vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am submitting this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Milestone Mastercard ). My account ending in XXXX became delinquent during a verified hardship period in XXXX. 
Between XX/XX/year> and XX/XX/year>, I filed several hardship benefit requests under Milestone XXXX XXXX ( benefit numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). Every request was denied, despite providing evidence of financial hardship, including unemployment and natural disaster-related impacts. 
I subsequently paid the account in full and brought it to a {$0.00} balance. However, the creditor continues to report the account as XXXX  days late, which has substantially damaged my credit score and jeopardized my upcoming mortgage qualification. 
I am not disputing the payment history itself but requesting a goodwill or hardship-based correction to remove the derogatory late-payment reporting in recognition of my efforts to resolve the debt responsibly. 
Attached are screenshots and documentation of each denied hardship claim. I respectfully request that XXXX XXXX XXXX XXXX update my account to reflect Paid as Agreed or remove the delinquency, as allowed under FCRA 623 ( a ) ( 2 ) when a furnisher receives additional information supporting a consumers position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
called XXXX XXXX  and tried to get a 1099 for charge off of the amount of XXXX then was transferred to third party collection agency and would not give me any information nor did i give the original creditor the approval to share my information

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good morning, I recently opened an account with wells Fargo, but after I received my deposit, I had received an email stating they are closing my account. I have called, and gone in there, but they are telling me that I won't be able to access my funds. I have thousands of dollars in my account, I have two checking, and one savings account, and I need my money for my bills .. please get back to me as soon as possible, I am unable to use my card, and I am not able to withdraw anything from my account. Please fix that for me. Thank you. 
I have {$1500.00}, in my checking account ending in XXXX, {$5400.00} in my account ending in XXXX, and I have {$3100.00} in my savings account ending in XXXX. This is Wells Fargo.

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 2025-11-06 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: NM

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-06 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: NM

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed through my credit bureau for debt collection with no knowledge of this account also reported this account involved in litigation / identity fraud or someone with similar name and they are impacting my credit score and threatening to damage my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I ordered a cashiers check and it was delivered to XXXX, where I spend half my time. The check was routed to the XXXX XXXX. My boyfriend had me on the phone and I approved him picking it up from there. It was then mailed to me. At that point it was lost in the mail and I reported it lost. That day the check was put on hold and my understanding was that regardless of my filing of the affidavit I would receive a refund after the 90 day waiting period. That date was XX/XX/XXXX. In the meantime the check arrived at my house, so I called to ask for direction on what to do. I was told to either void the physical check and send it in and pay XXXX dollars to have the money put back in, or just file the affidavit and the money would be deposited. So I filed the affidavit on the XXXX of XXXX. I called on XX/XX/XXXX and they confirmed receipt of the affidavit and the fact that my funds shouldve been returned and they stated they sent an email to the reimbursement department and asked me to call back on Tuesday XX/XX/XXXX. At that time I was told there was no movement on the case and the supervisor I spoke to that day said shed send another message and mark it urgent. On XX/XX/XXXX I received an email asking me to fill out another affidavit. I called on XX/XX/XXXX and was told there was no confirmation of receipt of the affidavit. So they want me to file another. Which costs money every time, and when I asked to speak with another department or someone who had the authority to release the funds to me, I was told there is no one else and the only course of action is to fill out another affidavit and send it in. Faxing that costs money, mailing it takes too much time, and there is no way to ask for additional help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 filing this complaint because the company continues reporting inaccurate and unverifiable information on my credit report. 

The account in question is XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ), originally opened around XX/XX/year>, reported as Collection/Charge-off but showing a {$0.00} balance, Paid status, and inconsistent reporting dates across XXXX, Experian, and Equifax. 

This reporting is misleading and damaging because it shows a paid collection as still derogatory, even though the debt is {$0.00} and closed.

According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting a paid or closed collection as derogatory violates this section.

Additionally, under 15 U.S.C. 1681i ( a ), I have the right to a reinvestigation when information is disputed. I already disputed this item with the credit bureaus, but no verifiable documentation has been provided to substantiate the alleged debt, nor have the agencies corrected the record.

I request that the CFPB require the credit bureaus and the furnisher to : Provide full verification and documentation of the alleged account ( signed contract, payment records, etc. ) ; or Delete the account entirely if it can not be verified with proper evidence under the Fair Credit Reporting Act ( FCRA ).

The account should be corrected to reflect Paid as Agreed, Never Late ( PAANL ), or be removed from all credit reports if unverifiable.

Thank you for your assistance in ensuring compliance with the FCRA and protection of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lending Force, LLC
State: MI

Complaint narrative:
Did a refinance close thru Lending Force with - XXXX XXXX XXXX. 
Closed XX/XX/year> My first people came after I requested a paper copy of my loan 3 times. XXXX old ( have trouble reading copy on phone ) never received Second- I told them if points where involved I did not want loan twice, he said no. Today I printed copy of my loan and points are there!! Is this legal XXXX - ( why I printed out loan ) they have been telling me XXXX months my {$620.00} appraisal free was being refunded. Still havent received it. Its always in the mail XXXX- this company has done nothing but lie and deceive me!! Totally upset!! 
Today sent message to XXXX They responded I have been misinformed they know nothing. After lending force told me to contact them Im at a lost please help? Everything about this loan is wrong, shame on Lending Force

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-06 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:
Ive disputed this account numerous of times with both Experian and Equifax. Ive already provided proof of my identity. They continue to verify this an accurate late payments, and fraudulent account XXXX XXXX XXXX using there E Oscar service tied to address, Ive never resided at. They refuse to update my personal information which they have wrong on their file this causing me financial problems ive submitted numerous CFPB complaint better business complaints and nothing has been resolved. They continue to send me stall letters. instead of taking action and removing this account, this is my seventh time disputing this account my next step filing a civil lawsuit For damages

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 2025-11-06 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-06 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-06 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I disputed a {$470.00} XXXX charge I did not authorize or make on my Apple Card. Goldman Sachs denied my dispute twice but refuses to provide the merchant documentation used in the decision. Ive repeatedly requested this evidence, and Apple Support now says I must wait 7 business days for information they already have. A support rep even stated there was not enough evidence to sustain the claim for your side, implying a decision was made without transparency. This violates my right under the Fair Credit Billing Act to access evidence related to a dispute. I want the merchant documentation and the dispute reopened for fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that multiple accounts continue to be reported inaccurately and remain unverified, even after several previous disputes. These include accounts from 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 Each furnisher has failed to provide validation or documentation supporting the accuracy of the information being reported. Despite this, the credit bureaus have continued to verify these accounts without providing proof of investigation or confirmation of how they were verified. 

For example, XXXX XXXX XXXX  and XXXX XXXX  are reporting charge-offs with ongoing past-due balances, which is inaccurate and misleading. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting collection accounts without producing any proof of ownership, assignment, or debt validation, violating the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). XXXX XXXX and XXXX XXXX XXXX have reported conflicting dates and amounts without any original billing records. Additionally, several unauthorized credit inquiries from XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX were made without my consent or permissible purpose, violating FCRA 604 ( a ) ( 2 ). 

I have submitted multiple dispute letters to each credit bureau since early XXXX, yet they have continued to verify these items without providing supporting documentation or any description of their investigation methods. This is a direct violation of FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ). These ongoing errors have damaged my credit and caused unnecessary financial harm.

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