vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
Hi. I was checking my credit profiles and i found unauthorized fraudulent inquiries and XXXX  account ( account number XXXX limit XXXX $ ) on my credit reports. Please help me to remove those unauthorized fraudulent inquiries and account from my credit reports. 
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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi. I was checking my credit profiles and i found unauthorized fraudulent inquiries and XXXX  account ( account number XXXX limit XXXX $ ) on my credit reports. Please help me to remove those unauthorized fraudulent inquiries and account from my credit reports. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Issue : Incorrect information on credit report Company : Southwest Credit Systems Amount : {$800.00} Date of complaint : XX/XX/XXXX Complaint : I recently reviewed my credit report and discovered that Southwest Credit Systems reported a debt for {$800.00} under the name Southwest Credit SYS. I have no knowledge of this debt, have never entered into any agreement with this company, and do not owe this amount. 

On XX/XX/XXXX, I mailed a formal dispute letter via certified mail requesting validation of this debt per FDCPA 809 and FCRA 611. To date, they have not responded or provided any evidence that this account is legitimate.

This false entry is negatively impacting my credit score and financial reputation. I am requesting that this debt be removed from all credit reporting bureaus immediately due to lack of validation and violation of my rights under federal law. 

My contact details : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-14 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$570.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC
State: DE

Complaint narrative:
I am disputing an account from XXXX ( Account # XXXX * * * * ) that is being reported as charged off and marked as a profit and loss write-off across all three credit bureaus. Despite this, I was never issued a 1099-C, which is required by the IRS when a debt is canceled or forgiven.

This inconsistency creates a misleading impression that the account is still collectible, when in fact the creditor may have already written it off for tax purposes. This violates FCRA 1681e ( b ), which mandates that only accurate and verifiable information can be reported. 

The creditor has not validated the debt, has not issued a 1099-C, and continues to report it as an open chargeoff. This is misleading, inaccurate, and harmful to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not XXXX  this anymore and will seek litigation if this is not handled!

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
i transferred XXXX dollars to robinhood in order to buy tesla stock. after buying the stock my account was restricted, and no reason was given for the restriction. then they told me they would close my account and no reason was given for this. now they are holding my money XXXX dollars and when i try to withdraw my funds they say i cant because my account is restricted, and they do not even give me the option to speak with anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: AZ

Complaint narrative:
I have no outstanding debts, excellent credit, and have received no mail about any outstanding bill, which I would have already paid. Evergreen Professional has been robocalling every day for weeks and every time I block or report a number, they use a different number to spam my voicemail. Additionally, my number is registered on the do not call list. Their tactics are clearly predatory and I would like this harassment to end.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have found inaccurate information on my credit report and want to dispute. As for the Fair Credit Reporting Act ( FCRA ) to demand a correction or deletion.The accounts show Write Off- means as a loss in your accounting books. I have not received a XXXX for those accounts. XXXX time requesting forms. Their response and what's listed on my credit report is not accuraate. I dispute Capital One information on my credit report and demand a correction or deletion.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Santander consumer auto loan has repeatedly reported incorrect information to credit bureaus. Our payment was due on the XXXX of each month and we were repeatedly charged late fees that were false. They reported to credit agencies the account closed and wrote off as a loss with bo notification to us with {$67.00} left to pay which were late charges. The account is paid in full now since The XXXX week of XXXX and haven't been sent title yet. We had gotten one month behind in a previous year and reported to credit agencies for the full year of 2024 that each month 's payment were late each month when they were paid on time. They have destroyed both mine and my wife 's credit. I have filed numerous disputes as well as contacted them with no resolution. We have since then obtained an attorney. They also robo called both mime and my wife 's cell phones for 2 years, 7 days a week, atleast 2 times a day with an automated message nonstop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a mortgage assumption with Wells Fargo in XX/XX/scrub> 2025 due to a divorce. Since then, I have been repeatedly asked to provide the same documents multiple times. The employee handling my file went on paid time off twice, and no one else was assigned to manage my application in their absence. This led to significant delays and redundant document requests. 

Despite my timely compliance with all requests, additional documents continued to be requested by underwriting. I was informed last week that my assumption was finalized and sent to the Closing Department. However, I recently received yet another request for employment verification which I already provided. This is after the last communication ( attached ) confirming that the underwriter had finalized the loan application and its ready for closing. 

I believe my application is being unfairly stalled through redundant requests and mismanagement, causing unnecessary stress and hardship during an already difficult time. I am seeking assistance to have my application processed fairly, efficiently, and without further delays.

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 2025-05-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: IL

Complaint narrative:
My FERPA rights were violated and not protected by the Department of Education by allowing the DOGE to access my educational, personal, financial records and social security information. These actions along with inaccurate reporting by Mohela have adversely affected my credit score and caused me to have high rates on home and auto insurance due their reporting to the credit bureaus and they have not called me back or answered my calls. The process is unduly burdensome and hard to understand without help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently applied for a new cell phone service, which required me to unfreeze my TransUnion credit file. When I was unable to gain access to their online services, I called to try and have my account unfrozen. The process took so long that I had to give up and was not able to apply for a new service because I could not unfreeze my credit report. I tried again the next day to set up a free account by continuing to get an error that stated my account was locked and to contact support. After over an hour, I was told to submit personal identity information via email. I received a response to this email the next day that I was permanently locked out of online access to my credit file or the ability to freeze or unfreeze my credit online because of potential fraud. I called support again to find out what fraud had occurred and if there was an appeals process to reinstate my online access. I was told by a supervisor that there was no way to resolve the issue, that the lock on my account was permanent, and the only way I would be able to freeze or unfreeze my credit file is by calling or mailing TransUnion. My experience is that this process does not provide me a timely way to freeze or unfreeze my credit information with TransUnion.

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 2025-05-14 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: OH

Complaint narrative:
The account : XXXX XXXXXXXX XXXX is pass the statute of limitations. I have asked for this to be removed it multiple times still no results. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline 209/210. If can not be done in 15days please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-14 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: 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 XXXXXXXX XXXX Balance : {$100.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXT XXXX  Balance : {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} Open Date XX/XX/XXXXXXXX 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