vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: TN

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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have continued to contact US Bank regarding a dispute that I filed. I have been placed on hold for over thirty minutes twice today, XX/XX/XXXX, and once the day before. I also sent a response to an email sent by them and received no response. The day I placed the complaint, I was on the phone for over an hour giving information, being on hold and having rude people talking while I am talking to a supervisor. I do not understand why I must complete the process over again, when I was on the phone for such a long time, giving information. I have not received the letter in the mail that was supposed to be coming, yet the information is due by XX/XX/XXXX. There should be a simple process. I do not think it is appropriate to pay to print a document and mail it to the company. I also do not think it is appropriate to ask for something to be due, before the letter with the information even arrives. I was offered the option to make the complaint all over again! Why? If you need additional information, just ask for that specific information. However, I sent an email asking what specifically I needed. This does not have to be that stressful.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing this complaint because a repossession account from Credit Acceptance Corporation has been inaccurately reported on my credit file. The vehicle in question was purchased from a dealership that later filed for bankruptcy. The title for the vehicle remains in my name, and at no point did I default on my payments, voluntarily surrender the vehicle, or receive any lawful notice of repossession. After the dealership went out of business, I was never contacted by Credit Acceptance or any third party regarding missed payments or repossession actions. I later discovered that Credit Acceptance had reported a repossession to the credit bureaus, an action I did not authorize and was unaware of until I reviewed my credit report. This appears to be the result of the dealerships bankruptcy and failure to properly process or transfer account information, not any wrongdoing on my part. I am now being unfairly penalized for a repossession that never lawfully occurred. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Credit Acceptance Corporation to immediately remove the repossession entry from my credit report in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We submitted pay off to the company, we submitted tracking number to the company. They claim they never received it. We made an additional payment on the account on XX/XX/year>. They didnt expect or post payment until XX/XX/year> which resulted in the account going 31 days past due. 

I provided proof of payment and the still will not remove late payment

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was incarcerated from XXXX to XXXX. My information was stolen and sold. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No : XXXX. I did not authorize these accounts.

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 2025-10-15 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-15 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: PR

Complaint narrative:
On a prior date, the account XXXX  - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent.

Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency Equifax stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within five ( 5 ) business days of the reinsertion, as required by FCRA 611 ( d ).

No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within four ( 4 ) business days after receipt of an official FTC Identity Theft Report, and FCRA 623 ( a ) ( 3 ), which requires furnishers to update or correct previously disputed information.

The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information.

This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score.

The disruption of a pending mortgage application.

Financial and reputational damage to my credit profile.

I have made multiple good-faith attempts to resolve this matter directly with the credit reporting agency , but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have attempted to withdrawal my money off my account since the day I opened it and they wont allow me to take my money out of my account because my account is in closure status. And they wont give me another reason why!

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 2025-10-16 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:
My consumer name : XXXX XXXX, XXXX XXXX, Date of Birth : XX/XX/XXXX. This CFPB Complain has been filed to request pursuant to 18 U.S. CODE & 1028A- AGGRAVATE IDENTITY THEFT. That you Equifax credit reporting agency, block and delate and get the right information appearing on my consumer credit report. According to 18 U.S CODE & 1028A, Aggravate identity theft is a serious federal offense, I discovered that my personal information had been affected by the Data Breach and used to open fraudulent accounts and make unauthorized transactions. Despite my efforts to report these incidents to the proper authorities and take steps to secure my identity Im sick and tired that Equifax knowing that i was affected by the Data breach. They havent removed or handled my personal information faithful, after several disputes ( by mail and phone calls still have wrong personal informations and accounts that no belong to me. Current address such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ACCOUNT SUCH XXXX  XXXX  OPENED ON XX/XX/XXXX, XXXX XXXX OPENED ON XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XXXX XXXXTHEY SHOULD NOT APPEAR UNDER MY CREDIT REPORT. I am deeply concerned about the impact that this identity theft has had on my financial stability, credit rating and overall well being. I Have sent documentations and phone call.They refused as a joke to handled my information right. I urge the consumer Financial Protection Bureau your prompt attention to this matter that the aforementioned accounts and address they should not appear on my consumer credit report maintained by EQUIFAX. Ive attached a picture of my driver license and social. DATA BREACH DOCUMENT NUMBER XXXX AND POLICE REPORT CASE # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter saying my wells fargo account will close on XX/XX/XXXX, witch i called multiple places to get an explanation and they just said it was a business decision. That isn't right I've been having my account for years and out of no where they just decide to close it for no reason, I open another account and I got approved but within hours they sent me an email saying they will also close the new account. That I couldn't have no accounts with wells fargo and I call and no one can give me a good reason why

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 2025-10-15 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: NC

Complaint narrative:
Subject : Inaccurate Reporting of Paid Account XXXX & Equifax I am filing a formal complaint against XXXX and Equifax for failing to accurately report the current status of my XXXX credit account ending in # XXXX. 

The account has been paid in full, and the payment has been fully processed. Despite this, Equifax continues to report an outstanding balance, which is both inaccurate and harmful to my credit profile. I have confirmed with XXXX that the account should reflect a {$0.00} balance and a paid-in-full status. 

I can confirm that XXXX has received and processed the final payment, as the account is already being reported as paid in full with a {$0.00} balance by XXXX. This clearly shows that XXXX has updated the account status with at least XXXX credit bureau, and the failure of Equifax to reflect this update constitutes a breakdown in compliance with the FCRAs requirement to maintain accurate and consistent consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), both furnishers ( XXXX ) and consumer reporting agencies ( Equifax ) are legally obligated to ensure the information they furnish and maintain is complete and accurate at all times ( FCRA 1681s-2 ( a ) ).

Although furnishers and credit bureaus typically have up to 30 days to resolve disputes, the FCRA does not allow the reporting of inaccurate or outdated information during that time. In this case, the balance has already been satisfied and processed, and Equifaxs continued reporting of a balance is a clear violation of the FCRA. 

I am formally requesting that : XXXX update all credit reporting agencies, including Equifax, to reflect a {$0.00} balance and paid-in-full status. 

Equifax correct its reporting immediately to reflect the accurate status of the account. 

Both parties confirm in writing that the updates have been completed and that my credit report has been corrected. 

If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and will consider legal action for ongoing violations of federal law and continued credit harm. 

This message serves as a formal dispute and demand for correction, and I request final resolution and written confirmation within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
XXXX XXXX ( Data Mortgage Inc. d/b/a XXXX XXXX ) has recently caused a new Assignment of Security Deed to be recorded in XXXX XXXX, Georgia XXXX dated XXXX XXXX XXXX  This was done after I filed a Quiet Title and Lis Pendens, and while XXXX remains listed as Inactive on the official MERS ServicerID database. 

XXXX has repeatedly failed to provide a certified recorded Security Deed in its name, yet continues to contact me about the loan and has now submitted what appears to be a retroactively signed and unverified assignment to fabricate ownership. 

The XXXX XXXX XXXX record lists this assignment as Not Verified, confirming it is not yet accepted for recording. XXXX actions appear to violate federal servicing and disclosure laws and may constitute fraudulent or deceptive filing activity under Georgia law. I also have written admissions that homespire and XXXX never recorded the sercurity deed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One notified me that my account would be closed if I did not provide proof of payment for a recent transaction. I promptly sent a screenshot of the payment confirmation on XXXX XXXX XXXX as requested. Despite doing so, my account remains restricted, and I have not received any clear explanation or confirmation that the issue has been resolved. 
I have contacted Capital Ones customer service multiple times, but I continue to receive generic responses stating that my account is under review. This ongoing restriction prevents me from accessing my funds and has caused financial hardship. 
I believe Capital One has failed to handle this matter properly or communicate effectively about what is needed to restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
Please see supporting documents pertaining to the effects of XXXX  and transunion data breech.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-10-15 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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