vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
I requested that TransUnion update and delete some of my information from the credit report, however, they have failed to do so and continue damaging my report, so I am unable to get the loan or credit cards needed. 

I have disputed several items on my credit report, some of the disputes Transunion approved, but yet failed to remove or update them on my credit report. The items are as follows : XXXX XXXX XXXX XXXX {$0.00} owned and appears as a negative item TWICE on my credit report. Please remove it completely, as this was sold to another creditor. 
XXXX XXXX XXXXXXXX shows a {$5000.00} charged-off account ; the debtor to whom this account was sold wasn't able to validate the debt. I disputed this item on XX/XX/year>, and TransUnion denied my dispute and failed to update the correct info on my report. 
XXXX XXXX XXXX XXXX$3600.00} and {$2300.00} disputed on XX/XX/year>, disputed as the creditor sold the debt and was unable to validate it. Dispute results show as approved, but information on the credit report hasn't changed. 
XXXX XXXX XXXX 's collection account shows an outstanding balance Derogatory mark ( collection ) amount of {$510.00}, dispute submitted on XX/XX/year>, results approved, but no changes were made to my credit report. 
These are XXXX negative items that continue ruining my credit. According to the law, if the creditor is unable to validate the debt and I am disputing it, they can't report add it to the credit report. Taking into consideration all the above-mentioned, you must remove these items from my credit report. Please also update this information with other credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
XX/XX/year> Requested for extension on car loan. Lender denied request because of partial payments. Even in time when car needed repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an educational account opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX educational accounts opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, as I was trying to log into my bank account through the Wells Fargo website, the website took my user name and password and would not load my accounts, XXXX a window came up to put in my access code. When I received the access code in my phone I typed it into the the window provided but the accounts still wouldnt load, so I reset the page and tried it again as I did that I got a notification on my phone stating that I just approved a wire transfer of XXXX to a person by the name of XXXX XXXX with the XXXX XXXX bank account. I called my bank immediately to notify them that the transaction is fraudulent and to make Sure it doesnt get sent out, it was done within minutes of me receiving the text. I have been fighting the bank for reimbursement since them with at least for denied reimbursements. Please help my mortgage and family finances are on the line. Im going into debt to pay everything off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : MOHELA Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via MOHELA 's online portal XXXX including documentation confirming my full-time enrollment status. The portal validated receipt of these documents. However, MOHELA failed to acknowledge or process this application as required. This is evidenced by the absence of any follow-up in my MOHELA inbox history or account correspondence. 
Despite my timely deferment request and eligibility, MOHELA reported a XXXX delinquency on my student loan account to the credit bureaus on XX/XX/year>. This reporting is inaccurate and in violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and FCRA, which require accurate credit reporting and fair acknowledgment of disputes. 
I contacted MOHELA to dispute this error and requested they correct the record and notify the credit bureaus. However, no resolution has been provided to date. 
What I Want : Removal of the inaccurate delinquency from my credit report Written acknowledgment and explanation of the investigation Assurance that deferment processing systems are reviewed to prevent future issues This inaccurate reporting has negatively impacted my credit standing and caused undue stress. I am seeking the CFPB 's assistance to ensure MOHELA corrects this error and complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have been denied a mortgage due to a collection account that was initially with XXXX XXXX and shows it is with Credit Collection Services inaccurately reporting on my credit report with experian. 

This account was disputed and resolved in XX/XX/XXXX however, Credit collection services is still reporting that it is in dispute on the statement and it is being reflected to lenders as currently in disputed. I have not been able to get this corrected. I have tried to reach out several times with no luck and also can not seem to get a live person with Experian. This is a situation that should not even be happening as this dispute again was resolved in XX/XX/XXXX. It is now XX/XX/XXXX and it is being reported in accurately still. Credit collection Services continues to update my credit report monthly and continues to inaccurately report the status of his account. 

I have also tried to dispute this account again with Experianusing their online system but was unable to choose the appropriate reason because it says it has already been disputed before. 

Due to the inaccuracy of this, I have been denied a mortgage loan and it has been affecting my credit and putting me in substantial financial distress. I am requesting that this be deleted from my credit report immediately. 

I have attached photos showing that the dispute was updated in XX/XX/XXXX and another photo showing that the current statement from the creditor shows the account currently in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I did not authorize or open the accounts in question, and they do not belong to me. These fraudulent accounts have negatively impacted my credit standing, and I request their immediate removal from all records. I have reported the identity theft to the appropriate authorities and taken steps to protect my identity, including filing a police report and placing a fraud alert with the credit bureaus. Please investigate these accounts and correct my credit report accordingly. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OR

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have called XXXX XXXX XXXX multiple time about some one using my credit and putting inquiries on my credit profile and leaving bad debt and so one had got a phone in my name with XXXX and now the phone that was not paid was put on my consumer report and not I have a bad debt which is highly impacting my credit score on my credit and some one use my identity to obtain a car in my name I have called the credit bureaus multiple and still not heard back from them at all sent in letter to them and they still havent responded to any of my letters and it has been pass 60 days and I have a copy of those reports I mailed in about my date of birth being wrong in the system and the inquirys to be removed and they still havent responded to any later or any requests to remove those inquiries and bad debt off my credit even including miss payments which were not mine and which were not true and accurate and correct and since my dob is wrong how can yall leave them on there and continue to damage my credit and impacting me from obtain my own financial goals I want in my life right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called XXXX XXXX XXXX multiple time about some one using my credit and putting inquiries on my credit profile and leaving bad debt and so one had got a phone in my name with XXXX and now the phone that was not paid was put on my consumer report and not I have a bad debt which is highly impacting my credit score on my credit and some one use my identity to obtain a car in my name I have called the credit bureaus multiple and still not heard back from them at all sent in letter to them and they still havent responded to any of my letters and it has been pass 60 days and I have a copy of those reports I mailed in about my date of birth being wrong in the system and the inquirys to be removed and they still havent responded to any later or any requests to remove those inquiries and bad debt off my credit even including miss payments which were not mine and which were not true and accurate and correct and since my dob is wrong how can yall leave them on there and continue to damage my credit and impacting me from obtain my own financial goals I want in my life right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax is reporting a debt from XXXX on my credit report, account # XXXX. I have asked them to give me information proving the account is mines and every time I try to dispute they dont allow me to do so. They have an account on my file showing a default date before the account was even opened. The account isnt mines but they reporting inaccurate information also. 

XXXX. The opening date is reporting XXXX XXXX. The delinquent date is XXXX XXXX XXXX was it delinquent in XXXX, and opened in XXXX.. 
No proof of Validation of Debt, Original Contract letter has ever been sent from the Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
My personal information has been unlawfully used, and the listed accounts result from XXXX XXXX Under FCRA 605C ( 15 U.S.C. 1681c-3 ), I request the immediate blocking and removal of all adverse information related to this crime. Failure to comply violates my rights under federal law, and I demand immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Inaccurate Information and Unexplained Score Drops To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report maintained by Equifax and to express serious concern over the repeated, unexplained drops in my credit score. Despite having submitted disputes previously and identifying multiple discrepancies between your report and those from XXXX XXXX XXXX, these issues remain unresolved. 


There are several accounts and reporting details that are inconsistent across the three major credit bureaus. These inaccuracies include ( but may not be limited to ) : " XXXX XXXX '' and " XXXXXXXX XXXX '' which was Reinserted to my report without notifying me within 5 days furnishing my report without my permission. the discrepancies on Equifax differs from XXXX XXXX XXXX such as closing dates, opening dates, payment history, account status as well. Equifax isn't investigating properly, nor doing their job which is why they are currently being sued. I've sent in 11 disputes as of XX/XX/year>. I've sent them FTC reports, I requested a notice confirming they sent me notice before reinsertion of one of the accounts I spoke with a supervisor she stated It was sent out, and she apologized for the inconvienece which I never got, once again this is a violation according to the FCRA. 


These discrepancies are negatively impacting my credit score with Equifax in ways that are not reflected on the other two reports. These drops are unjustified, especially considering my consistent payment history and credit utilization. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation into the disputed items listed above. Please verify each account with the furnisher and correct any errors on your report. I have attached documentation to support my claims, including : I also request that you send me an updated copy of my credit report after your investigation is complete. If your investigation does not resolve these errors, and if necessary, seeking legal counsel. 


Please respond to this dispute within the 30-day timeframe required by the FCRA. I expect these issues to be addressed promptly and thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-10 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: TX

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 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