vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I am filing this complaint due to inaccurate, inconsistent, and misleading credit reporting related to the same account being reported differently across my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question shows : Conflicting payment histories across credit reports for the same months Late payments reported after the account was closed A status of Paid in Full / Was a Charge-Off with a {$0.00} balance, while still reflecting escalating late payments after closure and payoff Different delinquency patterns for the same account depending on the credit report reviewed These contradictions demonstrate that the information is not being reported accurately, completely, or consistently, as required under FCRA XXXX XXXX b ). Key Issues XXXX. Late Payments After Account Closure The account lists a Date Closed of XX/XX/2023 However, late payments ( XXXX, XXXX, XXXX, XXXX, and 150 days past due ) are reported after the closure date An account can not accrue late payments after closure unless properly billed and reflected consistently, which is not occurring here XXXX. Status vs Payment History Conflict The account is reported as Paid in Full / Charge-Off with a {$0.00} balance Despite this, negative payment history continues beyond closure and payoff, which is internally contradictory XXXX. Inconsistent Reporting Across Disclosures The same account reflects different payment histories and delinquency timelines depending on which report is viewed Information that can not be reported consistently can not be considered verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to XXXX U.S. code XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
My Loan was transferred from XXXX XXXX  to CrossCountry Mortgage for servicing on XX/XX/XXXX. 
At time of transfer, I had {$33000.00} in unapplied funds on my mortgage account. This amount was transferred to the new Servicer along with the loan and escrow account ( transfer records produced by previous servicer ) Following the transfer, CrossCountry Mortgage is not able to locate the funds. The {$33000.00} unapplied funds are missing. I informed CrossCountry Mortgage of this error on XX/XX/XXXX, and have followed up with them every other day on resolution. 
My concern has been entirely ignored and CCM has made to material effort is recovering the funds that are lost due to their internal error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
b'CFPB STATEMENT NEW METHOD \n\nI am submitting this statement because I am a victim of identity theft connected to a data breach in which my personal information was accessed without my permission. This breach resulted in fraudulent activity on my credit report, including unauthorized accounts and negative items that I did not create, authorize, or approve. I am requesting an immediate investigation and the removal or blocking of all fraudulent information from my credit file.\n\n1.XXXX XXXX XXXX Account Number: XXXX EXPERIAN / EQUFIAXXXXX XXXXcount Number: XXXX: EXPERIAN XXXX XXXX XXXX  Account Number: XXXX EXPERIAN / EQUFIAX\n\n\nFurthermore, I am also requesting the removal of any inaccurate, outdated, or unauthorized personal information that may have been added or altered as a result of this identity theft incident: \n\nPERSONALINFO:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 filed disputes requesting verification of debt and original ownership documents showing my name. The accounts in question I had no knowledge of : XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} XXXX XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX submitted disputes for these accounts XX/XX/year> and received updates that simple said the account was accurate, however I was never mailed or emailed any legitimate documents verifying the accounts as requested in my initial dispute. I then submitted another dispute for the accounts reiterating the request for official documents providing proof of ownership of the accounts in question and shortly received the same email confirmation that the account was verified and was not provided any documentation supporting this.

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 2025-12-22 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 filed disputes requesting verification of debt and original ownership documents showing my name. The accounts in question I had no knowledge of : XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} XXXX XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX submitted disputes for these accounts XX/XX/year> and received updates that simple said the account was accurate, however I was never mailed or emailed any legitimate documents verifying the accounts as requested in my initial dispute. I then submitted another dispute for the accounts reiterating the request for official documents providing proof of ownership of the accounts in question and shortly received the same email confirmation that the account was verified and was not provided any documentation supporting this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I have made repeated attempts to reach someone at this office to resolve my debt owed and nobody returns my calls. I have left messages for someone named XXXX, XXXX and XXXX multiple times with no return call. I spoke with a gentleman last week who informed me that the file was closed and they needed to contact the original creditor to see if they would like them to continue working on the account. They said they would call me back and never did. They took me to court and obtained a default judgment and moved for garnishment They ended up serving the incorrect employer, and their garnishment order was closed and expired on XX/XX/XXXX. We filed a bankruptcy in XXXX ; however we decided to dismiss this voluntarily and resolve debts on our own. I am trying to find out how much I owe and pay the amount due to avoid them attempting to garnish again ; however nobody will return my calls. I am no longer in bankruptcy and trying to resolve the debt. I am willing to pay what I owe, but can not make a payment if nobody returns my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information that Equifax is reporting on my consumer credit file. I have reviewed my Equifax credit report and identified several accounts, inquiries, and late payment notations that do not appear to be reported in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account Dispute XXXX  XXXX XXXX  Account No. XXXX ( Opened XX/XX/XXXX, Balance {$11000.00} ) Unauthorized / Unverified Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Dispute XXXX  XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
they called from XXXX The called me twice, in the same day XX/XX/year>, within a few hours, with the same message saying this is a final attempt. 

They called me again on XX/XX/year>, saying this is a final attempt. 

They are harassing me with frequent calls each saying " this is a final attempt. '' Do not contact me again. File your lawsuit in court.

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 2025-12-22 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: NY

Complaint narrative:
I am filing this complaint due to inaccurate and incomplete information being reported on my TransUnion credit report. Several accounts are being reported incorrectly and are causing ongoing harm to my credit profile. 

Charged-Off Accounts in Dispute XXXX XXXX, Account NoXXXX XXXX XXXX XXXX Date Reported XX/XX/year>, Balance {$0.00} XXXX XXXX, Account No. XXXXXXXX XXXX XXXX Date Reported XX/XX/year>, Balance {$50000.00} These charged-off accounts are being reported with inaccurate account details and incomplete verification. TransUnion has failed to ensure that the information meets FCRA accuracy and completeness standards. If proper verification can not be produced, these accounts must be deleted. 

Late Payment Reporting in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX These late payments are inaccurate and are being reported without adequate verification. This reporting is misleading and negatively impacts my credit standing. Under the FCRA, inaccurate or unverifiable information must be corrected or 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 non-monetary relief
Consumer complaint received 2025-12-22 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:
I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.

Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. 

Correct or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.

Provide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.

I expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. 

This issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX P : XXXX XXXX : XXXX To Whom It May Concern : My name is XXXX XXXX, and I am writing to you for help regarding incorrect information reported on my credit report. I received a notification from XXXX regarding my credit score and that it had dropped by almost XXXX points. I am one who takes pride in keeping my score up and paying my bills on time, so this came to me as a complete shock. 
When I looked further into this, it looked like I was reported by EdFinancial Services for XXXX student loans. I was a student at XXXXXXXX XXXX  from XXXX XXXX XXXX when I chose to unenroll at the school. I was aware of a couple of small loans, but I had not received any communication from the company the loans were taken from. I know I am still responsible even if I left school, but I should have received statements in the mail. I have tried to log onto Ed Financial Services site, but it does not recognize my social security number and date of birth which I now believe this could be fraud. I was able to log onto XXXX and noticed that my address was wrong. We moved XX/XX/XXXX to XXXX XXXX XXXX, XXXX. Prior to this move, I never received any notifications via email or mail regarding payments due for these loans. 
I am extremely concerned about how this was handled. When reviewing my credit report, it shows current for XXXX, no data reported for XXXX, then XXXX shows no data reported from XXXX to XXXX then current from XXXX then I am marked XXXX  days late. This is a serious issue since I have never received any statements for payments due. I am not disputing that I owe the money and can pay it in full however, it is not right for me to be reported to the credit bureaus without any communication from EdFinancial Services. 
I am filing a formal complaint with FCRA, FSA, CFPB, XXXX XXXX XXXX I am asking for your help in resolving this before I seek legal representation. I am willing to pay all student loan debt in full but would appreciate my credit is cleared and my score is restored back to what it was. 

Please feel free to contact me via email or phone. I will most likely respond better to email since I work all day and unable to answer calls. I would very much appreciate immediate attention to my concerns. 
Thank you in advance for your time and help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I REQUESTED A FRAUD INVESTAGATION FROM TRANSUNION TO REMOVAL FRAUDULENT ACCOUNT FROM XXXX XXXX  AND A XXXX XXXX BANKRUPTCY FROM MY CREDIT FILE. I HAVE PROVIDED TRANSUNION WITH BOTH ID THEFT FTC REPORTS AND SUPPORTING DOCUMENTION SUCH AS MY DRIVERS LICENSE AND COPY OF UTLITY BILL AND THERE HAS BEEN NO RESOLUTION TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED. UNDER FCRA CREDIT bureauS ARE REQUIRED TO REMOVE OR DELETE FRAUDULENT INFORMATION FROM THE REPORT WHEN SUPPLYING THEM WITH SUPPORTING EVIDENCE.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I was sent a Cash.App debt card. I have never used cash.app, never installed the app, and never signed up for the service. I checked XXXX XXXX XXXX XXXX to see if someone has accessed my credit, and there were no hits of any kind from XXXXXXXX XXXX  or Cash.app, so it is clear that this account was opened without any sort of real verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
Reason : Unauthorized Credit Inquiries ( Hard Inquiries ) I am filing this complaint because my credit report shows hard inquiries that I do not recognize and did not authorize, made by the following entities : XXXX XXXX  date XX/XX/XXXXXXXX XXXX date XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), all hard inquiries require express and verifiable authorization from the consumer. I formally request that the credit bureau and/or the aforementioned entities provide valid proof of my authorization ( signature, application, or consent ). 

If they are unable to verify this authorization within the legally mandated timeframe, I request the immediate removal of these inquiries from my credit report and the corresponding update. 

I would appreciate written confirmation that the correction has been made.

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