vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-29 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: FL

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. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A couple of hard inquiries on my report that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I absolutely did not purchase, have knowledge of or authorize a service contract for my vehicle. I am a mechanic and I would never and have never done this. i recently realized after going through my paperwork that {$2500.00} was added to my loan amount and financed at 23.9 % apr. Theyre trying to say basically haha too bad you signed for it, which I dont believe is true, but even if I did it was slid in the deal on me deceptively, and I do not appreciate being taken advantage of in a time of need, and during a pandemic when things were stressful enough. They tried to say i should have canceled before 3 years, bit I was unaware of it and i never authorized it in the first place. None of the papers I have are signed. The issue is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BFS Capital Inc.
State: FL

Complaint narrative:
bfs capital and XXXX XXXX XXXX  is i Sueing me over a debt that is not mine. I had people working for me at my company. the date of this is XX/XX/year>2019 in two month it will be 6 years ago that is pass the statute of limitation in Florida for a i need them to stop harassing me and my family

Company response to consumer: Untimely response
Consumer complaint received 2025-03-28 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo account was hacked.Due to the lack of security in connection with online banking.The scam caller was able to gain access to my online account And provide me with information that only the bank would have.also send me messages and changed settings on my online banking so I was kept in the dark while the fraud was being committed.this is definitely an internal issue that led to me losing fundsXXXX The fraud scammers alerted me of unusual charges and of the scheduled XXXX scheduled transfer to take place.i was aleterted to withdraw XXXX from my account and resubmitted to a new account that they opened. 
I proceed to do so as the new account appeared on my online banking. 
As soon I submitted payment I asked for proof of the transaction and was denied. 
At that point I became suspicious of the ordeal hung up. I contacted Wells Fargo directly and was informed of a possible scam. 
Wells Fargo directed me to make a fraud complaint I was giving a case # XXXX filed on XX/XX/year> I was contacted by this number XXXX ( XXXX ) XXXX On first view this number came up as a well Fargo number. 
I have text and emails from Wells Fargo As proof.

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 monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was XXXX on XX/XX/year> until XXXXMy account had been drained due to someone accessing my account and using funds without my knowledge and consent.I had over XXXX dollars stolen from me and My credit cards were maxed out.Navy federal refused to provide me with information on why my funds were not protected or returned to me.I provided them with letters stating i was XXXX  a police report and i was still not informed on the decision on why i was not compensated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The collection agency XXXX XXXX XXXX called me at XXXX. The first young man was nice when I told him that I wanted to settle the account with the original creditor since they offered to settle with me for a lower amount. He told me he could ask his supervisor to match the amount and transferred me. The lady kept pressuring me to make a payment plan, so I agreed to make on next month since I dont have any money at the moment. The lady became irate and kept telling me that I couldnt settle with the original creditor, even though the creditor said I could. I told her to call me in about a month to give me time to 1 ) get money since I just started my new job and 2 ) could reach out to the original creditor. The lady continued to ask for my card information ( I would never do this over the phone and told her to email me online payment information ). I told her no and to call me in a month. She got angry and hung up on me. I was polite during the whole conversation. I could have hung up the phone too, but I didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

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

Account Name : XXXX XXXX # XXXX - Date Opened XXXX/XXXX/2020

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went over to XXXX store by XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX on the XX/XX/year>, to get a new line added to my account. They performed a hard credit inquiry on my credit without my consent or knowledge. I got an instant notification from Experian that my credit was hard-inquired. When I told the agent about the credit inquiry, they said they didn't intend to do that and it might have happened in error. They asked me to contact XXXX customer support. The customer support told me that they never do a hard check, and in this case even a soft check should not have been done. But they refused to give me anything in writing or even accept that they have done a hard inquiry. They asked me to contact Experian to delete the hard inquiry. I spoke to Experian and they said that XXXX has done the hard inquiry that is very well showing up on the credit report and they need me to get a letter from XXXX  stating that it was an error and should be deleted from my credit report. But XXXX has refused to provide any such letter or written statement. 
Please help. I am undergoing a home purchase process and I already. have 2 hard inquiries on my report. I can not afford another one specially the one that has been done in error and not being owned up by XXXX. Hard inquiry will negatively effect my credit score and the ability obtaining a loan

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 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I was on forbearance and got a HUD Loan. The HUD loan paid my mortgage to current. My mortgage company then charged my loan XXXX in interest after HUD already paid them. Then they sold my mortgage loan to themselves. They sold my loan to different state but the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
these are fraudulent inquiries these are all unauthorized XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/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 2025-03-29 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 formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: IL

Complaint narrative:
I had the opportunity to speak with Self financial Inc. today following the Conversation which I did record the representative advice me that self financial captured a {$1500.00} security deposit from me. The same {$1500.00} deposit they did not acknowledge in court when we went last year they reported that I had never made a payment. They completely disregarded the fact that they stole my money and applied it to nothing. They then went on to reporting on my credit bureau that no money was received, and they reported that they had closed the account, when I spoke with the representative today, he advised me that the account is open and incurring late fees and I am denied access. I would have never known that this account was open considering what they wrote to the credit bureau. They have been continuously running up false charges on me while telling the credit bureau that the account was closed. I recorded this conversation. I will be happy to provide it, however, the below on this form does not allow me to upload the conversation when I told the representative that I would like to proceed legally with what they have done to me because they are destroying my credit and my opportunity to secure Housing. He offered me a settlement of {$120.00} in which I told him no you need to remove what is on my credit because its false its fake. I dont owe you late fees you close the account told me that it was closed continue to create late fees and Hid it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My loans were forgiven under PSLF on XX/XX/XXXX ( effective XX/XX/XXXX ). I overpaid {$550.00} before discharge. MOHELA said the refund would come from the XXXX Treasury. I filed an XXXX complaint on XX/XX/XXXX and a second on XX/XX/XXXX. Treasury opened XXXX XXXX # XXXX. Despite months of follow-up with MOHELA, XXXX, and Treasury, I have received no refund or timeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, residing at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX, filed a formal dispute with Experian regarding fraudulent and egregious inaccuracies on her credit report dated XX/XX/XXXX, which have severely damaged her financial standing, as evidenced by her XXXX Score XXXX of XXXX the average for U.S. consumers. The report falsely lists negative items : XXXX XXXX  ( Page 3 ), reported with 4 late payments, balance {$5700.00}, updated XX/XX/XXXXXXXX  ; an unidentified account with a derogatory indicator ( Page XXXX, Number of your accounts with a missed payment or derogatory indicator : XXXX accounts ) ; XXXX XXXX XXXX ( Account Number : XXXX, Page XXXX ), a collection account for {$810.00} with original creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX ; and a high credit usage ratio of 180 % ( Page 18 ), despite no revolving credit balances reported ( Page 1 ). These violations breach the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) and 1681i ) and Metro 2 standards, including : missing payment history for XXXX XXXX ( Metro 2 XXXXXXXX XXXX XXXX XXXX XXXX ) ; missing account identification and payment history for the unidentified account ( Metro 2 XXXX, XXXX ) ; missing date of first delinquency for XXXX XXXX XXXX XXXX Metro 2 XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ; and an unverifiable credit usage ratio of 180 % ( Metro 2 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ), which contradicts the reported {$0.00} credit used and {$0.00} credit limit ( Page 1 ). Experians systemic failure to ensure accurate reporting is evident in the XXXX XX/XX/XXXX, lawsuit ( U.S. District Court for the XXXX XXXX XXXX California, Case No. XXXX ), which alleges that Experian conducted sham investigations XXXX uncritically accepted furnishers responses despite evidence of unreliability, and improperly reinserted inaccurate datapractices that directly mirror the issues in XXXX XXXX case. These failures have caused XXXX XXXX severe emotional distress, financial harm, and lost opportunities. Experians continued negligence in reporting unverifiable data exacerbates the harm to consumers like 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX keeps texting me put of the blue demanding money.

Company response to consumer: Closed with explanation