vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
I am requesting that TransUnion reinvestigate the following items on my credit report. If these accounts can not be fully verified with proper documentation, I request immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX Acct : XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$18000.00} INQUIRIES ( TU ) XXXX  XXXX XX/XX/XXXX LATE PAYMENTS ( TU ) XXXX XXXXXXXX XXXX XXXX  Acct : XXXX This late payment appears to be inaccurately reported. I request validation or removal if unverifiable.

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 2025-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/year> I had a series of alerts, alerting me that there was a hard inquire pulled from CAPTITAL ONE BANK THTA I DID NOT AUTHORIZE. I called the agencies and the Capital one for a removal and was told to file a police report in which I did and is attached to this complaint. report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2025-11-10 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Creditor Name : Freedom Mortgage Account Number : XXXX Date of late payment : XX/XX/year> Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this late payment misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a late payment is seven years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this late payment as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the late payment from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Creditor Name : Freedom Mortgage Account Number : XXXX Date of late payment : XX/XX/year> Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this late payment misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a late payment is seven years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this late payment as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the late payment from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
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 non-monetary relief
Consumer complaint received 2025-11-10 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:
I am writing to file a dispute regarding inaccurate information that appears on my credit reports with Equifax. Below are the specific accounts and details of the inaccuracies, organized by bureau.

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account was reported as charged off but the status and other details are inaccurate. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

Bankruptcy Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Description : Inaccurate bankruptcy reporting, not aligned with the actual filing dates. 

Late Payments : XXXX Account Number : XXXX Description : There is an inaccurate late payment entry on my credit report. The payment was made on time. 

XXXX Account Number : XXXX Description : The late payment is incorrectly reported ; this was paid on time. 

XXXX Account Number : XXXX Description : Late payment recorded inaccurately on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX related to an auto lease I co-signed for my father, XXXX XXXX. 

The XXXX XXXX account number is XXXX. The lease ended and the vehicle was returned. A small charge for windshield damage was sent to TSI ( Transworld Systems ) for collections under account number XXXX. 

In XX/XX/year>, TSI confirmed in writing that the account was resolved after a {$930.00} payment was made toward a {$620.00} balance. Their letter dated XX/XX/year>, states : As of the date of this letter, our records indicate that your account is resolved. In the event that we are notified in the future that your payment was returned due to non-sufficient funds or was otherwise reversed or unpaid by your financial institution, this letter will be void. 

Despite this settlement and confirmation, XXXX XXXX continues to report the account as charged-off with a balance due to the credit bureaus. This incorrect reporting has remained for nearly two years and has significantly harmed my credit score.

I have filed multiple disputes with XXXX  and provided documentation,
including the TSI settlement letter and proof of payment, but XXXX has not corrected the information. 

I am requesting that XXXX XXXX : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written confirmation that the account is resolved in full and that no further balance is owed.

I have attached a copy of the TSI letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be reviewed and verified, and if they can not be confirmed, that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
I am filing this dispute to request the correction of inaccuracies found in my credit reports with the XXXX major bureaus. Below are the accounts in dispute : CHARGED OFF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$970.00} INQUIRIES XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX LATE PAYMENTS XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

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 2025-11-10 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX  - {$5600.00} ( account # XXXX ) XXXX XXXX XXXXXXXX - {$140.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
the owed balance is excessively higher than the amount owed.. The new collection amount is much higher. amount said owed is XXXX please have company verify why the balance is inflated I have asked this collection company tp provide the true owed balance and reason for the any other fees attached to true balance. it never received true itemised balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 {$8300.00} 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 FTC Report Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XX/XX/year> I used the online process- wanted to open checking account with CapitalOne. After going through the electronic form process, I discovered I had opened a savings account with a deposit of {$600.00} to be transferred from XXXX. So I use the electronic form process again to open a checking account with {$100.00} to be transferred from XXXX. I anticipated I could transfer funds from savings to checking ones the accounts were fully established and funds transferred. Today, XXXX XX/XX/year>, after logging into my CapitalOne account the {$600.00} is still pending deposit to my savings account. But the {$100.00} was transferred to the checking account on XXXX XX/XX/year>. XXXX showed the {$600.00} was removed from my account on XXXX XX/XX/year>. I call CapitalOne and the agent was not providing clear explanation but was clear despite CapitalOne branches being open on a Saturday, the day is not considered a business day for banking purposes. I asked to speak to the supervisor. XXXX informed me it is the " bank policy to for ACH ( automatic clearing house ) deposit funds in savings account up to 5 days, and for checking account 1-3 days. She was adamant CapitalOne does not have the funds, the funds are in transit or limbo. She agreed with the previous agent that the funds would likely not be deposited in my savings account until XXXX XX/XX/XXXX because XXXX XX/XX/XXXX is the XXXX XXXX holiday. Does federal law allow banks to create their own policy? Is there not a government required time limit for banks to deposit funds they have received? The banks and government need improve the communication to depositors the funds transfer details and not place it in small printed or out of the way hyperlinks on webpages. With the speed of electronic communication there is an exception deposits will be make when the system indicates. A five day allowance for electronic fund transfer is egregious when the funds have already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
I disputed the accuracy of the XXXX XXXX XXXX XXXX tradeline with TransUnion and requested full validation including assignment/chain of title, bill of sale, signed agreement, and complete payment history. My letter was sent on XX/XX/year> and XX/XX/year> TransUnion has not provided validation or a proper reinvestigation under FCRA 1681i and 1681s-2 ( b ).

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 2025-11-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of unauthorized fraud. People impersonating a wells fargo employee contacted me about a fraudulent transaction via a 5 number text that asks if a charge was really done by me by answering Y for yes and N for no. Manipulating me they used my bank account and apple cash to send themselves money, cleaning out my bank account and maxing out my credit card. I reported this to them and they opened a claim that was later closed without returning any funds to my checking account BUT they did reverse the charge on the credit card account back leaving me at a XXXX dollar deficit in my checking account, so that when i got my paycheck that week of about XXXX dollars, i only saw about XXXX dollars of it because of the deficit left by their reversal. After calling them about this problem they proceeded to tell me that i can not get the money put back into my checking account because a scam is different than fraud, to which i replied that under regulation E if someone gains access to an account through deception and transfers funds without the account holders consent then that is an unauthorized electric funds transfer, it does not matter if i unknowingly gave them information, i did not authorize the actual transfer. i was then told that i do not know what i am talking about and they do and my interpretation of regulation E was flawed and was told they would not and are not at liberty to go into detail. Leaving me with practically no money in my checking account. To add to this it has been almost 2 weeks and i still have not received a written letter pertaining to their decision EVEN THOUGH they sent me a new debit card in the mail and changed my checking accounts.

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 2025-11-10 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: U.S. BANCORP
State: IL

Complaint narrative:
Hello CFPB, I am forwarding this message to explain the situation I am experiencing with U.S. Bank and to request assistance. 
My name is XXXX XXXX, and I am a full-time employee of the U.S. Department of State with excepted status, meaning I am required to continue working during the federal government shutdown. I have not received my paycheck since XX/XX/XXXX and am experiencing significant financial hardship as a result.

I contacted U.S. Bank by phone regarding my mortgage, and the only option they offered me was forbearance. This is insufficient because it negatively affects my credit and does not address my temporary loss of income.

I am requesting guidance or assistance in obtaining hardship relief appropriate for excepted federal employees, such as : Deferred mortgage payments without negative reporting Waiver of late fees or penalties Flexible repayment options until normal pay resumes Thank you for your time and support. 
Sincerely, XXXX XXXX

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