding by terms and now it has changed. 
Rushmore informed me there was an error in previous approval. They would not honor it. 
I arranged any kind of finances based on approval and have not been able to pay the now {$24000.00} they demand and am facing foreclosure. 
Rushmore should stand by what they offered as terms requested were met and payment required was made. 
I should have not owed any monies towards past due amount based on their approval sent to me by Rushmore Servicing. 
Rushmore Servicing is not honoring their commitment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-25 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-25 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-25 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Fraudulent inquiries on mycreditreport : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-25 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: TX

Complaint narrative:
The company CREDIT COLLECTION BUREAU - put a false collection account on my personal credit report from a company debt which had no personal ties that was disputed by us back in XXXX. This is a debt that the company does not owe and has nothing to do with me personally, yet somehow they put a negative mark on my credit report with completely false information. On my personal credit report they also state the account was from XXXX, this is materially false again - it has nothing to do with me personally and it has to do with a company dispute from XXXX. This company is submitting false information to credit bureaus in order to force people to pay debts that have nothing to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
Several accounts and inquiries have been reported to the credit bureaus using my personal information, yet I did not authorize or initiate any of these transactions. The disputed information does not relate to any transaction made by me. I submitted an FTC Identity Theft Report, proof of identity, and a written statement clearly identifying the fraudulent information. However, the credit reporting agencies and furnishers have failed to remove these accounts, in violation of federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ), consumer reporting agencies are required to block fraudulent information within XXXX business days of receiving appropriate proof. Additionally, 15 U.S.C. 1681s2 ( a ) mandates that furnishers of information must not report data they know or reasonably should know to be inaccurate. By continuing to report or verify these fraudulent accounts, the furnishers and agencies are violating my rights under the FCRA. I am also protected under the XXXX XXXX ( XXXX ), which prohibits the misuse or unauthorized dissemination of my non-public financial data. These agencies and furnishers have failed to safeguard my personal information, leading to continued harm.

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