vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
To Whom It May Concern, Im writing to formally dispute inaccurate and misleading information thats currently being reported on my credit report. The account in question is with XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I purchased the vehicle. The account number ends in XXXX, and it is being reported as a charged-off revolving account. 

I recently noticed that XXXX  is listing a false " date opened '' as XX/XX/XXXX, which is not only incorrect but constitutes re-aging of the accounta direct violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the Consumer Financial Protection Bureau ( CFPB ). The correct opening date is XX/XX/XXXX, and I am requesting that this be corrected or the account be removed entirely.

In addition, the Date Last Active is also being misreported. I have not made any payments or had any activity on this account since it was charged off, yet the report reflects a much more recent date that does not correspond with any actual transaction. This appears to be an attempt to re-age the debt, which is also a direct violation of FCRA and CFPB regulations. If XXXX XXXX XXXX can not provide verifiable proof of recent activity, I request that this date be corrected or the account be removed.

After reviewing my credit report, I also noticed that this account is being reported as a charge-off month after month by XXXX. According to the XXXX XXXX credit reporting guidelines and the FCRA, a charge-off is supposed to be a one-time event, not something thats reported repeatedly. Repeating it monthly makes it appear as if there are ongoing delinquencies, which unfairly damages my credit. Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of this account and doesnt accurately reflect the true status or history. This kind of reporting practice is not only unfair but also goes against federal credit reporting rules and guidance from the CFPB. Additionally, Ive noticed inconsistencies in how this account is being reported across the credit bureaussuch as different last activity dates and varying credit limit data. These discrepancies bring the accuracy of the record into question. Im formally requesting : A full investigation into how this account is being reported. If the reporting can not be corrected to meet XXXX XXXX and FCRA standards, I respectfully request the deletion of this XXXX XXXX XXXX account from my XXXX credit file.


Please complete this investigation within the 30-day period allowed under the FCRA and send a written response to the address listed on my credit file. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I disputed XXXX  XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was exposed in the Equifax data breach causing my sensitive personal information to be used several times without my consent. I have noticed unauthorized accounts and inquires on my credit report that I did not authorize. As a consumer I am afforded rights under the FCRA including 1681b, 1681c and 1681i, which protect my right to privacy, accuracy and limited use of my consumer report. As a result I am requesting full investigation and immediate removal of any inaccurate entries also provide written communication that the dispute has been received. 

The accounts listed below are accounts that I did not authorize XXXX XXXXXXXX Account number XXXX {$300.00} & {$330.00} XXXX  XXXX XXXX  Account number XXXX {$370.00} XXXX  Account number XXXX {$440.00} SXXXX XXXX XXXX Account number XXXX {$100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX {$64.00} XXXX XXXX XXXX  Account number XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
My information was exposed in the Equifax data breach causing my sensitive personal information to be used several times without my consent. I have noticed unauthorized accounts and inquires on my credit report that I did not authorize. As a consumer I am afforded rights under the FCRA including 1681b, 1681c and 1681i, which protect my right to privacy, accuracy and limited use of my consumer report. As a result I am requesting full investigation and immediate removal of any inaccurate entries also provide written communication that the dispute has been received. 

The accounts listed below are accounts that I did not authorize XXXX XXXXXXXX Account number XXXX {$300.00} & {$330.00} XXXX  XXXX XXXX  Account number XXXX {$370.00} XXXX  Account number XXXX {$440.00} SXXXX XXXX XXXX Account number XXXX {$100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX {$64.00} XXXX XXXX XXXX  Account number XXXX {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent databreach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number Thisinformation does not relate to any transaction I made. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishersmust block and remove such unauthorized information within four business days of receiving this notice. Effective immediately, I do not consent to any agency, data broker, or furnish reporting these tradelines. Remove and update my report without delay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I received a letter in the mail from Scott & Associates claiming that I owe a debt from an original creditor XXXX XXXX XXXX XXXXXXXX. with an account ending and the number is XXXX for a total balance of {$3900.00}. ( File number XXXX ) This collection company is claiming in the a response letter to my original complaint that the debt was from XXXX  XXXX XXXX and considered delinquent XX/XX/XXXX, charged off XX/XX/XXXX and awarded to Scott & Associates on XX/XX/XXXX. So it has taken this debt collection agency 14 YEARS to contact me and they are now threatening me saying they are going to pursue garnishment remedies to address the balance due on a unsatisfied judgment owed. 

I have never had a bank account, credit card or loan with XXXX  XXXX XXXX so I believe this is done an error or this is fraud and I am victim of identity theft. I have never been contacted by a representative of XXXX  XXXX XXXX nor been contacted by any debt collection agent agency until the letter I received on XX/XX/XXXX. I am disputing this attempt to pursue garnishment remedies and collect debt for an account that is not mine. I am a victim of identity theft and these items are not transactions conducted by me as a consumer. I have filed a identity theft report, sent an identity theft letter to the debt collector, as well as a FTC notice to furnishers to Scott & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is showing four late payments being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX. I have made multiple disputes regarding the fact that these payments were made on time according to the contract ( XXXX day of the month ), and they have verified the information as late each time when it was 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
CFPB Complaint # XXXX and XXXX I am requesting this case be reopened and escalated, as Selene Finances response fails to address the core issues raised : Selene induced the default by canceling autopay after a single failed transaction without notifying me electronically, and did not offer a reasonable opportunity to cure. 

They continued sending notices to the wrong address even after I was clearly corresponding from my new address. I received no valid acceleration or foreclosure notice at my actual location. 

Their payment portal failed, and I was locked out of my account for weeks yet they continued charging default interest at 18 %, which I dispute as unauthorized. 

I offered to pay the full amount of the missed payments under protest, and Selene refused unless I paid inflated amounts with legal fees and retroactive interest.

Selene admits I made a partial reinstatement payment of ~ {$14000.00}, yet they still keep the account in foreclosure, showing no intent to resolve this in good faith.

I am in the process of refinancing and intend to pay off the loan in full however, I am requesting CFPB oversight to ensure no junk fees or unearned interest are capitalized into the payoff quote.

I respectfully request that the CFPB keep this case open until Selene : Removes default interest charges added under disputed servicing practices ; Accepts full reinstatement or provides a clean payoff quote without retroactive fees ; Removes foreclosure status from public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
I am filing this complaint regarding a solar panel lease agreement I signed with XXXX in XXXX I was misled by the salesperson ( XXXX XXXX ) into believing this was a clean energy improvement that would reduce my electric bill and could be canceled at any time if needed. 

I was never informed that XXXX would file a XXXX lien against XXXX property. I only discovered the XXXX when trying to refinance my home, and it was never properly explained or disclosed in a clear, understandable manner. I feel deceived and trapped in a contract I do not fully understand. 

The system does not deliver the promised savings, the equipment is unreliable, and my electric bills remain high. To make matters worse, XXXX filed for Chapter XXXX XXXX  and now I fear my contract will be sold to another company without my consent. 

I believe this is a predatory financial product disguised as a green energy solution. I am requesting that the CFPB investigate this situation, assist in removing the lien from my property, and help me terminate this abusive and deceptive contract. 

I have documentation and email records showing I was never properly informed. This debt does not even appear on my credit report, yet it jeopardizes my home and financial future. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following previous addresses are wrong : Incorrect DOB - XXXX  - The following personal information is incorrect - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - SELF EMPLOYED- The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-07-28 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in XXXX ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate XXXX ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking and savings accounts were hack due to the banks negligence. They sent my card to XXXX XXXX XXXX XXXX XXXX and I didn't receive it for 2 months. They claimed they couldn't find me. I saw the banker, XXXX, walking past the shelter the week after I opened the account. She looked guilty. So I waited and then reported it. They said to simply order a new card knowing it would go right back to the shelter and not my mailing address. The checking and savings accounts were being skimmed for cash and then when I ordered my flight itinerary, cheapoair was allowed to hack my account and steal money. I reported it to the bank. They didn't flag my account for fraud and didn't care at all. I felt intimidated by them being military and federal government personnel and withdrew the remaining balance out of my savings account and left. I am so happy they are being sued. They are criminals. XXXX XXXX XXXX XXXX XXXX XXXXocated at XXXX XXXX XXXX XXXX XXXX, California XXXX. It will be on my state ID. My mailing address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX i was contacted about my credit card ending XXXX that has been charged for {$4100.00}, XXXX XXXX. In the past few months, I didn't use this card. I called Bank of America and they changed my account and they sent new credit card by mail. 

While I was expecting to see my new credit card, I received another alert from Bank of America on XX/XX/year> that my " New Card '' which i haven't received it yet, has been charged for {$6000.00}, at XXXX XXXX. 

I contacted bank of America and they didn't share any details on this fraud and I asked them to send me a letter stating that my account has been compromised and they refused. 

I closed my account with them. I requested an official letter stating this problem that I can then share with XXXX  and set alert on my account. I escalated the matter to the supervisor " XXXX '' and he wasn't able to help me either. 

This is clearly a failiur from Bank of America and i deserve explenation and i need to know what happen that i can protect myself.

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 2025-07-27 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: NC

Complaint narrative:
My Capital One account was closed without proper explanation XX/XX/XXXX of last year. I was notified that the account was terminated due to suspicious activity, but I was never informed of what activity triggered this. I have not engaged in any fraudulent behavior, nor was I given a chance to respond, dispute, or clarify any concerns before the closure. While on the phone with customer service, I was told that there were inconsistent balances, which is not fraudulent. They were speaking in reference to the times I attempted to make payments that were returned. I never made any huge purchases or spent all of the credit I had. They accepted certain payments and returned other payments. I left it alone because I believed that by suspicious payments them ment the XXXX and XXXX purchases but that was very much not the case as they recognized the purchase which is why I want this to be resolved today. 

I attempted to speak with Capital One representatives, but each time I was told they could not disclose the details I specifically asked for. This has left me without access to my funds and without any formal documentation explaining the decision.I also asked for management to specify but they never gave me that, just a 5 minute wait time and a response saying they could not open it. All I was left with was a balance and a letter saying We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement.. 

I also do not know if I was reported to XXXX or another agency. This account being closed has also destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Complaint Against Bureau for Noncompliance and Delay Dear CFPB, I am filing a complaint against TransUnion for failing to properly investigate disputes submitted over a month ago. Their refusal to act is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has caused financial hardship. 

In XXXX XXXX XXXX XXXX XXXX XXXX, it was ruled that agencies must promptly investigate disputes. I respectfully request : 1. Immediate deletion of the inaccurate items 2. $ [ 2000 ] compensation for damages XXXX Review of the following : XXXX XXXX XXXX XXXX XXXX * * * - 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Reporting Accuracy - Please provide evidence that this late payment was reported accurately, including payment history records.

Please confirm receipt and inform me of next steps taken. 
Sincerely, 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