vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
My credit reports contains unauthorized hard inquiries and an unverified collection account. I have disputed these items directly with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 604, 609, 611 ).

Details Unauthorized Hard Inquiries My report lists multiple hard inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize these inquiries.

Under FCRA 604, a credit bureau may only report an inquiry if there is permissible purpose based on my consent or a legally valid credit application.

No signed agreements or records of authorization have been provided.

Unverified Collection Account My report includes a collection account from XXXX XXXX, XXXX. 

TransUnion has not provided a signed contract, bill of sale, or chain of assignment showing that XXXX has standing to report or collect. 

Under FCRA 609611, and principles of contract law ( Business Law : Text & Cases, Ch. 1820 ), the burden of proof lies with the furnisher/CRA to verify accuracy and ownership.

Without documentation, continued reporting is inaccurate and misleading.

Why This Violates the Law The FCRA requires consumer reporting agencies to ensure maximum possible accuracy and delete unverifiable information. By reporting inquiries and accounts without proof,
TransUnion,

Experian, and Equifax is in violation of federal law. This creates real harm by lowering my
credit score and impairing access to credit.

Resolution Requested Remove all unauthorized hard inquiries, including XXXX XXXX ( XX/XX/year> ). 

Delete the unverified XXXX XXXX, XXXX collection. 

Confirm in writing that these items have been permanently removed.

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 2025-09-24 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:
My credit reports contains unauthorized hard inquiries and an unverified collection account. I have disputed these items directly with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 604, 609, 611 ).

Details Unauthorized Hard Inquiries My report lists multiple hard inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize these inquiries.

Under FCRA 604, a credit bureau may only report an inquiry if there is permissible purpose based on my consent or a legally valid credit application.

No signed agreements or records of authorization have been provided.

Unverified Collection Account My report includes a collection account from XXXX XXXX, XXXX. 

TransUnion has not provided a signed contract, bill of sale, or chain of assignment showing that XXXX has standing to report or collect. 

Under FCRA 609611, and principles of contract law ( Business Law : Text & Cases, Ch. 1820 ), the burden of proof lies with the furnisher/CRA to verify accuracy and ownership.

Without documentation, continued reporting is inaccurate and misleading.

Why This Violates the Law The FCRA requires consumer reporting agencies to ensure maximum possible accuracy and delete unverifiable information. By reporting inquiries and accounts without proof,
TransUnion,

Experian, and Equifax is in violation of federal law. This creates real harm by lowering my
credit score and impairing access to credit.

Resolution Requested Remove all unauthorized hard inquiries, including XXXX XXXX ( XX/XX/year> ). 

Delete the unverified XXXX XXXX, XXXX collection. 

Confirm in writing that these items have been permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) SANTANDER BALANCE {$3200.00}, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) SANTANDER BALANCE {$3200.00}, 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

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 2025-09-24 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: VA

Complaint narrative:
XXXX  XXXX Account XXXX dispute the accuracy and completeness of the above-referenced account on my credit file. The reported information ( XXXX late as of XX/XX/2023 ; Paid, Closed ; payment history inaccuracies ; and closed status ) is inaccurate, incomplete, and/or the result of identity theft and a data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), I demand a reinvestigation and immediate deletion of any item you can not verify.

Specifically I demand that you : 1. Complete a full reinvestigation of this tradeline and provide me with the identity of the furnisher, detailed verification, and the complete file disclosure you relied upon ( including any documents, chain-of-title, original contract, assignment ( s ), and proof of identity establishing this debt is mine ). 15 U.S.C. 1681g.

2. If you can not verify the accuracy of this information within the statutory XXXX reinvestigation period, you must delete the tradeline in full from my report. 15 U.S.C. 1681i ( a ).

3. If this tradeline remains on my report, place a permanent Fraud/Identity Theft flag and block reporting of the tradeline pending resolution. 15 U.S.C. 1681c-2 ( and FCRA identity-theft provisions ). 
4. Provide me written confirmation of the results of your reinvestigation and a free copy of my updated credit report showing the item removed or corrected.

Enclosed : copy of my drivers license, utility bill ( proof of address ), a copy of the screenshots showing the inaccurate reporting, and a copy of any identity-theft police report ( if you have one ). If you believe you have a lawful reason to continue to report this disputed information, provide me the documentary evidence proving its accuracy and your legal basis for continuing. 

This is a formal dispute under the FCRA. If you do not delete or correct the inaccurate information promptly, I will file complaints with the CFPB, the state attorney general, and pursue any remedies available under 15 U.S.C. 1681n/1681o ( statutory and actual damages, costs and attorneys fees ) for willful/negligent noncompliance.

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 2025-09-24 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: TX

Complaint narrative:
Several inaccurate accounts continue to appear on my credit reports, and they have not been corrected. Please, I am pleading for a careful review of the documents Ive attached so I can finally stop worrying about this ongoing 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The loan was opened on XX/XX/year> the maturity date is XXXX original XXXX XXXX  %. The original loan amount was XXXX which exceeds the total value of the vehicle.At the time of purchase I actually wanted and tried to get out of this loan once I realized the terms. I even notified the warranty company at the time I believe by the name of XXXX  and expressed my distress of my issue with the purchase of this vehicle. They refunded me what they could and apologized. I went in person and made a formal complaint about XXXX the salesmen that pressed the sale and informed me that, no other vehicle 's to my request were available meaning the seating that I need to transport my family at least XXXX seats. In the end I have been stuck with the vehicle and struggling to make the payments for fear of not having a vehicle for my family. Interest paid on the vehicle so far has been {$17000.00} total principal paid {$19000.00} for a total principal balance of {$35000.00} with a remaining balance of {$42000.00} and an extra {$6800.00} due at payoff. {$37000.00} has been paid already. Payoff amount as of today is {$35000.00}. 
Ridiculous, These vehicle abuse and scams are getting out of hand and the people need to start getting victory of these issues. I cant even say Free but in some instances the vehicles need to be free. Obviously the amounts that have been paid on my truck are listed. The transactions that are listed only go back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: eMortgage Funding LLC
State: VA

Complaint narrative:
I have been fighting this company for the past 2 years. I received a refinance from them in XXXX on the basis that the agent promised to lower the payment, the interest rate and get me out of the FHA and PMI after 6 months and he kept putting me off an as well as the people above him. I was threatened that if I would stop writing to agencies as well as the CFPB and the XXXX XXXXaybe something would be done. My mortgage was doubled what I had been paying, from XXXX to XXXX a month. He also asked me to remove the complaints from the XXXX. His supervisor got on the phone as well and told me he could fix this in 10 days, that was XXXX XXXX. Nothing happened. In XXXX XXXX I was sent a proposal for XXXX, it contained false information which could have possibly reflect on me as signing a document NOT to be true to the best of my knowledge. He texted me and asked if I signed it and in the same breath said he was not going to lock in the rate which was one point lower then I was paying. Before the holidays another person called, and he advised me to rent a room out. I told him they were guilty of predatory lending and credit card fraud where they overcharged me for an appraisal. A couple of weeks later after 18 months they sent me a check for the XXXX charged without my permission to my credit card. I am having a hard time making these payments and now am back in debt. All they had to do was try to help but it was easier to ignore my emails, letters and pleas. I have lived here for 69 years and I am XXXX, is this how they would want their mother treated?

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am being contacted regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 have already made multiple requests with the proper documentation to show that I have been a victim of identity theft to Transunion! I have stated over and over again I was a victim in the XXXX and XXXX XXXX XXXX XXXX and as a result my exposed information was used to open multiple accounts associated with addresses I've never lived at. I have complied with the rules by submitting multiple copies of my Drivers License with my current address, and multiple FTC reports. TRANSUNION continues to violate my rights but not only refusing to remove the addresses not associated with me, but by not adding my correct address, and by refusing to remove the negative accounts! I am enclosing the copy of todays credit report that CLEARLY shows they updated my address to one of the addresses not associated with me, and have yet to add my correct address ; nor have they removed the accounts listed on my FTC reports! I have also sent a request to have the information blocked on my credit report. If the information is not correctly updated, and the accounts are not removed within 4 days as is consumer law I will do the following : I will escalate legally with FCRA attorneys.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I experienced fraud on my Bank of America account due to a scam. I proactively requested a new credit card at the time of the incident because I was targeted through a scam email, but Bank of America failed to change my card number leaving my account vulnerable. When I requested a new credit card due to potential fraud I got mailed the same card number! 

After I reported the fraudulent charges, the bank issued a temporary credit but has not finalized the resolution. I have repeatedly asked for updates and it is past 45 days, but they have not been helpful. A executive representative named XXXX has been assigned to my case, but she refuses to provide written updates via email despite multiple requests. Instead, she only attempts to call me during regular business hours, which is not always feasible for me to respond  to. I also am XXXX XXXX XXXX  and explained in an email that I would be XXXX  with limited phone access and I was called during that time. She NEVER answers calls and it goes right to voicemail. She stated she would email me today after telling me there is no update, they were just waiting on merchants to get funds. This issue was solely cause by the bank and I have proof of that.

I feel Ive done everything Im supposed to as a customer I reported the fraud, requested a new card, and asked for communication in writing but Ive been met with poor service and uncertainty. The ongoing delay and refusal to communicate in my preferred method are unacceptable. 

What would you like the company to do to fix the problem?

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 monetary relief
Consumer complaint received 2025-09-24 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/2025, I made a one-time purchase from XXXX XXXX for {$45.00}. My order confirmation ( attached ) clearly shows the total as {$45.00} with no subscription or recurring payments. The product was never delivered, and I disputed that charge with Wells Fargo at the time. Wells Fargo credited that transaction. 

However, in the months following, XXXX XXXX began charging my card {$39.00} per month without my authorization. I never agreed to these recurring charges, and the merchants website/order page does not disclose any subscription or membership program. These charges were new, separate, and unauthorized. 

I filed disputes for these {$39.00} charges. Wells Fargo denied them, stating that because I had my card in hand ( not lost or stolen ), the charges werent fraud. This reasoning is incorrect. The merchant stored and reused my card without consent, which constitutes unauthorized use. 

I specifically told Wells Fargo I had proof that no subscription existed ( my order confirmation email and screenshots of the merchants website ). I offered to email or deliver this evidence. Wells Fargo refused, telling me they were not requesting information from me and directed me back to the merchant. They also did not provide me with any merchant documentation to support their denial.

This is not a proper investigation under the Fair Credit Billing Act ( FCBA ). Wells Fargo failed to conduct a reasonable, good-faith review of my dispute and closed my claims without considering my evidence.

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 monetary relief