vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I put my money In my Wells Fargo account and my account was hacked and somebody used XXXX to steal my money. As a result I ended up losing my housing and I cant see my son until I have a stable place to stay. This has caused me a lot of problems that wont be simply fixed by just giving me the money back. I now have to find housing and the cost of living is to high for an unemployed guy like me who cuts grass and clean cars as a job on my own.

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 2025-09-05 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: FL

Complaint narrative:
I recently reviewed my consumer credit reports and noticed that XXXX late payments are being reported on my account, which is factually inaccurate. I have never been late on this account, yet it continues to reflect derogatory marks that are harming my credit standing. 

Account Information : Name : XXXX XXXX Account Number : Ending in XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Vehicle : XXXX  XXXX XXXX Inaccuracy and Violation of Reporting Duties Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal responsibility to ensure that the information they report to Consumer Reporting Agencies is complete and accurate. Reporting late payments when no late payments ever occurred is a clear violation of this requirement.

Request for Investigation and Proof I respectfully request that you conduct a full investigation into these alleged late payments. Please provide documentation or account statements proving that the reported payments were, in fact, late. 

If you are unable to provide such proof, I demand that these inaccurate late payment notations be immediately corrected to on-time as they should have been reported from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They the credit union said they can remove any address on my reports.

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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I received my most recent escrow analysis and due to rising property taxes. They said I had a shortage in my account. The shortage came out to be about 14 % of my current mortgage payment after calculating in the rise in property taxes. My escrow account showed a shortage of about XXXX XXXX monthly to cover the new bump in property taxes .. Mr. Cooper is asking for a total of {$330.00} extra per month which would put around {$190.00} a month in total he account for a buffer which comes out to be {$2300.00} annually. They say my loan to evaluate ratio is above the 80 % threshold, which would not allow me to close my escrow account however they constantly can contradict themselves by asking me to take out either a XXXX or XXXX. So what theyre really saying is that my XXXX XXXX is below 80 % otherwise I wouldnt be able to tap the equity in my home. furthermore in XXXX  I had a BPO done on the home to have PMI insurance removed. I was successful in that venture as they said I had more than 20 % equity in the home. I would just like to pay my mortgage pay my taxes and my homeowners insurance and not have to pay extra for the convenience of the bank doing it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XX/XX/year> Bank Location : Capital One XXXX Farm to Market XXXX XXXX XXXX, XXXX, TX XXXX Time : XXXX XXXX I am writing to formally file a complaint regarding a recent experience at one of your Capital One branches, during which I attempted to open a checking and savings account.

I visited your branch and provided all required documentation, including my U.S. passport, State ID, passport card, and Social Security card. Despite presenting original and valid documents, the representativeEdithstated that, in her personal opinion, my Social Security number was not valid or original. This judgment appeared to be based solely on her perception, without any factual or procedural verification. 
Other staff members supported her claim, also refusing to process my application, offering no valid reason or proof, simply stating that they " did not believe '' the document was authentic. 
Furthermore, I felt discriminated against due to my Colombian background. Although I am a U.S. resident and citizen, the way I was treated conveyed clear prejudice based on my place of origin. The representatives attitude made me feel unwelcome and unfairly judged, which is both unprofessional and unacceptable. 
Due to this negligence and discriminatory behavior, I was denied access to basic banking services without justification, which directly impacts my rights as a citizen and potential customer. 
I respectfully request a formal investigation into this matter, appropriate action taken regarding the staff involved, and a written response from your office. I would also appreciate information on how I may complete the account opening process through a fair and respectful procedure. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution 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 2025-09-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A wellsfargo agent called me on XX/XX/year> and informed me that my account was showing suspicious activity. They requested for me to move the money through cashapp and I followed there instructions. But later that day when I checked my account my money was not there. I called wellsfargo and placed a claimed. Wellsfargo said that they would investigate the matter. Because I had so much responsibility wellsfargo loan me they money I was frauded out of while they investigated. Later I was informed by wellsfargo that a fraud did not occur on my account because I moved the money.

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 2025-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
After reviewing my completed application for loss mitigation assistance in connection with my FHA loan, Carrington offered me a XXXX XXXX. XXXX days later I then received another letter ( also dated XXXX XX/XX/XXXX ) outlining the terms of a proposed repayment plan which would increase my monthly payment by over 50 % in order to pay off the amounts that accrued during the forbearance period. I am able to resume making the current mortgage payment amount and should therefore be eligible for a standalone partial claim ( NOTE : my arrearages do not exceed 30 % of the principal balance ).

The first letter I received stated that I was ineligible for the COVID-19 Recovery Partial Claim and COVID-19 ALM because I had been approved for an FHA Forbearance Plan to cure. The Forbearance Plan doesnt cure the arrearages, it only postpones payments. The HUD loss mitigation options are generally things that follow a forbearance. A forbearance is not done in lieu of them. Under the loss mitigation waterfall there are options other than the Repayment Plan they proposed to cure, such as COVID-19 Advance Loan Modification ( COVID-19 ALM ) and/or COVID-19 Recovery Loss Mitigation Option ( COVID-19 Recovery Option ) standalone partial claim.

When I appealed their decision, Carrington said " we are unable to provide you with assistance at this time because, based on our review, your appeal does not support changing the original decision ( s ) that were included within the Loss Mitigation Evaluation Notice issued on XX/XX/XXXX. '' This is an FHA loan and the lender is therefore required to evaluate the loan for HUD loss mitigation options as detailed in HUD XXXX XXXX XXXX dated XX/XX/XXXX. 

Carrington 's communication with me fails to demonstrate that they did in fact perform such an evaluation, or explain the specific reason why my loan does not qualify for such assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 2025-09-05 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank filed a judgment against me in court without providing proper notification. I did not receive any notice of the lawsuit, summons, or other court filings before the judgment was entered. I was not given an opportunity to respond or defend myself in court. 



As a result, this judgment may be inaccurate and is unfairly harming my credit and financial standing. I believe Capital One Banks actions may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially state laws regarding proper service of legal notices. 



I am requesting that Capital One : Provide proof that proper notification and service of the lawsuit were made ; or Vacate the judgment and ensure any related reporting to credit bureaus is corrected.

Company response to consumer: Closed with explanation