vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was in conversation with a business owner in order to receive a service. We agreed on a deposit amount and I verified the business was legit. After sending the deposit to him, the owner informed me he would not be able to render services. I asked for a refund and he refused, blocking me and ignoring me. I filed a dispute with Wells Fargo who denied it because there was no bank error and XXXX refused a refund in the amount of {$200.00}. I have proof that the contract made between me and the other party was not adhered to, therefore needing to be rectified. All Im asking is for my money back since I didnt receive the services promised.

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 2025-08-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 2025-08-08 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:
I request removal of these accounts within 15 days, as I am not responsible under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
Dear CFPB Representative, I am submitting this request for investigation regarding inaccurate credit reporting by XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Summary of the Issue : XXXX XXXX XXXX has reported an outstanding balance on my account that is factually incorrect. As evidenced by the attached monthly statement, my balance was paid in full as auto pay on the last day of month leaving no remaining amount owed. Despite this, XXXX continues to report an inaccurate balance to the credit reporting agencies. 

Legal Basis for Investigation : Under FCRA 1681s-2 ( a ), furnishers of information have a duty to provide accurate information to consumer reporting agencies. Continuing to report an incorrect balance is a clear violation of these obligations. 

Furthermore, FCRA 1681i ( a ) requires that, once a dispute is filed, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate or unverifiable information within 30 days. To my knowledge, XXXX XXXX XXXX has not fulfilled this requirement, as the inaccurate information remains on my credit reports. 

Requested Action : I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX continued reporting of an inaccurate account balance. 
XXXX. Ensure that XXXX XXXX XXXX corrects the account history with all credit reporting agencies ( Equifax, Experian, and TransUnion ) to reflect a {$0.00} balance as of [ date paid ]. 
XXXX. Require XXXX XXXX XXXX to comply with its obligations under the FCRA and remove any inaccurate information from my credit file. 

Evidence Provided : Monthly account statement from XXXX XXXX XXXX showing the account paid in full. 
This inaccurate reporting is negatively affecting my creditworthiness and violates my rights under the FCRA. I request your prompt assistance in addressing this matter and ensuring full compliance with federal law. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as required under 12 cfr 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report. 

OR This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. 

I've already tried to resolve these issues directly with them, but they continue to violate my rights. F or each violation listed, I am entitled to XXXX. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CBC Companies, Inc.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
This is a formal follow-up to my prior dispute regarding inaccurate and unverifiable information on my credit report. This matter now requires immediate resolution due to your continued noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Equifax has already deleted the negative accounts from my credit report after determining they were inaccurate or unverifiable :

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 2025-08-08 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-08 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via XXXX XXXX ) Re : Complaint Against Experian and XXXX Bank Delaware for XXXX XXXX XXXX XXXX Account # XXXX Dear CFPB : I am filing a complaint against Experian and XXXXXXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX information on account # XXXX, reported on my Experian credit report dated XX/XX/XXXX, and potentially on XXXX XXXX XXXX Despite over XXXX disputes since XXXX, Experian and XXXX have failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( XXXX ). 

Inaccuracies include : - Status " Account charged off. {$1400.00} written off. {$1800.00} past due as of XX/XX/XXXX '' inaccurate, as charge-off precludes ongoing past due post-charge-off. 
- Status updated XX/XX/XXXX, but " co '' updated XXXX XXXX re-aging. 
- XXXX late on both XXXX and XXXX XXXX duplicate. 
- Charge-off reported monthly XXXX XXXX XXXX repetition per XXXX. 

These errors have caused significant harm : a XXXXXXXX XXXX XXXX, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and XXXX XXXX XXXX XXXX XXXX XXXX ). Experian and XXXX failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. 

I demand Experian and XXXX investigate, delete this unverifiable tradeline from all CRAs, and provide documentation ( e.g., statements, ledgers ) to substantiate reporting. I am mailing a detailed dispute to Experian via certified mail on XX/XX/XXXX. Please ensure compliance promptly to mitigate further harm. 

Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Experian credit report pages.

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 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX has falsified books and records regarding asset verification, asset reserves, and down payment information ( as verified by Rocket Mortgage 's Customer Care Team ). XXXX XXXX suspended our loan with no communication or transparency, impacting our loan process ( as verified by Rocket Mortgage 's Customer Care Team ). XXXX XXXX refused to communicate and/or be transparent about the needs of documents XXXX was requesting. XXXX XXXX refused to acknowledge information or action we have requested from XXXX on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than XXXX  XXXX  ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my XXXX XXXX, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
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: IL

Complaint narrative:
XXXX  loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/ FTC Identity Theft Report ( FTC Report Numbers : XXXX / XXXX ) as evidence supporting my identity theft claim. 

As stated in 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four ( 4 ) business days. 

I am notifying you that I have been a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

My credit report contains fraudulent accounts and hard inquiries that are not associated with me. All supporting documentation is included in this packet, and copies have been sent to your agency both via fax and Certified Mail. 

I request the immediate removal and blocking of the following fraudulent accounts and hard inquiries from my credit report : Fraudulent 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 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 2025-08-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX of 2025 i called XXXX from there i was given their security department humber XXXX. 
I talked to XXXX. She refused to give me her badge number, XXXX also refused to transfer me to her supervisor. 
I originally called the bestbuy city credit card number to make a payment. They informed me that the amount was reported as fraud and i didn't have to make a payment. I said i want it off my credit report. That is when i was given the XXXX number. When i talked to XXXX she said she has to talk to their security department which directly contradicts their XXXX directives. The person i talked to made it sound very easy, they said call this number they will give you a letter then you can use that. 
Either let me make a payment or take away the fraudenlt charge. 
I will never bank with city. Horrible costumer service, they play games.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) has refused to work with me during a documented financial hardship and continues to demand full payment before offering any assistance. Despite multiple written requests, they have not addressed my hardship or provided any reasonable payment plan or deferment options. 

Details : I currently have an auto loan with XXXX. 
My vehicle is inoperable due to serious engine problems caused by a defect that is the dealerships fault. This issue has prevented me from working my second job, which I rely on to cover my expenses. 
I am a single parent, and my primary income must cover rent, utilities, and basic living expenses. 
I have been making partial payments to show good faith. Recently, I set up automatic payments of {$20.00} and also made an additional {$50.00} payment today toward the past-due balance of {$230.00}. 
Communication Attempts : On XX/XX/XXXX XX/XX/XXXX XXXX I emailed XXXX Loss Prevention explaining my hardship and requesting either : A temporary hardship payment plan, or A short-term payment extension/deferment. 
I provided details of my situation, offered to continue making partial payments, and asked for confirmation in writing. 
XXXX responded only with a generic message asking me to contact them but did not address my request for assistance. 
I replied again, reiterating my situation, but they have not provided any plan or flexibility. 
My Concern : XXXX is refusing to acknowledge my hardship and is demanding full payment before offering any form of assistance. This approach ignores my documented communication and ongoing payments. It also puts me at risk of losing my vehicle, which I need to return to work at full capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MO

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