vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information being reported on my credit file regarding a Capital One account that was closed in XX/XX/year>. Despite the accounts closure, it continues to reflect late payment activity, which is both misleading and harmful to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

It is inaccurate and unfair for a closed account to continue to report late payments, as no further credit activity should be occurring on a closed account. This misreporting has significantly impacted my credit score and is creating unnecessary hardship during a critical time in my financial life. 

My SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SELECT PORTFOLIO SERVICING APPLIED AN UNJUSTIFIABLE {$180.00} AND {$11.00} FEES. THEY REFUSE TO REMOVE THE FEES DESPITE ME PAYING CURRENT FOR MANY YEARS AND I HAVE NEVER HAD ANY ESCROW. DURING COVID XXXX TRIAL PAYMENTS SUPERVISOR XXXX EXTENSION XXXX THAT MY ACCOUNT FULLY CURRENT I PAID {$1600.00} ON XX/XX/year> CONFIRMATION NUMBER XXXX. THEREAFTER I PAID ALL DUES TIMELY SPECIALLY ON XX/XX/year> {$300.00} CONFIRMATION NUMBER XXXX CURRENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint concerning Experian 's reporting of inaccurate personal information on my credit report. Despite my efforts to resolve this issue directly with Experian, the inaccuracies persist and negatively impact my ability to manage my financial matters.

The incorrect personal information being reported includes the following : 1. Wrong name, wrong address, and wrong phone number.

2. I made several attempts to fix this issue by calling and speaking with a representative and giving them the correct information and asking to delete the wrong information. I have disputed the information on their website as well. I have also sent a dispute letter and a copy of a bill and color copy of my driver 's license.

The continued presence of this inaccurate information has resulted in difficulty obtaining credit, delays in processing applications. Experians failure to address and correct these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ).

I respectfully request the CFPBs assistance in investigating this matter and ensuring Experian promptly corrects the inaccurate information. Specifically, I am seeking : 1. The immediate correction of all inaccurate personal information on my credit report.

2. Written confirmation that my credit file has been updated accordingly.

Thank you for your time and attention to this matter. I am confident that the CFPB will take appropriate action to resolve my concerns. Please feel free to contact me should further information or documentation be required.

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 2025-04-11 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:
I am a victim of identity theft per FCRA 611 15 USC 1681 & 1681 c-2, these inaccuracies from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts ) should be removed from my credit file and blocked along with inquiries from XXXXXXXX XXXX and XXXX XXXX should also be removed. These accounts are not my accounts and I was XXXX  when these accounts was opened in my name.

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 2025-04-11 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 a victim of identity theft per FCRA 611 15 USC 1681 & 1681 c-2, these inaccuracies from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts ) should be removed from my credit file and blocked along with inquiries from XXXX XXXX and XXXX XXXX should also be removed. These accounts are not my accounts and I was incarcerated when these accounts was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 a victim of identity theft per FCRA 611 15 USC 1681 & 1681 c-2, these inaccuracies from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts ) should be removed from my credit file and blocked along with inquiries from XXXXXXXX XXXX and XXXX XXXX should also be removed. These accounts are not my accounts and I was XXXX  when these accounts was opened in my name.

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 2025-04-11 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: VA

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 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 2025-04-11 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:
I request Immediate removal of all fraudulent accounts from my credit reports at all three major CRA as required by the Fair Credit Reporting Act ( FCRA ) Section 1681c-2 Block of information resulting from identity theft. Additionally, I request an Investigative Consumer Report ( ICR ) on myself pursuant to the Fair Credit Reporting Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$450.00} Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1400.00}

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 2025-04-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/2025, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken significant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit profile. I Immediately called TransUnion the moment I received an alert through XXXX XXXX that my information had been accessed, to have these fraudulent inquiries removed and inquire about how this was possible with an active Fraud Alert on my credit profile. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit profile and is wholly unacceptable. 

The fraudulent inquiries appearing on my report are as follows : - XX/XX/XXXX ( Finance ) - XX/XX/2025 - XX/XX/XXXX( Finance ) - XX/XX/2025 XX/XX/XXXX ( Finance ) - XX/XX/2025 - XXXXXX/XX/XXXX( Finance ) - XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA. 
I request the immediate deletion of these unauthorized inquiries from my credit report. The primary reason for implementing a fraud alert was to prevent exactly this kind of unauthorized activity, and its failure to do so must be addressed. Additionally, I request an investigation into why my fraud alert was not properly enforced and what measures will be taken to prevent this from happening in the future.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/2025, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken significant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit profile. I Immediately called TransUnion the moment I received an alert through XXXX XXXX that my information had been accessed, to have these fraudulent inquiries removed and inquire about how this was possible with an active Fraud Alert on my credit profile. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit profile and is wholly unacceptable. 

The fraudulent inquiries appearing on my report are as follows : - XX/XX/XXXX ( Finance ) - XX/XX/2025 - XX/XX/XXXX( Finance ) - XX/XX/2025 XX/XX/XXXX ( Finance ) - XX/XX/2025 - XXXXXX/XX/XXXX( Finance ) - XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA. 
I request the immediate deletion of these unauthorized inquiries from my credit report. The primary reason for implementing a fraud alert was to prevent exactly this kind of unauthorized activity, and its failure to do so must be addressed. Additionally, I request an investigation into why my fraud alert was not properly enforced and what measures will be taken to prevent this from happening in the future.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have paid Wells Fargo off however, my payment says 88 %. It doesnt say 100 % I have requested to remove the late payment that is on my report however I talk to manager the manager promised that he gon na remove it and he never did. I feel like Wellsfargo playing games with me. The fact that they actually received all the payment in my credit reporting is messed up is unfair. I have been filing complaint through you guys and nothing has been fixed And also credit bureau did not want to remove because they tell me Wellsfargo says the information is correct Im confused in between at this point. I paid this account off and its not reporting correctly on top of that the late payment that they said they were removed but this concerning is been ongoing without no solution. The fact that they get paid off for the account and lied about information that that they dont wan na fix it concerning for me they really ruined my credit report to XXXX late payment on my XXXX and on myTransUnion I explained that person who said he was manager over the phone what I need to be removed from my report specifically and he lied to me, about everything that he said over the phone which is he promised to remove the late payment. He said he will figure it out exactly after he asked me what I need for resolution for this.

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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was living at an apartment with 2 others. The apartment lease ended XX/XX/year>2024. On XX/XX/scrub> 2024, I went into the office and talked to a representative that I will not be renewing and I want to begin the process. The representative told me to complete a letter of vacate and submit. She emailed the instructions on what to include. I completed the letter of vacate and emailed it back to her on XX/XX/year>2024. I went into the office to verify that she received it which she confirmed. 

Time passed, her or no one got back in contact with me so I thought everything was good for my departure. My lease ended and I moved out and resided elsewhere from XX/XX/scrub>XXXX 2024 to present. 

On XX/XX/year>2024, I get an email from the community stating I have an outstanding balance of XXXX thats due for residing there with non payment from XXXX XXXX XXXX. I immediately contacted them and provided my move out letter and my new lease providing evidence that I was not residing there. They then said they have no roommate release form on file and they have a signed lease for renewal. I immediately let them know that no form was presented to me and I NEVER signed a lease renewal and that its fraudulent. I then Reached out to support to dispute the issue, tried contacting managers via phone calls and emails Multiple times and no one got back to me after countless attempts. I was ignored and heartlessly dealt with. The amount due was then sent to collections and no one assisted me in this wrongful matter. Collections are now destroying my hard earned credit. 
I provided all the proof to both landlord and collection agency and even a police report and still no assistance when Im the victim here.

Company response to consumer: Closed with non-monetary relief