vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding several accounts that are inaccurately reported on my credit report. Despite my efforts to resolve these issues directly with the credit bureaus and creditors, the following accounts continue to appear with errors and are damaging my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting late payments, which I dispute. I have not received proper validation or proof of these delinquencies, and I believe this reporting may be in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a charge-off. I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), yet the account remains with no verification, which violates my rights under 15 U.S. Code 1692g. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked with late payments, but again, no supporting documentation has been provided to substantiate these claims. This negatively impacts my score without due process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was opened very recently ( XX/XX/year> ) and is already listed in collections. I never received proper notification or a chance to dispute this debt before it was reported, violating provisions of the FCRA ( 15 U.S. Code 1681s-2 ) regarding accurate and timely reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Labeled as a charge-off, which I contest. I have not received any communication from this creditor before the derogatory reporting occurred. Again, this violates FCRA and FDCPA requirements. 

Context and Harm : Due to these inaccurate and improperly verified items, my credit report portrays a misleading image of my financial responsibility. This has led to multiple credit denials, emotional distress, and financial hardship. I have made multiple attempts to resolve these matters with both the furnishers and credit bureaus, including written disputes and requests for debt validation, but my concerns remain unresolved. 

Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) Failure to ensure maximum possible accuracy of consumer information ( 1681e ( b ) ) and failure to investigate consumer disputes ( 1681i ).

Fair Debt Collection Practices Act ( FDCPA ) Failure to provide proper validation of debts ( 1692g ), and potential deceptive practices. 

Requested Resolution : Immediate deletion of the above-mentioned accounts from all consumer reporting agencies unless the furnishers can provide full and complete validation of the debts, including original contracts and itemized statements.

Assurance that future negative information will not be reported without compliance with FCRA and FDCPA requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding several accounts that are inaccurately reported on my credit report. Despite my efforts to resolve these issues directly with the credit bureaus and creditors, the following accounts continue to appear with errors and are damaging my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting late payments, which I dispute. I have not received proper validation or proof of these delinquencies, and I believe this reporting may be in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a charge-off. I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), yet the account remains with no verification, which violates my rights under 15 U.S. Code 1692g. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked with late payments, but again, no supporting documentation has been provided to substantiate these claims. This negatively impacts my score without due process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was opened very recently ( XX/XX/year> ) and is already listed in collections. I never received proper notification or a chance to dispute this debt before it was reported, violating provisions of the FCRA ( 15 U.S. Code 1681s-2 ) regarding accurate and timely reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Labeled as a charge-off, which I contest. I have not received any communication from this creditor before the derogatory reporting occurred. Again, this violates FCRA and FDCPA requirements. 

Context and Harm : Due to these inaccurate and improperly verified items, my credit report portrays a misleading image of my financial responsibility. This has led to multiple credit denials, emotional distress, and financial hardship. I have made multiple attempts to resolve these matters with both the furnishers and credit bureaus, including written disputes and requests for debt validation, but my concerns remain unresolved. 

Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) Failure to ensure maximum possible accuracy of consumer information ( 1681e ( b ) ) and failure to investigate consumer disputes ( 1681i ).

Fair Debt Collection Practices Act ( FDCPA ) Failure to provide proper validation of debts ( 1692g ), and potential deceptive practices. 

Requested Resolution : Immediate deletion of the above-mentioned accounts from all consumer reporting agencies unless the furnishers can provide full and complete validation of the debts, including original contracts and itemized statements.

Assurance that future negative information will not be reported without compliance with FCRA and FDCPA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
have ask Wells Fargo for a portion of my of my unlimited credit using my EIN instead of the social security number and reported it to the cfpb and they closed my account with no explanation why. and this has cause me harm i have no way of transfer from my treasury direct account and the united states treasury or any other accounts, under 15 usc 1611 my rights are in violation by law i have a right to use my EIN # also in violation of 12 USC 1431

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i have been applying for a loan but the bank can't pull my Equifax report and it's also showing some type of consumer inquiry fraud alert. i have called equifax multiple times about this issue. was told both the freeze and fraud alert was removed. Asked equifax to to refresh my credit file, was told to send in my id and other information. i have done this 3 times and still having issues with my credit being accessed. Contacted the office of consumer affiairs. the person i spoke with seen that i had a fraud alert and removed it. still having trouble with companies accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
They are claiming to be the original creditor per my credit report however I have no legal contracts with this collection company. I have never done business with them. At this point I have filed a police report for identity theft. They are threatening me and have cause great harm to my credit report since adding this to my consumer report and attempting to get money from me. I was recently denied for a credit card as well as home loan due to this fraudulent account being placed on my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was trying to work with Capitalone to pay off my balance. I made XXXX payments and was unable to make anymore at the time. Within a few weeks they sold the account to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. I called them to try and settle the account but was told that they could not work with me because I was in XXXX  and they do not have the authority to collect the debt. That was months ago and my account is still currently with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 opened an account with the company, XXXX, but was unaware the company was charging my bank account for two different loans. I was told by an agent that the account was closed on XX/XX/year> after 90 days of non-payment on the said account that I was unaware of and never authorized to be opened. I informed the company the account was never opened by me or authorized to be open, therefore it's fraud, but they will not assist me with the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 reviewed my consumer reports and noticed that i had MULTIPLE late payments on a XXXXXXXX XXXX account that i was never late for. The 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 accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Mortgage Servicing Errors and Credit Reporting by Mr. Cooper Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding serious and ongoing mortgage servicing errors by Mr. Cooper ( Nationstar Mortgage LLC ) that have negatively impacted my credit and financial stability. Despite numerous attempts to resolve the issue directly with the servicer, the matter remains unresolved and continues to harm me and my small business. 

Background : My mortgage was transferred to Mr. Cooper in XX/XX/year>. My first payment of {$2900.00} was scheduled and confirmed through XXXX XXXX online portal on XX/XX/year>, and marked as cleared on XX/XX/year>. I followed the same process for my XXXX payment and received confirmation on XX/XX/year>. 

While reviewing my online account, I noticed the XXXX payment had not actually cleared, and I had not been contacted about this issue. When I called customer service, I was told that incorrect banking information had been uploaded during the migration of my accountspecifically, that the routing and account numbers were swappedcausing the payment failures. 

During that call, I also informed them that I had just submitted the XXXX payment. The agent canceled that transaction and advised me to wait a few days and then submit a combined payment for both months. I was also informed, without prior notice, that my monthly payment was increasing to {$3800.00} due to escrow shortages, an increase of over {$900.00}. 

XXXX XXXX and XXXX of XXXX : On XX/XX/year>, I submitted a combined payment of {$6800.00} as instructed. However, when I logged in a few days later, I saw that both payments were reversed, and only {$2900.00} was credited back. This left my account showing an arrears balance of over {$3500.00}. 

Since then, I have : Provided multiple bank statements confirming the payment was withdrawn from my account Spoken with multiple customer service and escalation agents Been told repeatedly that the issue was under review Despite my efforts, the error has not been corrected, and the missing payment has not been properly credited. 

Negative Credit Reporting : Two weeks ago, I was informed that Mr. Cooper reported my account as delinquent to the credit bureaus. I explained that the matter was still under investigation, but I was told they are a debt collector and following procedure. 

This inaccurate delinquency report has significantly damaged my previously excellent credit, which has serious consequences for me as a small business owner. My credit affects my ability to access capital, secure insurance, and operate my business effectively. 

Escalation Contacts : The following Mr. Cooper employees have been involved : XXXX XXXX, Representative XXXX XXXX, Escalation XXXX XXXX XXXX, Assistant Vice President

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i have child support on my credit without my 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 non-monetary relief
Consumer complaint received 2025-05-19 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: WI

Complaint narrative:
I am writing to notify Experian, Transunion, and Equifax of fraudulent information appearing on my credit report that is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block and remove all items of information resulting from this identity theft. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 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: WI

Complaint narrative:
I am writing to notify Experian, Transunion, and Equifax of fraudulent information appearing on my credit report that is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block and remove all items of information resulting from this identity theft. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
, On XX/XX/year>2025, I deposited {$100.00} cash at XXXX to my Chime Bank checking account ending in XXXX. I am not employed and I only received minimal income from XXXX. I made XXXX purchases since the {$100.00} deposit on XXXX.. The first purchase XX/XX/XXXX XXXX {$54.00}. the second transaction XX/XX/XXXX transfer to credit builder account : minus {$12.00}. The third transaction XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX : minus {$10.00}. The last and final transaction XXXX XX/XX/XXXX : {$2.00}. the original transaction for XXXX XX/XX/XXXX was pending {$22.00}. this was for a delivery order which included a {$2.00} delivery fee, a couple of food items and dog food. I used my snap card to pay for the couple of food items and the dog food which was {$20.00} needed to be paid for with my debit card. The tip also had to be paid for with my debit card, that was {$2.00}. This finally settled on XX/XX/XXXX for {$2.00}. That is the correct amount because XXXX could not fulfill the dog food part of my order because it was not in stock. XXXX XXXX$20.00} should have been released back into my checking account. After several calls to chime Bank and 2 hours talking with six different people -- on my last call I was told my account was negative that's why I don't have any money left. I explained that is not correct, this is very simple math and I don't have a lot of money to spend, therefore I know where every XXXX I receive goes. And I for sure knew that my acct didn't go negative. I was transferred and transferred and transferred l -- they tried to confuse me, laughing at me, finally I started yelling and got very upset because I wanted the {$20.00} back in my account, I asked for a manager, I was transferred to a manager after being on hold for another 20 minutes, I started to explain to the manager that I believe that they were skimming money out of my account and most likely other people 's accounts he told me that I didn't know how to balance my checkbook. And hung up on me. I double checked with XXXX just to make sure they didn't have any other pending charges and they do not. I know each and every place that I spent money and it was only these four transactions. It is simple 5th grade math, and they keep telling me that I spent the money and I'm going around and around in circles with them. They need to be held accountable if they're doing this to me and to other people. Please investigate.They owe me {$20.00}..... please help. {$20.00} is food for me for one week.

Company response to consumer: Closed with explanation