vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: GOLDMAN SACHS BANK USA
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
was a victim of identity theft and unauthorized transactions were made from my bank account. I reported multiple fraud cases to my bank, and in each case, the bank initially rejected my claims within a few days without conducting a proper investigation. 

Later, the bank requested a specific document from my mobile phone carrier confirming the XXXX swap fraud. Once I provided the exact evidence they asked for, instead of processing the case promptly, they sent me a letter saying the investigation would be delayed until XX/XX/XXXX, which is over a month and a half from the time I submitted the required evidence. 
The only thing the bank was waiting for was the phone companys proof!! 
and once they received it, they began delaying again. This makes me feel like the delays are intentional and part of a pattern of avoidance. 
I believe the bank is not complying with Regulation E, which protects consumers from unauthorized electronic transactions. I have attached the required documentation, including the phone carriers letter, my police report, and copies of the banks responses.

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 2025-07-21 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-21 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:
Dear Equifax Dispute Department, This letter is in response to your XX/XX/XXXX notice regarding XXXX XXXX XXXX submission under Section 605C of the Fair Credit Reporting Act ( FCRA ). We are submitting this response to clarify that the originally submitted documentation fully satisfies the requirements under the FCRA for removal of accounts resulting from identity theft and/or potential trafficking victimization. To summarize, the following documents were submitted and are attached again for your convenience : FTC Identity Theft Report case number : [ XXXX ], which identifies fraudulent accounts including the disputed item. - Notarized Affidavit of Identity affirming XXXX XXXX identity and detailing unauthorized accounts. - Government-issued ID ( Drivers License ) and Recent Utility Bill verifying her identity and current address. - Self-Attestation Statement under FCRA 605C signed and notarized, satisfying FCRAs attestation requirements. Please be advised that XXXX  and XXXX  have already acknowledged and processed these documents, resulting in deletion of the fraudulent accounts in question. Equifaxs demand for victim determination documentation exceeds what is reasonably required under the FCRA, especially considering the FTC Identity Theft Report serves as a government-issued determination of identity theft under FCRA 605B , which has been submitted and acknowledged by other bureaus. We respectfully request Equifax to complete the blocking and permanent deletion of all fraudulent accounts, including the XXXX account in the amount of {$220.00}, in accordance with the FCRA, without further delay. Failure to process this request in compliance with the FCRA within the required 25 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for continued violations of federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I am writing to formally request that you update my account reporting to accurately reflect my on-time payment history. 

According to your records and communications, all payments on my account have been made on time and in full. However, my credit report does not reflect this, and it continues to show inaccurate or outdated payment information. This discrepancy is negatively affecting my credit standing, despite my consistent record of timely payments. 

Please consider this letter a formal request to immediately update all relevant credit reporting agencies with accurate information that reflects my on-time payment history. If there is any additional documentation or action required from me to facilitate this correction, please let me know as soon as possible. 

I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for credit with them. As a consumer, I take my rights seriously, and I find it unacceptable that they have been violated in this way.

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 2025-07-21 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: Early Warning Services, LLC
State: CA

Complaint narrative:
This is a formal dispute and demand for the immediate removal of fraudulent entries from my consumer file maintained by your agency. I am the victim of extensive identity theft, and your continued reporting of inaccurate, unverified, and damaging information is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal statutes. 

Over the past several years, the following banks have either opened accounts, credit cards, or extended credit fraudulently in my name, or had existing accounts compromised : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts in question have since been closed, yet your system continues to reflect negative entries tied to these fraudulent activities, thereby preventing me from obtaining legitimate banking services today. This has caused substantial financial harm and constitutes ongoing damage to my reputation and financial wellbeing. 

I filed an official police report approximately XXXX ( XXXX ) years ago documenting the identity theft and fraudulent activity. For your convenience and further validation, I have included a notarized copy of that police report with this letter. Additionally, I have retained legal counsel, and we are actively pursuing this matter with federal and state agencies. You are advised that further noncompliance may result in litigation.

Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any item disputed by a consumer. Under FCRA 1681s-2 ( b ), data furnishers must also investigate disputed information and delete unverifiable, inaccurate, or obsolete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: IL

Complaint narrative:
I am submitting this formal complaint to EQUIFAX regarding inaccurate information appearing on my credit report. I previously submitted a written request for an investigation into several accounts I identified as inaccurate. EQUIFAX took more than 30 days to complete the investigation and later claimed the accounts were verified. However, upon reviewing my most recent credit report, I found that no updates or corrections were made to the disputed information. 

I must question how this verification was conducted, as the date of last activity, date opened, date of last report, payment history, and status are all factually incorrect. This calls into question the integrity and thoroughness of the investigation conducted. 

Under my rights granted by 15 U.S.C. 1681, specifically Section 602 ( a ), I am entitled to accuracy, fairness, and privacy in all credit reporting. In addition, per 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), a consumer reporting agency is prohibited from furnishing information on a consumer without written instruction from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XX/XX/XXXX " I disputed this account with XXXX, and it was verified without proper documentation being provided to me. I believe the information is inaccurate and/or outdated. I am requesting that CFPB help me obtain verification documents such as the original signed contract or proof of continued collection rights. 
Without this proof, I am requesting the item be deleted from my credit report in accordance with the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 any 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 of 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX falsely reported on all of my credit reports ( Experian, XXXX, XXXX  ) that I was 30 days late which I was not. 
This account has been reported with inconsistent and inaccurate dates across the credit bureaus : - It initially showed a delinquency in XX/XX/year>, - Then was updated to XX/XX/year> after a dispute, - Yet no consistent or verifiable timeline has been confirmed. 

This inconsistency violates FCRA 607 ( b ), which requires all data furnished to the credit bureaus to be both accurate and complete. Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to request a reinvestigation of this item.

I requested that the credit bureaus that : 1. Provide a copy of the Method of Verification used to confirm the accuracy of the current late payment reporting.

2. Supply the name, contact information, and documentation from the data furnisher ( XXXX XXXX XXXX ) that was used to verify this entry. 
XXXX. Delete this derogatory item from my report if accurate ; complete verification can not be provided.

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 2025-07-21 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: TX

Complaint narrative:
XXXX XXXX XXXX falsely reported on all of my credit reports ( XXXX, TU, XXXX  ) that I was 30 days late which I was not. 
This account has been reported with inconsistent and inaccurate dates across the credit bureaus : - It initially showed a delinquency in XX/XX/year>, - Then was updated to XX/XX/year> after a dispute, - Yet no consistent or verifiable timeline has been confirmed. 

This inconsistency violates FCRA 607 ( b ), which requires all data furnished to the credit bureaus to be both accurate and complete. Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to request a reinvestigation of this item.

I requested that the credit bureaus that : 1. Provide a copy of the Method of Verification used to confirm the accuracy of the current late payment reporting.

2. Supply the name, contact information, and documentation from the data furnisher ( XXXX XXXX XXXX ) that was used to verify this entry. 
3. Delete this derogatory item from my report if accurate ; complete verification can not be provided.

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 2025-07-21 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:
XXXX XXXX XXXX falsely reported on all of my credit reports ( XXXX, XXXX, Equifax ) that I was 30 days late which I was not. 
This account has been reported with inconsistent and inaccurate dates across the credit bureaus : - It initially showed a delinquency in XX/XX/year>, - Then was updated to XX/XX/year> after a dispute, - Yet no consistent or verifiable timeline has been confirmed. 

This inconsistency violates FCRA 607 ( b ), which requires all data furnished to the credit bureaus to be both accurate and complete. Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to request a reinvestigation of this item.

I requested that the credit bureaus that : 1. Provide a copy of the Method of Verification used to confirm the accuracy of the current late payment reporting.

2. Supply the name, contact information, and documentation from the data furnisher ( XXXX XXXX XXXX ) that was used to verify this entry. 
XXXX. Delete this derogatory item from my report if accurate ; complete verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To whom it may concern, considering the contentious complaints against Wells Fargo Home Mortgage. whereas I contacted the home preservation department with an agency third party who affiliated through XXXX XXXX money management international seeking for foreclosure assistance. However, on XXXX XXXX, the agency and I contacted the home preservations department to check the status on my loan modification process. I was informed that I was denial due to insignificant documents and the foreclosure sale date will continue. Thereafter the agency and discussed other solutions avoid foreclosure by contacting Wells Fargo to see if they are willing to re-enter modification with new documentation to be submitted. However, I went on their website to get a mortgage assistance application and discovered that the home preservations department was sending the wrong modification package to me since the beginning that cause delays, and denial of approval. Thereby I contacted home preservations on XXXX XXXX  and spoke with a specialist to see if I can resubmit the require documents on their website PDF download of the correct package. I was told by the specialist to email documents attention, Re-enter modification alone with my loan number. Thereafter I completed the correct forms, even the forms were missing from the loan modification package that was never mail to me that caused delays, and denial of my application. On XXXX XXXX, I emailed a re-enter modification with the required documents and was told on today that they could not re-enter a loan modification, that I need to find another alternative, with that been said the specialist disconnected the phone while I was still asking questions and pleading for help.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Greetings, I sent Experian, Equifax XXXX TransUnion dispute letters on XX/XX/year>, requesting a deletion of all incorrect & invalid personal information. I also called in to their offices! I requested the removal of incorrect date of birth, addresses, phone numbers & employment history. I even provided paperwork to verify the correct information that belongs to me. I would like to see a change made immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Greetings, I sent Experian, Equifax XXXX TransUnion dispute letters on XX/XX/year>, requesting a deletion of all incorrect & invalid personal information. I also called in to their offices! I requested the removal of incorrect date of birth, addresses, phone numbers & employment history. I even provided paperwork to verify the correct information that belongs to me. I would like to see a change made immediately!

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 2025-07-21 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: VA

Complaint narrative:
I am trying to get anything removed from all 3 credit bureaus ( Experian, Equifax and Transunion ) that isn't correct or is not supposed to be on my credit report.

Company response to consumer: Closed with explanation