vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-08-06 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: IL

Complaint narrative:
Whom It May Concern, This letter serves as a formal notice for you to immediately cease and desist all direct communication with me unless required by law. This notice specifically concerns an account with the following details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously disputed this account as inaccurate, outdated, or unverifiable, and it remains unresolved. Continued communication or reporting of this false or disputed data is a violation of the Fair Credit Reporting Act ( FCRA ). In addition, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692c ( c ) ], I hereby request that all future communications cease immediately. This includes phone calls, letters, emails, or any other contact, unless legally required. If this matter is not within your jurisdiction or if the communication was made in error, please consider this a formal request that no further contact be made unless it is mandated by law. Failure to comply with this cease and desist request may result in me pursuing additional actions, including filing complaints with state or federal oversight agencies or seeking legal remedies. Please provide a written confirmation within 10 business days acknowledging your receipt of this letter and your compliance with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
The following accounts and inquiries are being reported incorrectly. Please remove any unknown and inaccurate information and also update late payment to paid as agreed. Thank you also XXXX XXXX is a reinsertion and is illegal

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 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERITRUST MORTGAGE CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding what I believe to be a serious and intentional violation of federal mortgage lending laws and licensing requirements. This involves XXXX XXXX, who is acting in a mortgage lending capacity and issuing pre-approval letters without being a licensed loan originator. 

XXXX XXXX XXXX XXXX Ameritrust Mortgage Corporation XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  TX XXXX On XX/XX/year>, I received a mortgage pre-approval letter issued by XXXX XXXX for a buyer intending to submit an offer on a residential property. Upon reviewing the document, I flagged it as suspicious and potentially invalid, as XXXX XXXX is not listed in the XXXX registry and does not appear to hold the required licensure to issue such a document. 

After raising concerns, I requested a new pre-approvalexpecting it to come from a licensed loan originator. Instead, a second pre-approval letter was issued, again by XXXX XXXX, and again with no evidence of appropriate licensing. Both letters appeared to be presented as legitimate pre-approvals and were intended to support a real estate offer. 

This situation raises serious concerns, including : Misrepresentation of buyer qualifications Violation of licensing requirements, as only licensed originators may issue pre-approvals Potential harm to buyers and sellers, who may act in reliance on documents issued fraudulently Wasted time and effort for all parties involved, including agents, lenders, and title companies I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take any appropriate enforcement action to prevent further misuse of lending authority. I am happy to provide copies of the pre-approval letters and related communication upon request. 

Thank you for your time and attention to this matter.

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 2025-08-06 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: CT

Complaint narrative:
I am exercising my rights under the FCRA to dispute unauthorized accounts and inaccurate information appearing on my credit report. The accounXXXX XXXX  I do not have a contract with them this is fraud, achieve financial I do not have an account with them this is fraud, tbomtotal is fraud I do not have an account with them. credit control for {$1100.00}, redit control for {$890.00} these are unauthorized accounts, I do not have a contract with them, credence resource, credit collection, XXXX XXXX these are all unauthorized accounts that I have not authorized to do business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unknown and fraudulent accounts. I do not have accounts, nor contracts with these companies. I have been an victim of the XXXX data breach. I am demanding all these unauthorized accounts to be removed from my credit report due to illegal activities.

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 2025-08-06 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
b'On XXXX XXXX XXXX XXXXwo fraudulent accounts were opened in my name for the amounts of XXXX XXXX XXXX  I did not authorize the opening of either account and have no knowledge of these transactions.\n\nWhen I contacted the company to dispute these accounts, I was informed that the personal information associated with them does not match mine. The address, phone number, and email used are not mine, and I have never lived at the address listed on the accounts.\n\nThis is a formal notice of dispute. I am requesting a full investigation and immediate removal of these fraudulent accounts from my credit report.\n\nThank you for your prompt attention to this matter.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I purchased a used car with a loan from Wells Fargo in XXXX of XXXX 

Ive experienced improperly applied payments to loan balance, issues with interest charges and wrongful repossetions. 

Due to recent lawsuits, I believe that Im elidgeable for a refund and/or compensation.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
These accounts are reporting lates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are not reporting accurately. I have never been late on these dates and I demand they be taken off as they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, a credit card was opened in my name without my consent. I had no knowledge of this until there was a background check conducted early XXXX due to a routine job application. On the report was a Capital One XXXX XXXX XXXX. This was the card that had been opened without my knowledge or consent. This card dropped my credit score over XXXX points. On XX/XX/XXXX, I received a letter saying that this card will be deactivated in 45 days if there was no activity. Although that is great to hear, it upsets me that this even happened to begin with and resulted in a drop in my credit score. On XX/XX/XXXX, I called the fraud department at Capital One to discuss their options. I had told them that they could either find out which representative or brand opened this card and connect me with them, or I would start the process of filling a lawsuit. There was no help given other than to send a letter in the mail with sensitive information to open a ticket. This problem was not resolved and has not satisfied my needs- it has only made me more motivated to make sure whoever is responsible for this gets some sort of repercussion or simply taking responsibility. All of the actions taken by Capital One have violated the TILA act of 1968.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Three amounts were taken from my XXXX XXXX account each about {$25000.00}! They wired money out of my account to people I didnt know. They were sent to three different banks XXXX XXXX said it was my fault and failed to reimburse my money I had just received from my husband who died from the XXXX XXXX XXXXXXXX that I just received! No one knew I had that money but me and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion regarding inaccurate information appearing on my credit report. My dispute included all required identity verification documents : a government-issued photo ID, Social Security card , and a recent utility bill reflecting my current address. 
In my letter, I explicitly requested a proper reinvestigation and full transparency regarding TransUnions verification process. Specifically, I asked for the following details : - The method used to verify the disputed item, - The date TransUnion contacted the creditor or data furnisher, - The name and contact information of the creditor/furnisher, - The name of the individual who conducted the verification, - The communication method used ( e.g., phone, email, mail ), - Confirmation on whether any personally identifiable information ( such as my SSN, address, or date of birth ) was exchanged during the verification. 
To date, more than 30 days have passed, and I have received no response or results from TransUnion regarding this investigation. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation and respond to disputes within 30 days. TransUnions failure to comply with this requirement constitutes a direct violation of my rights under the FCRA. As evidence, I have included a copy of the original dispute letter sent to TransUnion.

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 2025-08-06 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: CA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

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 2025-08-06 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: NJ

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-06 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: TX

Complaint narrative:
These accounts were fraudulently opened in my name without permission. Per USC 1681g, I request their removal from my file within 15 days. Ive enclosed evidence.

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
inaccurate reporting of the information incomplete on debt validation no original signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Hello! In XX/XX/year> I purchased 4 dresses from XXXXXXXX XXXX  online. None of them fit and I returned them on XX/XX/XXXX before the billing due date of XX/XX/XXXX. At that point, my credit card should have a XXXX balance so I did not make a payment. On XX/XX/XXXX I received a call I didn't pay my bill. I explained it should be a XXXX balance but they said since i purchased new items on XX/XX/XXXX I still had to make a payment of {$65.00} by XX/XX/XXXX and it was now late. I've never experienced having to pay for new items not on the card statement but immediately made the {$65.00} payment. However, XXXX XXXX  reported my payment 30 days late to TransUnion! I called XXXX when I received this update and they agreed it was not 30 days late and would correct it. It was never corrected. I then disputed this 3 times through TransUnion and each time they told me my account was accurate and it was 30 days late. To call XXXX XXXX credit line again is a 90 minute wait -- I've tried 2 more times and can't get through. On XX/XX/XXXX I called TransUnion and spoke to the special handling department. I let them know I submitted documentation of payment for each dispute to confirm it was less than 30 days after the due date. They reviewed this and told me they would manually update it within 24 hours. I did not see this and on XX/XX/XXXX called the Special Handling Dept again. They told me there is no update to my account and they can't make a change. If I can't reach XXXX XXXX and TransUnion won't help me can I get my credit report fixed?!! This is unacceptable -- I have excellent credit and this is negatively affecting me. The first issue is having to make a payment for items purchased on XX/XX/XXXX that were not on the XXXX statement that was due XX/XX/XXXX. The second issue is reporting my payment 30 days late when it was not. Please help to get this fixed and removed from my report! Thank you, 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 2025-08-06 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, 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 explanation