vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FRAUDULENT CREDIT INQUIRIES XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX Credit/Central XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Credit Card XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXX Card Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous / Finance XX/XX/XXXX SWORN STATEMENT I affirm under penalty of perjury that the accounts and/or credit inquiries listed above are fraudulent and were not authorized, initiated, or consented to by me. I was not provided clear or transparent terms and conditions regarding the use of my personal information, nor was I informed that it would be reported to consumer reporting agencies. The absence of informed consent constitutes identity theft and unauthorized use of my personal information. I request the immediate and permanent deletion, suppression, and blocking of these items from my consumer credit file, pursuant to my rights under the Since the official FTC ( Federal Trade Commission ) website for fraud reports reportfraud.ftc.gov is temporarily out of service ( shutdown ), this letter serves as a formal identity theft report and dispute notice pursuant to the FCRA.

Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681b ).

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I am submitting this complaint because my XXXX XXXX XXXX XXXX Mortgage account is being reported inconsistently across all XXXX major credit bureaus, resulting in inaccurate and misleading information on my credit reports. 
Each bureau lists different and contradictory details for the same mortgage loan. Specifically : XXXX  reports XXXX account ( XXXX ) as delinquent dated XX/XX/year>, while another account ( XXXX ) for the same loan shows Paid / Closed Never late. 
XXXX  reports XXXX account ( XXXX ) with a delinquency under payment history but lists the subsequent account ( XXXX ) as paid in XX/XX/year> and never late. 
XXXX  shows the same pattern XXXX account ( XXXX * * * * ) reported late and another ( XXXX * * * * ) paid as agreed. 
XXXX lists Account XXXX as XXXX  days past due on XX/XX/year>, even though the payment was not due until XX/XX/year>, and the account was transferred immediately thereafter. 
These conflicting entries all refer to the same mortgage, which was never late and was paid in full at transfer. Reporting XXXX account as delinquent while another lists on-time payment is inconsistent, violates the FCRAs accuracy standards under 15 U.S.C. 1681e ( b ) and 1681i ( a ), and has negatively affected my credit standing. 
I have disputed the information with all XXXX bureaus ( XXXX XXXX XXXX, and XXXX ). Each dispute references the same underlying error the alleged XXXX delinquency in XX/XX/year> which is factually incorrect. I am requesting CFPB assistance to ensure each bureau conducts a lawful and thorough investigation and corrects this 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: NY

Complaint narrative:
Having a termination fee that I was unaware of due after paying every month on time, and turning the vehicle in on time, I was informed XXXX months later that I owed {$420.00}. This information was not shared with me and when you go to pick up a new vehicle signing multiple copies of papers Im not sure why I would have to pay {$420.00} to give them the vehicle back. I have tried speaking that to them numerous times as they continue to call me. They said they would send me a settlement for some discounted rate but I have yet to get that. I continue to get phone calls and I continue to pay them very little every month. I believe the dealers and the bank work together for this fee that was never explained.

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 2025-11-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting that these collection entries be reviewed, and if they can not be confirmed as correct, they should be removed from my report.

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 2025-11-04 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I see on my credit report there's a balance of {$510.00} owed, and that they purchased this debt from another company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I didnt receive the first pay card that was sent to me by US Bank so I called them on XX/XX/year> and asked them about this. In that phone call, I was advised that a card had been sent out, activated, and used. 

Multiple unauthorized transactions have been done that were over {$900.00}. I didnt have the card in my possession because I never received the card. A dispute was initiate it and I faxed the written confirmation and signed document on XX/XX/year>, which was within the 10 day timeframe required under Reg E. However, I was told via phone today that on XX/XX/XXXX, XXXX before receiving anything in writing from me and before the 10 day deadline- U.S. Bank denied my dispute. They stated - without evidence or investigation- that no error occurred. 

I reject this statement because they didnt even conduct an investigation and they didnt even have anything in writing from me, including the affidavit I sent in compliance with Reg E on XX/XX/XXXX. 

I didnt make any of the transactions because the card was never in my possession. I request that the dispute is investigated now that they have my written dispute and that I am immediately provided with provisional credit for use during investigation. We are past the 10 day provisional dispute requirement under Reg E. 

The card was not in my possession because I never received the card that was sent in XX/XX/year> and furthermore, they can see that the same credentials were not used to activate the card in XXXX that were used in XXXX. It wasnt even activated likely from my phone number or IP address so And the transactions were not done anywhere near where I live so they should be able to confirm this that I didnt do these transactions. 

Its unacceptable to say no error occurred when the card wasnt received and an investigation was not conducted. They ruled on it at XXXX or XXXX business days without giving me the XXXX business days to submit the written dispute. They received my written confirmation on the ninth business day. Please come into compliance with Reg E.

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 2025-11-04 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: CA

Complaint narrative:
My account has no history of lateness, making this report both misleading and incorrect. I ask for its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
These accounts were neither opened nor authorized by me and appear fraudulent. I formally request that they be expeditiously deleted from my credit history and subjected to a proper investigation. Documentation is provided.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a dispute about inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to complete its investigation within 30 days ( or 45 days if additional documentation is provided ). 

I submitted my dispute on [ insert exact date ]. I received a faxed response acknowledging the dispute, but no investigation results have been provided as of [ insert todays date ], which exceeds the allowed time limit. 

I followed up with a formal demand letter ( sent via fax and certified mail ) requesting resolution and removal of unverifiable information per FCRA 611. I have proof of delivery and fax confirmation. 

I am now requesting CFPB assistance to ensure this matter is resolved properly and my rights under federal law are enforced.

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 2025-11-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am filing a dispute regarding the following accounts that I believe are reported inaccurately with TransUnion : 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 XXXXXX/XX/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 2025-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a set of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately {$320.00}. After installation, I discovered that the lights were faulty they had water intrusion, poor sealing, and visible condensation inside the housing after a short period of use. I contacted the seller immediately through XXXX, provided clear photos of the issue, and requested a refund. 

The seller refused a refund and instead offered to send a replacement set. I agreed in good faith, hoping the second pair would be functional. However, the replacement set arrived with the exact same issue water and moisture inside the lights again proving they were defective. I also provided pictures of the second defective pair as evidence. 

I disputed this purchase with my Capital One credit card, explaining clearly that both sets were defective and unsafe to use. The seller provided proof that they sent a replacement, but Capital One sided with them based solely on proof of shipment, ignoring the fact that the replacement was also defective and that I had submitted clear photographic evidence of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Charged-Off Accounts I am disputing the charged-off account ( s ) reported by Experian. These accounts are being reported inaccurately or may not belong to me. I request a full reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) 611. Please provide all documentation verifying these accounts, including the original creditor name, account details, and charge-off date.

If Experian can not fully verify the accuracy and ownership of the account ( s ), I request their immediate deletion from my credit file. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize these companies to access my credit file. These inquiries were not initiated by me, nor did I apply for any credit with these entities. I am requesting that Experian remove these unauthorized inquiries immediately. 

Positive Accounts ( Do Not Remove ) The following accounts are accurate and should remain unaffected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo closed my account and refused to tell me what happened to my funds. I deposited money via the atm into my account and after trying to XXXX Wells Fargo locked my account and open a id theft case on my behalf without my permission, I never reported any such thing and now they have closed my account and I have received no word on when I will get my funds back, they owe me 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 2025-11-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally complain and dispute issues related to the repeated transfer of my student loan account. 
My student loan has been transferred multiple times in a short period. The frequent transfers from Fed loan to Nelnet to now XXXX have resulted in lost payment information, misapplication of payments, changes to my repayment plan, inaccurate balance reporting, difficulty accessing account information.

Company response to consumer: Closed with explanation