vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
It appears that Rocket Mortgage is in violation of the Fair Credit Reporting Act ( FCRA ) and bankruptcy discharge order ( 11 U.S.C. 524 ) by incorrectly reporting your mortgage tradeline post-discharge.

1. Violations by Rocket Mortgage Incorrect Reporting Status : Reporting the tradeline as " Unknown '' using the phrase instead of " Discharged in Bankruptcy '' or with a {$0.00} balance violates the FCRA ( 15 U.S.C. 1681s-2 ). Rocket Mortgage continues to send monthly billing statements 10 months post-XXXX XXXX discharge. 

Under FCRA 623 ( 15 U.S.C. 1681s-2 ) it is Rocket Mortgage 's duty to correct inaccuracies. Rocket Mortgage is ignoring the bankruptcy discharge, a clear violation of ( 11 U.S.C. 524 ) .I am demanding the you update the tradeline within 30 days or face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We received a letter from Wells Fargo stating our accounts were frozen. They wanted proof of status.We called Wells Fargo and was not able to get information and instructed to go to a branch. We went to branch and provided all the requested information and forms and were told someone would call. No one ever called and we went back to the branch and they could not provide any information. We asked to escalate and were told someone should call us. We asked for a number we could call to check instead of continuing to make a trip to the branch but Wells Fargo refused to provide any contact info and said all we can do is wait. This has now been about a month and I can not make payments or access my accounts. No one can tell us what is going on or how to fix. And there will probably be fees charged due to lack of payments which I would be responsible for and negatively impact our credit scores.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Improper repossession, inaccurate credit reporting, and denial of auction access. My vehicle was repossessed without notice and during an active dispute. I had decided to report some inaccuracies Capital One was reporting inaccurately to the credit bureau stating that my account had been charged off while I was still in possession of the vehicle. Well during that dispute capital one decided to repossess my car while the dispute is still open and active. I believe that too was illegal, according to the state of NC repossession laws they violated according to NC UCC 25-9-611 and 25-9-614, which governs consumer notification of disposition of collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OK

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit file and are not tied to any open or closed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite providing the credit reporting agency with my identification and dispute evidence, they have failed to delete the inquiries or provide proof of my consent as required under FCRA 604 and 609 ( a ) ( 1 ). They have also failed to complete the reinvestigation within th
e statutory timeframe required by FCRA 611 ( a ) and 1681i. 

Specifically : Equifax : XXXX XX/XX/XXXX Experian : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me and are not linked to any legitimate credit application. The bureaus have failed to produce original signed applications, the date/time/method of authorization, or the full contact information of the requesting entity. 

As a confirmed victim of the Equifax and XXXX XXXX XXXX breaches, I invoked my rights under FCRA 1681c-2, which requires unverifiable or fraudulent inquiries to be blocked within four ( 4 ) business days. This request has been ignored.

The bureaus continued reporting of these inquiries without proof of permissible purpose constitutes willful and negligent noncompliance under FCRA 1681n and 1681o.

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 2025-08-11 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: OK

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit file and are not tied to any open or closed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite providing the credit reporting agency with my identification and dispute evidence, they have failed to delete the inquiries or provide proof of my consent as required under FCRA 604 and 609 ( a ) ( 1 ). They have also failed to complete the reinvestigation within th
e statutory timeframe required by FCRA 611 ( a ) and 1681i. 

Specifically : Equifax : XXXX XX/XX/XXXX Experian : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me and are not linked to any legitimate credit application. The bureaus have failed to produce original signed applications, the date/time/method of authorization, or the full contact information of the requesting entity. 

As a confirmed victim of the Equifax and XXXX XXXX XXXX breaches, I invoked my rights under FCRA 1681c-2, which requires unverifiable or fraudulent inquiries to be blocked within four ( 4 ) business days. This request has been ignored.

The bureaus continued reporting of these inquiries without proof of permissible purpose constitutes willful and negligent noncompliance under FCRA 1681n and 1681o.

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 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX  Consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/2025 I am filing this complaint in reference to a fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX that has been repeatedly reported to the three credit bureaus with supporting documentation. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received the attached letter from XXXX XXXX acknowledging my request for documents but claiming they could not fulfill the request without an enlarged copy of my government-issued ID and a police report. However, I have already sent these items * * multiple times * * to XXXX XXXX, including : * A copy of my state-issued ID * A copy of my Social Security card * A police report documenting that I am a victim of identity theft Despite this, XXXX XXXX has failed to properly investigate or honor my previous submissions. The continued request for documents I have already provided indicates a lack of thorough review and due diligence. 

Furthermore, I have made * * multiple requests * * to the three credit bureaus to remove this fraudulent account from my credit report, including providing the same supporting documents. Despite clear evidence of fraud and proof that I am not associated with the address linked to the account, the credit bureaus have failed to take corrective action. This constitutes a lack of proper investigation and intervention in violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I am requesting that the CFPB require : 1. Immediate removal of the fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX from all credit reports. 
2. Confirmation from XXXX XXXX and the credit bureaus that my documentation is on file and that no further duplicate requests for the same documents will be made. 
3. An explanation from XXXX XXXX and the credit bureaus detailing why proper investigative procedures were not followed despite multiple submissions of the required documents. 

XXXX XXXX  Attachments : XXXX XXXX XXXX XXXX XXXXXXXX letter dated XX/XX/202XXXX XXXX Copies of ID, Social Security card, and police report previously submitted * Prior dispute correspondence with the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX  Consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/2025 I am filing this complaint in reference to a fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX that has been repeatedly reported to the three credit bureaus with supporting documentation. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received the attached letter from XXXX XXXX acknowledging my request for documents but claiming they could not fulfill the request without an enlarged copy of my government-issued ID and a police report. However, I have already sent these items * * multiple times * * to XXXX XXXX, including : * A copy of my state-issued ID * A copy of my Social Security card * A police report documenting that I am a victim of identity theft Despite this, XXXX XXXX has failed to properly investigate or honor my previous submissions. The continued request for documents I have already provided indicates a lack of thorough review and due diligence. 

Furthermore, I have made * * multiple requests * * to the three credit bureaus to remove this fraudulent account from my credit report, including providing the same supporting documents. Despite clear evidence of fraud and proof that I am not associated with the address linked to the account, the credit bureaus have failed to take corrective action. This constitutes a lack of proper investigation and intervention in violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I am requesting that the CFPB require : 1. Immediate removal of the fraudulent XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX from all credit reports. 
2. Confirmation from XXXX XXXX and the credit bureaus that my documentation is on file and that no further duplicate requests for the same documents will be made. 
3. An explanation from XXXX XXXX and the credit bureaus detailing why proper investigative procedures were not followed despite multiple submissions of the required documents. 

XXXX XXXX  Attachments : XXXX XXXX XXXX XXXX XXXXXXXX letter dated XX/XX/202XXXX XXXX Copies of ID, Social Security card, and police report previously submitted * Prior dispute correspondence with the three credit bureaus

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This collection has been closed and removed, but it is still being reported on my credit report through my XXXX  account. Although it is not on my credit report, it is still showing collections being reported. It needs to be removed and updated, but I am unsure of how to resolve this issue. ''

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 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Sofi wrongfully restricted my account & Im trying to access my online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I've made several requests for an itemized bill and validation. They did not mail the requested information and the representatives on the phone ( specifically XXXX XXXX ) also refuse to provide any information. 

They also continuously call me, but hang up once I answer. I believe they are doing this to annoy me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
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 explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: MN

Complaint narrative:
I received the attached email regarding a past due balance on a loan from Advance America on XX/XX/XXXX. 

I have not heard of this company and have not taken out a loan with them. I found their website ( without clicking on anything in the email ) and attempted to reset password for my email address, but the XXXX codes are not being sent to my phone. 

I called their help line but it asks for additional information ( social security number, phone number ) in order to look up my account, which I am not going to give them because it seems like a scam. 

Advance America should not have been able to create a loan in my name because I placed a security freeze on my accounts with all three credit reporting agencies in XXXX after the XXXX  breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Ive been dealing with this issue being in my credit report since del toro insurance based out of Florida paid off almost XXXX of the vehicle loan and the XXXX XXXX failed to get all the information from the car dealership ( Infiniti financial ) to get the remaining balance off. I had XXXX collection agencies contact me within the year saying I owe them for the remaining balance of the car loan. Ive provided the first agencies with the XXXX XXXX company information to get in contact with and I didnt hear anything till the begging off this year from a different collection agencies ( XXXX XXXX XXXX saying I owe the remaining balance and they tried to get me to negotiate to take it off my credit but didnt agree to anything. Infiniti financial is and should be fully responsible for that balance due to the XXXX XXXX they sold me in my car loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I attempted to transfer an FHA loan to a different company. The company I was transferring to requested a case transfer from rocket mortgage, rocket mortgage then contacted me twice asking if this was really something I wanted to do, which I answered affirmatively. Then, after several days, I received notice that I needed to call their customer service line ( rocket mortgage 's ) in order to transfer this case. I called and spent a very long time on hold. 

This practice is disgusting and is a deliberate waste of my time. Behavior like this should not be tolerated by government or consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Back in XX/XX/XXXX, I applied and was approved for the SAVE plan and loan consolidation through MOHELA. I also received loan forgiveness that amounted around {$50000.00}. That left a little over {$42000.00} for me to pay. As you can see from the attached documentation, my new amount and payment schedule is reflected and also shows that I started paying on it. Also attached, you will see where in XX/XX/XXXX, my original principal amount was {$34000.00} lower than what MOHELA issued to me in XX/XX/XXXX. Ive also taken a snapshot of my inbox to show that no letter was provided giving a reason for the increase. I havent attended school since XXXX so there is no reason for the increase. They also started charging interest prior to XX/XX/XXXX.

Company response to consumer: Untimely response