vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo fraudulently added payments to my mortgage without my knowledge. I know they have a suit against them for this.

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 2025-05-01 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An email was sent to me at XXXX on XX/XX/scrub>XXXX XXXX XXXX from XXXX reporting that I had a hard inquiry done on my credit. Following XXXXXXXX XXXX email, I received 3 emails from Capital One, also at XXXX on XXXX XXXX XXXX, that : 1 ) a phone number was updated on the fraudulent account to my personal phone number, 2 ) approval for a Capital One Venture Card with a credit limit of {$2000.00} on this fraudulent account, and 3 ) the fraudulent account changed from paper statements to paperless statements.

Following this, I contacted Capital One 's Credit program and alerted them of this fraudulent activity and requested them to open an investigation AND to close this account. I placed a freeze and fraud alert on my credit through XXXX XXXX XXXX XXXX 

I froze my current credit card accounts as well ( not including my auto loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX sent a letter stating that I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX  XXXX bankruptcy as accurate. Transunion replied stating that the information was no accurate and verified by the US bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. I responded to this on XXXX. Stating again I found inaccurate and incorrect on my file held by Transunion. Also, that I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ). Trans union stated that ( TransUnion File number XXXX ) this information was verified as accurate. I then sent another letter requesting TransUnion union provide me with any copy of viable evidence bearing my signature with XXXX XXXX XXXX XXXX IL. Additionally, asking and requested that TransUnion provide me with names address and phone number of each person from XXXX XXXX XXXX that verified this information. TransUnion did not provide that information. On XX/XX/XXXX I spoke with XXXX from Transunion Special handling dept who stated that this bankruptcy has been verified by a XXXX party. I then asked for the XXXX parties ' information in order to dispute with them and XXXX stated that Transunion does not have the information of the 3rd party who verified. I then asked then how it was verified if you do not have the 3rd party 's information. He then stated that the 3rd party sends TransUnion collected information and that TransUnion does not reach out to verify any information. Therefore, again the initial response verifying the item with the courts was either an error or a lie. This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ).

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 2025-04-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : ACCOUNTS : 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 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 XXXXXX/XX/XXXX ( REMOVE IMMEDIATELY ). 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
To whom may concern, I am writing to file a formal complaint against XXXX XXXX and TransUnion regarding the inconsistent and inaccurate reporting of my federal student loan serviced by XXXX ( Dept of EducationXXXX ). 



Recently, I noticed that XXXX has removed the XXXX loan accounts from my credit report after I disputed false late payment entries that were harming my credit. The accounts were deleted on XX/XX/2025, as shown in my XXXX credit report ( Report Number : XXXX ). This action confirms that XXXX found the reporting to be inaccurate. 



However, XXXX and TransUnion have not updated or removed these accounts, and they continue to report the same incorrect information, including false delinquencies and balances. This inconsistency is affecting my credit profile and financial opportunities unfairly. 



These loans are federal student loans and should be reported accurately and uniformly across all three major credit bureaus. The failure of XXXX and TransUnion to correct this inaccurate information after it was removed by XXXX  raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 and 611, which require accurate and consistent information across consumer reports.

I am requesting that the CFPB investigate this matter and require XXXX and TransUnion to : Remove any inaccurate or unverifiable information related to these XXXX student loans. 

Ensure that my credit reports reflect consistent and correct data across all three bureaus. 

Provide a written explanation for why the accounts remain on XXXX and TransUnion despite XXXX findings. 



Supporting documentation, including screenshots of all three credit reports, is attached for your reference. 



Thank you for your attention to this matter. I look forward to a prompt 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 2025-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom may concern, I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding the inconsistent and inaccurate reporting of my federal student loan serviced by XXXX XXXX XXXX XXXX XXXX ). 



Recently, I noticed that XXXX has removed the XXXX loan accounts from my credit report after I disputed false late payment entries that were harming my credit. The accounts were deleted on XX/XX/year>, as shown in my Experian credit report ( Report XXXX : XXXX ). This action confirms that XXXX found the reporting to be inaccurate. 



However, Equifax and XXXX  have not updated or removed these accounts, and they continue to report the same incorrect information, including false delinquencies and balances. This inconsistency is affecting my credit profile and financial opportunities unfairly. 



These loans are federal student loans and should be reported accurately and uniformly across all three major credit bureaus. The failure of Equifax and XXXX to correct this inaccurate information after it was removed by XXXX raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 and 611, which require accurate and consistent information across consumer reports. 



I am requesting that the CFPB investigate this matter and require Equifax and XXXX to : Remove any inaccurate or unverifiable information related to these XXXX student loans. 

Ensure that my credit reports reflect consistent and correct data across all three bureaus. 

Provide a written explanation for why the accounts remain on Equifax and XXXX despite XXXX findings. 



Supporting documentation, including screenshots of all three credit reports, is attached for your reference. 



Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom may concern, I am writing to file a formal complaint against Experian, XXXX XXXX XXXX regarding the inconsistent and inaccurate reporting of my federal student loan serviced by XXXX XXXX XXXX XXXX XXXX ). 



Recently, I noticed that Experian has removed the XXXX loan accounts from my credit report after I disputed false late payment entries that were harming my credit. The accounts were deleted on XX/XX/year>, as shown in my Experian credit report ( Report XXXX : XXXX ). This action confirms that Experian found the reporting to be inaccurate. 



However, XXXX XXXX XXXX have not updated or removed these accounts, and they continue to report the same incorrect information, including false delinquencies and balances. This inconsistency is affecting my credit profile and financial opportunities unfairly. 



These loans are federal student loans and should be reported accurately and uniformly across all three major credit bureaus. The failure of XXXX XXXX XXXX to correct this inaccurate information after it was removed by Experian raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 and 611, which require accurate and consistent information across consumer reports.

I am requesting that the CFPB investigate this matter and require Equifax and TransUnion to : Remove any inaccurate or unverifiable information related to these XXXX student loans. 

Ensure that my credit reports reflect consistent and correct data across all three bureaus. 

Provide a written explanation for why the accounts remain on XXXX XXXX XXXX despite Experians findings. 



Supporting documentation, including screenshots of all three credit reports, is attached for your reference. 



Thank you for your attention to this matter. I look forward to a prompt 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 2025-04-30 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: NC

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-30 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Subject : Ongoing Negative Credit Reporting Despite Consistent Payments Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : My name is XXXX XXXX XXXX, and I am writing to file a formal complaint regarding how my auto loan account with Credit Acceptance Corporation ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ) is being reported to the credit bureaus. 

Due to the financial impact of the COVID-19 pandemic, I fell behind on my car loan in XX/XX/year>. Despite this hardship, I have made continuous efforts to catch up and currently make weekly payments of {$170.00} or more. 

However, Credit Acceptance continues to report me as delinquent each month, as if I am not making any payments at all. This is deeply frustrating and unfair. I have reached out to Credit Acceptance to discuss options, but I was told that nothing can be done because the account is past its age. This response feels dismissive and fails to recognize the consistent payments Ive made for years. 

All I am asking is for Credit Acceptance to stop reporting me as late when I am clearly trying to do the right thing. The ongoing negative reporting makes it seem like Im not paying at all, which is damaging my credit and does not reflect my current efforts.

I respectfully request the following : 1. That Credit Acceptance re-age the account to reflect my recent payment history and stop reporting it as late each month.

2. That they provide a full payment history, showing how my payments have been applied.

3. That the CFPB review Credit Acceptances servicing and reporting practices, especially in cases where borrowers are actively paying but remain marked as delinquent indefinitely due to interest and aged debt. 

Thank you for your attention to this matter. I am simply asking for fair and accurate reporting that reflects the reality of my efforts. 

Sincerely, XXXX XXXX XXXX Account # XXXX XXXX XXXX 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
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
So there are 2 accounts that are showing in here. XXXX which is my credit card I filed a dispute and complaint because they never updated their system and even the card had a 0 % balance it reflected a 120 % usage with transunion when with XXXX and the other credit because was at 0 % but not with transunion so I disputed with them about the balance and filed a complaint and all they did was removed that card from their files which is affecting my credit score now because is not reflecting that account when is active and open .. this is giving me headaches and also affected my loan for my business and didnt get approved because of this major concern so now Ill be suing them. Also there is an account that was paid off and closed along time ago and is affecting me on late payments from years ago and that account has been settled, also another collection XXXX XXXX which that one shouldnt be on my credit report and I have desputed that with transunion and the same. This company is terrible

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