vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: MA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX Account Name : XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX, Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was involved in a scam earlier this year. I made XXXX months worth of house payments to what I thought was the last mitigation department at Wells Fargo bank. When I received a foreclosure notice and called Wells Fargo, they told me they did not have a loss mitigation department that took payments specifically. 

Some of the funds used to pay the payments came from Wells Fargo the rest from another bank account. Wells Fargo refused to do anything to support my claim that I had been scammed. I had to pay over {$6000.00} to keep my home from going into foreclosure. I sense have been struggling with being able to make my monthly payments. I am afraid. I dont want to lose my home and I dont know what to do to recoup the money I lost in the scam.

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 2025-09-08 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: NY

Complaint narrative:
XXXX writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

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 2025-09-08 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: NY

Complaint narrative:
XXXX writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

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 2025-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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
Consumer complaint received 2025-09-09 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
XXXX and XXXX are reporting late payments on XXXX accounts ( Rocket MTG ACCOUNT # XXXX * * * * and XXXX XXXX XXXX XXXX XXXX The consumer report is attached to the letter for proof. The account was wrongly reported. 

ROCKET MTG TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a claim ( XXXX ) with chase which was denied 1 day after with no explanation. I provided the documentation and was told they cant help me. I have called them twice since to try to reopen the claim but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
On XX/XX/year>, OppLoans sent me an email saying that my request for a loan had been denied. The email contained an address that is not mine and and a XXXX XXXX that does not match the XXXX XXXX my scorecard. I quickly requested that they report this as fraud/identity theft and, in response, they sent me a boilerplate email about how my loan request had been denied. Again, I did not apply for a loan and I am not even familiar with " XXXX. '' It seems that they are unwilling or unable to do their part in preventing fraudulent loan requests and identify theft so I figured that a report to the CFPB would be the logical next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
I am filing a complaint against TransUnion and XXXX. My personal information was leaked in their data breaches. This puts me at risk of fraud and identity theft. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), if information is disputed and found to be inaccurate or can not be verified, it must be removed. If it is reinserted, the agency must notify the consumer within 5 business days. In addition, 15 U.S.C. 1681c-2 requires that disputed information be blocked or removed within 4 business days when the consumer provides proper notice.

These agencies failed to protect my information and continue to mishandle it. I am demanding : Removal of any inaccurate or reinserted information within the legal timeframe. 
Written notice of what was leaked and how they will prevent this from happening again. 
Full consumer remedies including free credit monitoring and fraud protection. 

I expect the CFPB to investigate and enforce compliance with 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 non-monetary relief
Consumer complaint received 2025-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
- I am writing to dispute the following information that your company supplied to Transunion. I have circled the items I dispute on the attached copy of the Inquiry page from my report. These inquiries from Capital One on XXXX were Unauthorized Hard Inquiries and are inaccurate and I am requesting that Capital One have the items removed. My personal information including my social security number was exposed in a DATA BREACH on XXXX the compromised website was XXXX Enclosed are copies of the inquiries on my credit report supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

XXXX Please see attached Identity Theft Affidavit Capital One is listed in section ( XXXX ) Regarding Credit Inquiries that appear on my Credit Profile as a result of the identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its been nearly a month since I first filed a CFPB complaint against Bank of America regarding my credit card hardship situation, and the company has not responded at all. 

Since losing my job, Ive called Bank of America multiple times requesting a hardship plan that reflects my financial situation. Each time, the reps walk me through a so-called evaluation only to say the * only * option is a non-profit debt management program which still requires me to pay a third party. I asked for actual Bank of America options and documentation, but was told there is nothing else available and nothing in writing to send me. 

This process feels intentionally misleading. I'm not asking to be sent elsewhere I want Bank of America to take responsibility for helping their customers in hardship directly, not push us off to outside companies. The fact that they also ignored a formal CFPB complaint is even worse. 

I need a real hardship plan, in writing, from Bank of America not another scripted call, offering me a debt management program

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 2025-09-09 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: IN

Complaint narrative:
I AM A VICTIM OF MULTIPLE DAT BREACHES AND IDENTITY THEFT SAW ERRORS AND UNAUTHORIZED ITEMS ON MY CREDIT REPORT SO I FILED MY FTC POLICE 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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
THERE WAS A FRAUDULENT SECURITY ON MY CREDIT ACCOUNT, AND I DID NOT GIVE ANYONE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. EVERYTHING IS INACCURATE, AND HAS LOWERED MY SCORE TO THE POINT TO WHERE I DO NOT QUALIFY TO USE MY HOME LOAN AS A MILITARY VETERAN 100 % XXXX. PLEASE REMOVE ALL OF THE ITEMS REQUESTED COMPLETELY OFF OF MY CREDIT REPORT, AND SEND VERIFICATION VIA EMAIL : XXXX to CONFIRM THE REMOVAL OF ALL ITEMS LISTED IN MY LETTERS, PLEASE AND THANK YOU, XXXX BLESS!!!

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
* I here now DEMAND that you permanently and completely eradicate from your reports any other personal identifier data as I do NOT AUTHORIZE you nor any other entity rights to retain or report any data that is one or more of being untrue, incorrect, incomplete, not preconditioned to be supposed or elsewise revealed, untimely, outdated, unverified, invalid, or else wise non-compliant of document proof of precise certification of compliant reporting to include to the perfect and full mandatory XXXX XXXX format reporting standards. I COMPEL you to COMPLY now and always, as is my consumer RIGHT ( s ) to do so

Company response to consumer: Closed with non-monetary relief