vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo claim XXXX I was provided a credit for this dispute numerous times, which each time it being reversed for no apparent reason. Each time, I provided the requested information by Wells Fargo, and soon after each time they would reverse the credit with some new reason for the reversal, stating I could provide ____ to reverse the credit and reopen the claim. I believe this was by Wells Fargo to string this claim out to 120 days, with their reason being it's past the claim deadline ( to process a claim ). 

This is beyond ridiculous. There is no other reason Wells Fargo would do this besides stringing me along so that they can deny the claim under the aforementioned reason.

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 2025-03-31 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$700.00}

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 non-monetary relief
Consumer complaint received 2025-03-31 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:
TransUnion investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year> I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year> now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I did attempt to handle this issue directly with the company in order to not have to go to this, but they are refusing to cooperate in any manner. In fact the last person I spoke to said that the laws do not pertain to their company. Also would like to note that this account has been fraudulently added to two other credit agencies as well XXXX and XXXX both of those credit agencies confirmed that the information was fraudulent and permanently remove the information from my credit report. How can Trans Union be refusing to do the same? after theyve already removed it three times in the past..

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that the account listed on my credit report is currently in pending litigation. Given the situation, this account should not be reflected on my 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I got scammed {$200.00} out of my Checking account from XXXX, its a email I dont know and Im trying to get my reimbursement back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I was a victim of a scam. I received a call from a " representative of XXXX  XXXX XXXX '' claiming that someone opened up an account in my name and was withdrawing money and they would help me resolve this situation. I used to have an account with XXXX  XXXX XXXX but it was closed so through XXXX I sent {$490.00} & {$490.00} from my JP Morgan Chase AND {$490.00} from my XXXX XXXX checking account ( s ) to a " fraudulent representative of XXXX  XXXX XXXX ''. 
After realizing that I was scammed, on XX/XX/year> I contacted JP Morgan Chase XXXX XXXX XXXX  and made complaints and asked for a refund of {$490.00} & {$490.00} from Chase and {$490.00} from XXXX Bank via XXXX. They investigated the transactions and as a result their responses were XXXX ) No action will be taken XXXX ) this inquiry is now resolved. I received claim # 's XXXX & # XXXX from JP Morgan and Subject : XXXX from XXXX  XXXX. I also contacted XXXX and they were unwilling to assist or reimburse me a total of {$1400.00} due too the fact that both banks concluded an error did not occur. They determined the transaction was authorized and posted to my account appropriately. The investigation was closed from all institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
THIS ACCOUNT IS SHOWING CHARGED OFF BUT I STILL OWE A BALANCE WHICH MEANS THEY FILED ON IT AND IM ASKING FOR THIS ACCOUNT TO BE REMOVED DUE TO FRAUD AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$450.00} {$700.00} Individual

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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I submited my payments on time i had to udergo XXXX XXXX to remove a XXXX and asked to change my mailing address and it wasnt XXXX and do to that i have XXXX late fee on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

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 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I had a home loan with Rocket Mortgage, which closed on XX/XX/XXXX, that I refinanced with Rocket Mortgage on XX/XX/XXXX. In the original loan, an escrow account was established, and, in XX/XX/XXXX, XXXX mailed me {$5300.00} which they said was the overage in the escrow account from XXXX. I promptly called and asked why they collected so much more than necessary and why my monthly payments had not dropped since they were on track to over collect again. I was assured that their escrow analysis was accurate. 

I was contacted by Rocket about refinancing my loan in late XXXX XX/XX/XXXX and decided to move forward. I looked at my XXXX mortgage statement, and it showed an escrow balance of {$7900.00}. I remembered that taxes should've been paid in XX/XX/XXXX, and, sure enough, they were. So, Rocket overcharged me again in XXXX! I immediately reached out and demanded the escrow balance, but I was assured that since I was refinancing the loan, the money in the escrow account would be returned about XXXX weeks after the loan closes. I also demanded that the new loan not have an escrow balance at all since Rocket has not proven themselves a trustworthy steward of my money. As of XX/XX/XXXX, the escrow balance was {$10000.00}. 

On XX/XX/XXXX, I called Rocket mortgage to ask where my {$10000.00} is, and they told me that I would only receive about {$4800.00} and the rest was used to payoff my old loan. I did not authorize that. Rocket showed me a letter that they claimed they posted in their online portal informing me of their decision. I never saw this letter, and I did not acknowledge receipt or sign anything giving Rocket the authority to administer my money any way they saw fit.

{$500.00} per month in a high yield savings would have resulted in {$270.00} in interest that I do not have because Rocket overcharged me. However, I bet Rocket used my funds, and countless others, to make investments and earn themselves money. Their " erroneous calculations '' seem like a scam. 

Had I short paid my mortgage, Rocket would've certainly pursued me. Who pursues Rocket on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
Requested the following information from tek collect. They failed to provide the information.

am writing in response to your communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide full validation of this debt, including : 1. Proof that you have the legal right to collect the debt, including a copy of the original creditor agreement that grants you authority.

2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, and any additional fees.

3. A copy of the original signed agreement between myself and the original creditor, proving I have a legal obligation to pay this debt.

4. Verification of the statute of limitations for this debt in my state, including the date of last activity.

5. Proof that this debt has not been paid, settled, discharged, or otherwise resolved.

6. Your debt collector license number and authorization to collect in my state, as required by state law ( if applicable ).

7. The name and address of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I noticed in XXXX that my XXXX XXXX dropped by XXXX points, when looking further, I noticed that I have an account with spectrum that has not been paid. 

This is not correct, since I have not had a bill under my name since before XXXX. I had XXXX XXXX in XXXX in XXXX Texas, however, that was under my husbands name, not mine. 

We moved into our house in XX/XX/XXXX. We have had XXXX & XXXX since we moved in, and have not changed it since. 

The XXXX bill that is under my name and impacting my XXXX XXXX, is not mine, the information states that the bill began 1 year and 11 months ago, however, that does not fit the time line of when I moved into my house and required services. 

Prior to moving into my house, we had XXXX as the internet provider while living in The XXXX, Texas, however, the policy holder was my husband and not me. Prior to that, we had XXXX while living in XXXX Texas, again, under my husband 's name and not mine. 

I am attaching screenshots of these services to further support what I am stating.

Company response to consumer: Closed with explanation