vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
On XXXX XXXX. We spoke with XXXX XXXX from Carrington Customer Advocate who requested we file this complaint in writing after discussing the numerous issues and complaints we have regarding Carrington handling of the account XXXX. 
1. Carrington continues to state the current investor is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX legal title trustee for XXXX XXXX XXXX XXXX XXXX who denied both a modification application and payment of our XXXX XXXX XXXX property taxes. This is a completely separate entity of the plaintiff named if XXXX  Foreclosure complaint XXXX XXXX XXXX XXXX as legal title trustee for XXXX XXXX XXXX XXXX XXXX. This also contradicts the previous Servicer who stated the Investor is XXXX XXXX XXXX XXXX legal title trustee for XXXX Asset Backed XXXX. We request a full explanation how XXXX completely separate entities are named as legal title trustee by Carrington and the contradictions of the named investor since XXXX. 
2. Carrington has continually given us XXXX different named law firms as their representatives in the foreclosure complaint. Originally Carrington told us XXXX XXXX was their law firm to contact, however when we went to an oral hearing XXXX XXXX XXXX told the XXXX  XXXX that they were the legal council for Carrington completely different from what Carrington told us. In fact, XXXX XXXX ordered us in email to contact him directly anytime we had a conversation with his client Carrington through XX/XX/XXXX and next hearing. However Carrington states that XXXX XXXX is their legal firm as of XX/XX/XXXX once again giving us false and/or contradictory information causing us added stress and mental anguish. We are requesting a full explanation of all dates the legal firms switched since XX/XX/XXXX and all legal fees added to the account since XX/XX/XXXX, as well as the reasons why Carrington continues to state XXXX XXXX is the legal firm and switched from XXXX XXXX XXXX after XXXX XXXX told court and XXXX that XXXX represents Carrington and to contact him after speaking with Carrington. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX have stated they are XXXX completely separate entities. They also have stated they have no authority regarding property taxes, modification and foreclosures. We are once again requesting Carrington give full explanation of the serious issues stated above regarding XXXX XXXX  and their acknowledgment that they have no authority.

4. Payments made by XXXX in XXXX and added to suspense account were misappropriated by XXXX in XXXX when the account was permanently modified and the XXXX misappropriation of the payments clearly caused the XX/XX/XXXX to go into default through no fault of XXXX and the current foreclosure complaint should be immediately withdrawn & dismissed with prejudice by Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
Im trying to find a complain for XXXX. They sold information to a third-party that third-party is acting like a lawyer firm theyve been harassing me. They made me go to court show up to court and then say I didnt show up to court. Theyve been sending out Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I submitted a request for a refund of payments made towards my students loans from XX/XX/XXXX - XX/XX/XXXX. Mohela refunded me payments made from XX/XX/XXXX - XX/XX/XXXX through their service platform but submitted a request to XXXX treasury on my behalf for remainder of payments made from XX/XX/XXXX - XX/XX/XXXX while loans were serviced by XXXX. I call Mohela every XXXX months to check in on request and told there is no way to follow up and I need to continue waiting for refund of {$17000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened my account in XXXX or XXXX for a high yield savings. They keep locking me out and not allowing me access to the point that I decided to close my account and transfer the funds. They keep saying theyre going to send me the money into my checking or via mail and they have not. It keeps getting pushed back claiming its because of security. I was supposed to get it weeks ago and later I was told Monday. After yet another 45 min convo I was told they would come in Friday, but the transaction was declined. They said by Monday hopefully. I am very worried they are not going to ever let me get access. I have spent at least fifteen to twenty hours on the phone with them.

No one knows what is going on when I speak to customer service. I wish I never signed up with them. This has caused me so much stress and waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had an unauthorized charge on Tuesday XX/XX/year> to my Chime account for {$220.00} and I made a dispute with Chime and my claim was denied on XX/XX/XXXX. I dont not have an extra {$220.00} to lose out on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am filing a complaint against Equifax for inaccurately reporting my XXXX  XXXX XXXX credit card account ( XXXX XXXX XXXXXXXX ) as having six late payments. This is completely false. 

This account has never been paid late. The other two major credit bureaus report this account accurately, showing no late payments. Only Equifax is misreporting this information, which is harming my credit. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the maximum possible accuracy of the information it reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am filing a complaint against Wells Fargo for refusing to cash a XXXX money order drawn on its own bank in the amount of {$670.00}, payable to XXXX XXXX, XXXX. 

On XX/XX/year>, I spoke with a Wells Fargo CSR named XXXX, who confirmed that I could cash the XXXX money order for a {$10.00} fee, provided I presented valid business documentation ( Articles of Incorporation ) and ID. Relying on this information, I traveled from XXXX, XXXX an hour each wayto the XXXX, GA branch. 

Upon arrival, the teller attempted to process the money order but was unable to cash it because the system flagged it as for deposit only. The branch banker could not provide any written policy or documentation explaining this restriction. This was my second trip, after a failed visit to the XXXX, GA branch on XX/XX/year>, which was closed on XXXX. 

This misrepresentation caused financial hardship, emotional distress, and lost resources, as I had borrowed a vehicle to travel and relied on the assurance that the money order would be honored. 

Actions requested/ Outcome sought : Immediate assistance in cashing or redeeming the {$670.00} XXXX money order. 

Reimbursement for documented travel-related expenses, loss of time, and emotional distress caused by reliance on inaccurate guidance provided by Wells Fargo staff .

Written clarification of Wells Fargos internal policy regarding XXXX money orders drawn on its own bank, including any for deposit only restrictions. 

Policy transparency : I request that Wells Fargo update all applicable customer-facing communications ( website, in-branch materials, and CSR scripts ) to clearly state the process, limitations, and eligibility requirements for cashing XXXX money orders drawn on Wells Fargo. This should be prominently displayed in bold letters to prevent similar issues for other customers.

Additional notes : The CFPB and OCC have already been notified of this matter. I expect prompt action and resolution from Wells Fargo.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I filed a XXXX XXXX with the United States Bankruptcy Court XXXX XXXX of North Carolina XXXX XXXX. My case number is XXXX. Monies owed to OportunXXXX were included in this case. Yet, they are still reporting to the credit bureaus that my account is delinquent, with a payment status reflecting late 30 days. I have reached out to them several times after my attorney ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NC XXXX ) informed me that after the discharge, the company must show XXXX dollars owed and note included in bankruptcy with no new negative reporting. My XXXX XXXX was discharged on XX/XX/year>, and they continue to report to XXXX despite my efforts to resolve this with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Trans world Systems applied a collection to my credit stating it was just opened XX/XX/year>. I have not received any literature on this no bill was sent to me to attempt to resolve. It is a {$1500.00} collection. I have not had an XXXX XXXX in years and the XXXX XXXX was opened under my ex fiance whom I have an order of protection from. She used my name to open many accts that I am not just finding out about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Today at XXXX I went to XXXX where my card was declined for XXXX then declined for XXXX chime let the money come out of my account anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: 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 15 USC 1681b 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 ( 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 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the deletion of all inaccurate and unverifiable information appearing on my credit file under variations of my name. My correct legal name is XXXX XXXX XXXX, as verified by the attached copies of my government-issued Florida drivers license and Social Security card . 

Upon reviewing my IdentityIQ 3-Bureau Credit Report dated XX/XX/year>, I discovered multiple erroneous versions of my name, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect spellings indicate that my file has been mixed with other records, resulting in unverified and unauthorized accounts being attributed to me. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and delete any item that can not be verified with absolute accuracy. 

Because the information reported under these misspelled names does not belong to me, and there is no legal basis linking them to my verified identity, I demand the removal of all accounts and inquiries associated with these incorrect names. These include, but may not be limited to, entries such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if reported under a misspelled name ) Under the FCRA, failure to ensure complete and verifiable accuracy constitutes willful noncompliance. If this inaccurate information is not corrected or deleted within 30 days of receipt of this dispute, I will exercise my right to seek legal remedy under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and further action with the Consumer Financial Protection Bureau ( CFPB ) and Florida Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the deletion of all inaccurate and unverifiable information appearing on my credit file under variations of my name. My correct legal name is XXXX XXXX XXXX, as verified by the attached copies of my government-issued Florida drivers license and Social Security card . 

Upon reviewing my IdentityIQ 3-Bureau Credit Report dated XX/XX/year>, I discovered multiple erroneous versions of my name, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect spellings indicate that my file has been mixed with other records, resulting in unverified and unauthorized accounts being attributed to me. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and delete any item that can not be verified with absolute accuracy. 

Because the information reported under these misspelled names does not belong to me, and there is no legal basis linking them to my verified identity, I demand the removal of all accounts and inquiries associated with these incorrect names. These include, but may not be limited to, entries such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if reported under a misspelled name ) Under the FCRA, failure to ensure complete and verifiable accuracy constitutes willful noncompliance. If this inaccurate information is not corrected or deleted within 30 days of receipt of this dispute, I will exercise my right to seek legal remedy under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and further action with the Consumer Financial Protection Bureau ( CFPB ) and Florida Attorney General.

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 2025-10-23 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: NV

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting on my Experian credit report. Despite my efforts to dispute certain collection accounts, Experian continues to report these items on my credit file. 

Specifically, I submitted disputes regarding collections that were not validated by the creditor. According to the Fair Credit Reporting Act ( FCRA ), if a creditor fails to validate a debt, the credit reporting agency is required to remove the item from the consumers report. Despite this, Experian has refused to remove the accounts, which constitutes inaccurate reporting and is negatively affecting my credit. 

I am requesting that the CFPB investigate this matter and ensure that Experian corrects my credit report by removing these unvalidated collections. I have attached documentation of my disputes, communications with Experian, and any responses I have received. 

This situation has caused me financial harm and undue stress, and I am seeking resolution to ensure my credit report accurately reflects my credit history. 

Thank you for your attention to this matter. I look forward to your prompt assistance.

Company response to consumer: Closed with explanation