vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: MI

Complaint narrative:
Whom It May Concern, I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized 2017 data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within XXXX ( XXXX ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the XXXX  breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences. This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased.

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 2025-04-01 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a credit card from wells Fargo that has been used by a company named XXXX without my consent. I got approved for the credit card in 2021 with the purpose to help out my son with some expenses. At that time he was living in XXXX and had an app on his phone named XXXX. Every time when he needed some financial help he used that app, pressed add money. I received a code, I gave it to him and thats how he got the amount he needed. Almost like an online purchase I would say. The problems started when that platform XXXX started to take out money from my credit card without my knowledge or permission. My credit limit was {$26.00} and the amount of money that was spent on my son was approximately {$5000.00}, that Ive already paid back. They went {$10.00} above my credit limit and Wells Fargo did nothing about it until I noticed and called them asking what is happening. At that point they frozen my account saying I have to pay everything, because according to them was nothing wrong with it and I authorized those transactions which is not true. I asked wells Fargo to send me the codes that showed that and they didnt do it. I did pay for a while my monthly bills not wanted to have my credit score ruined, but I couldnt fight them anymore, after multiple complaints they were keep trying to make me pay for something that I didnt get. My bank statements shows the weird pattern used by XXXX taking out the money. I also have my sons statements bank that shows the amount is not in his account. I desperately need help with this process please. I do not have a XXXX account therefore I dont have any information about it. The documents attached are only part of my bank statements that shows the fraud that occurred on my credit card account. If someone can look into this please they can see all of it. I also have to let you know because I do not have any income right now I might have to move out to XXXX where I was born, if I cant find a job and live here at home in California.

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 2025-04-01 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal credit union have not sent in a reinsertion form to XXXX. I have been pleading with them to reopen this account because it not closed and they refuse to do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NE

Complaint narrative:
My personal information was exposed in a data breach. These items do not belong to me and i have never done business with any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXXXXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One did not offer direct financial relief to me during the COVID-19 pandemic, although they were a financial institution that did have relief options. While Capital One did implement measures such as payment deferrals, fee waivers, and hardship programs for those impacted by the pandemic, I contacted the company several times and was denied for such relief. Working at a store distribution company during the period of store closings and a decline in consumer purchases was a challenging experience. Due to these factors, the company had to cut hours, which affected both the workload and income for employees. The decrease in consumer demand and temporary closures of retail locations led to a reduction in the overall volume of products being distributed. This resulted in fewer hours for staff, and many of us had to adapt to a more unpredictable work schedule. Despite the challenges, I tried to keep my life on track and continue paying off my debt, but the income simply wasn't enough. As late fees and minimum payments began to pile up, I found myself unable to escape the financial strain that COVID-19 had caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I did not give this company permission to inquire my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My home flooded on XX/XX/year> during XXXX XXXX. I received my first insurance check in XXXX for {$68000.00}. I signed it and sent it to my mortgage company, Mr. Cooper. They in turn sent me {$40000.00}. The tear out of my home cost {$25000.00} and the rebuild is approximately {$95000.00} ( For a total of $ XXXX ). My XXXX got the tear out done and started the rebuild but quickly needed more money since the initial disbursement left them with only {$15000.00} to work with. I asked Mr. Cooper for the balance. They wanted to do an inspection. They did the inspection and deemed I was only allowed to have {$14000.00} of the remaining {$28000.00} because the project wasn't 75 % done ( they wanted the floors and cabinets in ). Then I was told they wouldn't give me the balance until the project was 100 % done. How can it get done when YOU have my money???? I explained ( again ) that the cost of the project is far more than the {$68000.00} and there was another check from the insurance company coming and in order to keep this job moving along ( so I could move back in my home ) I needed to keep paying my general contractor. They denied giving me more money regardless what i said. I kept asking and they finally requested a signed contract with my GC. I provided it. Then they asked for my adjuster 's contact info to confirm another check was coming. I provided it. Then they decided to deny me again stating they needed the supplemental check amount, which we did not have because costs were increasing due to unforeseen problems with my slab. I called again and asked for the remainder of the money so I could pay my contractor. They said they needed to do another inspection. I was asked to provided pictures of the flooring and cabinets and each room. I did just that and submitted them. Mind you, this was only completed because I finally paid them out of my own pocket to keep the job moving along. The next day they denied me AGAIN! Stating they needed pictures of the inside of my garage and spare bedroom closets. This is absolutely ridiculous. I have provided everything they have asked for. I have been out of my home almost SIX months and they will not give me the remaining $ XXXX from the first check that was issued FOUR months ago but expect a {$120000.00} job to get done with {$54000.00}. I cringe at the thought of what is going to happen when they get my supplemental check. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account number : XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681i ( S ) ( 2 ) ( A ), furnishers must report accurate information under 15 U.S.C. 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
DOGE is illegally accessing my private data through the department of education. I feel as if my loans have been handled illegally and should not be controlled by the SBA as i signed a contract for my loans through the department of education and this is a direct breech in my contract which should lead to the loans being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 filing this escalated complaint due to willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency/agencies named in this complaint. I have disputed multiple inaccurate, inconsistent, and incomplete accounts on my credit report for over a year, with no resolution, no proper reinvestigation, and no deletion of clearly erroneous data.

I have submitted formal written disputes as allowed under FCRA 611, yet the information remains on my report in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires that all furnished data be accurate and complete. In several cases, the same accounts are reporting inconsistent statuses, different dates of last activity, mismatched account types, and errors across TransUnion, Equifax, and Experian. This is not only negligent it is unlawful.

I have also filed with IdentityTheft.gov, provided supporting documentation, and notified the bureaus of these inaccuracies. Despite that, they have failed to correct or delete the information in violation of FCRA 623 ( a ) ( 2 ) and have continued to report disputed items as resolved without proper justification or documentation violating FCRA 623 ( b ). 

I am now experiencing direct financial harm as a result of this willful noncompliance, including denial of credit, inability to purchase a vehicle, and damage to my credit profile. I am demanding immediate and permanent deletion of the accounts outlined in my dispute history, not correction. 

This is my final attempt to resolve this through the CFPB before pursuing legal action for actual and statutory damages under FCRA 616 and 617. I expect a full investigation and immediate enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I applied for an XXXX XXXX  loan through City National Bank ( a subsidiary of XXXX I believe ). I have a fantastic background to obtain this loan, including good credit history, no bankruptcies or judgments ( ever ), a good net worth backed by XXXX properties and hardly any debt. I should have been a shoe-in and they agreed until they did a background check and found a totally unrelated criminal conviction from 21 years ago. 

I submitted a letter of explanation for it, detailing why it was never relevant and how I've given every indication of creditworthiness since. But it was just a formality and they denied my load as soon as they received the XXXX. XXXX XXXX, the person with whom I was working, told me that they have a " blanket policy against lending to anyone with a criminal record, ever '' and that " that is the case with every bank so you probably can't get funding. '' I replied that that doesn't sound right and can't possibly be legal, but she affirmed that it is a blanket policy and there is no changing that. 

I asked her if she was going to send me an official rejection letter with the reasons for denial and she replied she would. She still hasn't, even after 10 days past the rejection. 

Having a blanket policy against lending to anyone with a criminal record is pretty obviously illegal at least for its disparate impact on minorities, who disproportionately have a higher percentage of criminal records. But it also has a disparate impact on those over the age of XXXX ( another protected class ). The older a person gets, the more chance they are going to have been convicted of a criminal offense sometime in their lifetime. 

In fact, illegal discrimination is the ONLY reason for having a blanket policy like that. Nothing in my background, including this offense, says I'm not creditworthy, and on the contrary I'm very creditworthy as they noted before they found out about this conviction

Company response to consumer: Closed with explanation