vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-22 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am requesting CFPB review regarding a 90-day late payment reported by Aidvantage on my federal Direct Consolidation Loan.

This late payment occurred due to my mistaken belief that I had successfully enrolled in autopay. Although I later discovered that the payment had not been processed and that Aidvantage had likely issued email notifications, I did not see those emails in time to take action. I take full responsibility for this oversight. As soon as I realized the issue, I paid the full overdue balance in a single transaction. This was my only late payment and not representative of my payment behavior or intent. 

I am not contesting the factual accuracy of the late payment but am asking the CFPB to review Aidvantages refusal to consider goodwill adjustments, even in cases where a borrower takes prompt corrective action and has a clean payment history otherwise. This one mistake dropped my credit score XXXX points, which is now a score that landlords will not even entertain considering me for a lease, even though I have never made a single mistake in rent payments. If I can not get accepted anywhere due to this abysmal credit score, I will not be able to stay at my place of employment. The consequences feel vastly outsized relative to my overall financial behavior, especially considering the late payment has already been provided in full. 

I submitted a goodwill request to Aidvantage, asking them to consider removing this late mark based on the unique and disproportionate harm it caused. However, I was told that Aidvantage does not offer goodwill adjustments, with no option for a nuanced or case-by-case review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-22 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-22 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: TX

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-22 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for the U.S. Bank XXXX XXXX  in XXXX of XXXX, specifically to complete a balance transfer, as they were offering a 0 % APR promotion for XXXX  months. When I first applied, my application was denied. After following up with the company, a representative informed me that there was no clear reason for the denial and resubmitted my application for manual review. 

I was eventually approved, and during the application process, I had requested the balance transfer. I was told I would receive an email or letter with details regarding the transfer, but I never received any information. 

I called U.S. Bank today ( XX/XX/year> ) to resolve the issue and was informed that theres nothing they can do and that the balance transfer information was never provided to them. As a result of this ongoing issue, I now have XXXX hard inquiries on my credit report, and the matter remains unresolved.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX  immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. Specifically, the fraudulent account being reported is a XXXX XXXX, account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened in XX/XX/year>, with a reported balance of {$1000.00}. This account does not belong to me, was never authorized by me, and must be immediately blocked and permanently deleted pursuant to the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX in XX/XX/year> under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. This account has resulted in fraudulent hard inquiries and adverse reporting on my consumer FICO credit file. I demand that this fraudulent item be permanently removed from all of my consumer credit reports and that all collection activity related to it cease immediately pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been incorrectly reported on my credit file. I have no connection to this account and never authorized it. Its presence is misleading, false, and damaging.

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 2025-08-22 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: Fay Servicing, LLC
State: MI

Complaint narrative:
I have concerns about the corporate advance fees that I see of {$1900.00}, ( XXXX ) default letter vs the {$1800.00} corporate advance fees shown in my actual mortgage statement from XXXX. 

During this time, I believe I fulfilled all of my payment requirements of {$4500.00} plan. I was told today I defaulted on the plan. I don't believe that because I went right back to my original loan payment beginning in XXXX. I can verify XXXX ; XXXX on the web portal, however, XXXX is not even there for XXXX as far as mortgage statement. 

I asked Fay Servicing to provide the following and have yet to receive anything a shown below : 1. Can you please provide my XXXX mortgage statement ; it is not online? 
2. Can you please provide an itemized list of each item/amount of the {$1800.00} corporate advance fees that is shown on mortgage statement. 
3. Of the total amount of the {$1800.00} in # XXXX corporate advance fees, was any of this paid in the XXXX payment plan? 
4. Can you please verify if any of the {$1900.00} corporate fees was apart of the XXXX corporate fees? If not, please provide me with an itemized list of each item/amount. 
5. Can you please provide a breakdown of what I was paying in the {$4500.00} monthly amount. ( past due payment, late fees, corporate advance fees ) 6. If any of the corporate advance fees was paid in # XXXX above, will I be credited for it and will a new payment plan amount be modified so I am playing the correct amount in the XXXX payment plan? 
7. XXXX Bank was my original servicer ; then transferred to XXXX XXXX then sold to you. Every time I ask about where these fees amounts are coming from and what they are, I can't get an answer ; can you provide me with a contract showing charges period ( e.g. late fees, where is this coming from ). The representative XXXX read me a fee today and I told her, where is this coming from ; she stated she could see it but I can't. This is illegal. You can't charge people something and they have no idea what is going. 

My main concern is that I believe I am being charged twice ; the amount of corporate advance fees XXXX, is now included in the XXXX payment plan ; Even if I defaulted as they state, I still made XXXX payments in the amount of {$4500.00}. 

The contact provided on my contact letter provided nothing but an email and did not respond when I emailed her. I have no number or anything. The name is XXXX XXXX. 

Fay Servicing charges you two months in advance on a payment plan instead of charging you what is behind. Making it difficult for you to succeed. 

They are cons and monsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Formal Notice of Ongoing FCRA 605B Violation XXXX XXXX Re : Wells Fargo Continuing to Report During Pending Investigation XXXX XXXX XXXX XXXX  Case No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention : Wells Fargo Executive Office Legal & Compliance Department XXXX XXXX  Under the Fair Credit Reporting Act, XXXX XXXX once a valid FCRA 605B request is submitted to the credit reporting agencies, the furnisher ( Wells Fargo ) is required to completely stop reporting the disputed account to all credit bureaus. Despite this clear legal requirement, Wells Fargo continues to furnish the account while simultaneously admitting the matter is still under investigation and pending final review. On XX/XX/year>, I contacted the Wells Fargo Executive Office at XXXX. My assigned account representative, XXXX  ( extension XXXX ), was unavailable. Another representative assisted me and confirmed that the Wells Fargo credit card account remains under investigation. I was originally told this would be resolved by XXXX XXXX XXXXXX/XX/year>, yet the resolution date has been repeatedly pushed back without explanation. This creates an obvious contradiction : how can Wells Fargo tell the credit bureaus that the account is verified as accurate while simultaneously admitting the account is still under active identity theft investigation? It is legally and logically impossible to do both. Wells Fargos Legal Violations 1XXXX XXXX XXXX  15 U.S.C. 1681c-2 ( c ) ( 2 ) XXXX XXXX  : Once notified of a 605B block, a furnisher XXXX may not furnish the information that was blocked to any consumer reporting agency XXXX unless it has certified the information is accurate. Wells Fargo has admitted it has not reached a final determination. 2. XXXX XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX : A furnisher shall not furnish information if it knows, or has reason to believe, the information is inaccurate. By keeping the account under review while continuing to report it, Wells Fargo is violating this provision. I have filed a XXXX XXXX formal civil complaint against Wells Fargo XXXX XXXX  for these violations through my attorney, XXXX XXXX XXXX XXXX XXXX XXXX  Every day that Wells Fargo continues to furnish this account in violation of the FCRA increases the harm to me and will be grounds for seeking XXXX XXXX higher punitive damages.

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