vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, Wells Fargo issued a credit without my knowledge on a card called XXXX XXXX XXXX, with a {$50000.00} credit line, and sent it to my P.O. box, where my accounting manager had access to oversee accounts payable. 

I did not learn about this credit card until XXXX, a month after my account manager left the company and I took over the accounts. I noticed a {$50000.00} balance on a credit card I did not have. I called Wells Fargo to report the issue. I was told that I had applied for this card. The credit card had been with the account manager for four years, and before he used it in XXXX, he maxed it out before leaving his job. 

I requested a copy of the XXXX XXXX XXXX credit application to confirm that I was the one who applied for this card. Wells Fargo failed to provide this information. I refused to pay the credit debt because Wells Fargo 's negligent and fraudulent business practices caused this situation. 

Wells Fargo reported this to the credit bureaus and lowered my credit score from XXXX to XXXX, which is now at XXXX. This basically wrecked my life ; I had to use cash for everything, couldn't get a good job or rent a place, and I had to pay more for everything. 

It has been seven years since Wells Fargo charged off this account. I have asked Wells Fargo a XXXX times to remove it from my credit report so I can move on with my life. Wells Fargo has refused to remove the charge-off from my credit 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 TX 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 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 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

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I have filed multiple disputes against Sofi banks inaccurate reporting of loan balances on credit reports. One dispute in settle XX/XX/XXXX and now another filed XX/XX/XXXX. And now a complaint of their continued mishandling of peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
b'XXXX XXXX XXXX XXXX i sent a certified mail packet XXXX XXXX XXXX XXXX XXXX XXXX  to TranUnion LLC, XXXX XXXX XXXX XXXX  PA XXXX  and certified mail packet XXXX XXXX XXXX XXXX XXXX XXXX XXXXo TranUnion LLC Headquarters at XXXX XXXX XXXX XXXX XXXX IL XXXX  which contained an affidavit of identity validated my sworn identity that I didnt open those 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 explaining whats inside. Their response was made on XXXX XXXX XXXX with only deleting XXXX  of the accounts sinstead of all that were listed. I have recently received a police report from the INDIANAPOLIS METROPOLITAN POLICE DEPARTMENT DATED XXXX XXXX  Showing my home was burglarized. On XXXX XXXX XXXX i updated this police report to show all the fraudulent account, information, or anything else I did not authorize. Case number XXXX A follow up letter will be sent to TranUnion also.'

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 2025-07-17 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCR

A 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
I have an installment account with XXXX XXXX ( reported by Equifax, Acct # : XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX. The account is reporting a derogatory Charge-Off ( CO ) status with a balance and past due amount of {$4600.00} and a high credit of {$5000.00}. Payment status is listed as Collection/Charge-Off ( PS ) with {$0.00} monthly payment. The Date Last Active ( DLA ) and Date of Last Payment ( DLP ) are both XX/XX/XXXX, with the last reported date being XX/XX/XXXX. 

I dispute the following under FCRA Sections 609 & 611 : CO status is inaccurate and unverified.

Balance ( BL ) and Past Due ( PD ) amounts are inconsistent and unverifiable. 

PS reporting as charge-off is damaging and unvalidated.

DLA and DLP dates are potentially inaccurate and have not been confirmed with proper documentation. 

I requested validation from XXXX XXXX and Equifax but have not received sufficient proof or correction. These inaccurate and unverified reports are harming my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Roundpoint Mortgage changed my monthly payments. I never got a notification regarding this. My monthly payment went out last month ( XXXX ) automatically and on time, like always. Because they changed my monthly due amount I was short {$62.00}. They contacted me after they got the payment to say that I was short and I immediately sent in the balance due. They still managed to put in a late charge of {$140.00}. I understand penalties need to happen for late payments but my payment was not late. Also, extremely unfair to get a penalty fee if {$140.00} for being short {$62.00}. This is a fee of over 200 % of the amount that was late!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
CFPB ( Consumer Financial Protection Bureau ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington, XXXX XXXX Re : Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am submitting this formal complaint regarding Transunions reporting practices, which violate my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681 602, I have the right to privacy, and under 15 USC 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my explicit consent. Additionally, per 15 USC 1681b ( 2 ) and 15 USC 1666b, creditors may not report payments as late under an open-end credit plan when paid within the agreed timeframe.

I have requested Transunion to correct these inaccuracies but seek the assistance of the CFPB to ensure this matter is fully resolved and my credit file updated accurately.

Thank you for your assistance in protecting my rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Subject : Explanation of Identity Theft and Request for Blocked Information - Follow-up to Declined Request To Whom It May Concern : This letter provides a detailed explanation of the identity theft I have experienced and serves as a formal follow-up to your communication declining my previous request to block fraudulent information from my credit report. I am providing additional comments as requested by your recent correspondence.

On an unspecified date prior to my discovery, unauthorized accounts were opened in my name without my knowledge or permission. These fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I specifically noted an inaccuracy on my credit report where a delinquency date for one of these accounts appeared before its reported open date, which is impossible.

Upon discovering this fraudulent activity, I immediately took action. On an unspecified date, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC Report Number
associated with this incident is XXXX. This report comprehensively details the fraudulent accounts, including their respective fraud and discovery dates.

Subsequently, I submitted a request to XXXX  to block these fraudulent accounts from my credit report. This request included my FTC Identity Theft Report, a copy of my government-issued identification, and a recent financial statement ( dated XX/XX/year> ) for proof of address, as per standard requirements. Despite providing these documents and the official FTC report, my request to block the information was declined by
XXXX, as communicated in your recent notice. I am now providing this statement to further elaborate on the situation and reiterate the fraudulent nature of these entries.

I am a victim of identity theft and did not authorize the opening or use of any of the aforementioned accounts. I request that XXXX  review this information again and fulfill its obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to block these fraudulent accounts from my credit report.

I understand that false statements may result in criminal penalties. All information provided herein and in previous submissions is truthful and accurate to the best of my knowledge.

Thank you for your attention to this critical matter. I look forward to the prompt resolution and removal of this fraudulent information from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-17 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments on my credit report. I already submitted disputes directly to them on [ insert date of first dispute ] and [ insert date of second dispute ]. However, they responded by saying the information was reported correctly without providing full validation or evidence as required by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Under FCRA 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverified. Simply claiming that their records are correct is not sufficient proof. 

I requested : Full validation of the alleged late payments Detailed documentation proving the accuracy of the reporting Removal of the negative marks if they can not verify the information They failed to provide this. Continuing to report information without complete validation is a violation of federal 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 2025-07-17 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments on my credit report. I already submitted disputes directly to them on [ insert date of first dispute ] and [ insert date of second dispute ]. However, they responded by saying the information was reported correctly without providing full validation or evidence as required by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Under FCRA 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverified. Simply claiming that their records are correct is not sufficient proof. 

I requested : Full validation of the alleged late payments Detailed documentation proving the accuracy of the reporting Removal of the negative marks if they can not verify the information They failed to provide this. Continuing to report information without complete validation is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments on my credit report. I already submitted disputes directly to them on [ insert date of first dispute ] and [ insert date of second dispute ]. However, they responded by saying the information was reported correctly without providing full validation or evidence as required by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Under FCRA 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverified. Simply claiming that their records are correct is not sufficient proof. 

I requested : Full validation of the alleged late payments Detailed documentation proving the accuracy of the reporting Removal of the negative marks if they can not verify the information They failed to provide this. Continuing to report information without complete validation is a violation of federal 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 non-monetary relief