vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any link to these accounts ; please remove them within XXXX  days per 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 2025-11-07 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: KS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-07 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: KS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

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 2025-11-07 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: NV

Complaint narrative:
I called Wells Fargo at XXXXXXXX XXXX XXXX XXXX ) to discuss being removed from the With Extra Day Grace Period feature on my account. I was informed by the representative that I could not opt out of this feature. I do not want to participate in this program. If I wanted overdraft protection, I would have opted into it myself. Since I did not, I should not be forced into this feature or be subjected to unwanted fees associated with it. 

XX/XX/XXXX and XXXX XX/XX/XXXX they charged me XXXX fees XX/XX/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 explanation
Consumer complaint received 2025-11-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
For the past XXXX XXXX I have been trying to make a payment. My mortgage company merged with another company and when I called them about their website not working they said I would not be able to pay for XXXX XXXX and everything will Be delayed XXXX XXXX & I will not be negatively impacted with my credit report, or late fees. After the XXXX months passed, the site is still not working, and they changed my account number. I finally log in and the site does not allow me to make a payment. So I call them to process my payment and they now tell me I am XXXX XXXX behind and owe XXXX XXXX payment. I explain I have been trying to process payments and unable to because of their issues, not my issues. I am trying to make my payment for this month but they will not process it and the website does not allow me to make a payment and they put me on hold for long periods of time.

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 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
CFPB COMPLAINT PENNYMAC LATE REPORTING IN ERROR ( ASSERTIVE LEGAL STYLE ) SUMMARY OF ISSUE : XXXX has inaccurately reported my mortgage as XXXX  days delinquent in XXXX, despite the fact that the circumstances leading to this reporting were created solely by conflicting, misleading, and erroneous guidance provided by multiple PennyMac representatives during a hardship/forbearance period. I am requesting immediate removal of the negative reporting and correction of my account. 
STATEMENT OF FACTS : XXXX. During a financial hardship, I contacted XXXX and was placed into a forbearance program. 
XXXX. During the forbearance disclosure, I was explicitly instructed not to miss any payments, as doing so could result in late reporting or removal from forbearance. I relied on this representation and ensured payments were made on time and received by the first business day each month. 
XXXX. While in forbearance, different XXXX representatives gave me contradictory and incorrect information concerning how and when I could remit payments. 
- XXXX representative informed me I could only make XXXX payment per month, and that my attempt to pay ahead would require a one-time courtesy correction. 
- I was also instructed not to make any additional or early payments. 
XXXX. Upon exiting forbearance, I contacted XXXX immediately to bring the loan current. Day XXXX following forbearance.Their system would not allow me to make a payment online, so I called for a reinstatement figure. 
- XXXX provided inconsistent answers regarding reinstatement and payoff amounts. 
- Eventually, XXXX representative permitted me to make the payment over the phone. 
XXXX. After the loan was brought current, XXXX charged a late fee and reported me 6089 days delinquent for XXXX. 
XXXX. I contacted XXXX multiple times to dispute this. A manager acknowledged the contradictory guidance I received. 
XXXX. Despite this acknowledgment, XXXX refused to remove the inaccurate reporting. 
LEGAL BASIS FOR DISPUTE : XXXX  actions appear to violate : - RESPA ( 12 U.S.C. 2605 ) - FCRA ( 15 U.S.C. 1681s-2 ) - CFPB Regulation X ( 12 C.F.R. 1024 ) REQUESTED RESOLUTION : I am requesting that XXXX : XXXX. Remove the 6089 day late payment reporting for XXXX from all credit bureaus. 
XXXX. Remove/refund any late fees. 
XXXX. Provide written confirmation of the corrected credit reporting. 
XXXX. Update internal records to reflect this resulted from servicer error, not consumer negligence. 
EVIDENCE AVAILABILITY : I can provide payment records and notes upon request. PennyMacs call recordings will verify the inconsistent instructions I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc.
State: NY

Complaint narrative:
My former XXXX XXXX credit card account is being inaccurately reported on my credit reports. 

The account was transferred to XXXX XXXX XXXX XXXX ( XXXX ) and settled in full on XX/XX/year>, as confirmed in a written settlement letter. That letter states that my obligation to XXXX is fully satisfied and the balance is {$0.00}. 

Despite this, XXXX continues to report the account as charge-off/ settled for less than full balance. The account is closed, has a {$0.00} balance, and should not carry a charge-off status. 

I contacted both XXXX and XXXX. XXXX confirmed that they no longer report to the credit bureaus and that XXXX remains the reporting creditor, while XXXX stated they can not update closed accounts. This leaves the negative status on my credit report even though the debt has been resolved. 

This incorrect and outdated reporting is harming my credit score and employment opportunities. I am attaching a copy of the XXXX settlement confirmation letter and my current credit report showing the inaccurate status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please treat this as my official dispute of the accounts noted. I have no association with them and did not authorize their creation. I respectfully request that they be reviewed and removed. Relevant documents are attached.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my student loan account was charged approximately {$3100.00} in interest all at once. There was no clear explanation or prior notice for this capitalization event. I have not missed payments, changed repayment plans, or entered or exited a deferment/forbearance period recently that would justify this charge. 
There was also NO billing statements available and no mention proof of why it was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I submitted a dispute to Equifax via certified mail to challenge inaccurate and unverifiable reporting in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ).

The following accounts remain inaccurate and unverified : XXXX XXXX / XXXX reflects an inaccurate late payment never verified by the creditor. 
XXXX XXXX ( XXXX XXXX ) sold and transferred account still reported with derogatory history. 
XXXX  / XXXX XXXX XXXX duplicate of the XXXX XXXX tradeline, creating inconsistency and inaccuracy across bureaus. 
Equifax has failed to conduct a proper reinvestigation or provide documentation verifying accuracy. Continuing to report unverifiable data violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OK

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 2025-11-07 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim.

According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX my Credit saw breach by XXXX XXXX XXXXXXXX and someone started using my credit applying for credit card. I stared to get call from XXXX XXXX in XXXX XXXX XXXX, but I was dealing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so when I got a little better, I sent a report Police and FTC report and a dispute letter. They removed it for a few months, and it came back I re sent it again and they removed it for a few months, and it came back. I HAVE THE IDENTITY THEFT CASE WITH XXXX  SETTLEMENT CASE 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