vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
In XX/XX/year>, the XXXX XXXX XXXX account was deleted from all three credit bureaus after I filed identity-theft disputes with supporting documentation. 

In late XX/XX/year>, TransUnion reinserted the same tradeline without providing any written notice or certification from the furnisher, as required under FCRA 611 ( a ) ( 5 ) ( B ). No letter or email was received within the five-day window. 

This reinsertion caused my TransUnion score to drop about XXXX points, while XXXX  and XXXX  confirmed the account remained deleted. 

I contacted TransUnion and requested documentation showing who authorized the reinsertion and proof of compliance with the required notice provision, but no information was provided. 

I am requesting that the CFPB direct TransUnion to permanently delete the reinserted XXXX XXXX  account, provide written certification of when and by whom it was reinserted, and confirm that TransUnion will comply with FCRA 611 ( a ) ( 5 ) ( B ) going forward.

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 2025-11-07 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One unilaterally replaced my fully functional XXXX debit card with a XXXX card that I did not request, authorize, or consent to. My original card was working perfectly on every service I use dozens of accounts, billers, and platforms that now require me to manually update payment information because of their internal network switch. 

When I called, I was told my XXXX will be automatically deactivated 120 days after issuance of the new card, even though it hasnt expired. I was also told this change is not optional and that no one not even a supervisor can prevent the old card from being killed. 

Capital One unilaterally replaced my fully functional XXXX debit card with a XXXX card that I did not request, authorize, or consent to. My original card was working perfectly on every platform, biller, and service I use dozens of accounts that now have to be manually updated because of Capital Ones internal network switch. 

When I called customer service, I was told my Mastercard would be automatically deactivated 120 days after the new card was issued, even though it has not expired. I asked to keep using my Mastercard, and the representative confirmed this was not possible. I then escalated to a manager, who repeated that nothing can be done to stop the forced deactivation. When I asked for a written statement confirming this policy, they refused and ended the call, leaving me completely stranded and forced to deal with the fallout alone. 

This is a serious and unnecessary disruption to my finances. I never opted into XXXX debit network, nor did I request any new card. This change provides XXXX benefit to me as a customer and was implemented entirely for Capital Ones convenience. I am now being forced to waste hours updating every linked payment method and risk failed payments and late fees if I miss any. 

Additionally, I believe this mass reissue without customer consent constitutes a deceptive and unfair practice under Regulation XXXX and the Consumer Financial Protection Act. Capital One is effectively disabling an active and valid access device, forcing customers into a new network, and refusing to provide documentation when asked. This conduct obstructs my ability to access my funds seamlessly and creates unnecessary risk of service interruption. 

I am demanding that Capital One either ( a ) reinstate or reissue my Mastercard debit card until its printed expiration date, or ( b ) provide compensation and documented acknowledgment for the disruption, stress, and administrative burden caused by this forced change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-07 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: MD

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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/year> Portfolio recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Dear portfolio recovery I am formally requesting that you issue a XXXX form for the cancellation of debt associated with the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please be advised that if I do not receive the requested XXXX in a timely manner, and or deleted off my credit report. I am prepared to pursue legal action. I hope we can resolve this matter amicably and promptly. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper does a mortgage analyst in XXXX of each year and disregard the mortgage payments of XXXX and XXXX. It also holds XXXX times the escrow amount and then claim there is a shortage and adds the Fabricated shortage to my next year 's mortgage. Also I have paid the home owners insurance only to find that even with me paying the home owners insurance separately, My mortgage seems to increase every year. This company scams it's customers into over paying. Can you please assist with this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
This is a complaint to document fraud by Wells Fargo to cover up complaint XXXX WellsFargo is aware and negligently pushing through fraud claims without proper documentation to automatically deny fraud claims. ( Probably promoting less pay-outs ) I have uploaded the proper documentation in person twice and online 3 times. Wells Fargo consistently pushes through invalid documents to deny claims. They have a glitch in their imaging department, confirmed by their backend executives. They can not fix it, so they learned to automatically deny the claims. They create XXXX hour to 10 business day time windows to fetch scanned and emailed documents, creating financial hardship and duress, hoping customers drop the claims. 

They are refusing to attach the proper documentation to my fraud claim to XXXX so it gets automatically denied. 

Their document and imaging process requires documents to be : In XXXX  Format - Branch representative at XXXX XXXX XXXX XXXX XXXX, CA XXXX confrimed documents meet requirements. 
XXXX confirmation receipts from XXXX Reference number in the subject - Branch representative at XXXX XXXX XXXX XXXX XXXX, CA XXXX confirmed documents meet requirements. 
XXXX confirmation receipts from XXXX Name of Company : ( On pages XXXX and XXXX of attached documents ) Branch representative at XXXX XXXX XXXX XXXX XXXX, CA XXXX confirmed documents meet requirements. 
XXXX confirmation receipts from XXXX Authorized amount : Branch representative at XXXX XXXX XXXX XXXX XXXX, CA XXXX confirmed documents meet requirements. 
XXXX confirmation receipts from XXXX All are attached to this complaint.

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 2025-11-07 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: 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 non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because Rocket Mortgage placed a hard inquiry on my XXXX  and XXXX  credit reports dated XX/XX/year>, without my authorization or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

I have never applied for credit, mortgage pre-approval, or any financial product with Rocket Mortgage on or around that date. This inquiry was made without my consent or knowledge and constitutes a violation of FCRA 604 ( a ) ( 2 ) and 607 ( a ), which restrict credit inquiries to those made with the consumers explicit authorization or a legitimate business purpose.

An unauthorized inquiry negatively impacts my credit score and creditworthiness. I have reached out to Rocket Mortgage but have not received proper verification or removal of the inquiry. 

I am demanding that Rocket Mortgage : Immediately remove this unauthorized inquiry from both XXXX  and XXXX  credit reports Provide written confirmation that the inquiry has been deleted and that no unauthorized credit application exists in my name Rocket Mortgages conduct constitutes a willful violation of my consumer rights under the FCRA and has caused measurable harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. 
I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. 
I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Rent Recovery Solutions is attempting to collect or has reported an alleged debt without providing proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

After I received their initial communication, I sent a written request for debt validation, including an itemized accounting of the alleged amount and documentation showing that I am legally obligated to pay. Despite this request, Rent Recovery Solutions has failed to provide any validation or an itemized list showing how the balance was calculated. 

They have continued to pursue collection and/or report the account to credit bureaus without providing verification, which is a violation of my rights under the FDCPA. 

This lack of response prevents me from determining whether this debt is valid, accurate, or even belongs to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
Dear Equifax, I am writing to dispute the following accounts on my credit report. I request that you investigate these items and correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payment : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding several inaccurate and unauthorized items that are appearing on my credit reports. Despite my efforts to maintain accurate and up-to-date information, my credit file reflects serious errors that are damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following items are incorrect and must be investigated immediately : XXXX. Wrong Addresses Reported : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not mine and I have no connection to them. The credit bureaus are reporting false location information, which suggests a serious lapse in their verification process. 

XXXX. Inaccurate Account and Payment Reporting : XXXX XXXX ( XXXXXXXX XXXX XXXX ) High Balance : {$240.00}, Date Opened : XX/XX/XXXX Reported as Late Payment This reporting is false. I have never made a late payment on this account. The payment history must be corrected immediately to accurately reflect my on-time record. 

XXXX. Unauthorized Collection Accounts ( No Knowledge of These Accounts ) : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) High Balance : {$210.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ) High Balance : {$4400.00}, Date Opened : XX/XX/XXXX I have no knowledge or association with these accounts. I have never opened, authorized, or conducted business with these entities. These accounts appear to be fraudulent or erroneously reported, and I demand their immediate removal from all credit bureaus. 

XXXX. Questionable Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these credit inquiries, and they were made without my consent. These hard inquiries are violating my privacy and damaging my creditworthiness. 

These errors represent a serious violation of my consumer rights under the FCRA ( 15 U.S.C. 1681 ), which requires credit reporting agencies and furnishers to ensure maximum possible accuracy of information. I am requesting that the CFPB conduct a full investigation and compel the credit bureaus and furnishers to : Delete all incorrect addresses. 

Correct the inaccurate payment reporting on the XXXX XXXX account. 

Delete all fraudulent or unauthorized collection accounts. 

Remove any unauthorized or unverifiable credit inquiries. 

Please provide written confirmation of your receipt of this complaint and keep me updated on the progress and findings of your investigation. 

Thank you for your time and attention to this matter. I expect a prompt and thorough review to ensure my consumer rights are upheld.

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