vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiry by XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing an unauthorized hard inquiry that appears on my credit report. I did not apply for credit with XXXX XXXX XXXX XXXX and did not grant permission for any credit check. I am requesting the immediate removal of this inquiry because it was completed without my knowledge or consent, which violates provisions of the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Inquiry Details Company : XXXX XXXX XXXX XXXX Reported Date : XX/XX/year> Purpose : Unknown No application submitted, no credit request made, and no consent provided. 

My Rights Under Federal Law Under the Fair Credit Reporting Act, a company must have permissible purpose before pulling or accessing a consumers credit file. XXXX XXXX XXXX XXXX had no permissible purpose because : I did not authorize the inquiry I did not apply for any credit product I received no notice or request for my consent Reporting an unauthorized inquiry violates FCRA Section 604 ( a ) ( 3 ), which clearly states that a credit pull can occur only with the consumers direct authorization or for an existing account relationship.

Required Action. 

I am requesting : Immediate deletion of the unauthorized XXXX XXXX XXXX XXXX inquiry A new updated copy of my credit report reflecting the removal The name and contact information of the individual or entity that certified a permissible purpose for this inquiry Documentation received from XXXX validating the inquiry If they can not provide verifiable documentation proving I authorized this inquiry, you are required under FCRA 611 to remove it immediately. Since I did not authorize this inquiry, I am concerned about possible misuse of my personal information..

Closing I expect a full response and resolution within the required thirty day investigation period. Please mail the results to my address above. 

Thank you for your prompt attention. 

Sincerely, Your XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
# XXXX. A charge of {$1700.00} was charged to my card on XX/XX/XXXX. 
# XXXX dispute of the charge was entered XX/XX/XXXX. 
# XXXX. I sent information XXXX XXXX XXXX requested regarding a vacation trip and the charges I agreed to in XX/XX/XXXX, 7 months prior. 
# XXXX. XX/XX/XXXX a letter was sent to me explaining The Fair Credit Billing Act, and how XXXX follows XXXX 's rules for this type of dispute. I did not wait more than 60 days. I called as soon as I opened my statement and found a charge of {$1700.00} which I did not authorize. I do not believe the Fair Credit Billing Act pertains to my case. 
# XXXX. XX/XX/XXXX went to XXXX XXXX and called XXXX with a representative from the bank. I was given a payoff amount of {$5800.00} which was paid that day through the bank. 
# XXXX. Following statement had a balance of {$1800.00} which is the {$1700.00} plus interest and fees that were suppose to be taken care of by XXXX XX/XX/XXXX the day I paid the {$5800.00} # XXXX. XX/XX/XXXX Spoke with the resort. A claim was reported to them XX/XX/XXXX and they investigated and responded XX/XX/XXXX. They report to me that the error was on there end and they debit the bank, and the bank should credit me {$1700.00} plus fees. XXXX is aware and admits that happen. 
# XXXX. XX/XX/XXXX I am being harassed by the collections department sending me the Mass Debt Validation Notice plus letters instructing me to call. When I call the number it is the collections department. They have informed me that I am so many days away from being sent to collections. I am concerned with my credit report being negatively impacted. 
This is the short version. For XXXX  months I have spent SEVERAL frustrating hours on the phone and at the bank working with the bank credit card liaison person and the bank manager trying to resolve this. XXXX communication and access to information between departments is poor, many times I have been told " I can't access that information on my screen ''. I have also been told " I will have a XXXX call you '' and call backs do not happen. Today I was told by XXXX that someone is investigating my case. I have been told that several times. 
I do not seem to be getting anywhere with this and it was suggested I reach out to CFPB for assistance. I am grateful that your much needed organization is here to help people in situations like this because I do not know where else to turn. Any assistance you can give will be appreciated. Thank 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 2025-12-02 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: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my TransUnion credit report and noticed that the payment for XX/XX/XXXX on my auto loan account was marked as paid/current. However, the lender, XXXX XXXX XXXX, stated in their response to the CFPB that this payment was not made. This creates a direct contradiction because if XXXX was paid, the XXXX late mark reported for XX/XX/XXXX is impossible, as well as any subsequent late marks and the charge-off in XX/XX/XXXX. 

I requested documentation from XXXX XXXX XXXX to verify the XX/XX/XXXX payment, including statements and proof of payment, but they did not provide any verifiable evidence. I am requesting that TransUnion investigate this discrepancy and remove the account entirely from my credit report, as the reported information is inaccurate, contradictory, and unverifiable. 

Evidence includes a screenshot of my credit report showing XX/XX/XXXX as current and XX/XX/XXXX as 30 days late, and the response from XXXX XXXX XXXX to the CFPB stating the XX/XX/XXXX payment was not made.

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 2025-12-02 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
On XX/XX/year>, I sent XXXX a written request for validation of the alleged mortgage debt, including : the endorsed promissory note, allonges, complete chain of title from the original lender ( XXXX XXXX XXXX  ), servicing transfer/ownership documentation, payment and escrow accounting, and proof of XXXX standing and authority to collect. XXXX received my request on XX/XX/year>. 

XXXX failed to provide any of the required documents. Instead, they sent an incomplete and defective packet containing an unendorsed copy of the note, a generic XXXX transfer notice, and partial account information. They did not provide any endorsement, assignment, transfer documentation, servicing rights agreement, or proof of possession of the original note. 

I sent multiple follow-up notices, including a Notice of Failure to Validate Debt and Demand for XXXX. XXXX failed to cure within the required time. Despite not validating the debt or proving they have legal authority, XXXX continues to demand payments, mismanage escrow, and report derogatory credit information. 

XXXX actions violate RESPA, FDCPA, FCRA, TILA, XXXX Article XXXX, and XXXX servicing requirements. I am requesting investigation and enforcement.

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 2025-12-02 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: AZ

Complaint narrative:
I am filing this complaint because my federal student loan servicer/guarantor has illegally furnished my protected educational records to the consumer reporting agencies without my knowledge, authorization, or consent. These entities have knowingly violated XXXX, the Privacy Act of 1974, and the Fair Credit Reporting Act ( FCRA ) by reporting information they had no legal right to disclose or collect. 

The accounts that were unlawfully furnished are listed below : XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  These student loan records are legally classified as educational records under XXXX. This means they can not be disclosed to any credit reporting agency under any circumstance unless I provide explicit written consent. I have never signed or submitted any document, authorization, consent form, or release that permits my lender, servicer, guarantor, or any third party to share my student loan or financial aid information with any consumer reporting agency. 

The servicer also violated the Privacy Act of 1974, which strictly prohibits federal agencies and their servicers from disclosing my personal information unless a valid exception applies. No exception exists here. Credit reporting is not an authorized disclosure under XXXX for XXXX XXXX financial aid records. 

Despite this, my protected educational data was willfully furnished to XXXX Equifax, and XXXX, creating an unlawful publication of my educational record and a direct breach of federal privacy laws. 

Because these accounts were furnished without a permissible purpose, the credit bureaus are now reporting accounts that are illegally obtained, illegally furnished, and illegally maintained. This is a violation of : XXXX XXXX. XXXX ( XXXX ) XXXX XXXX. XXXX ( Privacy Act of 1974 ) XXXX XXXX. XXXX & XXXX ( FCRA permissible purpose & blocking ) XXXX XXXX. XXXX & XXXX ( civil liability for willful and negligent violations ) I have demanded that the credit bureaus delete these illegally furnished accounts, but they continue reporting them despite being notified of the FERPA and Privacy Act violations. This indicates potential willful noncompliance and intentional disregard of federal law. 

I am requesting that the CFPB take immediate action to investigate : Why my servicer furnished protected FERPA-regulated educational records to credit bureaus without any legal authority. 

Why a federal servicer or guarantor knowingly violated the Privacy Act of 1974. 

Why these accounts are still being reported despite no permissible purpose for their collection, use, or dissemination. 

The removal of all accounts listed above due to their unlawful disclosure and violation of federal privacy regulations. 

Whether the servicer and bureaus should face sanctions for willful violations of XXXX, the Privacy Act, and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The disputed item does not accurately correspond with my financial record. Kindly correct and update it after review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
On XX/XX/year>, I sent TransUnion a written dispute, by certified mail, identifying multiple inaccuracies on my credit file. This included incorrect addresses, incorrect name variations ( I do not have a middle name ), outdated employment information, unauthorized inquiries, and several accounts that remain unverified. 

TransUnion received my certified dispute ( USPS delivery confirmed ), but TransUnion failed to conduct a lawful reinvestigation under FCRA XXXX. They did not properly validate the disputed information, did not correct the personal information, and did not obtain verification from the furnishers for multiple accounts. Several furnishers also failed to respond to my XXXX direct disputes, yet TransUnion continued reporting the same negative data without verification. 

TransUnion is reporting : - Inaccurate personal identifying information - Multiple accounts that remain unverified and were not validated by the furnishers - Unauthorized or unsupported inquiries - Incorrect or outdated address and employment information FCRA XXXX requires the credit bureau to delete or correct information that can not be fully verified. TransUnion has not done so and has continued reporting disputed information without providing verification. 

I am requesting CFPB assistance because TransUnion did not conduct a reasonable reinvestigation and continues to report inaccurate, incomplete, or unverified information on my credit file.

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 2025-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I request the refund for my data .i know my data was explodes some one are use my identity my information sale my data all for my reputation for everything all the fund from third party also people open investments account on my name too .. Im victim the one got exploited every where international I need to know everything my self .my reputation ruined my life .ruined my career all that I want the refund.i request FBI agents to investigate I'm need to know every detail about my self I m not a kid anymore I have the right to know about my information.2022 the whole year I struggled alone I eat expired food.i sleep a place no heater people treat me disrespect.peoples treat me like I am a trash for all that I want the money

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I am filing this complaint due to XXXX insufficient disclosure of my deferred interest promotional balance, misleading explanations provided by customer service, and refusal to provide written confirmation of a conditional offer. 

I made a {$3900.00} purchase on XX/XX/XXXX under a XXXX deferred interest promotion. Although early statements showed the promotion and the expiration date ( XX/XX/XXXX ), XXXX  never disclosed the remaining promotional balance at any time. I consistently made payments totaling {$2800.00} toward the promotion, but XXXX  never showed how much of each payment was applied or how much promo balance remained. 

When the promo expired, I later learned that I still owed {$1000.00}, but this number was never shown on any of my statements. There were no warnings that my payments were insufficient to satisfy the promo before expiration. 

When the promo expired, XXXX added {$920.00} in deferred interest to my XX/XX/XXXX statement. Customer service incorrectly stated that the charge occurred because my payments were late, which is not accurate. Deferred interest is triggered only when the promotional balance is not fully paid by the expiration date, regardless of payment timing. 

XXXX has since verbally offered to waive deferred interest on my second promotional balance ( {$780.00} ) if I pay {$1800.00} by XX/XX/XXXX, but they refuse to provide this offer in writing, leaving me unable to safely act on it. 

I am requesting : A refund or reduction of the {$920.00} Written confirmation of the conditional offer A review of XXXX promotional balance disclosure practices XXXX statements did not provide the necessary information for a reasonable consumer to track or satisfy the promotional terms. 

I have attached copies of my monthly statements and payment history showing that XXXX  never disclosed my remaining promotional balance during the XXXX deferred interest period. My XX/XX/XXXX statement does not show that I still owed a remaining balance on the {$3900.00} promotion, and I was never notified before the deadline that I still owed {$1100.00}. My XX/XX/XXXX statement shows thaXXXX XXXX  added {$920.00} in deferred interest. 

I also attached my payment history showing I paid {$2800.00} toward the promotion and a note of XXXX verbal offer requiring {$1800.00} by XX/XX/XXXX, which they refuse to provide in writing. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally submit a complaint against Capital One regarding the reporting of inaccurate personal information to credit bureaus and the negative impact it has had on my credit score and overall financial standing. 

I have recently reviewed my credit report and found that Capital One is reporting false personal information related to my account. Specifically, [ describe the incorrect information, e.g., inaccurate personal details, incorrect account status, etc. ]. This information is not only incorrect but has also adversely affected my credit score and my ability to secure loans and credit. 

I have attempted to resolve this issue directly with Capital One by contacting their customer service on [ insert dates of communication with Capital One ] but have not received a satisfactory resolution. I provided them with all necessary documentation to correct the inaccuracies, yet the false information persists on my credit report. 

Requested Resolution : I request the CFPB 's assistance in investigating this matter and urge Capital One to correct their reporting to the credit bureaus. The inaccuracies must be rectified promptly to prevent further damage to my creditworthiness and financial life. 

I appreciate your attention to this matter, and I look forward to hearing from you soon regarding the actions taken to address my complaint. 

Thank you for your assistance.

Company response to consumer: Closed with explanation