vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo on XXXX I long in into my wells fargo account and I noticed some money taking out of my bank account. The amount was XXXX dollars the money was sent to person name XXXX XXXX. The phone number was that was in the system was XXXX XXXX. I don't even know that person. Out of nowhere that money was gone. Without my permission and we out knowing that individual. So I report that fraud to the bank. And they denied my fraud cases. And I need answers why?

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 2025-05-06 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these credit bureaus have failed to provide me access to my free annual credit reports, allowed unauthorized inquiries on my credit report, and denied me the ability to dispute inaccuracies, despite my repeated attempts over the past two years.

Under the FCRA, I am entitled to access my credit reports for free annually through TransUnion and Equifax online. However, for the past two years, I have been unable to access my reports through their websites. The bureaus have not provided any option or mechanism to view or dispute errors, which violates my rights under 15 U.S.C. 1681g.

Additionally, my credit reports contain multiple inquiries that I did not authorize. These inquiries were made by companies to whom I did not provide consent, indicating that my personal information was improperly shared. I have attempted to dispute these inaccuracies with all three bureaus multiple times over the past two years, but they have failed to investigate or remove the unauthorized inquiries, in violation of 15 U.S.C. 1681i. This has caused me significant distress and potential harm to my creditworthiness. 
I have made good-faith efforts to resolve these issues directly with TransUnion, but they have not addressed my concerns or provided the required access to my reports. I am requesting the following remedies : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Factual Data Inquiry XX/XX/XXXX Immediate removal of all unauthorized inquiries from my credit reports. 

Restoration of my ability to access my free annual credit reports online from TransUnion.

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 2025-05-06 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 dispute a fraudulent account that appears on my credit report. The account, listed under XXXX XXXX XXXX with account number XXXX, is not mine. This account is fraudulent, and I have never had any dealings with XXXX XXXX regarding this matter. 

Under FCRA 605b ( 15 U.S.C. 1681c-2 ), I am requesting that this information be blocked and permanently removed from my credit file. I have attached the following documents to support my dispute : t

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am writing to dispute a fraudulent account that appears on my credit report. The account, listed under XXXX XXXX XXXX with account number XXXX, is not mine. This account is fraudulent, and I have never had any dealings with XXXX XXXX regarding this matter. 

Under FCRA 605b ( 15 U.S.C. 1681c-2 ), I am requesting that this information be blocked and permanently removed from my credit file. I have attached the following documents to support my dispute : t

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I received a letter from MOHELA stating that interest would not accrue on my loans that they placed on administrative forbearance. I had begun paying on time after graduating, and now Im not able to pay anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Someone attempted to fraudulently open a XXXX XXXX credit card in my name. The card was denied, however I am unable to report it to the credit bureaus, because they require the information to be taken over the phone and the wait times are over an hour long ( Experian ). The first time I called I was disconnected after XXXX minutes. The second time I called I was transferred after another XXXX minute wait. Therefore this increases my risk of future credit fraud, and doesn't allow the credit inquiry to be removed from my report. It is possible that my personal data is still available to criminals due to the XXXX data breach several years ago.

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 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have requested copies of the drivers license where you go in rent an apartment they could not provide it. They provided me with the lease that has no signature it just has somebody putting my name on the lease. Its not signed by me at all. Doesnt even have a signature just initials.

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 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Equifax, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 Guidelines Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the three nationwide credit reporting agenciesTransUnion, Equifax, and Experianfor persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting consumer information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate and complete information.

15 U.S.C. 1681i ( 5 ) Failure to delete or correct inaccurate or unverifiable information after dispute investigation.

15 U.S.C. 1681b Inquiries made without a permissible purpose.

Despite submitting formal disputes to each bureau, the following items continue to appear inaccurately on my reports, harming my creditworthiness and violating my rights as a consumer : Examples of Inaccurate Reporting 1. TransUnion Account : XXXX, XXXX ( # XXXX ) Open date and balance report inconsistencies.

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX No permissible purpose under 1681b.

2. Experian Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Incorrect Date Last Active entry. 

Violates 1681e ( b ).

Inquiry : XXXX XXXXXXXX XXXX  XX/XX/XXXX No permissible purpose. 

3. Equifax Account : XXXX XXXX Incorrect payment history and dates. 

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Lacks permissible purpose under 1681b. 

Personal Information Errors ( All Bureaus ) Outdated and inaccurate addresses, including : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Incorrect or inconsistent birth year ( reported only as XXXX in Experian ). 

These violations fall under 1681e ( b ) for not maintaining maximum accuracy.

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 2025-05-06 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:
Subject : Formal Complaint Against TransUnion, Equifax, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 Guidelines Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the three nationwide credit reporting agenciesTransUnion, Equifax, and Experianfor persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting consumer information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate and complete information.

15 U.S.C. 1681i ( 5 ) Failure to delete or correct inaccurate or unverifiable information after dispute investigation.

15 U.S.C. 1681b Inquiries made without a permissible purpose.

Despite submitting formal disputes to each bureau, the following items continue to appear inaccurately on my reports, harming my creditworthiness and violating my rights as a consumer : Examples of Inaccurate Reporting 1. TransUnion Account : XXXX, XXXX ( # XXXX ) Open date and balance report inconsistencies.

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX No permissible purpose under 1681b.

2. Experian Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Incorrect Date Last Active entry. 

Violates 1681e ( b ).

Inquiry : XXXX XXXXXXXX XXXX  XX/XX/XXXX No permissible purpose. 

3. Equifax Account : XXXX XXXX Incorrect payment history and dates. 

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Lacks permissible purpose under 1681b. 

Personal Information Errors ( All Bureaus ) Outdated and inaccurate addresses, including : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Incorrect or inconsistent birth year ( reported only as XXXX in Experian ). 

These violations fall under 1681e ( b ) for not maintaining maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
I am filing this complaint regarding inaccurate mortgage reporting by XXXX XXXX ( XXXX XXXX  ) to TransUnion, which has caused a significant and unjustified drop in my credit score. 

Due to a natural disaster, I was approved by XXXX XXXX for a forbearance period, during which no mortgage payments were due. According to the terms of this agreement, my payments were not scheduled to resume until XX/XX/2025. I later applied for, and was approved for, a loan deferralformally moving the forbearance-period balance to the end of my mortgage term. I have written documentation from XXXX XXXX confirming both the forbearance and the deferral. 

Despite complying fully with the agreed terms, TransUnion is reporting that I am XXXX days delinquent on my mortgage, which is false. This negative entry has resulted in a credit score drop of over XXXX XXXX  on TransUnion. Importantly, XXXX  and XXXX  have accurately reflected the forbearance arrangement and are not reporting me as delinquent. 

To further demonstrate my compliance and good faith, I proactively made a {$6000.00} payment in XX/XX/2025 toward my forbearance balance, even though my payments were not due to resume at that time. This payment is not being reflected in TransUnions reporting, nor has XXXX XXXX acknowledged it in any way that would have prevented this negative credit impact. 

I contacted TransUnion and filed a formal dispute. In addition, I attempted to obtain a written statement from XXXX XXXX confirming that they reported inaccurate information. Unfortunately, XXXX XXXX failed to provide such a statement or accept responsibility for the reporting error. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report accurate data, and 1681s-2 ( b ), which requires a reasonable investigation of disputed information. 

I am requesting that the CFPB intervene to ensure XXXX XXXX : Acknowledges and corrects the inaccurate information reported to TransUnion ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. 

This misinformation has harmed my financial standing and was reported despite my documented compliance with XXXX XXXX approved arrangements.

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 2025-05-06 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: TX

Complaint narrative:
I have over XXXX inquires on my Equifax credit report these are not mine look like was ran for care i have ask to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
This loan continues to get switched between loan servicing companies. I had more XXXX payments more towards forgiveness than what it is showing now. 

I continue to get no responses and try to follow up. Then the loan gets transferred. Not sure what is accurate anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I expect written confirmation by XXXX/2025 confirming that the fraudulent XXXXXXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Compass Recovery Group, LLC
State: AZ

Complaint narrative:
Compass Recovery Group LLC has violated the statue of limiations in the state of Arizona and took a payment from me on XX/XX/2025 to collect debt and start the clock over. They used scare tactics suggesting i could be sued and face a judgment, and Compass Recovery Group LLC did not provide documents or dates of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Please remove within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Transunion. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate. 
- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion will not delete false information and will not conduct an accurate investigation do to charge-offs that have been reported to the IRS for lost. I have requested an 1099-C from each company, and I have not gotten a reply or they will not send the 1099-C that was requested.

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 2025-05-06 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
On XXXX XXXX Aldous added an derogatory mark on my credit report per XXXX. Upon further research, this account has been transferred/sold and I am no longer responsible for the account. Debtor/Creditor did not verify this collection, also their was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mines. According to the FCRA Aldous has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

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