vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because it's in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because it's in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report

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 2025-07-26 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because it's in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX  Account number : XXXX Inconsistencies reported among all reporting bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: LoanCare, LLC
State: SC

Complaint narrative:
Company or Organization : LoanCare Account number : XXXX Date fraud begin : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total Fraudulent amount : {$270000.00} I am a victim of identity theft. I recently learned that my personal information was misused to open and report fraudulent account activity on my credit report. I did not authorize this account, and I request that it be closed and removed immediately. My information has been transferred through multiple data breaches and is being used for another company 's economic gain.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request an immediate investigation into negative entries on my credit report that I believe are a direct consequence of the XXXX  XXXX data breach. As you may be aware, XXXX publicly disclosed a significant data breach in XXXX, which exposed the personal information of a vast number of users, including myself. Since the incident, I have encountered several issues affecting my credit standing that can be traced back to unauthorized activity and identity misuse. 
Upon reviewing my recent credit report, I noticed the following inaccuracies that I suspect are linked to the misuse of my private data compromised in the aforementioned breach : Unauthorized credit inquiries Accounts opened without my consent Erroneous negative entries not attributable to my financial activity I have taken steps to secure my accounts and have filed reports with the appropriate authorities regarding these incidents. Attached to this letter, you will find supporting documentation, including a copy of my credit report highlighting the disputed entries, proof of my identity, and correspondence relating to the XXXX  XXXX data breach. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that you : Conduct a prompt investigation into these disputed entries Remove or correct any information that is found to be inaccurate or unverifiable Provide written confirmation of the actions taken as a result of this dispute The damage to my credit through no fault of my own has resulted in undue hardship, and I trust that your bureau will take this matter seriously and act swiftly to restore the accuracy of my credit file. Please let me know if additional information or documentation is needed to facilitate your investigation. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and the resolution of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
In XX/XX/year>, I, XXXX XXXX XXXX went credit union XXXX leave in XXXX, XXXX NY where XXXX XXXX XXXX took care of me. I wanted to deposit {$7000.00} USD in cash to my business account but XXXX XXXX XXXX it by mistake in my personal account therefore XXXX XXXX withdraw $ XXXX from personal account but I never received the cash back. 

Also, I had a check # XXXX of XXXX USD from my business account to cash and XXXX XXXX cashed the check from my business account. 

Therefore, I only received $ XXXXUSD cash from my business but not from my personal and the withdraws are reflected in my statements. 

Id complaint to the bank but they said that I never deposit cash although you can see the deposits in the statements. The bank has cameras where they affirmed I never provided them cash but there is still cash deposits in my statements. Therefore I believe they are not telling the truth and cameras were alternated.

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 2025-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Against Equifax and Experian for Failure to Timely Remove Fraudulent Inquiries and Unverified Public Records To Whom It May Concern, I am filing a formal complaint against Equifax and Experian for their continued failure to remove fraudulent credit inquiries and unverified public record information from my credit reports in a timely and compliant manner. These credit reporting agencies are in direct violation of the Fair Credit Reporting Act ( FCRA ) by failing to complete my disputes within the legally required timeframe and allowing inaccurate, unauthorized, and damaging information to remain on file.

Details of the Complaint : 1. I submitted multiple disputes to both Equifax and Experian regarding unauthorized/fraudulent inquiries that were not initiated by me and lack permissible purpose. I included an FTC report along with the
disputes yet they are purposely being disregarded.

2. I also disputed inaccurate or unverified public record entries that neither bureau has validated with proper documentation, such as court dockets or certified verification. These items continue to remain with proper validation.

3. Despite these disputes, both agencies have failed to remove the disputed information within the required 30-day window as outlined under FCRA 611 .

4. In many cases, dispute resolution is being intentionally delayed up to 60 days or more, without adequate communication or supporting documentation.

5. I have provided ample supporting documentation, including identity theft affidavits and several written complaints to CFPB, yet no corrective action has been taken.

6. This negligence is causing me significant financial harm, including loss of credit opportunities, higher interest rates, and emotional distress due to the prolonged inaccuracy of my credit reports.

Requested Resolution : Immediate removal of all fraudulent inquiries that I did not authorize or initiate. 
Deletion of any public record information that can not be verified with certified and accurate legal documentation.

Written confirmation from Equifax and Experian detailing actions taken.

Enforcement action against both bureaus for willfully ignoring FCRA timelines and consumer protections.

Any necessary restitution for damages suffered due to their noncompliance.

Consumers have a legal right to timely and accurate investigations, and the failure of Equifax and Experian to act accordingly warrants federal oversight and corrective action. 

Thank you for your attention to this matter. I am requesting a prompt investigation and resolution.

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 2025-07-26 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of late payment information reported on my account and to document the challenges I have faced in obtaining verification. 

During an extremely difficult time, while caring for my husband who was seriously ill and later passed away, I applied for a hardship program through XXXX. My hardship request was accepted, and I had automatic payments in place. However, despite these accommodations, late payments were reported on my account. 

Since then, I have repeatedly requested documentation to verify and better understand the basis for the reported delinquencies. I specifically requested the following : A copy of the original signed agreement or contract for the account ; A full and detailed payment history, including the dates and amounts reported as late ; Any internal records or logs used to determine and report the payment status ; Proof that proper notice of delinquency was issued in compliance with applicable laws ; Evidence that the credit reporting was done in accordance with the Fair Credit Reporting Act ( FCRA ). 

Each of these requests has been denied or ignored, despite my right under the FCRA to receive such documentation during the dispute process. Without this information, the reported delinquencies remain unverified and are causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
Submitted dispute several times with Experian and Transunion, and it was never investigated. I asked for proof of validation, but it was never given. I have spoken with them and provided docs and still no changes. There are so many discrepancies with the XXXX reporting on my credit report and the credit bureaus will do nothing. I don't have this vehicle and haven't had this vehicle, and need this to be removed off my credit report. Please see the attached docs.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment of {$450.00} to my Bank of America credit card from my XXXX  XXXX XXXX checking account - On XX/XX/year>, Bank of America took {$45000.00} out of my XXXX  XXXX XXXX checking account I contacted Bank of America for correction and additionally contacted XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX checking was closed from insufficient funds. 
XXXX XXXX, 2025, I filed a dispute for the {$45000.00} with the XXXX XXXX XXXX XXXX The {$45000.00} was removed and my checking account was restored to normal and reopen XXXX XXXX, Bank of America sent XXXX  XXXX XXXX {$44000.00} into my checking account. This was an overpayment on Bank of Americas part XXXX XXXX, XXXX  I filed a dispute for the {$44000.00} to refuse and to send this money back to Bank of America . My XXXX XXXX XXXX checking account had this removed and my checking account was back to normal -As of XX/XX/year>, my Bank of America has not reflected the return of the {$44000.00} to them. My statement reflects I have a current balance of {$49000.00}. I have tried to contact them to follow up but can not get through.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo forged my signature to open a {$50.00} American Express Credit Card without my knowledge and sent it to a P.O. box to my account manager in charge of accounts payable. I have proof to show that Wells Fargo forged my signature.

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 2025-07-26 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: MD

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-26 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: MD

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
In early XXXX, I noticed that my mortgage loan originally a XXXX term had somehow been extended to a XXXX term without any explanation or supporting documentation. The monthly payment amounts also began to change in ways that do not align with the original loan terms. 

Beginning in XX/XX/year>, I made multiple attempts to get clarification from XXXX XXXX. I submitted XXXX requests via email, XXXX by standard mail, and XXXX certified mail request asking for the following : A copy of the original loan agreement The promissory note Any modification agreements The mortgage or deed of trust All lien documents A full payment history A detailed amortization schedule And proof that XXXX XXXX has the legal authority to service my mortgage To date, I have received no response and none of the requested documents. The unexplained changes to my loan, lack of transparency, and failure to provide basic documentation raise serious concerns about the legitimacy of XXXX XXXX servicing authority. I am also concerned that there may be fraudulent or deceptive practices involved.

I am requesting CFPB 's assistance to require XXXX XXXX to provide the requested documentation and a full explanation of the changes to my mortgage.

Company response to consumer: Closed with explanation