vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted TransUnion to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, Transunion verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. TransUnion have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX  XXXX Amount : {$350.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : {$540.00} Date XXXX Unauthorized inquiries listed with no permissible purpose : 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The furnisher is inaccurately reporting a XXXX late payment on my account, even though they have no verifiable evidence to substantiate the delinquency. Under FCRA 1681e ( b ), a late payment can not be reported unless the furnisher possesses timestamped proof showing the date the payment was received and posted, along with evidence that any delay was my fault. They have provided none.

I issued a formal dispute requesting documentary verification. Instead of performing a lawful investigation under FCRA 1681s-2 ( b ) and 1681i, the furnisher relied on an automated e-OSCAR response, which is not a reasonable investigation under CFPB standards. They failed to provide any of the required records such as an original payment ledger, posting log, or audit trail.

Furthermore, under FCBA 1666b, payments must be credited as of the date received. If the payment was received on time but posted late internally, the furnisher is prohibited from reporting it as a delinquency. Their reporting contradicts this requirement. 

Because the furnisher can not produce the legally required documentation, the late payment is unverifiable, inaccurate, and noncompliant with federal law, yet they continue to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trustee for my S/O who passed in XXXX of this year. But after providing Wells Fargo with POA, Trust documents, Affidavit ( when my S/O was deemed incapacitated by 2 doctors ), my personal information ID etc, Death certificate and most recently Certification of Trust by my attorney Wells Fargo still refuses to work with me and in addition is now asking for : A complete copy of the Ast Revocable Trust ( which I provided in XXXX  ) that states I am a beneficiary of the trust, or an affidavit signed otherwise authenticated by the trustee that states : I am a beneficiary of the trust, and that the trust has not been revoked, modified, amended in any manner that would cause the representations contained in the certification to be incorrect! Hello don't they get it that my S/O passed!! This bank is frustrating me and constantly sending me reminders that should I fail to make the mortgage they will foreclose! I have been making the mortgage payments for the past 15 years and don't need their threats I am still grieving my S/O of almost 27 years -- -back off work with me don't work against me I have never been late on the house payment. This is the only bank that refuses to help me and is asking over and over again for needless expensive documentation.

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 2025-12-08 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: DriveTime
State: GA

Complaint narrative:
Company Name ( s ) : DriveTime Automotive Group , Inc. 
XXXX XXXX XXXX XXXX XXXX : Auto Loan / Vehicle Financing Issue Type ( XXXX ) : Loan terms not disclosed clearly, deceptive sales practices, misrepresentation, unauthorized add-ons, privacy violation, bait-and-switch financing Complaint Narrative I am submitting this complaint regarding material misrepresentation, deceptive financing practices, and undisclosed vehicle tracking associated with my auto loan through DriveTime and XXXX 

At the time of purchase, I knowingly agreed to the optional XXXX XXXX system based on the express representation by the sales associate that XXXX was the only GPS device associated with the vehicle. I specifically asked if any other GPS tracking device was installed or required, and I was told no. After the sale was completed, I later discovered I had been unknowingly signed into a separate Buyer Disclosure Statement and Agreement for Installation of a GPS System, authorizing a lender-controlled GPS device used for tracking, collections, and repossession. This lender-controlled GPS was never disclosed to me verbally and directly contradicts what I was told. I would not have purchased XXXX and would not have signed the financing contract at all had I known a separate lender-controlled GPS device was installed. 

In addition, I was pre-qualified online with a specific down payment amount, which I relied upon in good faith when traveling to the dealership. Once I arrived, the required down payment increased drastically without any legitimate change in my financial profile, which constitutes a bait-and-switch financing practice designed to induce me into the dealership under false financial terms. 

The discovery of the undisclosed tracking device and the deceptive financing practices caused severe emotional distress. This distress escalated into an emergency room visit for chest pain and possible cardiac involvement, caused missed days of work, financial loss, and emotional strain on my household, including my spouse. 

These actions constitute material misrepresentation, failure of informed consent, deceptive lending practices, unauthorized add-ons, and unfair inducement into contract. 

I relied in good faith on verbal and written representations by DriveTime at the time of sale. Those representations were materially false and directly induced me into a contract I otherwise would not have entered. I am requesting immediate corrective action and regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am disputing Experians failure to correct inaccurate reporting on my XXXX XXXX loan account. A debt settlement was negotiated through my consolidation program, and XXXX XXXX accepted modified settlement terms in XX/XX/XXXX. Since that date, payments have been made consistently as agreed under the new terms. 

However, XXXX XXXX continues to report rolling monthly delinquencies for every month after the settlement was accepted. Reporting new late payments after terms have been renegotiated is factually inaccurate and materially misleading because it portrays the account as still delinquent under the original contractual terms. 

I disputed this in XX/XX/XXXX and provided documentation confirming that settlement payments have been made each month as agreed. Experian did not conduct a reasonable reinvestigation. They closed the dispute and simply added the notation consumer disagrees, while allowing the inaccurate delinquency reporting to continue. 

This incorrect status reporting is harming my credit, does not accurately reflect the actual payment status, and violates FCRA requirements for accuracy and reasonable reinvestigation ( 15 U.S.C. 1681i and 1681s-2 ( b ) ).

I am asking Experian to update the account to reflect its actual condition under the modified settlement terms ( e.g., Paying as agreed under modified terms or equivalent industry code ) retroactive to XX/XX/XXXX and to stop reporting new delinquencies going forward.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After checking my latest credit report I noticed multiple inaccurate accounts reporting that are harming my file. According for the fcra I have the right to remove any inaccurate accounts within 30 days without proof or original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After checking my latest credit report I noticed multiple inaccurate accounts reporting that are harming my file. According for the fcra I have the right to remove any inaccurate accounts within 30 days without proof or original contract.

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 2025-12-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting XXXX % correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: AR

Complaint narrative:
PNC Bank closed my account on XX/XX/year> with a positive balance still in the account. Since closure, PNC has refused to provide immediate access to my funds and states they are mailing a check, which may take 714 business days.

I am experiencing a documented hardship situation and can not safely wait for mailed disbursement. I have a newborn and no electricity or heat at my residence. Despite requesting expedited or alternative disbursement, PNC has not accommodated urgent access to my funds. 

I am requesting immediate release of my remaining balance via expedited cashiers check, branch pickup, or approved electronic payout due to financial emergency. 

I believe withholding access to funds during a severe hardship situation is unreasonable and places my household at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Here is the situation, I have looked my credit reports and noticed fraudulent account on them. The fraudulent account name is XXXX XXXX XXXX XXXXXXXX date opened XXXX. I had a call with company and notified them that the account is fraudulent and does not belong to me and asked them to start investigation for removal of it. After I spoke with credit reporting agencies and was requested to fill and send FTC report for deletion. Please remove above listed fraudulent account from my name and credit reports.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am filing this complaint against TransUnion due to its repeated failure to correct and update my personal information despite three formal written requests. The inaccurate personal information in my credit file includes : First and Last Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employer : XXXX XXXX XXXX XXXX Despite my previous two disputes, TransUnion has failed to conduct a reasonable reinvestigation, maintain maximum possible accuracy, and remove unverifiable or fraudulent information, in violation of multiple federal laws, including : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to reinvestigate disputed information within 30 days.

FCRA 607 / 1681e ( b ) : Failure to maintain maximum possible accuracy.

FACTA : Failure to block or remove unverifiable/fraudulent information.

CFPA ( 12 U.S.C. 5531 ) : Actions may constitute unfair, deceptive, or abusive practices ( UDAAP ).

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Legal precedent requires meaningful investigations, not superficial reviews.

I am requesting CFPB intervention to compel TransUnion to immediately correct my personal information, provide verification of all items, and remove any inaccurate or unverified data.

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