vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I went into the Wells Fargo branch to close out my safety deposit box that I had previously co-owned with my father ( XXXX XXXX XXXX and was informed it was drilled open in XXXX and sent to the XXXX XXXX XXXX  - unclaimed property due to lack of payment. They had sent a letter to my father ( with my name also on the letter- but only sent to his address ) on XX/XX/XXXX for payment, however my father passed away on XX/XX/XXXX, so this letter would have been returned to the bank. In early XXXX, I went into Wells Fargo with my father 's death certificate ( I was the executor of his estate ) to clos out all of his accounts. They never mentioned anything about the safety deposit box. When I spoke with the manager of this Wells Fargo branch ( XXXX XXXX ) on XX/XX/XXXX, she told me they would NEVER drill a box without going to great lengths to find the owner. At this point, I was in their system for XXXX YEARS and live XXXX mile away. She advised me to file a claim with the XXXX XXXX XXXX XXXXXXXX XXXX, which I did on XX/XX/XXXX. I was subsequently informed the contents of my box were sold in a public auction in XXXX in accordance with statute A.R.S. 44-312. They sent a " XXXX XXXX XXXX Forced Entry Inventory '' with no explicit description of the contents. The XXXXXXXX XXXX XXXX sent me a check for {$88.00}. XXXX XXXX ( Wells Fargo Escalations Representative sent me a letter on XX/XX/XXXX saying they have " closed the case '' as I never filed a change of address for the box. I spoke with an attorney who called this " gross negligence. '' Not only was {$88.00} a ludicrous value, but there were some sentimental items that can never be recovered. Now a XXXX YEAR customer of Wells Fargo, I find their unwillingness to off me a fair compensation for their egregious act a violation of their fiduciary responsibility for keeping my property safe.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting a goodwill adjustment for a single missed payment reported by XXXX XXXX XXXX. Due to financial hardship after losing my job in XX/XX/XXXX, I was a few days late on this payment. I have since paid in full and am current. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate and fair. While the late payment is technically accurate, the circumstances reflect a temporary hardship and not my typical payment behavior. Courts have recognized that credit reporting agencies and furnishers should consider such context to avoid unjust harm to consumers ( see XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I respectfully ask TransUnion to remove this late payment as a goodwill adjustment to help me rebuild my credit. 

Thank you for your consideration.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, which are inaccurate and have not been properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without supporting documentation.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate information. Under 15 U.S.C. 1681i, the credit bureaus are required to perform a reasonable investigation within 30 days. Neither the furnisher nor the bureaus have provided sufficient evidence to support this negative reporting, and I am requesting that these late payments be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate and Unverified Information Under 15 U.S.C. 1681c-2 & 1681i To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the information reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( deletion of obsolete or inaccurate information ) and 15 U.S.C. 1681i ( requirement for reinvestigation and deletion of unverifiable data ), I demand that you immediately investigate and delete all information that can not be fully verified. 

Accounts to Be Investigated and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information Correction : Update my credit file to reflect the following accurate personal information : Name : XXXX XXXX Date of Birth XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete the Following Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the Following Incorrect Employers : Final Touch Delivery Service XXXX XXXX XXXX Legal Basis : Under 15 U.S.C. 1681c-2 and 1681i, you are required to conduct a reasonable reinvestigation and remove any inaccurate, incomplete, or unverifiable information. As clarified by XXXX XXXX XXXX XXXX XXXX. LLC ( XXXX ), mere statements are not sufficient to prove debt ownership ; you must have full documentation showing a complete chain of assignments. If these debts have been securitized or sold, continued reporting is furnishing inaccurate information.

Expected Action : Delete all unverifiable or inaccurate information from my credit report.

Provide me with written confirmation of deletions and updated copies of my credit report.

Include copies of any verification documents relied upon in your investigation.

Failure to comply within 30 days will result in complaints filed with the CFPB and FTC, and I will pursue legal remedies under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages, including attorneys fees.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a resolution specialist at XXXX. She informed me that although I have made over XXXX of the required XXXX loan payments on my Income Driven Repayment plan she could not discharge my loan because forgiveness under the IDR plan is on pause along with the SAVE plan. I was advised to continue to make payments regardless of the fact that the government owes me a refund on payments made in excess of the required XXXX payments I have made. I am a XXXX and can not afford to make payments ad infinitum. If I apply for a forbearance I run the risk of adding to the interest owed on my loan should the government decide to cancel IDR forgiveness altogether.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
b'TransUnion have allowed Unauthorized reports of my credit report and its numerous of hard inquiries messing up my credit that I have never seen or heard of could you please remove the Following Unauthorized Hard Inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account that was opened fraudulently is effecting my credit score they corrected it on Experian and XXXX  but not TransUnion didnt delete the account closed and put I was delinquent on payments which is inaccurate.\n\n\nExperian Also have False Collection Accounts That I keep disputing but not getting anything resolved its an unauthorized charge on my account for the collection I never had XXXX  insurance I wanna delete the collection off my Experian report \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a late payment notation associated with the following account that appears on my TransUnion credit report : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2021 Reported Balance : {$310.00} I believe this reporting to be either inaccurate, outdated, or unverifiable. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I respectfully request that TransUnion initiate a reinvestigation into this item and provide verification directly from the original creditor. If the accuracy of the late payment can not be substantiated with original source documentation, I request that it be corrected or removed in accordance with federal law. 

This item has had a negative impact on my credit profile, and I am seeking a fair resolution through proper reinvestigation procedures. Please provide me with the results of your reinvestigation, the method and source of verification, and an updated copy of my credit report reflecting any changes made. 
I appreciate your prompt attention to this matter and expect a response within the 30-day window as outlined by 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 2025-07-14 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: CL Holdings LLC
State: NY

Complaint narrative:
XXXX  is reporting a charged off account in the amount of {$52.00} from a debt collector. This account does not belong to me. It is fraud. I have contacted both parties for months since XX/XX/year> when it was first reported and both parties have refused to help take it down. I am not the owner of this account and I do not owe {$52.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed the debt with all 3 credit bureaus numerous times about XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I have inquiries on my report from banks from a dealership who did not have my permission to run my credit several times. I sent several letters to all 3 credit bureaus to have this information deleted. It just comes back verified with no information. This is not my debt. I need this deleted.

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 2025-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
My home loan/mortgage of the last 3 years with XXXX was transferred to Planet Lending LLC without notification. My Escrow account balance reserve amount has been {$1000.00} for the previous 3 years, but Planet Lending has claimed that a minimum {$4000.00} be on reserve in escrow and that increase has added {$400.00} dollars to my overall mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 2025-07-14 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-14 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a 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