vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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:
am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 2025-12-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-12-19 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 look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-12-19 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:
Re : Account XXXX XXXX XXXX  Account Number : XXXX COMPLAINT SUMMARY I am submitting this complaint to dispute inaccurate credit reporting by TransUnion in violation of the Fair Credit Reporting Act ( FCRA ).

TransUnion is reporting three ( 2 ) 30-day late payments on my XXXX XXXX XXXX account referenced above. This reporting is inaccurate and not supported by consistent or verifiable information from the furnisher.

FACTUAL BASIS OF DISPUTE 1. The XXXX XXXX XXXX account referenced above is reported by XXXX  as paid as agreed with no late payments and reflects a positive payment history.

2. The same account was deleted in its entirety by XXXX  after it could not be verified consistently.

3. Despite this, TransUnion continues to report three TWO 30-day late payments for the same account, TransUnion HAS ALREADY REMOVED ONE LATE PAYMENT, demonstrating the information was not fully verifiable. creating a material inconsistency in reporting across consumer reporting agencies.

4. Because the same furnisher is reporting conflicting information to different consumer reporting agencies, TransUnions reporting of late payments can not be considered accurate, complete, or verifiable.

5. Continued publication of derogatory information that is contradicted by the furnishers reporting to XXXX  violates TransUnions duty to ensure maximum possible accuracy.

VIOLATIONS OF LAW 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( b ) REQUESTED RESOLUTION I am requesting that TransUnion immediately correct the XXXX XXXX XXXX account to reflect Paid as Agreed/ Never Late, consistent with the furnishers reporting to XXXX. If the information can not be verified accurately and consistently, the account must be removed.

ATTACHMENTS Screen Shot of Original TransUnion Report CFPB Complaint Letter TransUnion credit report XX/XX/year> Equifax credit report XX/XX/year> Government-issued identification Social Security card Submitted by : XXXX XXXX XXXX aka XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit 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: WA

Complaint narrative:
I am submitting this complaint regarding interest charges of approximately {$2000.00} that were applied to my Wells Fargo XXXX XXXX credit card after a promotional no interest for 12 months period.

I was not aware that the card had to be paid in full by a specific date to avoid retroactive interest, and I did not receive clear notice or reminder prior to the interest being charged. The interest appeared without advance communication explaining that it would be applied if the balance was not paid in full by the deadline.

I contacted Wells Fargo customer service to dispute the charges and got my case escalated to the executive office. They offered to waive only {$500.00} of the interest but did not provide any written explanation for the partial waiver nor did they send an email they promised to send within 10 business days.

I was told I would receive an email and communication from the assigned case manager, but I never received an email nor a follow-up. I also requested to speak directly with the case manager and have not received a return call as promised. I have made several calls to no avail.

Given the promotional nature of the credit product, the lack of clear notice or reminders, and the failure to provide written communication or case manager follow-up, I am requesting a full review and reversal of the remaining interest charges as a courtesy adjustment.

I have otherwise maintained my account in good standing and made payments as required. I believe the partial waiver indicates Wells Fargo acknowledged issues with how the interest was applied or communicated.

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 2025-12-19 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: MD

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance {$5900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: KS

Complaint narrative:
I would like to file a complaint for incorrect information on my credit report please see attachment. 


Please see attached documents for complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
I called lakeview loan services on XX/XX/XXXX to ask what approximate amount I could make on new home to participate in an auction. I shared with Lakeview that I would lose the required $ XXXX down if not approved. I was given a rough estimate of $ XXXX. On XX/XX/XXXX, I bought a home for $ XXXX on auction, giving the auctioneer $ XXXX down. The auctioneers require closing within 30 days. However, I informed them I would be out of town, and they gave the closing date of XX/XX/XXXX to share with Lakeview.

I then began the closing process. I also had a condo on an FHA loan with them that I was living in at the time. I was told I would need it rented out or sold prior to closing. I said I would get it rented out. 
On XX/XX/XXXX I was conditionally approved and was told I would close on XX/XX/XXXX. Then on XX/XX/XXXX work. I was told that there was a series of additional information needed in order to close on XX/XX/XXXX. The Lakeview portal provided me with the closing amount on XX/XX/XXXX of {$2700.00} per the closing disclosure. However, from XX/XX/XXXX to XX/XX/XXXX I was requested information daily M-F and I repeatedly asked them via phone and email when will I close. Then even the auction company began emailing Lakeview and calling to find out when or would I close and I could never get a definite answer during that time. I rescheduled movers from XX/XX/XXXX to XX/XX/XXXX. When I didn't get a definite answer from Lakeview except were trying to get you closed asap was there only response. Tenants were expecting to move in on XX/XX/XXXX into my condo but I had nowhere to go without a closing date. On XX/XX/XXXX the moving company I had no closing date yet and needed to postpone, their next availability was XX/XX/XXXX. I then told the expected tenants that I didn't know when I was closing and I couldn't go anywhere until XX/XX/XXXX. The Tenants asked if they could opt out and get their down payment back. Finally, on XX/XX/XXXX, I called the manager and was told, you can close tomorrow. What? Are you serious. I asked what time and he said after XXXX. I asked why anyone didn't tell me this?! They said underwriting just got everything approved. On the morning of XX/XX/XXXX 3 hours before the closing they provided a new Closing Disclosure via the portal, not three days before, but again 3 hours before my closing that my closing cost would now be {$7800.00}. I called everyone I could at Lakeview and no one would answer my call and left several messages about how I was supposed to come up with approx. {$5100.00} dollars more. Not to mention no longer having an immediate incoming tenant. As of today, I have not found a tenant or a buyer.

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 2025-12-19 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: AR

Complaint narrative:
The account listed is erroneous and is being reported under my name without justification.

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 2025-12-19 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: FL

Complaint narrative:
I am submitting my fifth follow-up complaint to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable charged-off accounts appearing on my credit reports with Experian, Equifax, and TransUnion XXXX as these items are causing severe harm to my creditworthiness and misrepresent my financial history. 

The first set of inaccuracies concerns my XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, reported with balances of {$32000.00} and {$32000.00} on Experian and TransUnion, both inaccurately listed as charged-off without proper documentation, including the required 1099-C for debts over {$600.00}, violating FCRA 607 ( b ), 15 U.S.C. 1681e ( b ). Despite prior disputes, these accounts remain on my reports, constituting a violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) / 1681c-2, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as the furnishers failed to ensure accuracy before reporting. 

Additionally, my XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts, each showing a {$0.00} balance, are inaccurately reported across Experian, Equifax, and TransUnion, despite being fully paid and closed, demonstrating ongoing reporting of unverifiable and misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
I am submitting my fifth follow-up complaint to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable charged-off accounts appearing on my credit reports with Experian, Equifax, and TransUnion XXXX as these items are causing severe harm to my creditworthiness and misrepresent my financial history. 

The first set of inaccuracies concerns my XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, reported with balances of {$32000.00} and {$32000.00} on Experian and TransUnion, both inaccurately listed as charged-off without proper documentation, including the required 1099-C for debts over {$600.00}, violating FCRA 607 ( b ), 15 U.S.C. 1681e ( b ). Despite prior disputes, these accounts remain on my reports, constituting a violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) / 1681c-2, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as the furnishers failed to ensure accuracy before reporting. 

Additionally, my XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts, each showing a {$0.00} balance, are inaccurately reported across Experian, Equifax, and TransUnion, despite being fully paid and closed, demonstrating ongoing reporting of unverifiable and misleading 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 2025-12-19 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: NJ

Complaint narrative:
This is a follow-up complaint regarding inaccurate and unauthorized hard inquiries that were placed on my credit report in connection with a vehicle purchase. I previously filed a complaint with the CFPB regarding this issue, however the matter was not resolved, and the inquiries remain on my credit report.

After purchasing my vehicle, multiple hard inquiries appeared on my credit report from lenders that I did not directly authorize to access my credit. I did not provide written or verbal consent to each of these companies to pull my credit report.

I disputed these inquiries through the credit reporting agencies, but they were verified without proof of authorization and not removed.

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require a permissible purpose and consumer authorization. To date, the companies have failed to provide documentation showing valid authorization or permissible purpose for these inquiries.

I am requesting the removal of all unauthorized hard inquiries and correction of my credit report.

HERES THE LIST OF THE HARD INQUIRES 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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
My account been locked for over two weeks because I changed my phone number. I had to change my number because my phone is broke, I cant get a new phone because my money from My hard work at my job is frozen and they wont allow me to access my funds to pay for a new phone. I couldnt upload what they needed through text message as I explained to them numerous times. So after a week and about 10 phone calls to the resolution team someone in that department finally sent a link to my email for me to take a picture from someones elses device and send it to my phone or email and upload it that way in which I did, after I did that on Monday and called they kept saying the same thing that I need to upload thru text. At this point i missed over a week off work because I have to get a XXXX  or XXXX to work EVERYDAY. So now Im about to lose my job because of credit karma. And risk getting evicted with my family if I cant pay my rent. I lost a lot during this past week because of this and dealing with distress. I called every day of the week since its been froze and kept getting no help at all. You would think they all work with different corporations because everyone says something different today XX/XX/XXXX I was able to talk to someone again for the hundredth time and this time they sent me a link through my email again, and I upload it again with they asked for and after that they asked me a few questions which I answered and gave me a case number and said they dont know when it will be resolved they cant tell me a time and date nothing and I explain to them. Im about to lose my job if I miss another day at work which they didnt care at all I said well you just have to wait. We dont know when its going to be reviewed. This has been going on for almost 2 weeks again I lost a lot. I cant get my phone. Im losing my job which is gon na cause me to lose my home and be out on the street with my children. Because theyre holding my money that my job direct direct deposited into my account. I uploaded my work ID my Social Security card my both state drivers license that I have everything and even did a selfie 23 times actually my next step is contacting a lawyer to file a lawsuit for all my loss, wages and emotional distress for me and my children.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. 

After reviewing my credit reports through XXXX, I discovered multiple inaccurate and unverifiable accounts and personal information that require immediate correction. I formally disputed these items and requested a lawful reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This complaint also serves as a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is not a vague or frivolous dispute. I provided sufficient identifying documentation and lawfully authorized a third-party service to submit my dispute. Despite this, the credit bureaus failed to perform a reasonable and good-faith reinvestigation into all disputed information, including every associated data field, code, and reporting element, as required by federal law. 

The disputed tradelines are reporting inaccurate or unverifiable information. If any portion of an account, including balance, status, payment history, remarks, or date opened, can not be verified as accurate, the bureaus are legally required to delete the tradeline entirely under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus are also required to follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ), and provide a clear method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). These obligations have not been met.

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