vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account in question has been reported inconsistently across all three credit bureaus. One bureau shows the credit limit as {$0.00}, while others correctly report a {$500.00} limit. The high credit also varies, with two showing {$530.00} and one showing {$500.00}. Payment history is also inconsistentone bureau reports a 150-day late status while the others report 120 days. Additionally, the date of last payment is different, and closure reasons vary ( closed due to inactivity, canceled by grantor, paid account ). These discrepancies misrepresent the status and history of the account. I am requesting that the information be verified and corrected or removed if it can not be confirmed as accurate.

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 2025-04-17 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: MI

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the alleged debt that you claim I owe, referenced by account Portfolio Recovery ]. This is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Under this federal law, I am exercising my right to request full verification of this debt before taking any further action. 

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activities and cease reporting this account to any consumer reporting agency until you provide the following : A complete itemization of the alleged debt, including the original balance, interest, fees, and payments made ; The name and address of the original creditor, and proof of my contractual obligation to them ; A copy of any signed agreement or contract bearing my signature showing that I agreed to the alleged debt ; Proof of your legal authority to collect in my state, including license and bond information, if applicable. 
Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), if you are furnishing information to any credit bureau XXXX XXXX request that you mark the debt as " disputed '' during the resolution of this matter. Failure to comply may constitute a violation of both FDCPA and FCRA, and I will not hesitate to take further legal action if necessary. 

Please note that any attempt to collect this debt without proper validation is a violation of my consumer rights. 

This letter serves as my formal notice of dispute. Please respond within 30 days with the required documentation. I also request that all future communications be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a fraud text from what seemed to be from Wells Fargo asking if I recognized a wire asking me to reply Yes/No/Maybe. I replied no then immediately received a call from this number. They directed me to my Wells Fargo online banking account had me wire {$18000.00} ( two separate transactions ) but the recipient was me ( XXXX XXXX ) but to a XXXX  account ( I don't have XXXX  ). I immediately went to my nearest Wells Fargo branch and they attempted to recall the funds from XXXX. Seven days later, Wells Fargo said the recall was unsuccessful.

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 2025-04-17 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: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX  days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
.These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$760.00}, XXXX XXXX XXXX * * * * Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX M XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
.These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$760.00}, XXXX XXXX XXXX * * * * Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX M XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-17 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-17 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: TX

Complaint narrative:
I have set up auto pay with my servicer multiple times. Every two months I get a notice from them saying I am overdue and end up paying two months at a time, setting up auto pay again, and the cycle continues. I previously had changed my repayment type and what was quoted as weeks took several months to get a response or acknowledgement of my request. I have reached out about the auto pay issue as well with no response. I will be disputing any negative reports to my credit for late/missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the past XXXX months my credit cards were for some reason removed from my Equifax Credit report . This has drastically lowered my credit score and I was given no explanation as of how this happened or why. I have contacted Equifax and they can not provide me with the answer and they tell me it is not on them and I have to call my credit card company. I then call my credit card companies and they tell me it is not on them and it is on Equifax and something is wrong on their end. I keep on telling Equifax this and it always ends up with them telling me I have to call back the credit card companies and there is nothing they can do. I have received a written statement from my credit card company stating that their information is correct and it should be reporting to all credit reporting agencies but Equifax still has yet to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: FL

Complaint narrative:
am filing this complaint to report a serious discrepancy and inaccurate reporting by TransUnion regarding alleged 30-day late payments for the XXXX XXXX XXXX  account ( # XXXX * * * * * * * ). TransUnion is reporting four ( 4 ) separate 30-day late payments in the months of XXXX, XXXX, XXXX, and XXXX, which I dispute as erroneous and unsupported. 

This information conflicts with Equifax and Experian, which either report different data or inconsistent entries. This lack of consistency among the credit bureaus highlights a broader issue of inaccuracy and unverifiable reporting, violating multiple provisions under federal law. 

The reporting in question violates my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681s-2 ( b ) Obligates the data furnisher to investigate and validate the information with evidence.

15 U.S.C. 1681e ( b ) Mandates credit bureaus to maintain maximum possible accuracy.

I have explicitly requested manual verification of the alleged delinquencies, rather than automated confirmation through e-OSCAR, and demanded : Proof of due dates and actual payment posting dates via bank statements. 

Any documentation showing the source and method of verification. 

Specific records that substantiate the claim of delinquency. 

Furthermore, under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( XXXX ), MB FIN SVCS is required to provide billing statements at least 21 days before the due date. Failure to meet this obligation makes the report of a late payment invalid. 

Additionally, reporting unverifiable derogatory information is a deceptive practice prohibited by XXXX, and violates Regulation V ( 12 CFR Part 1022 ) which requires reasonable procedures to ensure accuracy. 

This practice has already been addressed in case law : XXXX XXXX XXXX University ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Experian ( XXXX ) XXXX XXXX Equifax ( XXXX ) And reinforced in : CFPB XXXX Experian ( XXXX ) CFPB Order Against Equifax ( 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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a Wells Fargo customer for over 10 years. On the night before an international trip, my account was suddenly frozen after I transferred {$3500.00} to my son, who is a regular recipient of funds from me ( usually over {$1000.00} monthly ). On that same day, I changed my password, which may have triggered a fraud alert. 

I called customer service immediately and explained my situation, as I had a flight early the next morning and could not go to a branch. They instructed me to give my son Power of Attorney so he could handle the issue. I did exactly that had the document notarized and sent him to the branch twice. Despite this, he was kept waiting for hours and eventually told that even with the notarized document, I had to be physically present. 

I called again multiple times, explaining that I was stranded abroad without access to my funds, unable to return home, and was being severely affected both personally and financially. I even stated I was willing to provide all necessary identification and documentation remotely. My son was also ready to provide anything needed. Still, no one helped us. 

The final call I had with Wells Fargo ended with the agent saying, Youve been told multiple times to visit a branch, Im ending the call now, and they hung up while I was still speaking. 

I am now stuck in another country without money and without access to my own funds. This has disrupted my business and my ability to return to the U.S. The bank failed to provide a reasonable solution or proper customer support. I am requesting immediate review and assistance with unfreezing my account or providing alternative access options, considering the exceptional circumstances.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Approximately on XX/XX/year> an email from PNC was sent to my email account stating that if I opened a checking account with them and deposit XXXX $ within 60 days I would receive a XXXX $ deposit. The deposit never happened because PNC stated that I was not qualified after almost 5 months. PNC stated I was an existing customer and the promotion was for new customers only. Very misleading on their end. Why would they allow for this transaction to continue. I could have kept my pensions with initial account and never attempted a new one. I have been a customer of PNC for over 30 years and unfortunately, they will lose my service. It was very disappointing to have my pensions transferred to another checking account within PNC over a 2 month period and be denied and their resolution department have no accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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:
I did not open these accounts under FCRA XXXX please remove these in XXXX business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I did not open these accounts under FCRA XXXX please remove these in XXXX business days

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A XXXX XXXX account ending in XXXX that was previously deleted from my credit report has been reinserted without my knowledge or permission. I did not receive any required 5-day written notice, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I have disputed this account before, confirmed it was removed, and now it suddenly shows up again with no explanation. 

In fact, on XX/XX/year>, Equifax sent me the results of their reinvestigation clearly stating that THE DISPUTED ITEM IS NOT CURRENTLY REPORTING on my credit file, confirming the account was no longer listed. Now, without explanation or justification, this same account has reappeared. 

After researching my rights under the Fair Credit Reporting Act, I learned that any reinsertion must follow strict procedures including proper notice and certification of accuracy none of which were followed. 

This also violates 15 U.S.C. 1681b, as I never authorized this account to be reported again, and there was no permissible purpose to access or share my information. Reinserting deleted, fraudulent data without new evidence shows a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). This has caused me financial harm and emotional distress. I am requesting the permanent deletion of this account, a full explanation of how and why it was reinserted, and immediate correction of this violation. If not resolved, I will continue to pursue this under 15 U.S.C. 1681n and 1681o for noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I transferred money from my linked bank account to my chime account so I could boost my credit. It was requested on XXXX, XX/XX/XXXX and my bank released it on XXXX, XX/XX/XXXX. As of today XXXX  XX/XX/XXXX at XXXX I have yet to get my money. I have called several times since Tuesday and they keep promising me my money each day. Last answer I got was XXXX today and no money.

Company response to consumer: Closed with explanation