vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
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  To : Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Foreclosure Remark Select Portfolio Mortgage ( Acct : XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate reporting on my Experian and TransUnion credit reports concerning my XXXX XXXX XXXX mortgage account, listed under account number XXXX. The account is inaccurately marked as Foreclosed/Never Late, which is factually incorrect and damaging. 
This mortgage was paid in full on XX/XX/XXXX, as the property was sold and the outstanding balance satisfied. There was no foreclosure proceeding, and at no point was the loan in default or delinquency. Reporting this account as foreclosed is materially false and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i Right to dispute inaccurate or incomplete information and have it corrected or deleted after reinvestigation ; 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy in consumer reporting ; 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance with the FCRA. 
This reporting inaccuracy is not only misleading but also has a harmful impact on my creditworthiness. I am requesting an immediate permanent deletion of the Foreclosure remark and correction of this account to accurately reflect its paid-in-full and closed status. 
Please complete a reinvestigation pursuant to FCRA 1681i and provide written confirmation that the foreclosure remark has been removed. If you require documentation of the sale or payoff, I am happy to provide it. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-18 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent 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/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 explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I have been sending complaints and letters to TransUnion regarding a fraudulent account on my credit report, and they have yet to delete this account. I now have a letter from the original credit card company stating that this account was sold to XXXX XXXX XXXX XXXX, and they are not investigating any further. Why is TransUnion not deleting this account? I need you guys to delete this account immediately. 

XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
Toyota Financial Services made it nearly impossible for the dealership at which I traded the vehicle, to pay off my trade-in, which was leased. The dealership, XXXX XXXX XXXX XXXX, was also less than helpful as I repeatedly attempted to resolve the situation, as they would not follow up with TFS. It took them 3 months to get TFS to take the payoff check, during which time I continued making the lease payments on the traded vehicle. Once TFS did finally accept the payoff, they refunded me the payments I had made during the XXXX  months after the vehicle was traded. After they refunded me the payments, they then reported to the credit bureaus that my payments were XXXX  days late. The vehicle was traded in XX/XX/XXXX. They reported the payments were late in XX/XX/XXXX. When I called them about this, with my payment history clearly showing no late payments on the account, I was told I could file a complaint with the credit department. I should not have to file a complaint, as there is nothing showing as late on the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Investigation and Removal of Unauthorized or Inaccurate Inquiries Dear Equifax XXXX XXXX recently obtained a copy of my Equifax credit report, and I am writing to formally dispute the following inquiries, which I believe are either unauthorized, inaccurate, or unverifiable. 

The following items must be investigated under the Fair Credit Reporting Act ( FCRA ), and any unverifiable or inaccurate information must be deleted from my credit file : XXXX. XXXX XXXX XX/XX/XXXX XXXX do not recognize this lender, and I do not recall authorizing this hard inquiry. 
XXXX. XXXX XXXX / XXXX XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please verify the exact date with proper documentation, or remove it. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX The Account in Dispute remark is missing or incorrectly reported. Please correct or remove this inquiry if it can not be properly verified. 
XXXX. XXXX XXXX / XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please provide proof of the correct date, or remove it. 
XXXX. XXXX XXXX via XXXX XX/XX/XXXX I do not recognize this lender, and I did not authorize this hard inquiry. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation of these disputed items. If you are unable to verify these inquiries with proper documentation from the creditors, you are required by law to delete them from my credit report. 

Additionally, I am requesting a complete reinvestigation ( credit sweep ) of my entire credit file to ensure that all other inaccurate, outdated, or unverifiable information is removed in compliance with the FCRA. 

Please provide me with the results of your reinvestigation in writing within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This is in regarding to my Best Buy XXXX account managed by Citibank and my failed attempt to obtain a list of fees applicable to my account on XXXX, XXXX, XXXX  I wanted to understand what fees are applicable to my account. Upon logging into the website, NOTHING was available that listed the fees applicable to my account. 

I called customer service and the initial representative was unable to provide any information, so I asked to have the all escalated. I reached a XXXX ( XXXX ) who looked and, also, was unable to find or provide the list of fees that apply to my account. 

It is unconscionable and I believe it is violation of federal law for Citibank to provide a credit card and not be able to describe the fees they may charge for that card.

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 2025-07-18 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: GA

Complaint narrative:
Hello, I have had an automatic payment taken out of my account for years by XXXX. Apparently, they changed Mohella a few months ago without telling me and now it has impacted my credit score because they are saying my payment is past due when I tonight it was being taken out all along.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-07-18 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/year>, I received a promotional email from American Express offering a {$350.00} bonus if I opened a new high-yield savings account and deposited at least {$25000.00} for XXXX  days. The email was personalized with my name and the last XXXX digits of my existing AMEX credit card, and it included a button labeled Open Account Today. I clicked the button, opened the account, and deposited {$25000.00} once the account was approved. 

As of today ( XX/XX/year> ), I still have not received the bonus. 

I contacted AMEX customer service and explained the situation. After asking me if I had changed my password or experienced a timeout during account setup ( which I dont recall ), the representative escalated the case for review. Later that same day, I received a call back saying the bonus would not be honored because, according to them, I didnt follow the correct link and opened the account directly. 

I strongly disagree with this. I would not have known about the promo or how to open this specific savings account without the AMEX email and link. Its possible that a timeout or redirect occurred during account creation, but I initiated the process directly from the promotional email. To now be told that theres no bonus after XXXX months and a large deposit feels misleading and unfair. 

This promotion was a major factor in my decision to move {$25000.00} to AMEX. I believe I met the spirit and letter of the offer and AMEX is now looking for a technicality to avoid paying the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have tried transferring {$1500.00} from my wells fargo to bank XXXX XXXX account, i.e. transfer between my own accounts in XXXX banks. Wells Fargo is not allowing to make the transfer via online or mobile or any other means of banking. Every time they are saying my mobile number is not verified hence transfer can not be completed. However, I have enrolled in mobile banking and I receive text alerts if something happens to my account. 
I have tried raising complaint but no response from Wells Fargo. Please look into this and do the needful ASAP. 
Regards 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