vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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, inaccurate, and false information consists of : 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 - 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 XXXX AUTO XXXX - XXXX XXXX XXXX - Incorrect Personal XXXX XXXX CLOSE - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial is continuing to report charge-off on my account even though the account was active and is now paid in full. I disputed this directly with all three credit bureaus and with Ally. I have documentation showing : Allys own records list no late payments ; Their charge-off was applied to an old, incorrect balance before lease-end adjustment ; I was still making payments directly to Ally under an approved payment plan through XX/XX/XXXX ; The debt was paid in full this month and confirmed by the collection partner, who is not listed on my reports. 


Ally appears to have charged off the wrong amount in XX/XX/XXXX but did not report it until XX/XX/XXXX. This misrepresents the account status and violates the FCRA requirement for accurate and up-to-date reporting. 

I am requesting that Ally Financial immediately : XXXX. Cease all charge-off reporting, XXXX. Correct the status to Paid in Full / Closed/ {$0.00} XXXX, or remove the tradeline entirely, and XXXX. Confirm the correction to all three credit bureaus. 



Supporting documents attached : Correct XXXX final bill ( post-lease adjustment ) Ally letter ( no late payments reported ) Proof of payments Payment-in-full confirmation ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items 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 non-monetary relief
Consumer complaint received 2025-10-13 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: TX

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

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 2025-10-13 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 2025-10-13 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: 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 non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My original mortgage was with countrywide and the lack of a recorded Mortgage. 
Bank Of America filed a Foreclosure case in XX/XX/XXXX and did not have standing the fraudulent assignment from XXXX XXXX XXXX XXXX XXXX not Bank of America was not recorded till XXXX months after the foreclosure case by Bank of America was filed. Fraudulent assignment : the fraudulent assignment from MERS, noting that it was recorded after the initial filing, which potentially invalidates the plaintiff standing to sue. Void judgment : critically, the summary judgment that it was filed under the wrong name, wrong Mortgage, and wrong address. XXXX certificate of title was issue on my correct name and address, proving the error. The judicial conflict : While not a direct CFPB issue, the conflict of interest in the XXXX XXXX XXXX XXXX XXXX regarding the judge who dismissed my Appeal was a spouse and a partner in the law firm who handled my Appeal in the same Mortgage in a different District of Appeal. This demonstrates a broader pattern of misconduct. And the lower courts judge is biased. The judge denies almost all my motions and ignores all the evidence and ignores rules of law. Service transfers : Bank Of America XXXX the loan to XXXX almost 2 years ago and XXXX in XX/XX/XXXX claimed Bank Of America was still the plaintiff. I contacted Bank Of America XX/XX/XXXX and spoke to representative XXXX, who confirmed that Bank Of America sold the loan to XXXX almost 2 years ago. Shortly after a Quiet Claim Deed was recorded from Bank Of America to XXXX in late XX/XX/XXXX. 
This confusion over ownership is violation of proper servicing practices. 
Current threat : I received a letter in XX/XX/XXXX from plaintiffs XXXX attorney this time he is representing Bank Of America demanding I vacate the property. 
This demand is based on the void judgment. The plaintiff attorney is committing fraud on the court and will be reported to the Attorney General and the Florida XXXX. This is not just ethical but criminal act. 
The legal issues and why this matters : CFPB uses complaints to identify improper practices. 
My complaint is around these violation. 
XXXX Illegal and deceptive servicing practices : The bank attempt to foreclose, using fraudulent documents and incorrect information. The transfer of the loan to XXXX and the subsequent confusion over the plaintiffs. Bank Of America also violate servicing rules. 
XXXX XXXX : the fraudulent, MERS assignment and the use of incorrect information in the summary judgment constitute potential fraud. 
XXXX XXXX Foreclosure procedures : The entire Foreclosure was based on a void judgment, meaning it was never legally valid from the start.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to. Investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of several inaccurate and inconsistent tradelines. 

The accounts in question are : XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX  XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) Each credit bureau is displaying different balances, payment histories, and charge-off statuses for the same accounts. These inconsistencies directly violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and established case law. 
Experian, Equifax, and TransUnion have violated 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy. This is supported by the precedent Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ). Reporting conflicting information across bureaus proves a lack of proper procedures.

The furnishers ( CBNA, Credit One Bank NA, and JPMCB ) have also violated 15 U.S.C. 1681s-2 ( b ) by verifying these accounts without conducting a reasonable investigation after receiving my disputes. This is supported by Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). If the data among the bureaus remains inconsistent, the investigation was not reasonable.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I dispute the legitimacy of credit entries reflecting accounts not established by me. Kindly perform an exhaustive audit and remove them. Documentation is provided.

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 2025-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Company : Mobiloans Product : Consumer loan / Personal loan What happened : I reached out to Mobiloans to resolve a charged-off account that is being reported to the credit bureaus. My goal has been to settle or pay the account in full in exchange for a pay-for-delete arrangement a lawful and common practice between consumers and creditors.

While I fully understand Mobiloans is not obligated to grant my request, the tone and handling of my escalation to their compliance department was dismissive, vague, and unprofessional. Their final response stated : Unfortunately, there will be no other consideration to the matter, and we will no longer continue to address the same particular concern with you.

This language is unnecessarily aggressive for a consumer trying to resolve a debt in good faith. Furthermore, Mobiloans refusal to even consider my request, or provide any substantive explanation beyond we do not participate in pay for delete, feels contrary to the spirit of fair consumer treatment.

I am requesting : 1. A formal review of Mobiloans communication practices regarding consumer credit reporting disputes.

2. That Mobiloans reconsider my pay-for-delete request or provide a clearer explanation for its refusal.

3. That the CFPB ensure the account is being reported fully and accurately to XXXX XXXX XXXX XXXX.

Desired resolution : Either deletion of the tradeline in exchange for full payment, Or confirmation that the account is being reported in full compliance with the Fair Credit Reporting Act.

Additionally, improved communication practices from Mobiloans compliance department.

Supporting documentation : I have saved copies of all email correspondence showing that Mobiloans escalated my inquiry but responded with no further consideration, despite my polite and reasonable attempts to resolve the matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: PA

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 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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Old loan, ex-spouse used it when I wasn't around when me and her we're together. I was working mostly and wasnt around her when i opened this loan from wherever it came from. I dont recognize this loan to be quite honest. Yes I am getting to this issue late because of past life issues i was going through at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd

Complaint narrative:
In XX/XX/year>, I had an account with Wise ( formerly TransferWise ). I received approximately XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. as a legitimate business payout related to my XXXX store. 

After receiving the funds, Wise asked me for additional verification of income. During that time, I used part of the balance ( around XXXX ) and later converted the remaining funds into USD ( {$59000.00} ). I then transferred this amount under Transfer # XXXX to a business partners account. However, the receiving bank rejected the payment and refunded the full amount back to Wise. 

Wise is now holding the refunded funds and refusing to release or redirect them, citing that my account has been permanently closed. I have already provided all requested documentation to verify the source of funds, including XXXX payout confirmation, proof of income, and the refund confirmation from the receiving bank. Despite this, Wise has not offered any clear resolution. 

I was also informed that the funds might be sent back to the original sender ( XXXX ), which does not make sense since part of the funds were already used before conversion. I am requesting Wise to release or redirect the refunded balance to another bank account I can provide, instead of holding or returning it. 

This situation has caused significant inconvenience and financial distress, as the amount involved is substantial and originates from legitimate business activity.

Company response to consumer: Closed with explanation