vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This communication serves as notice that an unauthorized hard inquiry has appeared on my credit report. I did not apply for any financial product or authorize this access to my credit history. Such an inquiry is invalid, constitutes a serious reporting error, and may indicate fraudulent use of my information.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I was recently contacted by William & Fudge , Inc. regarding an old debt.

The information they are using is inaccurate and does not match my correct demographic or account data. 
The previous creditor failed to provide proper debt validation, and the account was removed from my credit file.

Despite this, William & Fudge has continued to contact me without supplying legally required proof of the debt under the Fair Debt Collection Practices Act ( FDCPA ).

Their communication appears harassing and potentially in violation of my rights.

I have sent a written request for validation to William & Fudge via certified mail, and I am requesting that the CFPB investigate their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I requested Mortgage assistance from my loan servicer, PHH Mortgage, on XX/XX/XXXX. The application was completed with all requested documentation given to PHH. The request for mortgage assistance was received on XX/XX/XXXX by PHH. The request for assistance was denied on XX/XX/XXXX. At this time, I applied a second time. The request was received and complete by PHH on XX/XX/XXXX. I was approved to enter into a trial period plan under the FHA XXXX Recovery Modification by PHH on XX/XX/XXXX. I was informed on XX/XX/XXXX that if the terms of the Trial Period Plan continued to remain in compliance, PHH will modify the mortgage account and waive all applicable late charges and penalties as required by the investor of the loan, The Agreements should be signed and notarized with all pages returned to PHH in the enclosed prepaid envelope by XX/XX/XXXX and the new monthly modified mortgage payments of {$2300.00} should be made beginning on XX/XX/XXXX. The pages were signed and notarized by the deadline. However, the notary made an error. I was infomed they would mail new forms and we were allow to complete by a new deadline of XX/XX/XXXX. The new forms were received by me in the mail on XX/XX/XXXX. The forms were signed, notorized, and mail back on the same day of XX/XX/XXXX. I was then informed via phone that there was one form that was not signed and that is why the request was denied. I then received mail informing me the forms were not returned at all leading to a denial. I called and spoke with another representative from PHH who said it was denied because they received the form but not until after the deadline. However, she also told me it was uploaded on their computer system on XX/XX/XXXX ( one day after the deadline ). 
With my experience, to upload paperwork, it usually takes 2-3 days AFTER it is received in the mail in order to upload, especially in a large companies. Also, I wouldn't have been able to send in any earlier because I received, completed, and mailed back the form on the same day of XX/XX/XXXX. 
I believe PHH has deliberately failed to follow through causing me to possibly lose my home in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-25 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:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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 2025-09-25 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information XXXX XXXXXXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information XXXX XXXXXXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding immediate correction regarding the fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized, and their reporting constitutes a clear misrepresentation of my financial history. Such errors undermine both my personal security and the reliability of the reporting system itself.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I rented a vehicle through XXXX for a period of XXXX weeks and paid with my Capital One XXXX XXXX ( XXXX ) card. On XX/XX/XXXX, the vehicle was damaged in a hit and run incident, and I filed a claim under the Auto Rental Collision Damage Waiver ( CDW ) benefit for the towing and repair expenses which I paid out of pocket. 

The claim was denied on the grounds that XXXX is not a rental car agency. However, the Guide to Benefits in effect at the time ( dated XX/XX/XXXX ) did not state that XXXX or platforms facilitating peer-to-peer rentals were excluded. The Auto Rental CDW section ( pp. XXXX ) clearly listed other exclusions ( a specific list of exotic cars, certain countries, long rental periods, etc. ), but it did not mention XXXX or platforms facilitating peer-to-peer rentals. From a consumer perspective, XXXX is indistinguishable from a traditional rental agency : it is listed alongside major rental agencies in third-party travel searches ( e.g. XXXX ), and the platform manages vehicle booking, payment, support, and insurance. 

Before filing my claim, I called Card Benefit Services to confirm coverage, providing all relevant details. The representative did not flag XXXX as excluded and told me to proceed. I had declined XXXX optional insurance coverage in reliance on the Guide to Benefits and my pre-claim call, believing coverage applied. After submitting my claim on XX/XX/XXXX and receiving the first denial on XX/XX/XXXX, I spoke to a Capital One representative who cited a different ( internal ) version of the Guide that did mention a Turo exclusion, which conflicted with the written version I had been provided. She noted the discrepancy in my account and escalated it as urgent. 

I submitted a second appeal, but the internal appeals panel again denied the claim on XX/XX/XXXX, citing the ambiguous and unpublished rental car agency definition and XXXX website disclaimer. The denial did not acknowledge their inconsistent disclosures or the fact that I relied on the published Guide and a pre-claim call with their representative when deciding to decline the insurance coverage available through XXXX. As a result, I was left unknowingly without coverage, believing I was protected under my cards CDW benefit. This lack of clarity put me at significant financial risk through no fault of my own. 

I believe Capital One and its benefit administrator misrepresented coverage by failing to clearly disclose the exclusion. I relied in good faith on the official, published terms available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
The place was infested with roaches. I applied for XXXX unit they surprised me with a different unit all of my brand new furniture and belongings were ruined and compromised. I lost clientele for my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-25 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I froze my credit a year ago when the US SSN # 's were hacked. I need to apply for a credit card so I went to Experian to unfreeze it. I called the customer service number to speak with someone to unfreeze it. There is no way you can actually get to a person. So I created an account with a password but they said they couldn't confirm my identity. When I tried signing in again the password didn't work. So when I clicked on forgot paswword to choose a new one they said that my phone # didn't match my email. I've had the same phone # for over XXXX  years, same with my email. They don't have a single way to talk to a person to resolve any issue whatsoever. I called XXXX different phone # 's and got the same recording that can't actually help you with anything. So now the info they have for me is incorrect for some strange reason and I can't unfreeze my credit and there is no email, not phone # or website I can call for help. It should be illegal for a company that deals with something as important as credit reports to not have a live person option to speak to.

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 2025-09-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint against U.S. Bank for severe mismanagement of my XXXX  account, used for XXXX XXXX unemployment benefits through the XXXX XXXX XXXX XXXX ( XXXX  XXXX ). My card was closed before I even received it, and despite multiple attempts to resolve this through U.S. Bank and XXXX  XXXX, Ive been caught in a frustrating loop of misdirection, unverified support channels, and a locked accountleaving my family at immediate risk of eviction. As a single parent relying on these funds for basic needs, the inability to access my benefits due to XXXX XXXX  failures violates consumer protections under the Electronic Fund Transfer Act ( XXXX ) and Consumer Financial Protection Act ( XXXX ), exacerbating my financial hardship. 
On XXXX XXXX XXXX was approved for unemployment benefits through XXXX  XXXX, with payments designated to a U.S. Bank ReliaCard. However, the card was closed or locked before I received it, for reasons never clearly explained by U.S. Bank or XXXX  XXXX. I contacted XXXX  support at XXXX countless times, e.g., to resolve this. Each time, agents instructed me to call XXXX  XXXX at XXXX, claiming the agency are the only one that can unlock. XXXX  XXXX, however, stated they have no access to my XXXX  and directed me back to U.S. Bank, meanwhile XXXX  XXXX continued issuing me payments to said closed card, creating an endless loop with no resolution. This lack of coordination mirrors XXXXXXXX XXXX XXXX CFPB violations, where a {$21.00} XXXX penalty was issued for freezing accounts and delaying access to unemployment funds ( CFPB XXXX U.S. Bank, XXXX  ). 

Ive attempted resolution by : Calling XXXX  support ( XXXX ) [ with agents deflecting to XXXX  XXXX. Which is false because ncdes said they cant help unlock my card. 
Contacting XXXX  XXXX ( XXXX ) who confirmed they can not manage XXXX  accounts. 
Submitting documents via the XXXX  portal and faxing to XXXX as directed. 

What I Want : I urgently request that the CFPB investigate XXXXXXXX XXXX XXXX practices and provide immediate relief : XXXX. Unlock my XXXX  or issue a new card with all held funds released within XXXX hours to prevent eviction. 
XXXX. Compensation for financial losses ( XXXX XXXX XXXX XXXX XXXX  in fax fees, late rent penalties, or lost wages ) and XXXX  XXXX  from the threat of XXXX. 
XXXX. 
XXXX. Implement clear, accessible support channels for XXXX  users, including better coordination with XXXX  XXXX and mandatory scam warnings. 
XXXX. Expedite resolution due to my familys imminent eviction risk by XX/XX/XXXXXXXX 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