vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: IL

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

Company 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account : XXXX XXXX Acct # XXXX Credit Bureaus Reporting : Experian, TransUnion I previously disputed this account with both Experian and TransUnion and also submitted a CFPB complaint in XX/XX/year>. Despite that, the account is still listed as a charged-off auto loan with a {$26000.00} charge-off and derogatory history, including a repossession. 

Both bureaus show this account as sold or transferred, but they continue to report it negatively. I have not received verifiable proof of this debt, nor have I provided written authorization for this account to be reported or sold to a third party as required by 15 U.S. Code 1681b and 1681e ( b ).

Additionally, if this account was sold or reassigned to another entity ( such as XXXX XXXX XXXX, which is also listed ), it should be closed and no longer reported in its current derogatory form under the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account : XXXX XXXX Acct # XXXX Credit Bureaus Reporting : Experian, TransUnion I previously disputed this account with both Experian and TransUnion and also submitted a CFPB complaint in XX/XX/year>. Despite that, the account is still listed as a charged-off auto loan with a {$26000.00} charge-off and derogatory history, including a repossession. 

Both bureaus show this account as sold or transferred, but they continue to report it negatively. I have not received verifiable proof of this debt, nor have I provided written authorization for this account to be reported or sold to a third party as required by 15 U.S. Code 1681b and 1681e ( b ).

Additionally, if this account was sold or reassigned to another entity ( such as XXXX XXXX XXXX, which is also listed ), it should be closed and no longer reported in its current derogatory form under the original creditor.

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 2025-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have yet to receive info on who originated this loan? Who processed the loan what happened to the balance when this loan was approved. None of these funds reached my bank or wife 's banking account. Meanwhile l am paying for this loan of {$190000.00} and living in the same condo. The only ones profiting from this loan restructure is Wells Fargo, XXXX XXXX and XXXX XXXX.Where is the protection? There is {$130000.00} of missing funds from this loan. I can't confirm this is my signature on these application.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I had fraud on my bank account and it drained it down to {$0.00} so my XXXX payment did not go through. I let XXXX know what happened and that as soon as the money is back I'll make the payment and get caught up. I even filed a police report and sent them the case number. 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 2025-05-13 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: CA

Complaint narrative:
I had fraud on my bank account and it drained it down to {$0.00} so my XXXX payment did not go through. I let XXXX know what happened and that as soon as the money is back I'll make the payment and get caught up. I even filed a police report and sent them the case number. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had fraud on my bank account and it drained it down to {$0.00} so my XXXX payment did not go through. I let XXXX know what happened and that as soon as the money is back I'll make the payment and get caught up. I even filed a police report and sent them the case number. 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 non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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 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 explanation
Consumer complaint received 2025-05-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported late payment from XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX that appears on my credit report. This late payment is being reported in error. I was not late on my payment during that period, and the reporting is factually incorrect. 
I have disputed this error multiple times directly with XXXX XXXX XXXX XXXX My most recent dispute was submitted on XX/XX/XXXX. Despite my efforts and documentation, the inaccurate late payment remains on my credit report, and the bank has failed to remove or correct the error.

This false report is negatively affecting my credit standing and has caused undue stress and hardship. As a consumer, I have the right to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of information report only accurate data to credit reporting agencies. 
FCRA 1681s-2 ( a ) ( 2 ) also mandates that if any data is found to be inaccurate or incomplete, it must be promptly corrected or deleted. 
By continuing to report this incorrect late payment, XXXX XXXX XXXX XXXX  is in violation of these federal requirements. I am requesting that the CFPB take immediate action to ensure this account is corrected and the inaccurate late payment from XX/XX/XXXX is removed from all consumer reporting agencies. 
Thank you for your assistance in holding data furnishers accountable and protecting consumer rights.

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 2025-05-13 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: MD

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported late payment from XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX that appears on my credit report. This late payment is being reported in error. I was not late on my payment during that period, and the reporting is factually incorrect. 
I have disputed this error multiple times directly with XXXX XXXX XXXX XXXX My most recent dispute was submitted on XX/XX/XXXX. Despite my efforts and documentation, the inaccurate late payment remains on my credit report, and the bank has failed to remove or correct the error.

This false report is negatively affecting my credit standing and has caused undue stress and hardship. As a consumer, I have the right to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of information report only accurate data to credit reporting agencies. 
FCRA 1681s-2 ( a ) ( 2 ) also mandates that if any data is found to be inaccurate or incomplete, it must be promptly corrected or deleted. 
By continuing to report this incorrect late payment, XXXX XXXX XXXX XXXX  is in violation of these federal requirements. I am requesting that the CFPB take immediate action to ensure this account is corrected and the inaccurate late payment from XX/XX/XXXX is removed from all consumer reporting agencies. 
Thank you for your assistance in holding data furnishers accountable and protecting consumer rights.

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 2025-05-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday, XX/XX/year>, I purchased a New car ( XXXX XXXX ) at the XXXX XXXX XXXX XXXX XXXX paid more than 50 % of car value in Cash down payment. XXXX was financed by Chase bank XXXX XXXX for XXXX  month. The sale person wanted me to purchase an additional warranty for this car with an added cost of {$2100.00} for a completely new car. I was very hesitant & wanted to think about it, But then he told me that I can cancel it within XXXX  days with a simple phone call with no problem. 
What he did not tell me was that if I cancel it, I would not get the refund back to me, but instead goes to the lender who is financing the 50 % of the car value ( Chase bank XXXX XXXX ). 
On Monday, XX/XX/year>, I called the sale person & requested a cancelation of the warranty. He told me that he wont 's be in office prior to XXXX noon. I decided that I do not want to take any risks. I drove my car to the dealer. Wrote an email to Sale person & emailed it to the XXXX XXXX. of the car dealer as it was requested by the XXXX XXXX. They told me to go home & this will be taken care of. 
XXXX days later on XX/XX/year>, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX contacted me & told me that they will give a refund, but not back to me, instead the refund goes to the Auto Loan lender, Chase Bank. Today, XX/XX/year>, More than XXXX weeks following the cancelation of the Warranty, I am still waiting for resolution of this matter. The dealer is unwilling to refund me my money which I paid in XXXX for this warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing a charged-off account from American Express that has been reporting a balance of approximately {$5900.00}. This account was opened years ago and became delinquent over 4 years ago. I have not acknowledged or made any payments since then. 

Under California law, this debt is time-barred, and its continued reporting with an active balance is misleading and inaccurate. I have disputed this with the credit bureaus ; AMEX has continued to report it without providing documentation or validation of the current balance. This is a violation of FCRA Section 623, which requires accurate and complete reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I submitted a request to update the incorrect personal information that appears on my credit reports such as incorrect name, incorrect employer and incorrect phone numbers. The credit bureaus have sent stall tactic letter which is their usual practice stating that they do not believe that I was the one who sent in the letters and that they XXXX have been sent by a " XXXX XXXX '' and therefor no action has been taken on my request until I further provide proof of Identity. They are requesting documentation that I sent already in the original letter as the proof they want to see. I sent in the letter, a copy of my deriver 's license, a copy of my SS card, a copy of my address, a copy of my cell phone bill. All valid documentation proving that my address, phone number and full name is what I said it is and they still refuse to do their job and stall in doing the proper investigation and updating of my personal information. At this point, I have sent them so many letters all with the same proof of identity that they KNOW who I am and no further proof should be needed. The credit bureaus continue to violate consumer rights as they wish without thought or fear of repercussion. All I am asking this time to have my personal information appear and report accurately and at this time it is not.

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 2025-05-13 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The mortgage company has put an escrow on my mortgage even though I provided my proof of insurance to them many times. My insurance company has also provided the information to them more than once. I feel that they are taking advantage of me and that they are very disreputable. The company involved is Newrez

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 2025-05-13 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: Westlake Services, LLC
State: NY

Complaint narrative:
There are some hard inquiries on my credit that I did not authorize. There were a total of 10, only 5 remain. These banks refuse to tell me why they have this report on my credit or delete it. They only say that if it is there it is for some reason without doing any investigation.

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