vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NRA Group, LLC
State: TX

Complaint narrative:
Information is old and continues to be reported. It never goes away.

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 2025-05-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got scam from buying fake jewerlies and Venmo donnt give me a refund and they provided wrong evidence to my boa so my bank refused my refund. Customer service Venmo realy realy bad and rude. I have no hope to get money back but I want to report Venmo cause many problem with many ppl as me got scam and can not get money back, means that Venmo is risk and unsafe. I hope Venmo will be closed for customer safely

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 2025-05-15 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated scam in which individuals impersonating Wells Fargo and the FBI called me and convinced me my account was compromised. They instructed me to transfer {$7900.00} using XXXX XXXX to secure my funds. The scammers used pressure tactics and made the call appear legitimate. 

The transfer was completely out of character for my account I had never sent a transaction like this via XXXX XXXX before yet Wells Fargo did not alert me or require verification. 

After sending the funds, the scammers continued calling. I received a total of 6 calls from two different numbers on the same day and the day after the transfer. This included calls from : ( XXXX ) XXXX ( XXXX ) XXXX The next day, someone attempted to access my XXXX account as well. This indicates further targeted fraud and possible identity compromise. 

I reported this fraud to Wells Fargo the same day and submitted : A full written timeline Screenshots of scam messages and call logs XXXX XXXX transaction confirmation FTC Report # : XXXX FCC Report # 1 : XXXX FCC Report # 2 : XXXX FCC Report # 3 : XXXX A police report filed with XXXX Police Department An IC3 report filed with the FBI I later spoke with Wells Fargo and was told my case was escalated to the Executive Office. The new case number is XXXX, and Im currently awaiting a call or written response from a case specialist.

Despite all this, Wells Fargo denied my fraud claim. I acted in good faith, followed up immediately, submitted extensive evidence, and am now requesting that the CFPB investigate and help recover the {$7900.00} I lost due to this scam.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: MO

Complaint narrative:
Hello, I was a victim of identity theft in XXXX. I disputed the collection with Sentry recovery and collections Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

several times since XXXX  only to have it rejected. This has negatively impacted my credit score and access to housing. The balance that is unjustly listed under collection is {$2300.00}

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Financial Institution DC Code Title 47-351 contracts investment fraud conflict of interests 18 U.S.C. Section 208 associative in relations to 15 U.S.C. Section 1637 and 15 U.S.C. Section 1666 advertisement applications income tax refunds credit debit cards, or directive relationship interests to Director, Individual Tax Division, Internal Revenue Service, XXXX XXXX XXXX, XXXX XXXX  , D.C. XXXX that conflicts with the performance of contractual official duties described as decisions, approvals, disapprovals, recommendations, the rendering of advice, investigations, or otherwise, in a judicial, or other proceeding affecting excise exempt personal property income salary tranches, commerce 18 U.S.C. Section 641 stolen government property 18 U.S.C. Section 2314 income tax refunds EFTA E-File, 18 U.S.C. Section 8 indebtedness, securities registration XXXX, or 15 U.S.C. Section 1692 ( c ) bond debt collections, or rescission of securities 15 U.S.C. Section 1635, finances contractual resources misapplication 18 U.S.C. Section 656, and aggravated identity theft 18 U.S.C. Section 1028A participations ; withdrawals by negotiable instruments 12 U.S.C. Section 1832 ( c ), or transferable instruments for transfers to third parties, 18 U.S.C. Section 1001 false financial statements latency over the periods 2021, 2022, 2023, and 2024 encompassing interstate commerce 15 U.S.C. Section 1214, the property description reportable statement W9/W2 Salaried Income Tax Refund 1040 Adjusted Gross 26 U.S.C. Section 62 transactions purpose means, the depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or * registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means.

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 2025-05-15 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-15 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:
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ExperianXX/XX/XXXX XXXX, TX XXXX Subject : Urgent Dispute of Unauthorized Credit Inquiries Dear Experian I am writing to formally dispute unauthorized inquiries and fraudulent accounts listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Please treat this letter as my formal demand for immediate removal of the following unauthorized inquiries from my credit report promptly without 14 day investigation period in accordance with the legal rights offered to me under FCRA 604 ( b ) and 15 U.S. Code 1681 ( n ) XXXX XXXX XXXX Inquired on XX/XX/year>XX/XX/XXXX Inquired on XX/XX/year> XXXXXX/XX/XXXXInquired on XXXX XXXXXX/XX/XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>XX/XX/XXXX 
Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XX/XX/XXXXXXXX Inquired on XXXXXX/XX/XXXXThese inquiries were made without my knowledge and consent. As protected by 15 U.S. Code 1681 ( n ), I demand these inquiries be removed immediately without a prolonged 14-day investigation. Failure to comply will necessitate further action as allowed by federal law, including full recourse for any damages endured due to non-compliance. 

Please confirm the removal of these inquiries and fraudulent accounts as soon as possible to prevent further damage to my credit profile. I am enclosing a copy of my FTC Identity Theft Report and a copy of my ID. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
In the XX/XX/XXXX, I recieved a lawsuit note from HAYT HAYT & LANDAU a third party debt collector. They said they are representing XXXX XXXX. However in XX/XX/XXXX I responded requesting a debt valition via the XXXX XXXX courts of XXXX. Upon these day, they never provided to me and they still persuing with lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

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 2025-05-15 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: CA

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 2025-05-15 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-15 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: PA

Complaint narrative:
XXXX XXXX  account # XXXX TransUnion - 30 late payment for month XX/XX/XXXX Experian - payment on time for moth XX/XX/XXXX XXXX XXXX  account # XXXX TransUnion - shows 30 day late payment for month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian - shows my payment was made on time for months XX/XX/XXXX Equifax - shows my payment for months XX/XX/XXXX, XX/XX/XXXX was on time. 

XXXX XXXX  account # XXXX TransUnion- shows my payment for XX/XX/XXXX was 30 days late, XX/XX/XXXX payment was on time. 
Experian- shows XX/XX/XXXX payment was late, XX/XX/XXXX payment was on time Equifax - XX/XX/XXXX payment on time, XX/XX/XXXX payment late.

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 2025-05-15 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. With the attached PDF they must all match in Year and Month and they are not to do so.

Pease update and remove inaccurate negative late payments on credit report

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Our mortgage was taken over by ( transferred to ) RoundPoint Mortgage Company from XXXXXXXX XXXX over a year ago. RoundPoint maintained the same process as before, ie. using ACH to directly transfer $ XXXXmonth from our checking account for the regular payment, also to transfer a fixed amount of $ XXXXmonth for extra payment to the balance. 

During XX/XX/XXXX, we received the regular statement for {$880.00} principal balance for due XX/XX/XXXX which was obviously the last payment on the mortgage. There was no other information, ie., no stopping of ACH, nor any info on total payoff amount required. Naturally, we thought it would be handled the same way as before, ie, continue use of ACH for the last payment. 

But around XX/XX/XXXX, we did not see such expected ACH activity from our bank. Shortly after, we called the RoundPoint and found out they stopped ACH service on this account. In addition, there is other charges required : processing fees {$210.00} and late charge {$110.00} for overall total {$1200.00}. Immediately, we ordered a cashiers check of {$1200.00} and sent to them.

Meanwhile, we contacted them to explain that we never received any notification of the canceling of the ACH and requested a review of this case. They claimed that they have sent letter notifying us for the canceling of the ACH and also called us regarding this. But we did not receive any letter, nor any phone call from them during this time at all. In addition, we did not receive any info on full payoff until we called them in late XXXX and found the said total {$1200.00} which we paid using the said cashiers check. 

But during XXXX, we received the notification of total payoff of {$1200.00}. As of yesterday, they have called us to tell us their stand on this case of no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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