vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Urgent : Wells Fargo Stalling Illegal Modification Case # XXXX '' I am filing this supplemental complaint regarding Wells Fargo 's unlawful mortgage modification practices, tied to my existing case # XXXX. 

Key violations : On XX/XX/XXXX, Wells Fargo approved a mortgage modification without verifying my income, violating 12 CFR 1024.41. 

They are now deliberately stalling the investigation to avoid admitting fault before my XX/XX/XXXX home sale closing. 

Attached are two key documents proving Wells Fargos misconduct : Their XX/XX/XXXX letter confirming no foreclosure existedinformation they withheld until I filed a CFPB complaint. 

The illegal loan modification offer approved without income verification ( violating 12 CFR 1024.41 ). 

Together, these show a pattern of deliberate obstruction and regulatory violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NH

Complaint narrative:
On XX/XX/2025 I received a letter from " CBE Group Inc '' ( Reference # XXXX ) attempting to collect a debt on behalf of XXXX for an account that is NOT mine. I have not made any purchase on XXXX for the claimed amount, NOR do I know anything about the account listed in their letter to me ( account # XXXX ). This is clearly a scam someone is running against XXXX or CBE Group Inc, and if ANYONE had taken XXXX seconds to check the information, they would have seen that they had the wrong information before sending out a collections notice. 

The amount demanded is {$2300.00} and it is NOT my debt. 

I need CBE Group Inc to issue me a written apology and to acknowledge in writing that they have my name and address mixed up with someone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Over the past XXXX months, I have disputed the reporting of a charged-off XXXX XXXX XXXX XXXX XXXX with TransUnion, XXXX, and XXXX. Despite submitting XXXX separate rounds of formal disputes directly to all three credit bureaus and to XXXX, the account continues to be reported with major inaccuracies that have not been corrected. Key dates and actions : Account charged off : Previously reported by XXXX XXXX XXXX, open date XX/XX/XXXX. Dispute letters sent : XXXX rounds between XXXX and XX/XX/XXXX to all credit bureaus and XXXX, each time citing specific errors. Company and bureau responses : All responded with Dispute Resolved Consumer Disagrees, but no corrections or deletions have been made. Ongoing inaccuracies include : Inconsistent Last Activity Dates : TransUnion : XX/XX/XXXX XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX Each bureau lists a different date of last activity for the same account, which is a violation of the Fair Credit Reporting Act ( FCRA ) requirement for consistent and accurate data. XXXX Exceeds High Credit Limit : All three bureaus report a current balance of {$16000.00}, while the highest balance reported is only {$15000.00}. It is mathematically impossible for the charge-off balance to exceed the highest balance unless fees are itemized, which they are not. This discrepancy has been repeatedly brought to their attention and not resolved. Conflicting Payment Histories : XXXX  reports a mix of on-time payments, several late payments, and charge-offs. XXXX  shows XXXX consecutive months of charge-offs. TransUnion shows a charge-off with no late payments or payment history at all ( XXXX ). The three credit bureaus display entirely different payment histories for the same loan, violating the FCRAs accuracy and consistency requirements. Disputes Marked Resolved Consumer Disagrees : Each bureau and XXXX responded to my disputes with this remark, yet continue to report the same inaccurate and inconsistent information without correction. Because prior investigations have already been completed and the errors remain, this constitutes willful noncompliance and a continued violation of the FCRA. Impact : These repeated reporting errors and failures to correct have caused substantial harm, including denial of new credit and inability to qualify for a mortgage, despite my proactive efforts to resolve the issue. The continued reporting of verifiably false information has resulted in ongoing financial and emotional distress. I am requesting immediate deletion of this account from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX  Balance : {$1800.00} Open Date XX/XX/XXXX XXXX  Balance : {$1600.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance : {$970.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$290.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX : {$210.00} Open Date XX/XX/XXXX XXXX Balance : {$200.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian can not be reached by phone. They hide behind automated systems that do not connect with a real person unless you pay a membership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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've recently received a copy of my credit repot and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance : {$0.00} Open Account # XXXX Inquiries : XXXX XXXX Date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> XXXX XXXX VIA DEALER Date XX/XX/year>XXXX XXXX XXXX XXXX  Date XX/XX/year> XXXX XXXX Date XX/XX/year> XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX Date XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source Receivables Management stated that an account with a balance of {$500.00} was opened on XX/XX/year> and I have no knowledge of it. This also goes against USC 15 1692 and other civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This is a follow-up complaint regarding a previous CFPB complaint ( Complaint # : XXXX ). 

I disputed a charge-off account from XXXX XXXX  XXXX with Equifax, on the grounds that the account is inaccurately reported. Although the debt has been sold to a third-party collection agency ( I received a collection notice ), Equifax is still reporting a balance under XXXX XXXX  XXXX XXXX This violates the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ) and 1681i, which require the information to be accurate, up to date, and fully verifiable. 
Equifax responded stating the account was verified but failed to provide any documentation supporting the continued reporting of the balance or validation from the original creditor. They are now reporting a debt as charged off and showing a balance, even though XXXX XXXX XXXXXXXX no longer owns the debt. 
I am requesting CFPB 's assistance in having this information either verified with supporting documentation or permanently removed from my credit report. 

Attached Documents : - Most recent response letter from Equifax - My Method of Verification ( MOV ) dispute letter sent to Equifax - Collection letter from third-party agency attempting to collect on the same account Again, this submission is not an admission of liability. I am simply requesting that inaccurate or unverifiable information be corrected or removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation FDCPA Request Dear Midland Credit management XXXX I am writing in response to your communication dated, which I received regarding an alleged debt. I am requesting that you provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1.The amount of the alleged debt ; 2.The name of the original creditor ; 3.A copy of the original contract or agreement that verifies I agreed to assume the debt ; 4.A complete payment history, including the original amount, any interest, fees, or payments made ; 5.Proof that you are authorized to collect this debt in my state ; 6.A copy of any judgment ( if applicable ).

Until you provide this information, I am requesting that you cease all collection activities, including reporting to credit bureaus, as the debt has not been validated. 

Please treat this letter as a formal dispute of the alleged debt. I am also requesting that you do not contact me again except to provide the requested validation of the debt. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I am disputing the reporting of a late payment on my TransUnion credit file for XXXX ( account ending in XXXX ) dated XX/XX/year>. The account currently reflects a XXXX balance and zero past due amount, yet it is marked as having a late payment. This inconsistency directly contradicts the actual status of the account and is misleading. A late payment designation should not persist when there is no past due balance, especially when the account has been closed or settled. Such reporting harms my credit profile by misrepresenting the current payment status and paints a false narrative about my payment behavior. 

According to the Fair Credit Billing Act ( 15 U.S.C. 1666 and 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit bureaus must maintain maximum possible accuracy in consumer credit files. Reporting a late payment with no outstanding balance or past due amount demonstrates a failure to meet that standard. This derogatory mark is damaging my ability to obtain favorable financial opportunities and is not supported by the actual condition of the account. I believe this may stem from outdated or unverified data, which could be linked to broader issues such as systemic data breaches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
COAF ( Inquiry : XXXX XXXX, 2024 ) I did not authorize COAF to perform a hard inquiry on my credit, nor did it result in any offer of credit. This violates the FCRA as there was no permissible purpose. Please remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon carefully reviewing my credit report, I was shocked to discover a list of accounts and inquiries that do NOT belong to me. I honestly can't believe what I'm seeing! It is clear that I have been a victim of identity theft, and someone has used my personal information to commit fraud in my name. 

I am not only deeply frustrated, but also outraged to see how my credit history has been damaged with accounts I never opened or authorized. This is absolutely unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent items from my credit report as a victim of identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). 
The following accounts were fraudulently opened in my name and must be permanently blocked and removed : BANK OF AMERICA Account # : XXXX Fraudulent Amount : {$100000.00} To substantiate my claim, I have attached the following documents as required under FCRA 605B : Government-Issued Drivers License Social Security Card Utility Bill ( Proof of Address ) FTC Identity Theft Report Federal law mandates that fraudulent information must be blocked from my credit file within four business days of receiving this notice and supporting documentation. As a victim of identity theft, I demand that no investigation or further validation of these fraudulent items take place. 

Please provide written confirmation once these items have been permanently removed from my credit file. Should there be any questions or additional documentation required, I can be reached at the contact information provided above. 

I appreciate your immediate attention to this matter. 

Sincerely, 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent items from my credit report as a victim of identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). 
The following accounts were fraudulently opened in my name and must be permanently blocked and removed : XXXX XXXX XXXXXXXX Account # : XXXX Fraudulent Amount : {$100000.00} To substantiate my claim, I have attached the following documents as required under FCRA 605B : Government-Issued Drivers License Social Security Card Utility Bill ( Proof of Address ) FTC Identity Theft Report Federal law mandates that fraudulent information must be blocked from my credit file within four business days of receiving this notice and supporting documentation. As a victim of identity theft, I demand that no investigation or further validation of these fraudulent items take place. 

Please provide written confirmation once these items have been permanently removed from my credit file. Should there be any questions or additional documentation required, I can be reached at the contact information provided above. 

I appreciate your immediate attention to this matter. 

Sincerely, 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