vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXXount Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, 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, XXXX as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Between XXXX I received conflicting information about my repayment plans I was charged improper late fees. Despite calls made to the company the issue remained unresolved. This has caused financial hardship for me and negative credit reporting account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am reporting a fraudulent account being reported by XXXX XXXX XXXX XXXXXXXX that I have no association with and never authorized. I never applied for or opened this account, therefore there is no permissible purpose to report it on my credit profile under 15 U.S.C. 1681b. 

This fraudulent account is even reported under an address where I have never lived. This proves that the account is inaccurate and unverifiable. 

I have disputed this account multiple times with both Experian and Equifax. Each time, they claimed it was verified without conducting a reasonable reinvestigation as required under 15 U.S.C. 1681i. They have failed to provide me with the method of verification and supporting documents, despite my written requests. 

XXXX has already deleted the account, proving it is inaccurate. However, Experian and Equifax continue to report it, damaging my creditworthiness and causing me significant harm with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
I have been requesting all legal documents from XXXX, including the main contract I signed when I first acquired my loan. However, they have not provided me with any of the requested documents and refuse to speak with me. They claim that I need to communicate with their attorney, but the attorney insists that I must go through XXXX. 

I feel threatened with the possibility of being sued if I attempt a voluntary repossession of the vehicle. They have been behaving in ways that are confusing, especially after I lost my job and the account went into default. I was unaware that I had insurance for this situation, and I never received any notification regarding its cancellation. All I noticed was that my balance doubled. 

They will not allow me to return the vehicle, nor will they remove the lien so that I can cancel the insurance. I have tried to seek legal assistance and have requested the necessary documents, but neither XXXX nor XXXX has provided them to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Complaint Against Wells Fargo Bank , N.A . 
I am filing a complaint regarding missing refund credits on my Wells Fargo checking account. 
On XX/XX/year>, a refund was issued to my account ( documented by merchant emails ), but Wells Fargo failed to post them. This constitutes an error under the Electronic Fund Transfer Act ( Regulation E ).

I have contacted the bank, but past assurances were inaccurate and unresolved. 
Requested resolution : - Provisional credit for the missing refunds - Full investigation - Written confirmation of findings I request CFPB oversight to ensure Wells Fargo complies with Regulation E. 

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Complaint Details : I am filing a renewed and urgent complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted CFPB Complaint No. XXXX against TransUnion. As of today, TransUnion has not provided a legally compliant response within the required 30 days under 15 U.S.C. 1681i. While I am aware that extensions may allow up to 45 days, this is part of a repeated pattern of delay and non-compliance that has continued despite my numerous disputes, identity verifications, and prior CFPB complaints. 

I previously submitted CFPB Complaint No. XXXX on XX/XX/XXXX, which resulted in partial removals of inaccurate items. However, two accounts are still reporting with derogatory information despite my repeated disputes and requests for validation : XXXX. XXXX XXXX XXXX XXXX account for {$3000.00}, opened XX/XX/XXXX. This account remains on my file even though TransUnion has never provided verification or investigation records. 


XXXX. XXXX / XXXX XXXX Closed account with a {$0.00} balance that still shows late payments, including 6089 days late in XXXX. A closed account with no balance should not continue to report derogatory history without proof. 



Ongoing Violations by TransUnion : Failure to Investigate and Provide Results : TransUnion has not provided documentation of reinvestigations, verification methods, or furnisher contacts as required by 15 U.S.C. 1681i.

Improper Reporting of Closed Accounts : The XXXX XXXX account remains inaccurately reported with late payments. 

Blocked Consumer Account Access : My TransUnion account remains blocked even after providing my drivers license, Social Security card, utility bill, and notarized identity documents. I can not access my report directly and must rely on XXXX XXXX. 

Failure to Lift Freeze for Housing Applications : I was unable to unfreeze my TransUnion file to apply for housing, directly affecting my ability to secure an apartment. 

Repeated Stall Tactics : TransUnion has delayed, sent duplicative stall letters, and failed to resolve my disputes, despite acknowledging prior complaints.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$3400.00} 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, XXXX as proof from the US 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$2200.00}

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
XX/XX/XXXX amount {$850.00} I have contacted the company at the phone number provided on my credit report about this debt i have gotten any response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized information on my report. 

XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I reported to all XXXX credit bureau 's that I was a victim of fraud. I followed protocol and provided the following to them on XX/XX/year> : Police report FTC report Photo ID Driver License Copy of Social Security Card Proof of residence Only for the response to be the investigation came back that the accounts are valid.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank I have contacted several times in the past 2 months due to overdraft of my account with multiple overdraft fees. I have been hung up on with no solutions or explanations. 

At the beginning of XXXX, the account was over - {$600.00} and I don't understand why. 

There is no reason for my account to have gone into such a negative state. 

I can't even figure it out at this point! None of it makes sense and I haven't been able to pay my mortgage for the past 2 months or purchase enough food or basic necessities for the month. 

At the moment, I only receive my XXXX XXXX. I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX last year and I no longer have a vehicle so it is difficult for me to go in person to see someone. 

Please help me understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: KS

Complaint narrative:
Planet Home Lending Made a payment XXXX XXXX 2025 payment declined due to insufficient funds. 

Transferred money to bank account and made another payment XX/XX/year> PLH automatically retries the original payment from the XXXX and it processes I was never informed the payment would retry causing my second manual payment form the XXXX make my bank account - {$1500.00} PLH refuses to stop the payment from the XXXX from automatically retrying which will cause my account to go negative again. I can barely understand the outsourced customer service rep. They either cant understand my issue because of a language barrier or refuse to stop the payment from retrying causing me to go negative in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
I am filing this complaint against TransUnion regarding their failure to protect and accurately maintain my consumer credit file.I am a victim of identity theft as a direct result of the TransUnion data breach ( along with the Equifax breach ). My sensitive information was exposed without my consent, and fraudulent accounts, inquiries, employers, and addresses appeared on my TransUnion credit file. Despite sending disputes and providing my FTC Identity Theft Report, TransUnion has failed to permanently delete the fraudulent data and continues to report it. 

TransUnions refusal to act violates the Fair Credit Reporting Act ( FCRA ), including 607 ( a ) ( failure to assure accuracy ), 605B ( failure to block fraudulent info ), 609 ( e ) ( failure to provide records ), and 611 ( failure to reinvestigate ). 

This is my second letter to TransUnion. I gave them 4 days to comply ; they continue to stall, causing me financial harm, emotional distress, and denial of credit opportunities.

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