vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I used my credit card to charge a vacation at the XXXX XXXX XXXX XXXX XXXX. The owed balance Is XXXX I was charged XXXX. 
First I tried to resolve with the hotel we could not communicate properly. 
Then I decided to dispute with credit card company. 
They did the investigation and even got a response from hard rock that I owed XXXX and still closed the investigation. I faxed them to appeal that they did not correct the difference. And they stated fax was not working. Then they escalated my dispute they call me and leave me message and no return number. So they send me a letter that they tried contacting me unsuccessfully. 
This has been ongoing and there is no way to resolve this the communication other than with customer service rep is non existent.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While trying to apply for a hamp modification in XXXX i was told that i had to be late or have missed payments for wells fargo take my application. It has come to my attention that wells fargo was involved in insurance scams againt the elderly called Elderly fraud, or elder financial abuse and exploitation, involves scams that target older adults to illegally obtain their money, property, or assets, causing significant financial losses and emotional distress. By making me defalult they collected PMI & credit default swap insurance. I am seeking " Retribution '' is a word meaning punishment inflicted for a wrongdoing, often justified by proportionality and the idea of " paying back '' the offender for their actions. for these illegal actions against me a senior in the state of XXXX. This home was my retirement investment and everything should have been done to help protect my home from it being take unfortuneatley the opposit happend. wells fargo foreclosed x XXXX XX/XX/XXXX and XX/XX/XXXX XXXX neither time did wells fargo produce any discovery. servicer # XXXX nationstar told the judge asking for documents for a XX/XX/XXXX trial that they had no original documents and then servicer # XXXX seline finance was able to take my house with fraudulent documents and ot even a note produced. Attached to this complaint is various affidavits of my stiry as well as a paper from XXXX university with the info that happened to me highlighted. I am seeking " Retribution '' is a word meaning punishment inflicted for a wrongdoing, often justified by proportionality and the idea of " paying back '' the offender for their actions. I want retribution before i have to file a federal law suit against them, nationstar & seline finance. i am a senior of XXXX yrs old I am an RN this investment was mine for retirement not for someome to steal my home. elder fraud is a crime. ( Elderly fraud, or elder financial abuse and exploitation, involves scams that target older adults to illegally obtain their money, property, or assets, causing significant financial losses and emotional distress. Common forms include tech support scams, investment fraud, government impersonation, and romance scams, which often involve creating a sense of urgency or trust to trick victims into sending money via wire transfer, gift cards, or cryptocurrency. To report elder fraud, contact the FBI 's XXXX XXXX XXXX XXXX ( XXXX ) or the XXXX XXXX XXXX XXXX and be vigilant for red flags like unsolicited contact, pressure to act quickly, or requests for personal information or unusual payment methods. ) and after this complaint i am putting XXXX in the system for elder fraud.

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 2025-09-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I presume 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 2025-09-16 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: GA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Subject : Navient Inaccurate Student Loan Reporting Body : I dispute the Navient account. Navient is reporting duplicate accounts and conflicting data on repayment history, violating FCRA 607 ( b ). They have not provided full payment history or signed promissory notes. Under 611 ( a ), unverifiable student loan data must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I am disputing multiple hard credit inquiries that appear on my credit report. These inquiries were made without my knowledge or authorization in a concentrated period between XXXX and XXXXXXXX XXXX. 

On or around XX/XX/year>, and XX/XX/year>, a series of credit checks were performed by various automobile finance companies and lenders. The volume and timing of these inquiries suggest that a single credit application may have been " shotgunned '' to numerous subprime lenders without my explicit permission for each individual hard pull. 

I did not apply for credit with each of these specific companies individually. I have no existing relationship with them, and I did not authorize them to access my full credit report for the purpose of a credit decision. The presence of these unauthorized inquiries is negatively impacting my credit score.

The companies and inquiry dates I am specifically disputing include, but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/year> XXXX XXXX * Actions I have taken : * * I have reviewed my credit reports and identified these errors. I have also placed a fraud alert on my credit file due to the suspicious nature of these credit pulls.

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 2025-09-16 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:
I am disputing multiple hard credit inquiries that appear on my credit report. These inquiries were made without my knowledge or authorization in a concentrated period between XXXX and XXXXXXXX XXXX. 

On or around XX/XX/year>, and XX/XX/year>, a series of credit checks were performed by various automobile finance companies and lenders. The volume and timing of these inquiries suggest that a single credit application may have been " shotgunned '' to numerous subprime lenders without my explicit permission for each individual hard pull. 

I did not apply for credit with each of these specific companies individually. I have no existing relationship with them, and I did not authorize them to access my full credit report for the purpose of a credit decision. The presence of these unauthorized inquiries is negatively impacting my credit score.

The companies and inquiry dates I am specifically disputing include, but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/year> XXXX XXXX * Actions I have taken : * * I have reviewed my credit reports and identified these errors. I have also placed a fraud alert on my credit file due to the suspicious nature of these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Citi credit card account with a {$27000.00} limit with a low balance. On XX/XX/year>, Citi attempted to debit {$20.00} from my linked XXXX account, and on XX/XX/year>, they attempted to debit {$130.00}. Citi later claimed both payments were returned. 
XXXX has confirmed that no debit requests were ever received on those dates. Citi has not provided ACH trace numbers or proof that the transactions were properly submitted. The issue appears to involve XXXX, the third-party data processor Citi uses , but I was never given documentation or a chance to resolve the matter before action was taken. 
Despite having sufficient funds available on my XXXX XXXX Account and despite the dispute not being investigated, Citi immediately closed my {$27000.00} account and reported two late payments to the credit bureaus. This has significantly harmed my credit profile. 
I am filing this complaint because Citi : Reported late payments without proof that the payments were ever presented to my bank. 
Failed to provide ACH trace numbers or proper documentation. 
Closed my account without giving me an opportunity to dispute or place a hold pending review.

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 2025-09-16 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
We started this process XX/XX/XXXX. I signed documents and had to keep signing more, I signed the documents to change over to my next lender XX/XX/XXXX .. XX/XX/XXXX I was told by the representative who was helping me they backed out of the deal to my credit score dropping due to me not making payments he said he didnt know who told me not to make my payments. 

I was told by their representative not to make a payment while refinancing was being processed. 
As a result, my account became delinquent, and mine and my mothers credit dropped over XXXX points. 
I now face financial hardship and additional costs because of their misrepresentation. 
I attempted to resolve directly with AutoPay, but they refused to renegotiate or compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-16 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: WA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX : This letter is a Notice of Error and Request for Information under 12 U.S.C. 2605 ( e ) ( RESPA ). 
Errors Identified Payments Misapplied Mortgage payments of {$4000.00} were made XXXX 2025. 
XXXX statements confirm receipt, yet balances were advanced to escrow and misapplied as past due, resulting in false delinquency reporting. 
Improper Escrow Handling Escrow disbursements for taxes ( {$4300.00} ) and insurance ( {$2800.00} ) were advanced despite a shortage. 
Rather than properly spreading the shortage, XXXX carried forward a delinquent status, charged late fees, and transferred that error to XXXX. 
False Transfer Ledger XXXX  XX/XX/year> statement shows the loan as five months past due ( presently due for XX/XX/scrub>/2025 ) with {$20000.00} past due. 
This is inaccurate and conflicts with my payment history. 
Credit Reporting Risk Any delinquency reporting based on these servicing errors would constitute a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. 
Required Actions Correct the loan history to reflect on-time payments XXXX 2025. 
Remove all late fees, shortages, and delinquency entries resulting from escrow advances. 
Provide a corrected account ledger from XX/XX/year>2025 to present. 
Confirm in writing that no negative credit reporting has occurred, or if reported, that corrections will be submitted immediately to all credit bureaus. 
Compliance Pursuant to RESPA, acknowledgment is required within 5 business days and a complete written response within XXXX business days. 
Please direct all responses to my mailing address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief