vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 implore you to promptly address this discrepancy on my credit report. I XXXX  that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I am filing this complaint regarding inaccurate and damaging information being reported by Experian and Equifax concerning my federal student loans that were previously serviced by XXXX XXXX XXXX XXXX and are now managed by XXXX XXXX XXXX ( XXXX ). 

During the XXXX pandemic, my loans were in deferment under federal forbearance policies. I received no notice from XXXX that my loans had been transferred, nor that payment was expected. Upon discovering this in XX/XX/year>, I contacted XXXX and later XXXX and resumed making payments immediately in good faith. 

Despite this, both Experian and Equifax continue to report these accounts as severely delinquent, listing multiple XXXX, XXXX, and XXXX late payments. Meanwhile, TransUnion has updated the same accounts to show them as current with no derogatory status. 

I have sent certified dispute letters to Experian and Equifax with documentation including my ID, Social Security card, marriage certificate, and copies of my good-faith correspondence to XXXX. These have gone unanswered or uncorrected.

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 2025-06-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I applied for auto financing XXXX time through XXXX XXXX and once through XXXX XXXX. I was approved through XXXX XXXX by XXXX XXXX, who is now my lender. I did not authorize any other lenders or dealerships to access my credit. However, over a XXXX companies have pulled my credit report, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and others. These were not companies I applied with, contacted, or gave permission to. 

Additionally, XXXX XXXX has multiple hard inquiries listed for a single application. I only applied once. This appears to be a case of shotgunned credit applications and improper use of my personal credit file.

I disputed this directly with Equifax and was told the inquiries are factual and can not be removed. However, under FCRA Section 604, these companies must have a legitimate, consumer-initiated purpose for pulling my credit. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
escrow analysis includes forced place insurance without prior notification surplus of escrow funds " increased '' monthly payment eff XX/XX/XXXX instead of a " surplus '' reduction to lower future payments ; how could this be possible when there is a foreclosure sale date on XX/XX/XXXX completed application from Wells Fargo should have halted the " Foreclosure '' but instead escalated the process with a sale date Wells Fargo ( WF ) sold the loan to Shellpoint who initially blocked me from submitting documents ; now they accepted documents ; expect a payment on XX/XX/XXXX from the original trial payment plan from WF yet canceled the existing " trial payment plan approval '' ; dates are backdated to reflect their time of error like on XX/XX/XXXX, instead of " real time '' like XXXX after numerous phone calls ; for example, XXXX refused to speak to me between XX/XX/XXXX thru XXXX about the loan because they said the information on file was only related to the " Estate '' documents received weeks later who back dates including a certified letter receive

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 2025-06-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding inaccurate and damaging information being reported by Experian and Equifax concerning my federal student loans that were previously serviced by XXXX XXXX XXXX XXXX and are now managed by XXXX XXXX XXXX ( XXXX ). 

During the XXXX pandemic, my loans were in deferment under federal forbearance policies. I received no notice from XXXX that my loans had been transferred, nor that payment was expected. Upon discovering this in XX/XX/year>, I contacted XXXX and later XXXX and resumed making payments immediately in good faith. 

Despite this, both Experian and Equifax continue to report these accounts as severely delinquent, listing multiple XXXX, XXXX, and XXXX late payments. Meanwhile, TransUnion has updated the same accounts to show them as current with no derogatory status. 

I have sent certified dispute letters to Experian and Equifax with documentation including my ID, Social Security card, marriage certificate, and copies of my good-faith correspondence to XXXX. These have gone unanswered or uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 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: NC

Complaint narrative:
I am writing to dispute certain credit inquiries listed on my Equifax, Experian, and TransUnion credit report that I believe are either unauthorized or inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are prohibited from releasing credit information unless there is a permissible purpose. 
Disputed Inquiries : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize these companies to access my credit file. Therefore, I request that Equifax investigate and remove these inquiries, as required by FCRA 611 [ 15 U.S.C. 1681i ] if a permissible purpose can not be verified.

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 2025-06-16 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: NC

Complaint narrative:
I am writing to dispute certain credit inquiries listed on my Equifax, Experian, and TransUnion credit report that I believe are either unauthorized or inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are prohibited from releasing credit information unless there is a permissible purpose. 
Disputed Inquiries : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize these companies to access my credit file. Therefore, I request that Equifax investigate and remove these inquiries, as required by FCRA 611 [ 15 U.S.C. 1681i ] if a permissible purpose can not be verified.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear Capital One, I am writing to formally appeal the closure of my accounts, as referenced in CFPB case XXXX. As a loyal customer of over 17 years with an impeccable record, I am deeply disappointed by the closure of my accounts due to misinformation provided by your representatives. I respectfully request a thorough review of the circumstances leading to this decision and the immediate reinstatement of my accounts. Below, I outline the details of the issue and propose a fair resolution to rectify this matter. 

On XX/XX/XXXX, I spoke with a female caseworker regarding CFPB case XXXX and provided detailed information about a critical XX/XX/XXXX phone call that directly led to the closure of my accounts. Unfortunately, the caseworker did not review the correct call, as evidenced by the response letter to the CFPB case, which failed to address the XXXX call entirely. This call is pivotal, as it contained assurances from a Capital One representative that my transactions were permissible, aligning with agreements made via email and phone in XXXX. These assurances were the basis for my continued transactions, which I conducted in good faith, trusting the information provided by your representative. 

I can provide certified documentation from my phone company confirming the details of the XXXX call, including date, time, and duration, to my phone number, ( XXXX ) XXXX. The closure of my accounts stems from a misunderstanding or miscommunication that was not my fault but rather a result of relying on incorrect guidance from Capital One. As a customer, I place significant trust in the accuracy of information provided by your representatives, and it is unjust to penalize me with account closures due to your employees misinformation. The CFPB responses failure to address this call underscores the need for a proper investigation to ensure fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DC XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I used an XXXX  vendor XXXX  to purchase a XXXX XXXX XXXX  XXXX  back in XX/XX/XXXX. After my XXXX, I deleted the app to avoid clutter in my phone. Back in XX/XX/XXXX, I got XXXX notifications for XXXX tractions of someone purchasing XXXX XXXX XXXX  XXXX from XXXX. I download the app to investigate and I noticed the transactions. Immediately I reported it to chase bank and the vendor. I did not get prompt followups from the vendor after XXXX XXXX assuming everything is done on on their end as I requested to delete my account to avoid any future purchases. After XXXX XXXX, chase says the vendor blames fault on me for having a phone that was hacked or credit information stolen and they do not take any responsibility even though they assured me they would handle it with the bank. I preformed a virus scan on my phone and it came back clear and the physical card remains in my office at home untouched unless I travel. My phone wasn't compromised and my card hasn't moved and the app wasn't even installed on my phone so the vendor is avoiding to take accountability for offering a service without any security measures such as XXXX. I had chase reopen the claim as I've explained the situation and I'm speaking with the vendor in parallel. This vendor is limited to email and an online chat service so speaking with them is very slow. as a victim of identity theft, I refuse to pay for a service I did not use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I. Summary of Complaint I am filing this complaint against XXXX Bank, XXXX XXXX, and TransUnion for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) by re-aging charge-offs, failing to delete disputed accounts, and ignoring formal deletion requests from Elite Legal Practice in XX/XX/year>. 
Despite my formal disputes submitted on XX/XX/year>, these entities have continued reporting inaccurate charge-offs each month, preventing my credit from recovering and misleading lenders. Additionally, XXXX XXXX XXXX sent deletion requests in XX/XX/year>, yet XXXX and the credit bureaus failed to remove disputed accounts, violating their obligations under federal law. 
XXXX XXXX XXXX sent deletion requests on XX/XX/year>, yet XXXX continued reporting negative information. 

XXXX. Violations Committed by Credit Bureaus XXXX XXXX XXXX, TransUnion ) Failure to Delete Inaccurate Information ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ) XXXX XXXX XXXX ( XXXX ) Credit bureaus failed to remove disputed charge-offs despite deletion requests. 

XXXX XXXX ( XXXX ) Continued reporting of inaccurate charge-offs after formal disputes. 

XXXX XXXX ( XXXX ) Failure to delete disputed information despite XXXX XXXX Practices request. 

XXXX XXXX ( XXXX ) Credit bureaus ignored deletion requests and continued reporting charge-offs. 

Failure to XXXX Accounts as Disputed ( FCRA 15 U.S.C. 1681c ( f ) ) All above accounts Credit bureaus did not flag disputed status on the credit report, misleading lenders. 

XXXX. Florida Consumer Law Violations Reporting False Information ( XXXX XXXX ( XXXX ) ) XXXX Bank XXXX Credit Bureaus XXXX reporting false charge-offs despite formal disputes. 

Failure to Investigate Consumer Disputes ( XXXX XXXX ) XXXX Bank XXXX Credit Bureaus XXXX XXXX XXXX XXXX deletion request and failed to investigate disputes. 

Deceptive Trade Practices ( XXXX XXXX ) XXXX Bank XXXX Credit Bureaus XXXX creditworthiness by failing to correct inaccurate 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 non-monetary relief