vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: ID

Complaint narrative:
I am disputing the ongoing inaccurate reporting of a XXXX ( XXXX ) credit card account ending in XXXX, as reflected on my TransUnion credit report. This account has been reported as charged off but continues to update monthly with new CO ( charge-off ) notations through XXXX, which is misleading and constitutes re-aging under the Fair Credit Reporting Act ( FCRA ). The original delinquency occurred in XX/XX/XXXX, and the account was closed XXXX, yet Experian, TransUnion, and XXXX  report inconsistent charge-off dates and balances into XXXX and XXXX. 

I previously submitted XXXX disputes with TransUnion ( most recently in XXXX ), citing the following issues : Ongoing monthly charge-off notations after account closure Inconsistent reporting dates ( XXXX, XXXX, XX/XX/XXXX ) Balance updates post-charge-off Utilization showing 146 % on a closed account Despite clear inconsistencies, TransUnion continues XXXX verify the information as accurate. 

I submitted a validation request to XXXX, asking for : A signed cardholder agreement or application A complete payment history Documentation of the original date of delinquency A written explanation of the ongoing monthly charge-off reporting In response, XXXX provided only Page XXXX of the application, XXXX recent statements, and a general cardmember agreement. They refused to provide additional documentation, citing proprietary information, and stated that the documents provided are sufficient to validate the debt. They did not address the charge-off re-aging or reporting discrepancies. 

Supporting screenshots attached include : CFPB complaint response from XXXX ( dated XX/XX/XXXX ) Screenshots of credit report entries froXXXX XXXX XXXX XXXXnd TransUnion Account history showing continued CO updates into XXXX Dispute history from TransUnion and letters sent for validation Experians reinvestigation findings showing inconsistent dates This failure to fully validate the debt or correct the derogatory reporting violates my rights under the FCRA and the FDCPA.

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 2025-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
Subject : False Escrow Disclosure TRID Violation and Federal Disclosure Fraud Complaint : Rhode Island Housing submitted a false federally required Closing Disclosure ( CD ) in connection with my mortgage loan closed on XX/XX/year>. 

The Closing XXXX ( Exhibit XXXX ) reported my initial escrow deposit as {$1200.00}. 
However, just XXXX days later, my first mortgage statement dated XX/XX/year> ( Exhibit XXXX ) shows that the actual escrow deposit was {$5100.00}. 

This {$3900.00} discrepancy constitutes a material violation of the TILA-RESPA Integrated Disclosure ( TRID ) Rule, specifically 12 C.F.R. 1026.19 ( f ). Federal law requires that the CD accurately reflect all actual charges and deposits known at the time of closing.

Rhode Island Housing 's own servicing records confirm they knew the accurate escrow amount at the time they issued the CD, proving this was intentional misrepresentation, not error.

This appears to be part of a systematic pattern of false federal reporting by RI Housing, including : * False IRS Form 1098 reporting attributing payments to borrowers that RI Housing actually made * False VA certifications regarding funding fee payment status * Document tampering including handwritten alterations to electronically signed legal documents The concealed {$3900.00} represents the exact amount of my VA funding fee, suggesting intentional hiding of improper fee collection practices that XXXX affect other veteran borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I acquired an auto loan from westlake financial. The company and I agreed upon a settlement for the vehicle I purchased. After the settlement was paid and I received the title the company ( westlake financial ) has the transaction listed on my credit report as a repossession. When I contacted the company about this matter I was told that my account is closed and there is nothing that they can do about the false information on me credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

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 2025-07-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On [ XX/XX/year> ], I deposited {$1700.00} into a Wells Fargo ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. However, the deposit was never credited to my account. The ATM accepted the cash, but the amount was not reflected in my account balance. 

I immediately raised a dispute claim that same night to report the missing funds. The claim was initially resolved within 10 days, and the deposit amount was temporarily credited to my account. 

Shockingly, after 45 days, the credited amount was reversed, and I was informed that the bank could not locate the cash in the ATM. I find this unacceptable, as I followed the correct procedure and reported the issue immediately after the incident. The ATM clearly accepted the money, and the failure to trace the funds raises concerns about the accuracy of the ATM reconciliation process.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my credit card account without providing any written notice or clear explanation, despite multiple follow-up calls to their customer service. 

Initially, I called on XX/XX/year> after noticing a restriction on the card. I was told the issue was due to missing information, but the representative did not clarify what was missing or how to resolve it. On Friday, XX/XX/year>, I called again and was told the restriction was because my account was past due. I was informed that once I paid the balance, the restriction would be lifted. I paid in full that same day. 

On Monday, XX/XX/year>, I called back and was informed the account had been closed and there was nothing further that could be done. I called again on XX/XX/XXXX to escalate the issue and requested a supervisor. The supervisor I spoke with confirmed the account was permanently closed and could not be reopened. He also stated he would email me a copy of the original letter for my records. I have not received this letter by email, nor is it available within my Capital One account. 

Ive had this card for a year and want to maintain it to help grow my credit age and history. I have made every effort to resolve this issue and prevent the closure by paying off the balance and following up multiple times. Ive done my due diligence to remedy the situation, but Capital One has not provided clear or consistent communication, and the closure has negatively impacted my credit profile. 

I am requesting a formal written explanation of the closure, a copy of the closure letter, and a review of whether the account can be reinstated or if the reporting can be amended due to the mishandling of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXXXXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX ACC # XXXX BALANCE XXXX ACC XXXX  BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report immediately Experian Account Name : XXXXXXXX XXXXk XXXX Account info Account number : XXXX Open/closed : Open Date Opened : XX/XX/year> Experian Account Name : XXXXXXXX XXXX  Balance : {$3800.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} Account XXXX Account XXXX Open/closed : Open Date Opened:XXXX Equifax Account Name : XXXXXXXX XXXX XXXX  Balance : {$3400.00} Account info Account number : XXXX Open/closed : Open Date XXXX Equifax Account Name : XXXX XXXX XXXX XXXX XXXX : {$17000.00} Account info Account XXXX Open/closed : Open Date 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 2025-07-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-25 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  account number : 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 non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TN

Complaint narrative:
We received a call from XXXX claiming they were Citicard and telling us that fraudulent charges had been made to our account. I looked up the number online to learn that they were listed as a collection agency. When they started asking too many personal questions I called Citicard and had our credit cards cancelled. I also called our bank so that they could put a warning on our account.

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 2025-07-25 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: NE

Complaint narrative:
I am filing this complaint regarding a fraudulent account that was reported to my credit by XXXX XXXX XXXX. I did not apply for, authorize, or initiate any form of financing or agreement with this company. Approximately a month ago, I noticed this unfamiliar account on my credit report and disputed it. The account was subsequently removed. 

However, today XX/XX/year> I received an email from XXXX XXXX XXXX stating that they have verified the account and are now claiming it is accurate. This is absolutely false and deeply concerning. I have not contacted XXXX XXXX XXXX at all this month, and any communication they claim to have received from me is fraudulent. I did not authorize or sign any documents, nor did I initiate any purchase. 

They have provided a copy of a so-called signed agreement however, the signature and initials shown are not mine. They do not match my legal signature or writing style in any way. I have previously provided my government-issued ID and my lease documents, both of which show how I sign and initial documents. The signature on their form is clearly forged. 

This situation has caused me emotional distress, and it continues to impact my credit and personal safety. I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to remove this fraudulent account from my credit file permanently, as well as provide proof of who opened the account and when.

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 2025-07-25 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: NE

Complaint narrative:
I am filing this complaint regarding a fraudulent account that was reported to my credit by XXXX XXXX XXXX. I did not apply for, authorize, or initiate any form of financing or agreement with this company. Approximately a month ago, I noticed this unfamiliar account on my credit report and disputed it. The account was subsequently removed. 

However, today XX/XX/year> I received an email from XXXX XXXX XXXX stating that they have verified the account and are now claiming it is accurate. This is absolutely false and deeply concerning. I have not contacted XXXX XXXX XXXX at all this month, and any communication they claim to have received from me is fraudulent. I did not authorize or sign any documents, nor did I initiate any purchase. 

They have provided a copy of a so-called signed agreement however, the signature and initials shown are not mine. They do not match my legal signature or writing style in any way. I have previously provided my government-issued ID and my lease documents, both of which show how I sign and initial documents. The signature on their form is clearly forged. 

This situation has caused me emotional distress, and it continues to impact my credit and personal safety. I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to remove this fraudulent account from my credit file permanently, as well as provide proof of who opened the account and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

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 2025-07-25 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 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: SC

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 four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief