vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I took out a XXXX XXXX XXXX XXXX XXXXXXXX ago for XXXX. 
XXXX later my new loan company that took over for WellsFargo says I still owe XXXX. It should be close to being paid off?? I tried to talk to Wells about this. An employee slipped and said that I signed paperwork for a refinance about XXXX years ago. I never signed or authorized anything. I know Wells Fargo did some funny business. An employee told me so on the phone. Im sure a investigation will show they are guilty of doing something wrong. The company that too over is called 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 2025-09-08 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: NY

Complaint narrative:
Upon reviewing my TransUnion credit report, I identified inquiries that are inaccurate and not attributable 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'The following inaccurate accounts must be corrected or removed within 15 days, per USC 1681g.'

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 2025-09-08 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, FCRA 1681i requires you to conduct a reasonable reinvestigation of disputed information, and FCRA 1681e ( b ) requires you to ensure maximum possible accuracy. Any account that can not be fully verified with supporting evidence must be deleted immediately. 

The following negative items are disputed as inaccurate, obsolete, or unverifiable : Collections ( Original Creditor : Progressive ) Account # XXXX * * Balance {$950.00} Status : Collection/Charge-off. 

( Original Creditor : XXXX XXXX ) Account # XXXX * * Balance {$180.00} Status : Collection/Charge-off. 

Charge-Offs/ Negative Installments XXXX XXXX Account XXXX XXXX * * Reported as charge-off. 

XXXX XXXX XXXX Account # XXXX * * * * Auto Loan, Status : Repossession with unpaid balance {$23000.00}. 

XXXX XXXX ( duplicate listing ) Account # XXXX * * * * Auto Loan, Status : Repossession ( Paid, but derogatory ). 

Severe Delinquencies XXXX Account # XXXX * * * * Reported 120150 day lates. 

XXXX Account # XXXX * * * * Reported closed by grantor, derogatory. 

Legal Basis for Dispute FCRA 1681i ( 15 U.S.C. 611 ) : Requires reinvestigation of disputed information within 30 days.

FCRA 1681e ( b ) : Mandates maximum possible accuracy. Reporting unverifiable/erroneous data violates this section.

FCRA 1681s-2 : Furnishers of information are required to report accurately and correct errors.

FCRA 1681c : Outlines obsolete information that may not be reported ( e.g., accounts over 7 years ).

My Request Immediately investigate and provide documented proof from the original creditors validating each of the above accounts. 

If the furnisher can not provide legally sufficient documentation, delete these accounts from my file. 

Remove all related derogatory notations, late payments, charge-offs, or repossession remarks tied to these accounts. 

Please send me written confirmation of your investigation results within 30 days as required under FCRA. If these errors are not corrected, I am prepared to escalate with complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for willful noncompliance with federal law. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-08 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: FL

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
This debt collector is repeatedly calling me from multiple spoofed caller IDs using a robocaller with recording. I called and the debt is not mine and asked them to cease calling. They said they would. 
Months later, I am still getting annoying calls. 
The message says to call XXXX XXXX Revenue Group at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Summary of Events XX/XX/year> Interviewed via XXXX XXXX  with individuals posing as hiring/HR managers for XXXX XXXX  XXXX XXXX Directed to install XXXX app for communications. 
XX/XX/year> Deposited one cashiers check into Bank of America account : o Amount : {$6900.00} o Issuing Bank : Purportedly XXXX XXXX  ( later confirmed counterfeit ). 
o Duplicate check number ( identical to a second check also received ). 
XX/XX/year> Bank of America made funds available ; account balance reflected cleared funds. 
XXXX Following HR managers instructions via XXXX, purchased : XXXX Computer equipment at XXXX XXXX ( {$2500.00} ) o XXXX  shipment ( {$310.00} ) o XXXX gift cards ( {$500.00} ) o Total spent before reversal : {$3400.00} of my own funds. 
XX/XX/year> Bank of America reversed deposited check as counterfeit, leaving my account negative and confirming both checks were fraudulent. 
________________________________________ Key Issues 1. Bank of America showed funds as cleared and available, which induced reliance and led to financial loss. 
XXXX. Regulation CCs funds availability rules versus final settlement were not clearly distinguished to me as a consumer. 
XXXX. Question as to whether Bank of America exercised ordinary care under UCC in processing a counterfeit check with duplicate numbers and fictitious issuing bank information.

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 2025-09-08 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-08 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: IN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX credit cards with CapitalOne. They closed all XXXX of my accounts because a few payments were returned for insufficient funds in XXXX and XX/XX/year>. The payments were resent and processed but Capital One still closed all of my accounts without any notice and still with balances. I attempted to call on XX/XX/year> and find out how to reinstate the accounts, and all they told me was their closed them because of several NSFs without providing exact dates or any other notice. This dropped my credit score XXXX points as Capital One was most of my credit history, and they didnt give me an opportunity to correct it. These accounts are not in collections and I had maintained a positive payment history with CapOne for years. Closing all XXXX of my credit accounts without giving me an opportunity to correct anything has been detrimental my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Transunion, equifax, and experien were contacted to dispute collection account on report for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, they fraudulent to my knowledge and put in wrong inquiry. Now say it's valid and they are not interested in investigating correctly, or removal of account from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Transunion, equifax, and experien were contacted to dispute collection account on report for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, they fraudulent to my knowledge and put in wrong inquiry. Now say it's valid and they are not interested in investigating correctly, or removal of account from my 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 2025-09-08 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:
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 non-monetary relief
Consumer complaint received 2025-09-08 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt from me in the amount of {$3000.00} that i do not owe it. I have never done any business with XXXX XXXX and i do not have any contracts with it. In XXXX XXXX 's attempt to extort a payment it has somehow gained possession of a portion of my identity information then used it to take negative action against me by making false reports alleging a debt owed to it effectively damaging my credit with Transunion, Equifax, and Experian credit reporting agencies. It is also clear that these credit reporting agencies failed in it grave duties to uphold and maintain fairness and accuracy by not validating or verifying the alleged debt before communicating it via credit report. I have never had any contractual, financial, or business relationship with XXXX XXXX. This debt does not belong to me. It is either the result of identity theft, a mistake, or willful misreporting by the furnisher. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, you credit reporting agencies are required to conduct a reasonable investigation of this dispute. An initial investigation is also required before allowing this report to be made and the credit reporting agencies have also failed in maintaining that responsibility as well

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 2025-09-08 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: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt from me in the amount of {$3000.00} that i do not owe it. I have never done any business with XXXX XXXX and i do not have any contracts with it. In XXXX XXXX 's attempt to extort a payment it has somehow gained possession of a portion of my identity information then used it to take negative action against me by making false reports alleging a debt owed to it effectively damaging my credit with Transunion, Equifax, and Experian credit reporting agencies. It is also clear that these credit reporting agencies failed in it grave duties to uphold and maintain fairness and accuracy by not validating or verifying the alleged debt before communicating it via credit report. I have never had any contractual, financial, or business relationship with XXXX XXXX. This debt does not belong to me. It is either the result of identity theft, a mistake, or willful misreporting by the furnisher. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, you credit reporting agencies are required to conduct a reasonable investigation of this dispute. An initial investigation is also required before allowing this report to be made and the credit reporting agencies have also failed in maintaining that responsibility as well

Company response to consumer: Closed with non-monetary relief