vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal rebuttal in response to Wells Fargo 's reply dated XX/XX/XXXX, to my CFPB complaint submitted on XX/XX/XXXX. The response from Wells Fargo fails to address the specific legal violations and factual inaccuracies I raised. Below is a breakdown of the core issues and supporting facts.

1. False Claim : Account was Past Due as of XX/XX/XXXX Wells Fargo claimed the account # ( XXXX ) became delinquent on XX/XX/XXXX. However, all three credit bureaus reflect the account as 'current ' during that period. This contradiction confirms inaccurate and misleading reporting, in violation of FCRA 1681s-2 ( a ) and 1681e ( b ).

2. Illegal Re-Aging : Charge-Offs Reported XXXX XXXX Wells Fargo stated the account # ( XXXX ) was charged off in XX/XX/XXXX, but my credit reports reflect repeated charge-off notations from XX/XX/XXXX through XX/XX/XXXX. This violates XXXXXXXX XXXX XXXX XXXX XXXX  and constitutes unlawful re-aging. 
3. Misrepresentation of Balance ( XXXXXXXX XXXX XXXX XXXX ) The reported charge-off included {$490.00} in fees, with only {$1.00} in unpaid principal. XXXXXXXX XXXX XXXX XXXXXXXX prohibits charge-off reporting on non-principal amounts, making this account misreported and factually inaccurate.

4. Deletion of Positive Payment History All of my on-time payment history was removed from the tradeline. I was never late outside of grace periods, and COVID-related deferments were in place. The removal of positive history misleads future lenders and violates the FCRA 's accuracy standard.

5. Improper Use of XXXX XXXX - Inadequate Reinvestigation Wells Fargo marked the account 'verified " using XXXX XXXX  without addressing any of the specific legal claims or factual documentation I submitted. This violates FCRA 1681s-2 ( b ) and 1681i.

6. Breach of Settlement Agreement I paid the disputed {$1.00} in XX/XX/XXXX after being told the account would be updated to 'Paid in Full, Never Late. ' This promise was broken, and the account remains derogatorily reported, constituting a breach of written agreement and misleading practice.

7. Shifting Blame to Credit Bureaus Wells Fargo claimed that credit bureaus control how items are reported. This is false. Under FCRA 623, Wells Fargoas the furnisheris solely responsible for providing accurate and compliant information.

Requested Resolution I request the immediate deletion of this tradeline from all consumer reporting agencies due to repeated FCRA and XXXX XXXX violations. If unresolved, I will file formal complaints with the OCC and Texas Attorney General and proceed with civil litigation under FCRA 616 and 617 for negligent and willful noncompliance.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I need the foreclosure on my home to be stopped. I have done nothing but try to turn documents in on time for the assistance, call for updates, and I get told a different scenario every time I call. The last time I spoke to them, they told me the documents that were missing. They sent my home to foreclosure without notifying me and without requesting the documents. The documents that they are requesting I have sent in 3 different times. They still claim they havent gotten them.

I have gotten into more debt and could now lose my home for my family because of their negligence.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a payment from a title company to Bank of america to pay off a credit card in the amount of {$2600.00}. The remaining balance should have been XXXX but I was charged {$52.00} of interest when I contact the company directly I spoke to a representative and a supervisor to which both told me they cant help me and when I asked why they had no answer for this response When I explained to them that I tried in good faith to pay the accountant full. This check came from a title company due to myself refinancing on my home to pay off all of my credit card debt. The company said which was Bank of america that it was my problem that I had accrued the interest And that they would not waive the one time interest fee considering I have been a customer for 15 years since XXXX and have never made a payment with them.

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 2025-07-10 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: OK

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-07-09 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: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted three formal disputes to the credit reporting agencies regarding multiple student loan accounts being reported by the U.S. Department of Education.

There are at least three duplicate tradelines ( with similar account numbers ending in XXXX, XXXX, and XXXX ), a

ll marked as closed, with {$0.00} past due, but still listed as collection accounts. These appear to be the same original loans, being reported multiple times under slightly different account numbers. This is causing my total student loan balance to appear artificially inflated and gives the impression of multiple defaulted accounts when that is not the case. These entries are both inaccurate and materially misleading, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Despite submitting three rounds of disputes through the credit bureaus, the data furnisher has failed to correct or remove the inaccurate information, and the accounts continue to report unchanged

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 2025-07-09 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: IL

Complaint narrative:
Between XXXX and XX/XX/2025, I submitted three formal disputes to the credit reporting agencies regarding multiple student loan accounts being reported by the U.S. Department of Education.

There are at least three duplicate tradelines ( with similar account numbers ending in XXXX, XXXX, and XXXX ), all marked as closed, with {$0.00} past due, but still listed as collection accounts. These appear to be the same original loans, being reported multiple times under slightly different account numbers.

This is causing my total student loan balance to appear artificially inflated and gives the impression of multiple defaulted accounts when that is not the case. These entries are both inaccurate and materially misleading, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ).

Despite submitting three rounds of disputes through the credit bureaus, the data furnisher has failed to correct or remove the inaccurate information, and the accounts continue to report unchanged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Capitol Loans
State: OK

Complaint narrative:
Not sure on date. But I went to XXXX XXXX and got a loan for XXXX XXXX ( I believe I forgot amount ) and from the time on receiving the loan and from repaying, I lost my job so was unable to pay, and lost my contact number so couldn't get in touch. I receive a letter in the mail with amour. I past due and amount to reinstate loan by XX/XX/XXXX, and in the letter is states that they are going to try to get me arrested if not able to pay. Did. My research and seen that loan company aren't allowed to do that, it's would be civil not crimal and can only file for a judge summons ( or something like that ) but they are threatening to have me arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I deposited 6 checks into the ATM machine located at my local Bank of America branch in XXXX, California. After collecting my checks, the ATM machine broke. I immediately went inside the Bank of America branch and was told that the deposit did not go through. I was also told that removing my 6 checks from the machine was not possible and that I would need to call a phone number and make a new claim. I immediately called the phone number provided and made my claim. 
Today is XX/XX/year> and the status of my claim is still listed as " researching '' and the XXXX checks have still not been deposited into my account. 
I have attempted numerous times to call to check the status of my deposit and I am met with a machine informing me that my claim is still being processed and no option to talk with a live person. I also call my local branch and am told by a machine that all representatives are helping others and it hangs up. I was finally able to get through to a representative today at XXXX. However, because of the time difference, the department who handles these problems close at XXXX. 
Bank of America has taken my checks, and has been holding them for over XXXX weeks, without depositing them into my account. Furthermore, they are nearly impossible to contact. 
Those XXXX checks are MY money! Holding them for over 2 weeks in unacceptable! How am I supposed to pay my bills when my bank is holding them hostage!

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 monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C & 1681c-2 ) that you the TransUnion credit reporting agency block information appearing on my consumer report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate information consist of a rental property under XXXX XXXX XXXX the original creditor being Acero At the Stadium XXXX, A car loan under XXXX XXXX XXXX the original creditor being XXXX XXXX XXXX, A mobile phone account under XXXX XXXX XXXX the original creditor being XXXX XXXX and a mobile account under Credence Resource Management the original creditor being XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief