vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my official complaint to the Consumer Financial Protection Bureau regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the FTC Act committed by the credit bureaus and the data furnishers who are reporting false, inaccurate, unverifiable, and fraudulent information about me. My credit report contains wrong addresses, accounts that do not belong to me, false late payment history, unauthorized hard inquiries, and unvalidated collection and charge-off accounts which are causing me financial harm, emotional distress, credit denial, and damage to my reputation. I am requesting immediate federal review, investigation, and enforcement action against the bureaus and furnishers listed below. 

XXXX XXXX  XXXX High Balance : {$33000.00} Date Opened : XX/XX/XXXX Reported : Charge Off I do NOT recognize this account. I have no contract, no application, no signature, no loan documents, and no personal knowledge of this account. If the furnisher can not provide full validation including original signed application, they must delete the account immediately as required by FCRA 609 ( a ) and 611. 
XXXX XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX Reported : Charge Off I have XXXX connection to this account. I never applied for any credit with this company and never received any communication from them. This appears to be a case of mixed files or fraudulent reporting. Without valid proof, the item must be removed. 
REQUEST TO CFPB : I am requesting the Consumer Financial Protection Bureau to investigate these violations, compel all data furnishers to provide original documentation, require the credit bureaus to correct and delete all unverifiable and inaccurate items, and hold all parties accountable for failing to follow federal law. I am also requesting that CFPB require the bureaus to provide me with a corrected and updated copy of my credit report after compliance with FCRA 611. 
These violations are severely affecting my financial opportunities, loan approvals, housing applications, and personal stability. I request immediate intervention and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a illegal action taken by a mortgage service and company acting as a trustee to XXXXXXXX XXXX XXXX XXXX and loan owner XXXX XXXX. XXXX XXXX being is the alleged LOAN owner and XXXX XXXX XXXX both who are not on my property record.Ive requested full validated of debt or to prove Trustee iis Quarterly Loan Servicer, who I've informed about this injustice. They also have ignored my request. 


These companies are acting in bad faith and taken advantage of this XXXX XXXX who lacks knowledge of XXXX XXXX and no standing or personal and matter Jurisdiction. Yet an auction is scheduled for tomorrow XXXX XXXX, California. 

Someone help they stealing my home. My mortgage account has a XXXX balance and is closed and paid for. Help

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a NEW complaint because TransUnion continues to report a collection account from XXXX XXXX XXXX that is unverified, inaccurate, and legally prohibited from being reported under both the FCRA and FDCPA. 

XXXX. XXXX XXXX failed to validate the debt. 
I sent a Debt Validation Letter on XX/XX/year>. The furnisher has never provided ANY validation as required by FDCPA 809 ( b ). They therefore can not legally continue reporting.

2. XXXX  has already deleted this same XXXX XXXX account. 
XXXX  completed its investigation and removed the account entirely due to lack of verification. 
This proves the furnisher can not validate the debt for ANY bureau. 

XXXX. TransUnion improperly verified the account with no documentation. 
TransUnion marked the account as verified, but provided no documentation or proof. 
This violates : FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 611 ( a ) ( 5 ) ( A ) unverifiable data must be deleted

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 2025-12-09 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: GA

Complaint narrative:
I am disputing accounts on my credit report that do not belong to me. I have no connection to or consent over these accounts and request that a full investigation be conducted and that they be removed.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity. 


PLEASE DELETE INACCURATE AND INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I request the deletion of these late payments in error and ask that the accounts be updated to accurately reflect all timely payments.

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 2025-12-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I attempted to transfer {$32.00} and {$100.00} from my XXXX account to my PNC Bank account. PNC initially received both deposits, but on XX/XX/XXXX PNC reversed each deposit twice, even though there was only XXXX original deposit for each amount. They mentioned it's because XXXX requested the reversals twice on each amount. 

I contacted PNC multiple times, and they stated that XXXX requested the reversals. However, XXXX confirmed that PNC declined the deposits, and XXXX only received XXXX returned {$100.00} and XXXX returned {$32.00} on XX/XX/XXXX, which I later deposited back to PNC bank. 

The transaction descriptions in my PNC account show reversal XXXX, but this is incorrectthere was only XXXX XXXX deposit for each amount, so it should not have been reversed twice. These duplicate reversals appear to be an error on PNCs side, resulting in missing funds that were never returned to my XXXX account. 

I am requesting an investigation and correction of the duplicate reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-09 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: SC

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-10 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:
I am filing this complaint because my federal student loan servicer/guarantor has illegally furnished my protected educational records to the consumer reporting agencies without my knowledge, authorization, or consent. These entities have knowingly violated FERPA, the Privacy Act of 1974, and the Fair Credit Reporting Act ( FCRA ) by reporting information they had no legal right to disclose or collect.

The accounts that were unlawfully furnished are listed below : XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX These student loan records are legally classified as educational records under FERPA. This means they can not be disclosed to any credit reporting agency under any circumstance unless I provide explicit written consent. I have never signed or submitted any document, authorization, consent form, or release that permits my lender, servicer, guarantor, or any third party to share my student loan or financial aid information with any consumer reporting agency.

The servicer also violated the Privacy Act of 1974, which strictly prohibits federal agencies and their servicers from disclosing my personal information unless a valid exception applies. No exception exists here. Credit reporting is not an authorized disclosure under FERPA for Title IV financial aid records.

Despite this, my protected educational data was willfully furnished to Experian, Equifax, and TransUnion, creating an unlawful publication of my educational record and a direct breach of federal privacy laws.

Because these accounts were furnished without a permissible purpose, the credit bureaus are now reporting accounts that are illegally obtained, illegally furnished, and illegally maintained. This is a violation of : 20 U.S.C. 1232g ( FERPA ) 5 U.S.C. 552a ( Privacy Act of 1974 ) 15 U.S.C. 1681b & 1681c-2 ( FCRA permissible purpose & blocking ) 15 U.S.C. 1681n & 1681o ( civil liability for willful and negligent violations ) I have demanded that the credit bureaus delete these illegally furnished accounts, but they continue reporting them despite being notified of the FERPA and Privacy Act violations. This indicates potential willful noncompliance and intentional disregard of federal law.

I am requesting that the CFPB take immediate action to investigate : Why my servicer furnished protected FERPA-regulated educational records to credit bureaus without any legal authority.

Why a federal servicer or guarantor knowingly violated the Privacy Act of 1974.

Why these accounts are still being reported despite no permissible purpose for their collection, use, or dissemination.

The removal of all accounts listed above due to their unlawful disclosure and violation of federal privacy regulations.

Whether the servicer and bureaus should face sanctions for willful violations of FERPA, the Privacy Act, and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
Your account was closed because it was linked to activity that goes against our Terms of Service ( https : //cash.app/legal/us/en-us/tos ). of activity that goes against our Terms of Service ( https : //cash.app/legal/us/en-us/tos ). 

You are still able to access your account, sell your bitcoin or other assets, and withdraw any remaining funds. However, all other features, including the Cash App Card, have been permanently disabled.

My response : Use it for day to day purchases food bills etc. Also friends and family send and receive. Also previously for direct deposit for unemployment benefits Not sure if its because im sponsoring a nephew but i use my card daily a d have no other recourse for banking please advise as to reinstatement of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MI

Complaint narrative:
My card started declining from US Bank a couple days ago. I was told to call the verification department. Ive call numerous times waiting literally hours ( I have the screen shots ) but they will not answer. XXXX days about XXXX or XXXX calls, all waiting over an hour with no resolution. No other department will help, no one will call back, no one will take a complaint nor any supervisors to intervene

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 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mortgage Research Center, LLC
State: OR

Complaint narrative:
Applied for a VA loan XX/XX/year>. Was assisted by both XXXX XXXX and XXXX XXXX who were great in helping with gathering information and uploading to the webportal. I was PreApproved they indicated... great! However, the loan structure was not solid yet, but I indicated that we were purchasing the home we were currently renting- the property address was added at application. The lender had our names, income, socials and birth dates, subject property address, estimated value of the subject property and mortage loan amount sought. Although final details were not firmed up, and the rate was not locked, I was not too happy with the XXXX  XXXX that ended up with our preapproval ; however, we still had a completed loan application. I started to shop around and realized that I had never received any kind of documentation from XXXX XXXX and the loan XXXX XXXX XXXX. I called XXXX and inquired- asked why we don't have an LE and if we could get XXXX to see what fees they charge and details. He said he didn't have to provide that because our rate was not locked? He was just rude and unhelpful, so I indicated that I was going to shop around. I never indicated that I wanted to withdraw my application. However, when I logged in to XXXX portal, my loan was gone. My preapproval was - gone. I called to inquire because I never withdrew my application. I XXXX not have been happy with them, but I did not withdraw my loan application and simply wanted a loan estimate. Today ( XXXX ) I was transferred to a " client loan advocate '' and he indicated that I should brush up on my laws because they didn't have the XXXX triggers for an XXXX. But they did - I was not going to argue and can clearly see that XXXX XXXX does not want to work with me or my veteran husband. And now I am here because they are not good- they are not honest. They are out of compliance and Tray, the client advocate, was only a protector for the lender, nowhere did he advocate or help me at all. They should lose their license and be penalized. Thank you Name Income Social Security Number Property Address Estimated XXXX XXXX XXXX Mortgage XXXX XXXX sought And lastly - why would a mortgage XXXX  XXXX offer to help structure a real estate agreement when they aren't licensed?! XXXX XXXX clearly offered his help to draft a sales contract, but yet, won't provide a loan estimate?

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