vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-21 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: AL

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 2025-07-21 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: AL

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
His name was XXXX no last name given, apparently there was a {$2500.00} money withdrawal from my account that doesnt exist with wells Fargo but he had all my personal information, I didnt feed him any new info other than confirm what he already had. Got a text message and then he called, asked to XXXX with his investigator team, call ended. Called back the next day and told him that I had talked to my bank and that none of it was true, and they had no records of him or the number he was using XXXX ( XXXX ) XXXX. He told me to XXXX a XXXX and hung up.

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 2025-07-21 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: MO

Complaint narrative:
Company : Sallie Mae ( formerly XXXX  ) Account Holder : XXXX XXXX Co-Signer : Myself Bankruptcy Case # : XXXX Jurisdiction : U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX Missouri Filing Date of XXXX  XXXX : XX/XX/XXXX Complaint Details : On XX/XX/XXXX, my son received a notification from the XXXX  XXXX app that his credit score had dropped by XXXX points. The alert identified Sallie Mae as the source of the negative credit reporting. Upon review, the last reported update from Sallie Mae was XX/XX/XXXX. 

The same day, myselfthe co-signer on our son 's student loanchecked my XXXX  report and found a XXXX drop, with the loan also reported as delinquent. 

This is a serious issue because this loan is currently included in our active XXXX  XXXX bankruptcy repayment plan, which was filed in XX/XX/XXXX. Despite being notified, Sallie Mae has : Failed to file a claim with the XXXX  XXXX trustee, intentionally choosing not to be paid through the court-approved plan. 

Continued collection efforts by calling my son directly ( even after being told the account was included in the bankruptcy ). 

Damaged both my sons and husbands credit by reporting the loan as delinquent, even though it is supposed to be handled through bankruptcy. 

My wife and son personally spoke to a Sallie Mae representative named XXXX on XX/XX/XXXX, and informed her directly that this account is part of our bankruptcy plan. She continued to press for payment and dismissed the bankruptcy information. I requested they cease all direct contact and route any communication through our attorney, XXXX XXXX. 

Side Note : Our son is still a full time college student attending XXXX entering his sophomore year. That's to say his loan is predicated on us paying just the interest while he's in school. So no payment is even due for him and so there is the issue. 

Sallie Maes actions appear to be an attempt to bypass the bankruptcy process, while punishing us through aggressive and inaccurate credit reporting. This is misleading, harmful, and potentially illegal under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Codes automatic stay protections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS reported a debt to the credit bureau without giving me proper notice. The original business ( XXXX XXXX XXXX ) also did not notify me of any outstanding bill. XXXX XXXX XXXXXXXX sent me status updates and regular emails many times or the past couple years, so they have my information, but they failed to notify me of any outstanding balance and turned this over to collections. COLUMBIA DEBT RECOVERY LLC DBA GENESIS has damaged my credit and refuse to correct the situation. I have called GENESIS twice in an attempt to resolve this, but they refuse to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was affected by Equifax data breach. My information was leaked. I also am a victim of identity theft I have items on my report that does not belong to me. I reached out numerous of times to get these items removed. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OH

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/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 2025-07-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-21 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: FL

Complaint narrative:
I recently reviewed my credit reports and discovered multiple hard inquiries that I do not recognize and never authorized. I have not applied for credit, loans, or services from the companies listed, and I have no relationship with them. These inquiries were made without my knowledge or consent and have negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. I'm concerned that these inquiries may be the result of fraud or identity theft or were placed on my report in error. I have contacted the credit bureaus directly and submitted dispute letters requesting that they investigate and remove these unauthorized inquiries from my credit file. 

I am requesting the CFPBs assistance in ensuring that these credit bureaus follow proper procedures, investigate the disputed inquiries, and permanently delete them if they are found to be invalid or unauthorized.

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 2025-07-21 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: MS

Complaint narrative:
Company : XXXX XXXX XXXX, Credit Card Servicing Department Account in Question : Opened on or around XX/XX/XXXX Original Credit Limit : {$300.00} Nature of the Complaint : Unjust Account Closure, Deceptive Practices, and Harmful Credit Reporting To Whom It May Concern, I am writing to formally submit a complaint regarding egregious actions taken by XXXX XXXX XXXX, specifically its credit card servicing department, which have not only harmed my financial integrity but have also violated both federal and state-level consumer protection laws. 

In XXXX of XXXX, I opened a credit card account with XXXX XXXX with a credit limit of {$300.00}. The account remained in good standing until approximately XXXX of XXXX, at which time I experienced unforeseen financial hardship that limited my ability to make regular payments. Nevertheless, I remained committed to resolving the balance in good faith. 

To my alarm, in XXXX of XXXX, XXXX XXXX unilaterally closed the account without any advanced notice, written communication, or consent on my partdespite my ongoing efforts to maintain responsible payment. When I contacted the XXXX  XXXX servicing department seeking clarity and resolution, I was informed that while I could continue making payments, I would not be allowed to reinstate, access, or fully resolve the account status because the decision to close the account was deemed not mine to make. 

This practice raises multiple legal concerns under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates accurate, fair, and substantiated credit reporting. The unilateral closure of my accountwithout consent or due processand the continued negative reporting have significantly impaired my credit score, financial reputation, and access to credit markets.

Additionally, the Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ] ensures that creditors must notify consumers of adverse actions taken on their accounts. XXXX XXXX failed to do so in this case, thereby violating notification rights under federal law. 

This conduct further infringes on my constitutional rights, including : The right to due process under the XXXX Amendment, as I was not given any fair opportunity to dispute or rectify the closure ; The right to transparency and accountability from financial institutions operating under federal charters and protections. 

Furthermore, as a resident of Mississippi, I am protected under Mississippi Code 75-24-5, which prohibits unfair or deceptive acts or practices in the course of trade or commerce. The treatment I received, coupled with the refusal to allow reinstatement or dispute, may amount to deceptive and unethical financial servicing behavior within the state.

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 2025-07-21 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: MS

Complaint narrative:
Company : XXXX XXXX XXXX, Credit Card Servicing Department Account in Question : Opened on or around XX/XX/XXXX Original Credit Limit : {$300.00} Nature of the Complaint : Unjust Account Closure, Deceptive Practices, and Harmful Credit Reporting To Whom It May Concern, I am writing to formally submit a complaint regarding egregious actions taken by XXXX XXXX XXXX, specifically its credit card servicing department, which have not only harmed my financial integrity but have also violated both federal and state-level consumer protection laws. 

In XXXX of XXXX, I opened a credit card account with XXXX XXXX with a credit limit of {$300.00}. The account remained in good standing until approximately XXXX of XXXX, at which time I experienced unforeseen financial hardship that limited my ability to make regular payments. Nevertheless, I remained committed to resolving the balance in good faith. 

To my alarm, in XXXX of XXXX, XXXX XXXX unilaterally closed the account without any advanced notice, written communication, or consent on my partdespite my ongoing efforts to maintain responsible payment. When I contacted the XXXX  XXXX servicing department seeking clarity and resolution, I was informed that while I could continue making payments, I would not be allowed to reinstate, access, or fully resolve the account status because the decision to close the account was deemed not mine to make. 

This practice raises multiple legal concerns under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates accurate, fair, and substantiated credit reporting. The unilateral closure of my accountwithout consent or due processand the continued negative reporting have significantly impaired my credit score, financial reputation, and access to credit markets. 

Additionally, the Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ] ensures that creditors must notify consumers of adverse actions taken on their accounts. XXXX XXXX failed to do so in this case, thereby violating notification rights under federal law. 

This conduct further infringes on my constitutional rights, including : The right to due process under the XXXX Amendment, as I was not given any fair opportunity to dispute or rectify the closure ; The right to transparency and accountability from financial institutions operating under federal charters and protections. 

Furthermore, as a resident of Mississippi, I am protected under Mississippi Code 75-24-5, which prohibits unfair or deceptive acts or practices in the course of trade or commerce. The treatment I received, coupled with the refusal to allow reinstatement or disputXXXX XXXX XXXX XXXX XXXXeceptive and unethical financial servicing behavior within the state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, Aqua Finance issued a written letter acknowledging that they had reported my account as 30 days past due in error. They confirmed in writing that they submitted a request to the credit bureaus to have the delinquency removed. Following their correction, my credit score recovered. 

However, on XX/XX/year>, Experian concluded a dispute investigation and reinserted the 30-day delinquency despite having already received Aqua Finances correction and despite my account being fully current and paid in full. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result, my credit score has dropped again, and I am now suffering serious consequences. I am being unfairly penalized despite having done nothing wrong. Aqua Finance failed to ensure that their correction was properly submitted and recognized during XXXX dispute process, and XXXX  failed to honor a verified correction that was already on file. 

In addition, Aqua Finance claimed they refunded {$30.00} in erroneous late fees ; however, they applied those waived fees in a way that does not make sense and has never been clearly explained. I requested clarification, and to date they have failed to properly allocate or confirm how those funds were applied. This adds to the broader issue of inaccurate account handling and communication. 

I have contacted Aqua Finance again and demanded that they re-submit the correction through the appropriate e-OSCAR channels. I also re-disputed with XXXX, and I am concerned that Aqua may have also failed to transmit corrections properly to XXXX  and XXXX, as the inaccurate item was disputed with all three bureaus. 

I am now requesting that the CFPB intervene to ensure full correction of my credit file and to hold the responsible parties accountable under the FCRA.

Company response to consumer: Closed with explanation