vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and unverifiable items appearing on my credit reports maintained by TRANSUNION, EXPERIAN, and EQUIFAX, which have caused substantial harm to my financial standing and ability to access credit. These inaccuracies include addresses I have never resided at, such as XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX, GA XXXX, which create a risk of mixed credit files and misattributed accounts ; accounts reported as late close XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Chargeoff, which are internally inconsistent and misleading because a XXXX balance can not legally be reported as a charge-off without verified documentation ; collection accounts including XXXX XXXX XXXX Owed : {$20000.00} and XXXX XXXX  XXXX Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}, which are reported without proper validation, ownership documentation, or proof of lawful authority to collect or report, rendering them unverifiable under FCRA 609 ( a ) ( 1 ) and FCRA 611 ; and the public record XXXX  XXXX Bankruptcy XXXX Asset Amount {$0.00} Court U.S. Bankruptcy Court Date Filed/Reported XX/XX/year>, which is incomplete, misleading, and inaccurately reported. Despite multiple formal disputes sent to each credit bureau, none of these errors have been fully corrected or removed, and I continue to experience credit denials, increased rates, and reputational harm due to the bureaus failure to maintain accurate, complete, and verified information as required under FCRA 607, 609 ( a ) ( 1 ), and 611.

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 2025-12-27 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: CT

Complaint narrative:
I am filing a complaint because XXXX XXXXXXXX XXXX previously removed this charged off account from my credit report and it has now been added back without proper reinsertion compliance and while still being reported inaccurately.

This account continues to show ongoing monthly charge off notations after the account was already charged off years ago, which is improper re aging and inaccurate derogatory reporting. The account is also missing the legally required Date of First Delinquency. 

Under 15 USC 1681i a 5 B, a credit bureau may not reinsert previously deleted information unless the furnisher certifies the accuracy of the account and I am notified in writing within 5 business days of reinsertion. I did not receive proper notice of reinsertion and no certification of accuracy has been provided. Therefore this reinsertion is unlawful.

This violates 15 USC 1681i a 5 B, 15 USC 1681e b, and 15 USC 1681s 2 due to inaccurate and unverifiable reporting and continued re aging behavior. I am requesting CFPB to require deletion of this account due to improper reinsertion and continued inaccuracies, or require full correction including reversal of false late history, restoration to paid as agreed status prior to charge off, accurate DOFD reporting, and removal of improper continuous charge off coding.

Failure to reasonably investigate ( 15 USC 1681i ) Continued inaccurate furnishing ( 15 USC 1681s-2 ) Accuracy violations ( 15 USC 1681e ( b ) )
Reinsertion violation ( 1681i ( a ) ( 5 ) ( B ) ) If the account can not be legally validated in full compliance with FCRA requirements, it must be deleted.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CT

Complaint narrative:
I am filing a complaint because XXXX XXXXXXXX XXXX previously removed this charged off account from my credit report and it has now been added back without proper reinsertion compliance and while still being reported inaccurately.

This account continues to show ongoing monthly charge off notations after the account was already charged off years ago, which is improper re aging and inaccurate derogatory reporting. The account is also missing the legally required Date of First Delinquency. 

Under 15 USC 1681i a 5 B, a credit bureau may not reinsert previously deleted information unless the furnisher certifies the accuracy of the account and I am notified in writing within 5 business days of reinsertion. I did not receive proper notice of reinsertion and no certification of accuracy has been provided. Therefore this reinsertion is unlawful.

This violates 15 USC 1681i a 5 B, 15 USC 1681e b, and 15 USC 1681s 2 due to inaccurate and unverifiable reporting and continued re aging behavior. I am requesting CFPB to require deletion of this account due to improper reinsertion and continued inaccuracies, or require full correction including reversal of false late history, restoration to paid as agreed status prior to charge off, accurate DOFD reporting, and removal of improper continuous charge off coding.

Failure to reasonably investigate ( 15 USC 1681i ) Continued inaccurate furnishing ( 15 USC 1681s-2 ) Accuracy violations ( 15 USC 1681e ( b ) )
Reinsertion violation ( 1681i ( a ) ( 5 ) ( B ) ) If the account can not be legally validated in full compliance with FCRA requirements, it must be deleted.

Thank you.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-27 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: GA

Complaint narrative:
Institution : Wells Fargo Bank Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Unauthorized Debit Card Transactions Date Range of Unauthorized Charges : XX/XX/year> XX/XX/year> Number of Transactions : Approximately XXXX Total Amount : Over {$XXXX Wells Fargo XXXX # XXXX Between XX/XX/year> and XX/XX/year>, XXXX unauthorized electronic withdrawals totaling over XXXX were made from my Wells Fargo account through XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never used sports betting apps, I do not watch sports, and nothing in my previous account history reflects XXXX  or XXXX  activity. These transactions were not authorized by me in any way. 

During this time period, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my primary personal phonewas stolen without my knowledge. That stolen device had access to my Wells Fargo information and XXXX XXXX. The individual who took it conducted rapid, repetitive withdrawals to XXXX XXXX. 

Wells Fargo denied my fraud claim stating no fraud indicators were present and asserting that I engaged in XXXX XXXX transactions during the same timeframe. However, I still had my primary phone, which explains why normal purchases continued. That does not make fraudulent transactions legitimate. Their determination is incorrect and ignores the critical fact that a separate stolen device accessed my account. 

Additionally, it appears the representative incorrectly documented my report as if I claimed a lost debit card, which is not accurate. I never lost my card. The fraud occurred because my secondary phone was stolen and used to access my banking credentials. The unauthorized individual accessed my phone notes and found my XXXX password, which allowed him to make purchases, using my password instead of face ID. 

There's also no consistency. Wells Fargo agreed that I did not authorize other XXXX  charges for a previous claim, but denied the bigger claim when I discovered all the other charges. How can you reimburse me for " some '' charges, but not all of them when they were made by the SAME unauthorized person? 

These transactions were : unauthorized inconsistent with my transaction history conducted at an unusually high frequency and volume clearly abnormal spending behavior associated with a XXXX XXXX  I have never used before XXXX XXXX XXXX, consumers are protected against unauthorized electronic fund transfers. Wells Fargo failed to properly investigate, failed to recognize clear fraud indicators, and wrongfully denied reimbursement. I was also never provided a provisional credit during the investigation.

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 2025-12-27 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-27 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-27 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: MO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE ALTERING MY CREDIT AND RETALIATING BECAUSE I KEEP FILING COMPLAINTS!! 
MY SCORES HAVE GONE FROM XXXX TO XXXX TO XXXXALL IN THE SAME MONTH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE ALTERING MY CREDIT AND RETALIATING BECAUSE I KEEP FILING COMPLAINTS!! 
MY SCORES HAVE GONE FROM XXXX TO XXXX TO XXXXALL IN THE SAME MONTH!!!!!

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 2025-12-27 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I setup an auto payment of XXXX to be scheduled on the XXXX of XXXX, with my XXXX XXXX XXXX checking account, for my auto loan for my XXXX XXXX XXXX with westlake XXXX dollars. 

However, the auto payment was not successful for some reason, and I was late on my payment, which negatively impacted my credit score. I had to manually pay the money myself whivh processed 2 days later, with the exact same details of the same checking account which was successful. 

I tried to contact Westlake Financial through their customer service phone number, but I was unable to reach and agent, and their ai assistant bot was unable to assist me properly.

For reference, my account number for Westlake Financial is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A letter dated XX/XX/year>, mailed staing my credit limit was reduced without warning or justification, despite a strong payment history and active efforts to pay down my balance. I requested reinstatement of my previous credit limit, not an increase, and the bank denied my request using a generic explanation that did not address the abrupt reduction or its impact on my credit score and financial stability.

I had a credit limit of {$16000.00} on my Wayfair Mastercard account ( Citi Retail Services ). I have been actively and aggressively paying down my balance, consistently paying well above the minimum due. 
Despite my responsible repayment behavior, Citibank reduced my credit limit to {$8900.00} without prior warning or any negative activity on my account. This reduction dramatically increased my credit utilization ratio and caused a drop in my credit score. 
When I asked for a reinstatement of my original limit ( not an increase ), I received a denial letter citing only Insufficient time since last review. This reason does not address : why my limit was lowered in the first place why responsible payment behavior resulted in punitive action why reinstatement of the previously approved limit is being denied Additionally, my interest rate was increased from 30 % to 33 % in XXXX, further contributing to financial strain. These combined actions appear predatory, designed to keep the consumer in higher utilization and higher interest categories. I have mailed a letter and only recoeved the same copy of the letter that was issued on XX/XX/year>.

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 2025-12-27 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX XXXX, MI XXXX, Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I recently submitted something for an old credit card, a cease-and-desist of reporting in accurate information. It was only for my credit card and not my checking and savers account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: AR

Complaint narrative:
I am an active-duty servicemember and the borrower on a VA-guaranteed mortgage serviced by XXXX XXXX XXXX  for my primary residence at XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas . 

In early XX/XX/XXXX, I submitted a Mortgage Assistance Application ( Form 710 ) through Selenes online portal. The application was accepted by Selenes system and displayed as active through XX/XX/XXXX at XXXX XXXX CST. My military status was disclosed in the application. The portal indicated additional documents were needed, including signed final pages and my XXXX XXXX. 

Selene never sent the required 5-day acknowledgment after receiving my application and never issued any written deficiency or missing-document notice identifying what was required to complete the application. I attempted multiple times to upload the signed final pages and supporting documents, but Selenes portal repeatedly blocked the uploads. The only document that remained visible in the portal from my initial submission was my XXXX XXXX. 

While my loss-mitigation application was still active, Selene initiated foreclosure. On XX/XX/XXXX, Selenes foreclosure counsel recorded a Notice of Default and Intention to Sell, and a foreclosure sale was scheduled for XX/XX/XXXX. This foreclosure activity occurred before my application expired and while it was still shown as active.

After initiating foreclosure, Selene treated the loan as accelerated and delinquent, issued statements demanding payment, and added foreclosure-related fees, inspection and valuation fees, late fees, escrow advances, and other charges. As a result, the accelerated balance increased from approximately {$360000.00} to approximately {$380000.00}.

This loan is VA-guaranteed. The XXXX  XXXX and XXXX  XXXX are part of the loan documents and were attached to foreclosure materials, demonstrating Selenes knowledge that VA servicing requirements apply. Selene failed to comply with VA loss-mitigation and foreclosure procedures, including coordination with the Department of Veterans Affairs . 

In XX/XX/XXXX, the VA Loan Guaranty Service became actively involved. Despite this, Selene asserted to VA that documents were missing and that no Servicemembers Civil Relief Act protections applied. These statements are inaccurate. I have been on continuous active-duty military orders since XXXX, and Selene never properly identified missing documents.

Selene issued a loss-mitigation denial date
d XX/XX/XXXX citing failure to return documents that were never properly requested, while continuing foreclosure posture, acceleration, and fee accrual. 

This constitutes improper dual tracking, failure to follow loss-mitigation requirements, improper foreclosure activity on a VA-guaranteed loan XXXX misrepresentation of SCRA status, and improper capitalization of arrears and fees.

Company response to consumer: Closed with explanation