vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company has engaged in a repeated pattern of non-compliance across multiple TransUnion entities, including TransUnion LLC, TransUnion Interactive/Solutions , and XXXX. Instead of conducting lawful reinvestigations under 15 U.S.C. 1681i, they have repeatedly closed my disputes using generic language, contradictions, and excuses that do not address the actual evidence I submitted.

Across several complaints, TransUnion claimed they could not open files that were NOT password-protected, NOT over the size limits, and NOT a security threat. This appears to be an intentional strategy to avoid reviewing evidence. Then, instead of investigating, they prematurely closed my disputes and repeated scripted explanations that do not address re-aging, duplicate reporting, inaccurate data, or prior dispute history. 

Both TransUnion LLC and TransUnion Solutions have provided conflicting statementsone claiming they can not access files, another claiming no investigation is needed, another closing disputes as other, and another claiming unauthorized third-party involvement despite clear proof I filed everything myself. XXXX also failed to correct or verify their data even after being provided with documentation. This shows a coordinated pattern of obstruction across all three entities. 

These actions violate the FCRA, including 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681i ( a ) ( 3 ) ( improper use of frivolous dispute classifications ). TransUnion ignored evidence, ignored multiple dispute attempts, and failed to provide any meaningful response to the specific inaccuracies I identified. Closing disputes multiple times without review is not complianceit is avoidance.

The company did not correct or verify the disputed information, did not address re-aging concerns, did not address duplicate entries, did not address mixed-file indicators, did not address reporting delays, and did not provide evidence from the furnishers. This response is misleading, incomplete, and does not resolve the issue. Instead, it demonstrates a pattern of willful non-compliance and avoidance of the required reinvestigation process across all three TransUnion-related entities.

The response they provided does not reflect the facts of my complaint, does not address the evidence, and does not correct the inaccurate information remaining on my report. I am requesting that the CFPB review the companys pattern of repeat closures without proper investigation, inconsistent explanations, and failure to follow federal law.

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 2025-11-17 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:
I need to report that there are fraudulent accounts on my credit report, and I urgently need Equifax to block and remove them. Communicating with Equifax has been very confusing, and I feel like they are not listening to me. I am frustrated and worried because I have tried to explain the situation clearly, but I dont feel heard or supported. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I opened an account with Wells Fargo. I was with XXXX XXXX XXXXXXXX for 10 years, and ready to switch after my divorce because I no longer wanted an account that my ex had access to. I was planning on going to XXXX because they had a refer a Friend program to which my friend was going to refer me to. Instead, I chose to go with Wells Fargo due to the incentive with their bonus for opening an account. I followed steps through a link and opened an account with Wells Fargo. This isnt very convenient for me considering I have a XXXX ATM right next to my apartment, my job, and my daughters home, but I thought the bonus was a good enough incentive to open an account with them, especially considering Im a newly single mom and could really use the extra cash that they were offering. I called in today to verify that the bonus was coming because I have well surpassed the necessary deposit amount required to receive it, and the customer service agent told me that there is no promotion attached to my account. When I asked her if she could add it she said that she could not. She gave me no other information other than that I could possibly try going into a branch, but that she didnt know if that was going to work or if there was any way that they could help me. Like I said, Ive gone out of my way now to open an account with Wells Fargo & set up my direct deposit from work through them, just to be falsely guaranteed a bonus for opening this account. It wouldve been more convenient to open an account with XXXX and I wouldve gotten a bonus with them as well. I am now also having to take time out of my day today and tomorrow, to file this complaint, to have sat on hold with Customer Service, and to take time out of my workday tomorrow to go into a branch and see if there is even a slight possibility that they will amend this for me ( especially frustrating considering the customer service agent told me that they probably couldnt ).

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 2025-11-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of XXXX I withdrew {$200000.00} from our reverse mortgage. The reverse mortgage was through PHH Mortgage, loan # XXXX, XXXX XXXX XXXX. 
The house with the reverse mortgage ( XXXX XXXX XXXX, XXXX XXXX, CA ) sold in XXXX of XXXX. On XXXX XXXXXX/XX/XXXX, we signed the final papers to sell that home and saw what we were being charged {$230000.00} to repay that withdrawal ( see attached payoff statement ). On Friday, XX/XX/XXXX I spoke to 3 different people at PHH Mortgage, XXXX, XXXX and XXXX ( Manager ) all of whom told me that the additional {$30000.00} represented fees and interest. As I told all of them, I do not understand why that amount is so high. I requested a detailed accounting of how they arrived at that amount. How could the interest be so high on an amount of money I had for 9 months. They said they would request that but it could take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I recently reviewed my credit report and identified several accounts that I do not recognize or authorize. These entries strongly indicate that I have been a victim of identity theft. I have previously raised this issue, and I am once again requesting the immediate removal of all unauthorized accounts from my credit file. 

The continued presence of these inaccurate and unauthorized items is causing significant distress and does not reflect my true credit history or financial behavior. This situation has made it extremely difficult to manage important financial goals, including purchasing a home and providing stability for my family. 

If this matter is not promptly corrected, I will be prepared to take appropriate legal action to protect my rights and ensure compliance with applicable consumer protection laws. I request your immediate attention to this issue and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently looked at my credit report from [ CREDIT BUREAU ] and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit.

List Hard Inquiries : XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: ND

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Ive been trying to reach out to Experian because I cant log in with my credentials it seems that someone changed my log in info .. Ive summited proof of identity electronically and also through mail and havent gotten any response for the past 3 months

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OK

Complaint narrative:
I contacted my ed financial student loan about issue of this payment of the student loan. I dont believe that I received the proper education or didnt receive any equipment or tools. Were going into this. I dont believe I should have to pay for it when I didnt get no supply or equipment or the proper stuff for it. I was still in getting charged for this I sent an email out to the school and email to them about getting this off and disputing it. They havent done anything. I just dont believe I should have to pay for this. I didnt even get the equipment or whatever the student loan the money amount was for it was for supplies and everything I didnt get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because Capital One improperly denied my fraud dispute on my Capital One 360 checking account ending in XXXX. The account now shows a negative balance of {$3900.00} due to unauthorized transactions and unauthorized account activity that I did not initiate, approve, or benefit from. 

I reported these transactions as fraud, but Capital One denied my claim, stating the activity was completed by me without providing any actual evidence. I have repeatedly asked Capital One to provide proof of authorization, such as device logs, IP addresses, authentication history, merchant documentation, or internal investigation notes. They have not provided any of this. 

Under Regulation XXXX, the burden of proof is on the bank not the consumer to prove a transaction was authorized. Capital One has not met this requirement. 

Because Capital One denied my claim without proper evidence, they also reported the negative balance to ChexSystems, which is now preventing me from opening new bank accounts at other financial institutions. I am being financially penalized for fraud that I did not commit. 

XXXX Ones actions have caused significant financial hardship, restricted my access to banking, and are not in compliance with Regulation XXXX. 

I am requesting CFPB assistance because Capital One will not correct this issue on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this dispute regarding the account XXXX, reported by XXXX XXXX XXXX XXXX, which appears on my credit report. 

I am stating clearly and under penalty of perjury that this account is the result of identity theft. 
During the time this account was allegedly opened and used, I was incarcerated and unable to open or manage any financial accounts. Therefore, I could not have created, authorized, or used this account. 

I am filing this dispute along with : FTC Identity Theft Report CFPB complaint Copy of my identification Proof of residency LEGAL BASIS FOR DELETION ( Consumer Laws Cited ) FCRA XXXX & XXXX ( XXXX ) These sections require that any account created due to identity theft be fully blocked and removed once the consumer provides an identity theft report and proper documentation. 

FCRA XXXX Accuracy Requirement A credit bureau must delete any information that is inaccurate, unverifiable, or the result of fraud. 

FCRA XXXX & XXXX ( a ) ( XXXX ) Data furnishers ( XXXX ) are prohibited from reporting inaccurate information and must conduct a reasonable investigation. 
Because I was incarcerated at the time, this account can not be verified as belonging to me, therefore must be removed. 



INACCURACIES IN THIS ACCOUNT ( Grounds for Deletion ) After reviewing the report details, I identified the following major reporting errors, in addition to identity theft : XXXX. Payment history is inconsistent and shows unknown or missing data Your system shows multiple unknown months and incomplete history. Any account with insufficient or unverifiable data is legally required to be deleted under FCRA XXXX. 

XXXX. The account shows a charge account / charge-off but also shows {$0.00} balance and closed by consumer These are contradictory remarks, which violate the FCRA accuracy XXXX. 

XXXX. The account shows a Last payment XX/XX/year> I did not make any such payment and could not have again proving identity theft. 

XXXX. Payment status shows XXXX XXXX Unverifiable data = grounds for deletion. 

* * XXXX. This account was allegedly opened while I was incarcerated, making it physically impossible for me to authorize or create it. 



MY REQUEST Under the FCRA and identity theft laws, I am demanding : XXXX. XXXX removal ( blocking ) of the fraudulent account Account Number : XXXX XXXX. A full reinvestigation compliant with FCRA XXXX XXXX. A written confirmation mailed to me once the deletion is completed You XXXX not continue reporting this account unless you can provide legal, documented proof that I personally opened it which you will not be able to, because I did not. 

Failure to comply will result in escalation through the CFPB, XXXX Attorney General, and potential civil action under FCRA XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am filing a formal dispute regarding multiple accounts that are being furnished inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts continue to appear on my credit reports despite the fact that the furnishers have failed to provide proper validation, failed to establish a legal right to collect, and failed to correct previously disputed information. 

See attachments below.

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 2025-11-17 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: SC

Complaint narrative:
I am filing a formal dispute regarding multiple accounts that are being furnished inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts continue to appear on my credit reports despite the fact that the furnishers have failed to provide proper validation, failed to establish a legal right to collect, and failed to correct previously disputed information. 

See attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: DE

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 CXX/XX/XXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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