vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$22000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance : {$2400.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance : {$2400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance : {$570.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Inaccuracies in debts and payments disputed that keep returning on my credit report. 
Inaccuracies in my personal information, addresses and names that are not me in my files and on my reports and wrong names on letters sent to me from reporting agencies. Breach of privacy and unfair reporting of unverifiable information to sources that I did not give permission to check my credit, Inconsistent information in credit files at the credit reporting agencies. Investigation didn't complete. They did not fix it.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Inaccuracies in debts and payments disputed that keep returning on my credit report. 
Inaccuracies in my personal information, addresses and names that are not me in my files and on my reports and wrong names on letters sent to me from reporting agencies. Breach of privacy and unfair reporting of unverifiable information to sources that I did not give permission to check my credit, Inconsistent information in credit files at the credit reporting agencies. Investigation didn't complete. They did not fix it.

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 2025-06-23 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are fraudulent accounts appearing on my credit profile that I never initiated or authorized. I have no knowledge of these accounts. Under 15 U.S. Code 1681g, I demand that they be removed within XXXX  days. Supporting evidence has been 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 explanation
Consumer complaint received 2025-06-23 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( XXXX ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated XXXX you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXX settlement following procedural failures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX sent complaint regarding irregular payments sent to us from forced insurance to late payments. Weve paid this note on time for XXXX  years. All of a sudden all kind of mismanagement of our loan payments went into unbelievably process. We would receive XXXX payments being different in XXXX month. This happened multiple times and we still have the proof of fraudulent and severely deceptive practices. Then they would start harassing us try to cover their mistakes. Now we sent demand letter requesting payment ledger from XXXX XXXX to XXXX XXXX. They sent response back that stated they no longer have our records due to selling loan in XXXX. We are tired of getting the run around from these XXXX who continue to falsely report and accuse us for no payment, late payment, etc. The account no sold to a XXXX XXXX continues to do same. We demand payment ledger so we can turn over to attorney for prosecution.

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 2025-06-23 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: CA

Complaint narrative:
My credit file includes inaccurate and fraudulent accounts that were not opened by me. I request that these accounts be investigated and permanently deleted. In accordance with 15 U.S. Code 1681g, I expect their removal within 15 days. Enclosed are supporting documents to assist you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bilateral Credit Corp, LLC
State: AZ

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX XXXX contacted me on behave of Bilateral Credit about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I acknowledged that I owed the money and I requested to setup a payment plan because I have been unemployed since XX/XX/year>. XXXX XXXX said well do you have a credit card you can throw the balance on and just work out a plan with that credit card company? I said no, that wasn't something I can do since I don't have a job and I would be unable to pay the credit card bill. I asked him for a day to determine how much I can pay a month. And we ended the call. My XXXX called me right back at XXXX XXXX ( XX/XX/year> ; same day ) and rudely said well according to your credit report you have several credit cards you can put it on. I reiterated, that putting it on a credit card is not advisable. XXXX XXXX says well I know you don't want to use a credit card but that is what you need to do. I said no, and he said well ok we are going to litigation then, and he rudely hung up on me. After reading through the Fair Debt Collection Practices Act ( FDCPA ) I feel XXXX XXXX is using unfair and threatening tactics to force me to either use a credit card to pay the debt or get sued. he would not entertain a payment plan or work with me at all, and decided to just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am submitting this dispute to correct an inaccurate late payment on my credit report. I have confirmed that the payment in question was processed in a timely fashion. Please investigate this matter and update my file to remove the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am.a victim of identity theft not sure if this is due ri equivalent data breach or other identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Supposedly in XXXX  I opened a Santander bank account which has a {$1000.00} charge off and I am reporting that this was not me who opened the account or performed this transaction

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 2025-06-23 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 added to my credit report without my authorization. I am not responsible for them and did not initiate any of the listed credit relationships. Please remove these accounts within 15 days, as allowed by 15 U.S. Code 1681g. Relevant supporting documents are enclosed.

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the terms of my auto loan on the grounds of unfair and predatory lending. I entered this agreement under emotional and financial duress after losing my only vehicle days prior to signing. At that time, I was desperate to secure transportation so I could continue working and supporting my family. I was in no position to properly evaluate the long-term consequences of the loan terms presented to me. 

On XX/XX/XXXX, I was approved for a XXXX loan for {$20000.00} at a staggering XXXX XXXX XXXX. This was not a luxury vehicle. It was a XXXX XXXX XXXX XXXX with XXXX miles and a prior owner. According to widely available market data, that vehicle was only worth {$12000.00} {$13000.00} at best on XX/XX/XXXX, XXXX in retail condition. Today, the car is worth less than {$2000.00}, and I still owe nearly {$15000.00} after paying over {$10000.00} in interest and more than {$6200.00} in principal. The total cost of this car, if I continue paying, will exceed $ XXXX a vehicle that had already lost most of its value the moment I signed. 

I was not in a stable financial position. My car had just been repossessed, I was emotionally overwhelmed, and I had no other way to get to work or take care of my responsibilities. I was not advised of better options, nor was I offered reasonable terms. Instead, I was locked into XXXX of the most abusive subprime auto loan structures Ive seen. I now carry nearly double the amount of the cars current value in debt, all because I made a rushed decision in a moment of hardship. 

This loan does not reflect fair market lending practices, nor does it account for my economic vulnerability at the time. The dealership and financing agent knowingly put me in a financial trap, taking advantage of my urgent need for a vehicle without regard for whether I could reasonably pay the loan over time or whether the value of the car justified such terms. As of XX/XX/XXXX, a XXXX XXXX Compass Latitude in similar condition was valued between {$4000.00} {$6100.00} by XXXX XXXX XXXX. My loan was for $ XXXX than XXXX its fair-market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Please see the attached suit under events XXXX to XXXX. And look at the demand letter sent by Chase. In bold letters you are being investigated for fraud! Then stating it is the treasury department doing it! You are being requested to voluntarily sign away the money. It was from a XXXX week old transaction! This is blatant intimidation and retaliation for a large lawsuit I have filed. Please find it attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: GA

Complaint narrative:
I had all my information stolen and yall close my account and I can't get cash app anymore and it's unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
I am hoping you are able to help in mortgage issue that has arisen attempting to sell our home in Hawaii using a VA XXXX. The day we were set to sign for closing the title company realized that the original loan company that sold us the loan-and then immediately sold the loan to New Rez ( our current servicer ) did not do an Assignment with the XXXX of Hawaii. This has led to a XXXX week delay with no end in sight of New Rez attempting to fix the issue. We are in a hotel in Florida and are facing losing the house under contract here that is contingent upon Hawaii closing .. the seller here will not sign any further extensions. We have also lost the rate we locked in for closing as well. 

I have filed a complaint with the state, but New Rez is doing nothing to rectify this paperwork error that could have been done at any time over the past 4 years. XXXX even gave an option she has used over and over again which is to record the assignment with the assumption on the deed and they said no. 

I do not have any direct contact with the servicer or processor. Our realtor had to hire a XXXX party to even get the assumption done because New Rez doesn't even call back .. I was told they will take a message for the assumption department and decide if they want to call you back. I have never received any communication. 

This is getting frustrating and very expensive. We have spoken with lawyers and are looking to seek damages at this point.

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 2025-06-23 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: MA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Upon reviewing my credit report, I noticed a hard inquiry that does not reflect any credit application or transaction I initiated. I have not granted permission for my credit to be accessed for any reason during the time this inquiry was made.

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 2025-06-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-06-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief