vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, & Equifax regarding Account # XXXX ( XXXXXXXX XXXX XXXX ). 

The credit bureaus are reporting illegal re-aging and inaccurate balance reporting on this charge-off account.

The correct Date of Last Payment is XX/XX/XXXX, yet they are reporting improper and inconsistent Dates of Last Activity ( TransUnion and Equifax : XX/XX/XXXX, Experian : XX/XX/XXXX ). 

In addition, I have received written confirmation that this debt was SOLD to a third-party debt buyer, XXXX. As such, per FCRA, Metro2 reporting standards, and industry best practices : The original creditor ( XXXX ) is required to report the balance as {$0.00} They must no longer show an active " past due '' balance once the debt has been sold.

Continuing to report a full balance alongside the collection account constitutes double reporting, materially misleading to future creditors and a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Requested resolution : Immediate correction of the Date of Last Activity to match the Date of Last Payment ( XX/XX/XXXX ). 

Immediate update of the XXXX tradeline to reflect a {$0.00} balance, removing all " past due '' balance reporting, per Metro2 and FCRA standards.

Full written confirmation of compliance and correction.

I have already filed formal disputes with the credit bureaus and am requesting CFPB intervention to ensure compliance and prevent ongoing harm to my credit profile.

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 2025-06-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to report that I lost my bank card on XX/XX/XXXX. Shortly after losing the card, I noticed that a large number of transactions started being withdrawn from my account total amount of {$820.00}, none of which were authorized by me. 

I have already submitted a request for a refund regarding these unauthorized transactions from Wells Fargo on XX/XX/year>, but I have not yet received any response. I kindly ask you to investigate this matter urgently and provide an update on the status of my refund request. 

Thank you for your attention and assistance.

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 2025-06-13 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: U.S. BANCORP
State: GA

Complaint narrative:
I am writing to express my deep concern regarding a fraudulent US Bank credit card account that is being reported under my name by XXXX. Despite my detailed explanation that I have never held a US Bank credit cardnor a debit cardXXXX irresponsibly closed my dispute and chose to keep this erroneous account on my credit file. Their assertion that the information was verified is simply unacceptable.

The account in question reflects a charge-off of {$990.00} and a total balance of {$1300.00}. I want to be clear : I did not open this account, I have no association with US Bank, and I have never given anyone the authority to open an account in my name. This could either be a glaring case of identity theft or a significant reporting error, but in either scenario, it is not my responsibility.

In my previous dispute with XXXX, they claimed to have " verified '' the account. Yet, they failed to provide any tangible evidence, leaving my credit report unchanged and unjustly damaging my financial standing.

I have meticulously reviewed all my records, and there is no indication that I ever opened this account.

As a next step, I am in the process of filing an identity theft report.

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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I received a call from SANTANDER at XXXX XXXX which is outside of the allotted time for any collections could take place. I have included a screenshot of the call and the time in which it took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Experian Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/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 explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-13 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: IA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. This account is fraudulent closed, which inhibits my ability to obtain credit and should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  ( XX/XX/year>2018 )

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 2025-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SERVICEMAC, LLC
State: SD

Complaint narrative:
I am a XXXX  and the owner of the home that is currently under contract for a XXXX XXXXXXXX. XXXX XXXX, subserviced by XXXX, has been no help whatsoever. I can not get answers no matter who we talk to. Everyone gives you the run around, and they constantly ask for more paperwork that had already been sent prior. This company has had our paperwork since XX/XX/year>, and we still have no answer as of XX/XX/year>. We have received the run around since XX/XX/year> since the company received the paperwork to start the process of the assumption. Everyone that we have talked to gives us " the lender has it for final approval, and we have escalated it again ''. That obviously gets us nowhere. We are just sitting ducks and just wasting money daily on a home that should have been closed on already. We are almost at 90 days, and this company is so terrible to work with. We have an advocacy representative, we thought that would help us get this process moving, all she does is call us and tells us that " I have no update for you at this time. '' We have been with her for a month now, and see where that got us? NOWHERE! Now our buyer may not have any other option but to walk away because he can't resign another month-to-month with his current housing. 
I hate this company with a passion. If you have any way to not work with them, DO NOT! Just because they do not get paid as much as a normal new mortgage loan does not make this ok to just take your sweet time on closing this loan. I am a realtor, and normal mortgage companies can close on a loan in 30 days, sometimes less 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 monetary relief
Consumer complaint received 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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.
State: MA

Complaint narrative:
Summary : XXXX XXXX XXXXXXXX provided written and verbal confirmation that I was approved for a 3-month forbearance on my mortgage. Despite honoring the forbearance by not requiring payments during this period, they reported my account as delinquent and overdue by 31+ days to the credit bureaus without reporting the actual forbearance status. This is false and has severely damaged my credit profile. 

Details : I requested a mortgage forbearance from XXXXXXXX XXXX, which they approved. 
The approval was clearly communicated to me both in writing and during phone calls with their representatives. 
I relied on this approval and did not make payments during the forbearance period, as instructed. 
Despite honoring the forbearance on their end by not requiring payments, XXXX XXXX reported my account as delinquent and 31+ days overdue to the credit bureaus.

They failed to report the account as " in forbearance, '' which is the accurate and required reporting method under CARES Act guidance and industry standards.

The inaccurate reporting has caused a significant and unjustified drop in my credit score, negatively impacting my ability to obtain credit or favorable financial terms. 
I contacted XXXX XXXX to correct this, but they have not resolved the issue or corrected the reporting. 
Harm : My credit profile has been severely harmed due to this false reporting. 
This has caused both immediate and potential long-term financial injury. 
Desired Resolution :

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 2025-06-13 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: MA

Complaint narrative:
Summary : XXXX XXXX XXXXXXXX provided written and verbal confirmation that I was approved for a 3-month forbearance on my mortgage. Despite honoring the forbearance by not requiring payments during this period, they reported my account as delinquent and overdue by 31+ days to the credit bureaus without reporting the actual forbearance status. This is false and has severely damaged my credit profile. 

Details : I requested a mortgage forbearance from XXXX XXXX, which they approved. 
The approval was clearly communicated to me both in writing and during phone calls with their representatives. 
I relied on this approval and did not make payments during the forbearance period, as instructed. 
Despite honoring the forbearance on their end by not requiring payments, XXXXXXXX XXXX reported my account as delinquent and 31+ days overdue to the credit bureaus.

They failed to report the account as " in forbearance, '' which is the accurate and required reporting method under CARES Act guidance and industry standards.

The inaccurate reporting has caused a significant and unjustified drop in my credit score, negatively impacting my ability to obtain credit or favorable financial terms. 
I contacted XXXXXXXX XXXX to correct this, but they have not resolved the issue or corrected the reporting. 
Harm : My credit profile has been severely harmed due to this false reporting. 
This has caused both immediate and potential long-term financial injury. 
Desired Resolution :

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 2025-06-13 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: MA

Complaint narrative:
Summary : XXXXXXXX XXXX XXXXXXXX provided written and verbal confirmation that I was approved for a 3-month forbearance on my mortgage. Despite honoring the forbearance by not requiring payments during this period, they reported my account as delinquent and overdue by 31+ days to the credit bureaus without reporting the actual forbearance status. This is false and has severely damaged my credit profile. 

Details : I requested a mortgage forbearance from XXXX XXXX, which they approved. 
The approval was clearly communicated to me both in writing and during phone calls with their representatives. 
I relied on this approval and did not make payments during the forbearance period, as instructed. 
Despite honoring the forbearance on their end by not requiring payments, XXXX XXXX  reported my account as delinquent and 31+ days overdue to the credit bureaus.

They failed to report the account as " in forbearance, '' which is the accurate and required reporting method under CARES Act guidance and industry standards. 
The inaccurate reporting has caused a significant and unjustified drop in my credit score, negatively impacting my ability to obtain credit or favorable financial terms. 
I contacted XXXX XXXX  to correct this, but they have not resolved the issue or corrected the reporting. 
Harm : My credit profile has been severely harmed due to this false reporting. 
This has caused both immediate and potential long-term financial injury. 
Desired Resolution :

Company response to consumer: Closed with non-monetary relief