vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
So, As I stated before with the issue with wells fargo I understand that on their behalf it doesn't up the payments on their half. After speaking with XXXX XXXX XXXXXXXX back and forth numerous times they stated that they do see the payments being taking out of my account. I don't see where the issues is but I really need the Issued fixed with the account. I am one of the estates on my grandmother XXXX XXXX account and I am the one taking care of the mortgage. The house is in probabte as we speak and need the issue resolved

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 2025-12-09 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
A data breach at Equifax in XXXX and TransUnion in XXXX exposed the personal information, including names, dates of birth, and Social Security numbers, of over XXXX individuals via a third-party application. TransUnion has confirmed the breach and is notifying affected individuals by mail, offering XXXX years of free credit monitoring and proactive fraud assistance. Affected individuals should secure their accounts by setting up credit freezes, monitoring credit reports for suspicious activity, and being vigilant against phishing attempts. 

I am writing to report that I have been a victim of identity theft. I recently discovered that someone has used my personal information without my permission to open fraudulent accounts make unauthorized charges commit other acts Remove this account I take this matter very seriously and appreciate your immediate attention.i was identity theft victim Please contact me by email or regular mail with any questions or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services
State: CA

Complaint narrative:
CFPB, I am filing a complaint against XXXX XXXX XXXX regarding an adverse action notice I received after submitting a loan application. Although the lender stated that they obtained information from XXXX XXXX, the notice still appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) because it was incomplete, confusing, and misleading. 

1. The adverse action notice failed to disclose the actual credit score used.

The letter referenced score ranges, but the actual score used in the decision was left blank, which violates FCRA 609 ( f ). A lender must disclose : The exact score used, The score range, and The key adverse factors.

I was given the range, but no scoremaking the disclosure incomplete.

2. The letter confusingly states the reporting agency played no part in our decision, which contradicts the denial reason. 

Even though the notice mentions XXXX XXXX, it also states : The reporting agency played no part in our decision. 

However, the denial reason clearly states : XXXX : XXXX XXXX XXXX XXXX XXXX. 

The XXXX XXXX XXXX is a XXXX XXXX proprietary scoring model. This means XXXX data did play a role in the decision, and the lenders wording is contradictory and misleading. This prevents me from clearly understanding how the decision was made or how to exercise my dispute rights. 

XXXX. The explanation of the denial reason was vague and not compliant with FCRA requirements. 

The letter used internal terminology such as : Vendor did not approve XXXX XXXX XXXX XXXX XXXX This terminology is not meaningful to a consumer, and it does not meet the FCRA requirement that adverse factors be clearly and specifically disclosed. I was not told what specific information from XXXX  caused the denial. 

XXXX. The notice still failed to provide sufficient information to exercise my rights. 

Even though XXXX  was listed somewhere in the notice, the combination of : A missing score, Contradictory statements about the reporting agencys role, Vague denial explanations, and Lack of consumer-understandable adverse factors made it impossible for me to understand the basis for the decision or to properly review or dispute the information used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for continuing to report XXXX XXXX  accounts that are not mine. The accounts are : Experian : Account # XXXX Closed with XXXX late payments, Charge Off status Equifax : Account # XXXX {$26000.00} balance, XXXX late payments, no charge-off marked TransUnion : Account # XXXX Marked as Charge Off / Bad Debt, no payment history I have never held these accounts, never authorized any inclusion, and the accounts belong to someone else with the same or similar name. The inconsistent reporting between bureaus and missing payment history constitutes mixed-file / wrong person reporting and creates significant harm to my creditworthiness. 

Under FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer reports. Under FCRA 1681s-2 ( b ), furnishers must verify and correct any disputed information. Reporting accounts belonging to a different individual without verification is a violation of these statutes. 

XXXX  v. TransUnion ( XXXX ) : TransUnion was required to remove accounts incorrectly reporting under a consumers name after failing to verify the identity ; the consumer prevailed, and mixed-file accounts were deleted. 

XXXX v. Experian ( XXXX ) : Experian was compelled to delete accounts belonging to another individual after repeated disputes ; the court emphasized that unverifiable accounts must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MN

Complaint narrative:
I am formally requesting a full reinvestigation of all inaccurate, incomplete, and unverified information currently appearing on my XXXX  credit file. Under FCRA 611 ( a ) ( 1 ) ( A ) you are required to investigate all items I dispute, and under 607 ( b ) you must ensure maximum possible accuracy.

Because these items contain reporting conflicts, date inconsistencies, unverifiable data, and prior disputed marks, I am demanding a complete reinvestigation and deletion if verification can not be proven with original source documentation. 
XXXX. PERSONAL INFORMATION REMOVE IMMEDIATELY These names and addresses do NOT belong to me and must be deleted : Names to DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MN XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX MN XXXX These outdated identifiers cause mixed-file issues and violate XXXX ( b ) accuracy standards. 
XXXX. PUBLIC RECORD BANKRUPTCY The bankruptcy reporting requires reinvestigation because : Source data often comes from third-party vendors ( not PACER ) Information may be incomplete or mismatched It is harming me and must meet strict accuracy standards If you can not verify with original court documentation, delete under 611 ( a ) ( 5 ).

3. COLLECTION ACCOUNT DELETE Your file shows 1 collection account. This account is being disputed because : Ownership is unclear No chain of title provided Balance reporting conflicts across bureaus No validation ever sent to me Under FCRA 611 + FDCPA 809 ( b ), unverified debt must be removed.

4. LATE PAYMENTS MULTIPLE ACCOUNTS I dispute ALL late-payment notations as inaccurate, unverified, or incomplete : Revolving accounts with disputed lates : XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX ( multiple accounts ) These contain reporting inconsistencies, different dates between bureaus, and unverifiable late codes. 
Auto loans with disputed lates : XXXX XXXX XXXX XXXX XXXX XXXX dates violate 607 ( b ) and must be corrected or deleted. 
Student loans ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These contain : Dispute resolved consumer disagrees notations 90- and 120-day lates reported during deferment periods Contradictory current statuses while showing major delinquencies This violates 607 ( b ) and must be removed if not verifiable line-by-line.

5. HARD INQUIRIES REMOVE UNAUTHORIZED Reinvestigate all inquiries within the last 24 months. Delete any that can not be tied to a signed application or permissible purpose under FCRA 604.

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 2025-12-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the information listed below on my credit report as inaccurate or incomplete. I respectfully request that you investigate the following accounts, as they may not be reported correctly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX  Account Number : XXXX Balance : [ Balance ] Date Opened : [ Date ] XXXX Account Number : XXXX Balance : [ Balance ] Date Opened : [ Date ]

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 2025-12-09 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:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am disputing the following accounts. Please investigate the following items based on the information provided : Charged Off Viva Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-09 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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts on my credit report with the respective bureaus. Please review and correct the discrepancies. 

Charged Off Accounts : 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 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 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 2025-12-09 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: KS

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my credit report from Equifax. These accounts are inaccurately reported and require a thorough investigation and correction. 

Charged Off Accounts : 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 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 2025-12-09 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
SoFi Bank restricted my account on Friday XX/XX/year> without warning or allowing me to withdraw my remaining funds and stated the account is in the process of being closed. {$350.00} of my funds are inaccessible. I have repeatedly requested a timeline for completion of closure and release of funds and have been told no timeframe or details can be provided. I am not disputing the closure decision because I no longer want to bank with a bank who close accounts for no reason, I only request the timely return of my funds or to be able to get the restriction lifted long enough for me to go to an atm and withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Take a look at the materials given ; the questions were received without prior notice and could be unapproved.

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 2025-12-09 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: CT

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 non-monetary relief
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-09 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: FL

Complaint narrative:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-12-09 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: NV

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