vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: U.S. BANCORP
State: CA

Complaint narrative:
Issue : Improper / Unverified Hard Credit Inquiries Failure to Provide Required Documentation Several hard inquiries appear on my consumer report. 
I requested verification, and none of the companies listed have provided the documentation required under the Fair Credit Reporting Act ( FCRA ), Regulation V, or XXXX XXXX standards to prove they had a valid permissible purpose. 

Under 15 U.S.C. 1681b, a furnisher must maintain documented proof of a permissible purpose before accessing a consumer report. 
Under 609 ( a ) ( 1 ) and 611, I have the right to request : Permissible purpose documentation Original application or authorization Digital audit trails Identity verification evidence XXXX XXXX compliance records Furnisher submission logs Any records proving how the inquiry was initiated None of the companies have provided these documents. 

I am requesting a CFPB-supervised reinvestigation because the furnishers have failed to verify the accuracy or legitimacy of these inquiries.

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 2025-11-14 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-14 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: AR

Complaint narrative:
I pulled my credit for a mortgage loan and learned of the inaccuracies.

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 2025-11-14 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: AR

Complaint narrative:
I pulled my credit for a mortgage loan and learned of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 filing this complaint with Equifax to request the correction of inaccurate personal information in my credit report. This is the second complaint submitted regarding this matter. The current inaccurate information is negatively impacting my credit score and my financial opportunities. 

Personal Information to Correct : Full Legal Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> Current Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Employer : XXXX XXXX XXXX XXXX Legal Basis ( FCRA Violations and Rights ) : 607 ( b ) Duty of Accuracy : Equifax must maintain the maximum possible accuracy in all consumer information. 

609 ( a ) Right to Dispute : Consumers have the right to dispute inaccurate information, and Equifax must investigate and correct errors. 

611 ( a ) ( 1 ) ( A ) Reasonable Reinvestigation : Equifax must conduct a complete and reasonable reinvestigation of all disputed personal information. 

611 ( a ) ( 5 ) ( B ) Reinsertion Rules : Any previously corrected information that reappears must be certified by the furnisher and reported to the consumer in writing. 

Request : Immediate correction of my personal information. 

Removal of all variations, aliases, previous addresses, or incorrect personal information. 

Ensure my credit report reflects only the accurate information listed above, as the current inaccuracies are affecting my credit score. 

Provide written confirmation once the corrections are complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TomoCredit Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a service called TOMO credit in hopes of boosting my credit profile. I paid {$300.00} for a VIP package that's suppose to report to all three credit bureaus on my behalf. Since then this company has not reported to any of the bureaus and I'm suspecting fraud and false advertising on their behalf. On three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) i asked the same question " Why isn't Tomo reported '' i was sent a automated response instructing me to like my bank account through plaid. Since linking the account the company is still not reporting and at this point I am requesting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage applied HERO Loan to my escrow account and shot my house note up sharply and now I am in active foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo did not address the substance of my previous complaint. They reframed my issue as a customer service problem even though my complaint was entirely about the overdraft fees, the misleading fee disclosure, and the financial harm caused. 

Key concerns that Wells Fargo ignored : I was charged seven overdraft fees within 3 days. 
Several overdraft fees were higher than the original transaction amounts. 
Wells Fargos written notice states a maximum of three fees, without clarifying that this limit applies per day, which is misleading. 
Their response was a generic template and did not investigate or address any of the issues I raised. 
Their refusal to consider a refund was based on a prior courtesy refund from nearly a year ago. 

I am requesting a substantive review of Wells Fargos overdraft practices, their misleading disclosure, and the disproportionate impact of these fees on low-income customers. 

I have attached the overdraft notice showing Wells Fargos unclear disclosure stating a maximum of three fees, which does not indicate this applies per day.

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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CFPB COMPLAINT ( Unified Multiple Institutions ) Ref : XXXX Contact : XXXX ( email only, XXXX accommodation ) Business : XXXX XXXX XXXX  ( XXXX XXXX ) Owner : XXXX XXXX XXXX XXXX  Complaint Summary : Multiple financial institutions have blocked or restricted communications with my business due to issues relating to my XXXX email-only contact method. As a XXXX business owner operating exclusively through email communication, I am being unfairly prevented from accessing normal services, support, underwriting, and account maintenance. This includes Capital One, XXXX, XXXX, and others. The continued blocking of my business email addresses ( XXXX and XXXX ) has interfered with basic access to credit, account updates, and dispute resolution. 

Details : I am a XXXX XXXX  and operate solely through email as an XXXX accommodation. My business relies on XXXX email addresses ( XXXX and XXXX ). Multiple financial institutions have chosen to block or reject emails from these domains instead of using XXXX communication methods. As a result : 1. I am unable to communicate regarding essential account activity. 
XXXX. I am unable to resolve disputes or receive proper explanations for adverse actions. 
XXXX. Underwriting decisions were made without proper review, transparency, or accessible communication. 
XXXX. The institutions ignored or bypassed my XXXX accommodation. 
XXXX. This has caused harm to my business operations, credit-building efforts, and access to financial products. 

The blocking of my business email domains by banks effectively removes my ability to interact with them at all. This is discriminatory in effect, violates XXXX communication standards, and prevents me from maintaining or challenging decisions on my accounts. 

Requested Resolution : I am requesting CFPB assistance to require these institutions to : XXXX. Unblock and whitelist my business email domains ( FoldUpAudi.com and FoldUpAi.com ). 
XXXX. Acknowledge and honor my XXXX accommodation requiring email-only communication. 
XXXX. Provide written explanations for any past adverse actions, underwriting decisions, account reductions, or denials that I could not receive due to blocked communication. 
XXXX. Restore or reassess decisions made without valid communication ( including credit line reductions or unresolved disputes ). 
XXXX. Ensure future XXXX communication protocols are in place for my business accounts. 

This issue affects multiple institutions and has caused substantial, ongoing interference with my ability to operate my business and manage my accounts. I am seeking prompt and complete correction. 

XXXX XXXX : Email only, due to XXXX : XXXX Ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding USAA Federal Savings Bank and their handling of my debit card dispute ( Dispute # XXXX ). 

On XX/XX/XXXX, USAA notified me that they were reversing the provisional credit of {$2400.00} for an unauthorized transaction at XXXX XXXX XXXX dated XX/XX/XXXX. They claimed no error occurred but did not provide any documentation, evidence, or explanation supporting their decision, which is a violation of Regulation E ( 12 CFR 1005 ).

I requested : The documentation USAA used to make their determination A clear explanation of how they concluded the charge was authorized Proof that I authorized or benefited from the transaction A pause on the reversal pending a proper review USAA has not provided any of this.

Regulation E requires the bank to : 1. Provide the evidence relied upon 2. Allow the consumer to rebut the findings 3. Consider additional evidence before finalizing a reversal USAA is attempting to withdraw {$2400.00} from my account without giving me the legally required evidence, and without giving me an opportunity to rebut their findings. This reversal will significantly and negatively impact my finances. 

I am requesting that the CFPB intervene to ensure : USAA provides all documentation used in the investigation USAA reopens the dispute for a full and fair review The reversal of the provisional credit is paused until all Regulation E requirements are met USAA properly explains how they determined this transaction was authorized I believe USAA has mishandled the investigation and failed to follow federal consumer protection guidelines. 

Thank you for your assistance. 

Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX  CA 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 explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Failure to Initiate Required Investigation Under the Fair Credit Reporting Act ( FCRA ) I am submitting this complaint because the company refused to initiate an investigation into disputed information appearing on my TransUnion credit report. Instead of complying with its statutory duties under the Fair Credit Reporting Act ( FCRA ), the company unilaterally closed the dispute without evaluating the accuracy of the information or contacting the furnisher. 

The disputed accounts are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The companys closure of my dispute was based entirely on an internal assumption that the request did not originate from me to avoid completing the reinvestigation that the FCRA requires. 



FCRA Violations in Question 1. Failure to Initiate a Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon receipt of a dispute, a consumer reporting agency is required to conduct a reinvestigation to determine whether the disputed information is accurate. 
The company never initiated an investigation. 

2. Failure to Forward the Dispute to the Furnisher 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Once a dispute is received, the agency must notify the furnisher within 5 business days. 
No notice was sent to any furnisher because the company refused to begin the reinvestigation process. 

3. Failure to Determine Whether the Information is Inaccurate, Incomplete, or Unverifiable 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If information is inaccurate, incomplete, or can not be verified, the CRA must promptly delete or modify the information. 
No verification, deletion, or modification was conducted because the CRA refused to investigate at all. 

4. Unreasonable Procedures 15 U.S.C. 1681e ( b ) The FCRA requires CRAs to follow reasonable procedures to assure maximum possible accuracy. 
Closing a dispute based on an unsupported assumptioninstead of performing an investigationconstitutes an unreasonable and unlawful procedure. 

5. Obstruction of the Consumers Statutory Rights Refusing to investigate based on an unverified assumption deprives the consumer of their statutory dispute rights, frustrating the entire purpose of 1681i. 
This refusal itself may constitute an independent FCRA violation.

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 2025-11-14 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, TransUnion reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. TransUnion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n .XXXX XXXX XXXXXXXX This is your opportunity to remedy this before further legal escalation. I am fully prepared to exercise all rights afforded to me under 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 explanation