vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX 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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fraud happened on my buisness accounts at wells fargo. Someone used my information to steal {$6100.00} & {$1600.00} on XX/XX/XXXX {$200.00} on XX/XX/XXXX The fraud was reported to wells fargo between XXXX buisness days. The claims were denied because they said i took to long to report. 

They made no effort to contact us, protect us or remedy the matter. They will not provide information or do an investigation to catch the theives.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was trying to get a credit card with XXXX interest to be able to take care some of the bills i had when i saw the capital one had XXXX interest for XXXX  year that really got me to apply with them. I am XXXX I hardly understand the verbiage used but i did understand i was supposed to get XXXX interest it was advertised all over the page. When i called they told me that they change the terms because I didnt qualify for the XXXX interest but this was never explained to me because i would never got the card if it had interest. I just want the interest taken off and be granted what I originally applied for plus lost payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 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 theXXXXre 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 2025-12-15 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: IL

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 theXXXXre 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 non-monetary relief
Consumer complaint received 2025-12-15 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
I called national credit system on XX/XX/XXXX asking for a debt verification letter by mail. The lady screamed at me and told me to let her talk. She also stated that she was not going to send it by mail and verify my debt she sent me over a piece of copy of how much I owed, but could not verify why I owed that much. She told me I was wrong and that I just needed to pay it. The amount was. XXXX according to the national credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MN

Complaint narrative:
I am a documented victim of identity theft and am disputing Equifaxs reinstatement of a fraudulent XXXX credit card account that was previously removed from my credit report. This account was not opened by me and was created using my Social Security number without my knowledge or authorization. 

In XX/XX/year>, this XXXX credit card account was fraudulently opened in my name. I did not apply for the account, sign any documents, or authorize any charges. After discovering the account, I took all required steps to report identity theft. I filed an Identity Theft Report with the Federal Trade Commission and a police report with the XXXX Police Department, and I provided Equifax with proof of my identity and all supporting documentation. 

Based on this documentation, Equifax removed the fraudulent XXXX account from my credit report, confirming that the account resulted from identity theft. I have written proof showing that Equifax removed this account. 

Despite this, on Saturday, XX/XX/XXXX, Equifax reinstated the same XXXX account without my authorization and without providing notice of any new verified information justifying its return. I have documentation confirming both the removal and the improper reinstatement. 

Because this account has already been identified as identity theft, it should have been permanently blocked from reappearing on my credit report. I did not open this account and am not responsible for any associated charges. Any information being furnished by XXXX is inaccurate and should not be relied upon. 

I am formally requesting that Equifax immediately remove AGAIN and permanently block this fraudulent XXXX credit card account from my credit report. I am also requesting that Equifax prevent XXXX from re-reporting or accessing my credit file in connection with this account.

This account is the result of identity theft and should not be reported under any circumstances. Please remove this account within four ( 4 ) days and provide written confirmation that the removal is permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CL Holdings LLC
State: IL

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. A collection account is reporting incorrect account status an or/ balance. The information has not properly verified. I am requesting a full investigation and correction or removal of this inaccurate information under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legal compliance of one or more student loan accounts currently reporting on my XXXX consumer credit report.

Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure that all data reported to consumer reporting agencies is accurate, complete, verifiable, and not misleading. After reviewing my credit file, I have determined that the student loan tradeline ( s ) in question fail to meet these legal requirements and do not appear to be reported in full compliance with the Metro 2 Credit Reporting Resource Guide. The student loan account ( s ) are currently reporting information that is inaccurate and/or misleading, including improper account status coding, incorrect payment history, and inconsistencies related to delinquency and balance reporting. I am presently in an approved forbearance status on my student loan account ( s ). During an active forbearance, negative reporting, delinquency progression, or late payment notation is not permitted under applicable federal reporting standards or Metro 2 guidelines. Despite this, the account ( s ) continue to reflect information suggesting adverse activity, which is inconsistent with my current status and results in a materially inaccurate credit profile. Furthermore, the disputed student loan account ( s ) may be subject to relief under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which resulted in the discharge and forgiveness of millions of federal student loans due to improper servicing, misleading conduct, and failures by the U.S. Department of Education and its loan servicers. Given the scope of this settlement and the ongoing review and discharge activity affecting eligible accounts, the continued reporting of adverse or inaccurate information without proper verification is unreasonable and legally improper. Under the Fair Credit Reporting Act, including 15 U.S.C.

1681i, I am requesting that XXXX  conduct a full reinvestigation of the disputed student loan account ( s ) and require the furnisher to provide complete documentation verifying the accuracy of all reported data in full Metro 2 compliance. If the furnisher is unable to validate the information as accurate, complete, and compliant with federal law and Metro 2 reporting standards, I am requesting immediate correction or deletion of the tradeline ( s ) from my credit file. Please complete this reinvestigation within the statutory 30-day period and provide written confirmation of the results. Thank you for your prompt attention to 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 2025-12-15 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: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got an email from XXXX with a confirmation for a charge from a third party for XXXX to a card from CitiBank ending in XXXX. This card was cancelled in XX/XX/2022 for suspicious fraudulent activity. Although I do recognize the merchant, CitiBank customer service representative could not give me an explanation on how a card that was cancelled 3 years ago was processed merely stating that it was a " glitch ''.

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 2025-12-15 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: SC

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 2025-12-15 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: GA

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 explanation
Consumer complaint received 2025-12-15 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: GA

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 2025-12-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
NELNET, on behalf of the DOE- is reporting a false delinquency to the credit reporting agencies from XXXX. I have called NELNET multiple times, who are claiming they have no record of reporting, as there is no delinquency on my account. They provided me with a letter to submit with my disputed ( which I have attached ) claiming as such. My dispute was approved and removed from my account. In XX/XX/XXXX, Nelnet again reported this false delinquency to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I am submitting this complaint because I have been trying in good faith to work with Carrington Mortgage Services to obtain a loan modification or another retention option so I can keep my home. 

Due to financial hardship caused by a reduction in my household income and an increase in essential living expenses, I fell behind on my mortgage payments. This situation was not intentional and was outside of my control. Since then, I have been doing everything possible to stabilize my finances and move forward responsibly. 

I am willing and able to cooperate fully with Carrington Mortgage by providing all requested documentation. However, the process has been extremely difficult due to delays, lack of clear communication, and limited cooperation, which has made it challenging to complete the loss mitigation review and understand what is still needed from me. 

My financial situation is improving, and with a reasonable loan modification, I believe I can afford the payments and maintain the mortgage long term. I am not trying to avoid my responsibility ; I am simply asking for a fair review of all available retention options so I can bring the loan current and keep my home. 

I respectfully request that Carrington Mortgage Services : Complete a full review of my loan for a modification and any applicable retention options Clearly communicate any remaining documentation needed Work with me in good faith while my application is under review I am committed to resolving this matter and continuing homeownership, but I need Carringtons cooperation to reach a sustainable solution. I am asking for the CFPBs assistance to ensure this process is handled fairly and in a timely manner. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation