vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting this dispute statement for my credit report with Experian regarding the following charged-off accounts and inquiries. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX  XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$890.00} XXXX  XXXX - Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$48.00} XXXX XXXX - Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$370.00} XXXX  XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$9000.00} Inquiries : 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  - Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Open : XX/XX/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 2025-11-05 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: IN

Complaint narrative:
I am contacting the CFPB regarding TransUnions inaccurate reporting practices related to my credit file. I have identified several accounts that are outdated, duplicated, or unverifiable, as well as inquiries that were made without my authorization. I am actively rebuilding my credit and rely on accurate reporting to ensure fair access to financial products. 

Under FCRA 611, TransUnion is required to reinvestigate disputed information and remove or correct any data that can not be verified as accurate. I am requesting a detailed investigation and removal of all items that fail verification, along with written confirmation of the results. 

Accounts Reported as Charged Off ( Disputed ) XXXX Servicing # XXXX XX/XX/XXXX This account should no longer appear on my file as it is beyond the allowable reporting period. 

XXXX  XXXX # XXXX XX/XX/XXXX Charge-off details do not match creditor records. 

XXXX / XXXX # XXXX XX/XX/XXXX Unverified data and inconsistent payment reporting. 

XXXX XXXX # XXXX XX/XX/XXXX Requesting documentation of account ownership and charge-off status. 

XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX Potential duplication with another creditor entry; please verify. 

XXXX # XXXX XX/XX/XXXX Requesting validation of the reported charge-off. 

Unverified/Unauthorized Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am disputing the following accounts with TransUnion that contain discrepancies, including outdated reporting, missing payments, and unverified balances. Please investigate these discrepancies under the FCRA and update my report accordingly. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Account still listed as open with no balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Account marked as paid but still listed as open. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Discrepancy : Unverified account balance ; can not confirm debt ownership. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Discrepancy : Inaccurate reporting of payment history. 


Inquiries : TransUnion ( TU ) XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments & Positive Accounts : TransUnion ( TU ) XXXX 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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I obtained a car loan in XX/XX/year>. As I was setting up automatic payments on the loan I noticed my last name was incorrect. After further investigation it was determined that my new car loan was linked to an old profile with Wells Fargo that was closed over 10 years ago. I called them and was transferred to multiple people trying to correct my information. I was directed to go to one of their banking locations, I don't have a local banking location in the entire state of Missouri. So they asked me to send them a notarized letter of instruction along with a birth certificate, my divorce decree, my marriage certificate and a copy of my drivers licenses or passport. I work in the financial industry and mailing this kind of identifying information is a huge risk! I would never recommend a client mail this information, especially all together. I also don't understand why I'm having to provide all of this information because of an error they created. When I took out the loan I provided all of the necessary information to confirm my identity when I was approved for the loan. I can not help that they left an old profile open after I closed the accounts over 10 years ago and then linked it to the new loan. I know Wells has a history of shady business and not caring at all about their customers privacy, I should have known better than to do business with them. Unfortunately, here we are and they are asking me to risk my personal information to correct their mistake.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA Federal Savings Bank repeatedly places a full seven-business day hold on every large mobile check deposit I make, even though I have banked with them for decades, have an established account in good standing with perhaps two or three overdrafts in my history with them, and a long history of similar deposits of checks drawn on other reputable institutions ( e.g. XXXX XXXX XXXX XXXX ). 

I make large deposits of this type on a regular basis with zero occurrences of returned/bounced checks. Despite my consistent and positive account history, USAA continues to hold the entire amount of each deposit for seven business days rather than releasing the first {$5000.00} or a partial amount as required under Regulation CC 's large-deposit provisions. 

When I ask why, USAA 's customer service agents give only generic explanations and without identifying the specific Regulation CC exception that justifies a full hold. Moreover, the customer service agents refuse to escalate my case to either a supervisor with exception authority in this area. This suggests the bank is applying blanket holds instead of case-by-case risk assessments. I suspect USAA does this in order to defer their members ' payments on revolving credit and credit card offerings so that they might generate incremental interest income.

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 2025-11-05 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
From XXXX through XX/XX/XXXX, six monthly auto loan payments were successfully received, processed, and credited to my loan account, despite being mailed to an incorrect XXXX XXXX ( later confirmed to be for a separate company division ). This proves the company has an established internal procedure for redirecting these payments. 

My XX/XX/XXXX payment in the amount of {$270.00} was sent to the same XXXX XXXXXXXX and was cashed by the company on XX/XX/XXXX. However, the funds have never been credited to the auto loan account, causing the loan to appear delinquent. ( Evidence of the cashed check with the company 's endorsement is available. ) My XX/XX/XXXX payment was sent to the same incorrect address and, as of XX/XX/XXXX, has not been cashed or applied, indicating a continued failure in mail and payment processing. 

I have contacted the company multiple times via phone, chat, and message on XX/XX/XXXX, XX/XX/XXXX, and XXXX to resolve this. With no help. 

During recent calls, representatives were dismissive, offered no record of prior contact, and cut off communication. On one occasion, a representative abruptly hung up after I expressed frustration. A recent chat regarding an extension was terminated by the representative without providing clarification on the terms requested. 

The company is incorrectly stating the loan is two payments behind due to their processing error, and has denied a requested due date change based on this inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

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 2025-11-05 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 respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
The following accounts reported by Equifax contain discrepancies, including incomplete reporting, unverified accounts, and inaccurate balances. I respectfully request a thorough review and correction as per FCRA requirements. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Account reported as active without proper verification. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Discrepancy : Account shows balance but lacks proper verification of account ownership. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Account closed with no balance but still reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Discrepancy : Account history shows inconsistencies in payment reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Discrepancy : Account reported without verification of debt ownership. 


Inquiries : Equifax ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX Late Payments & Positive Accounts : Equifax ( XXXX ) XXXX XXXX, Account Number : XXXX LAKE XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
The account is showing on my credit twice. Its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
Subject : MOHELA Wrongfully Reported a Late Payment After Turning Off My Auto-Pay and Blocking Manual Payment Attempts Details of the issue : I am filing this complaint because MOHELA incorrectly reported a late payment on my student loan account. The late payment was not due to any fault of my own but to MOHELAs system errors. 
I had auto-pay enabled and active for my account, and I always maintained sufficient funds to cover my monthly payments. However, MOHELA turned off my auto-pay without my authorization or proper notice. As a result, my scheduled payment was not processed. 
When I realized this, I immediately attempted to make the payment manually through MOHELAs website and other available channels, but the system would not allow me to submit the payment. Despite these efforts, MOHELA later reported my account as late to the credit bureaus. 
This late payment was caused entirely by MOHELAs internal issues, not by any failure or negligence on my part. The false reporting has caused harm to my credit score and overall creditworthiness. 
Servicer name : MOHELA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Credit bureaus showing the error : [ XXXX XXXX XXXX  ] I contacted MOHELA to dispute the inaccurate reporting and provided proof that auto-pay had been active and that I had sufficient funds. However, the company has not corrected the issue, and the late payment remains on my credit reports. 
Desired resolution : I request that the CFPB investigate this issue and require MOHELA to : * Correct the inaccurate late payment on all credit bureau reports * Confirm in writing that my account is current and in good standing * Ensure that this type of auto-pay deactivation and payment blockage does not recur Attachments ( recommended ) : * Screenshot or document showing auto-pay was active before the missed payment * Bank statement showing sufficient funds were available * Proof or screenshots of failed manual payment attempts * Correspondence with MOHELA regarding this issue XXXX Credit report excerpt showing the false late payment Your contact information : * Full name : [ XXXX XXXX ] * XXXX XXXX [ XXXX XXXX XXXX ] * Phone : [ XXXX ] * Email : [ XXXX ]

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In the beginning of XXXX I was contacted by someone who said he was with the fraud department at Wells Fargp Bank. He said my account had been hacked and he would help me secure my account. He sent me a letter from the Federal Reserve with the official seal which looked authentic and stated that my money was secure. He told me I needed to open a " Dummy account to safeguard my account. I moved {$89000.00} in to this account. The next day I went to my local bank on XXXX XXXX and spoke with representative XXXX XXXX. She advised me to report this to the local police, the attorney general in NC and the FBI. I followed her advise and got report XXXX from the police department and case # XXXX from the federal reserve. 
I received an additional call from the supposed Fraud department at Wells Fargo stating that they could close the incident and secure my account if I sent a wire transfer to the Wells Fargo bank in XXXX XXXX XXXX to a beneficiary named XXXX XXXX. About XXXX hours later I realized that this could be fraud. I called the wire department at Wells Fargo and spoke with XXXX XXXX and asked him to stop payment on the transfer. He reported it as fraud and gave me a reference number of XXXX. I also sent an email to the bank manager of the Wells Fargo Bank in XXXX XXXX, XXXX and asked her not to transfer the funds. I called her the next day to make sure she had the email. 
Despite my swift efforts the Wells Fargo reprsentative did not act quickly and I was informed in a generic letter that the funds had been transferred and I had lost {$45000.00}. This experience has been distressing and raises concerns about the reaponsivness of stop payment measures in potentially fraudulent situations.

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 2025-11-05 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: NC

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 2025-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several companies have accessed my credit report without authorization, leading to direct harm to my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be eliminated. That assurance has not been honored these inquiries remain. This inaction is inexcusable. The ongoing inclusion of these potentially fraudulent entries is deeply disturbing and points strongly to possible identity theft. This unresolved matter continues to cause substantial emotional and financial distress.

Company response to consumer: Closed with explanation