vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
Subject : Request for Full Deletion Due to Inaccurate Credit Reporting XXXX XXXX XXXX  I am filing a formal complaint against XXXX XXXXXXXX XXXX regarding their inaccurate and harmful reporting of a closed and charged-off account. 

This account was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and closed in XX/XX/XXXX. Despite this, XXXX continues to report an active balance of {$350.00} against a {$300.00} credit limit, resulting in a 117 % utilization rate on a CLOSED account. This is not only misleading, but it also violates Metro 2 Compliance Guidelines, which clearly state that utilization percentages should not be calculated on charged-off or closed accounts.

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. XXXX has not updated or verified any payment history since XXXX, and the information being reported is outdated and damaging. 

Due to these violations of both FCRA and Metro 2 standards, I am demanding the immediate deletion of this account from all credit reporting agencies. If XXXX can not provide documented proof of the accuracy and compliance of the reported data, then by law, this account must be permanently removed from my credit profile. 

Please confirm that this account will be deleted from all consumer reporting agencies as a resolution to this dispute.

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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
No response Despite the closure of the institution, the student loan remains active on my credit report and appears to be negatively impacting my credit score. I have contacted my loan servicer, [ Loan Servicer Name ], but have not received adequate assistance in resolving this issue. I believe this loan shou

ld have been discharged due to the schools closure, and I am requesting a full investigation into this matter. Additionally, I would like your help in ensuring that this account is updated or removed from my credit report, if applicable, in accordance with federal student loan discharge policies.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting reliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-23 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-04-23 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: NY

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Unauthorized Inquiry The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 




XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX 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 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
WESTERN FINANCE TLS submitted a hard inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX. I did not inquire with them. I called the number listed. The person informed me shes received a lot of calls stating the same and to call corporate. The number she gave for corporate does not connect to a person. I left a voicemail each time and received no further contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to Wells Fargos written reply concerning my attempt to open a business account for TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, at the XXXX XXXX XXXX. While I understand and respect the importance of compliance with federal regulations, I strongly dispute the conclusions drawn and the treatment I received during this interaction.

1.Unfair Treatment and Inconsistent Application of Policies : Your response alleges that the physical address I provided is associated with another business entitya coin laundromat. However, your internal review fails to acknowledge that my business operates from that address under a shared-use arrangement, a common practice among independent entrepreneurs. I was not given a reasonable opportunity to present further clarification or documentation before being dismissed.

2.Improper Assumptions Without Reasonable Accommodations : No lawful inquiry was made as to whether I had a business relationship with the address or if it was part of a legally permissible co-tenancy. The refusal to accept my explanation or seek additional documentation constitutes a failure to make reasonable accommodation or engage in good-faith verification, as is customarily extended to other applicants.

3.Discriminatory Impact : The abrupt denial of service and the refusal to complete my account application without offering reasonable options or next stepsdespite my willingness to provide supplementary proofraises concerns under Title VI of the Civil Rights Act and the Equal Credit Opportunity Act ( ECOA ), which prohibit discriminatory practices in financial services, particularly against minority business owners. I request a full investigation into whether similarly situated applicants were afforded the same level of scrutiny.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection/Charge Off ( TransUnionXX/XX/XXXXXX/XX/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 2025-04-24 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: NC

Complaint narrative:
Subject : Final Notice FCRA Violations by TransUnion / Failure to Remove Fraudulent Accounts : This correspondence serves as a final notice regarding TransUnions continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to its failure to remove fraudulent accounts from my credit file, despite multiple formal disputes and documented proof of identity theft. 

I have provided all required documentation, including FTC Identity Theft Affidavit # XXXX, substantiating my claims. Furthermore, I have submitted XXXX formal complaints to the Consumer Financial Protection Bureau ( CFPB ) : CFPB Complaint # XXXX, submitted on XX/XX/XXXX CFPB Complaint # XXXX, submitted on XX/XX/XXXX CFPB Complaint # XXXX, submitted on XX/XX/XXXX Despite these repeated efforts, TransUnion has failed to take action XXXX accordance with FCRA XXXX, which mandates the deletion of accounts resulting from verified identity theft. Additionally, TransUnion has failed to disclose its method of investigation, as required under FCRA 611 ( 15 U.S.C. 1681i ).

TransUnions claim that internal policy prevents the removal of these fraudulent accounts is not only unacceptableit directly contradicts federal law. Once a consumer provides valid evidence of identity theft, the FCRA requires the removal of such data. I am once again demanding the immediate deletion of the following fraudulent student loan accounts from my TransUnion credit report XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX, Account XXXX. XXXX * * XXXX XXXX XXXX. Opened XX/XX/XXXX, Account XXXX. XXXX * * These accounts, which include collections, charge-offs, and late payments, are the result of criminal identity theft and are documented through an FTC criminal complaint and supporting records already in your possession.

TransUnion is hereby given four ( 4 ) business days from the date of receipt of this notice to comply and permanently remove these accounts. Failure to do so will result in immediate escalation, including continued coordination with the CFPB, formal reporting to the Federal Trade Commission, and pursuit of civil litigation for statutory damages under the 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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a credit card from BMO after getting an auto loan from them in XXXX I used the card often, so it wasn't a non usage issue, the account was not delinquent, my payments were on time and it was in good standing. I got an alert through Equifax about the account being closed in XXXX. I contacted the card issuer to see if this was an error and was informed the account was closed, the decision was final, and I'd receive a letter outlining the company 's reason for closing the account. When the letter arrived 20 days later, it explained nothing and was a standard form letter. I reached back out to the company with no further explanation as to the account closure. The card had a limit of over {$4300.00}, so it's closure will have a negative impact on my credit score. I do find it extremely suspicious that the company considered our business relationship as one " that may not fit within their requirements '' shortly after the original car loan, which was XXXX months, was paid off in XXXX of this year, after trading the car in, only XXXX months prior to them reviewing my account and determining our relationship didn't fit within their requirements, even though the account was in good standing. I feel the company singled out consumers who's loans were paid off before the end of their terms and their accounts were reviewed and probably closed as mine was closed.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I also dispute the continued reporting of a XXXX XXXX XXXX XXXX account on my credit report, for which I am only listed as an authorized user. 

This account is appearing on my [ Experian, Equifax, and/or TransUnion ] report ( s ), even though : I was never a primary account holder, nor legally obligated for the debt.

The account shows adverse payment history and/or balance information that is negatively impacting my credit. 

I have already requested that XXXX XXXX remove me from this account as an authorized user. 

According to FCRA 603 and Metro 2 guidelines, furnishers must ensure accuracy and relevance of reported data. Since I am not legally responsible for this account, its continued presence violates both the FCRA and furnishing responsibilities under the Fair Credit Billing Act ( FCBA ).

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FCRA SECTION 605B, part of the Fair Credit Reporting Act ( FCRA ), allows identity theft victims to request that consumer reporting agencies block the reporting of information on their credit reports that resulted in identity theft or victim of Data breach and I am victim of the XXXX XXXX XXXXata breach

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
About 3 months ago I lost my phone with all my banking information and emails, my credit card had scheduled payments that were rejected by my bank since the account was locked due to my loss of the phone, I never received an email from Capital One saying they would make the decision to close my account, when I was able to recover my phone ( not my phone ) but access to iCloud and I was able to make payments again, I made a full payment on my credit card and the next day they decided to close my account without any prior notice. I have been asking for explanations or at least the fact of appealing and showing proof of everything that happened but they tell me that they can't do more and it is a final decision

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with non-monetary relief