vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank has yet again reported me late. My bill is due on the XXXX of each month I had to pay on the XXXX. Capital One reported me as late. But I am NOT 30 days late. They have placed this on my credit report. After speaking with the CSR who went back to XX/XX/year> as me being late ALLEGEDLY all these months but never reported it.!!!! I asked to speak with a Supervisor. XXXX also had unreasonable explanation. I am not lateTechnically 30 days late but late in their system but they usually don't report that. But for me they did. 
I am sick of this with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to use my Way2Go Card to purchase gas. I had sufficient available funds in my account, but both transactions ( {$20.00} and {$17.00} ) were declined and have remained in a pending status since that date. 

This is not the first time I have had problems with this card. On multiple occasions, the system has locked or held my available funds without explanation. When I contacted customer service, representatives were unable to provide a reason or resolution. 

On XX/XX/year>, I called customer service again regarding the issue. I spoke with a supervisor named XXXX ( ID : XXXX ), who was unprofessional and dismissive. She hung up on me twice and refused to escalate my call, stating that she had no superior. 

After continued problems, I spoke with another representative who ordered a replacement card. However, when I attempted to activate the new card, it immediately locked up again. I was then told that I would have to wait an additional XXXX business days for a response from technical support before the card could be unlocked. 

This ongoing lack of access to my own funds, repeated account lockouts, and poor customer service are unacceptable. The delays have caused unnecessary stress and inconvenience, and I have yet to receive any meaningful assistance or resolution from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-10-23 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I want to be unequivocal, this is not an oversight. Multiple accounts on my credit report contain inaccurate and misleading information that has persisted despite my prior disputes. These recurring errors are causing measurable damage to my creditworthiness and creating ongoing financial and emotional hardship. I expect my concerns to be treated with the seriousness they deserve.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-23 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: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been making biweekly payments for more than XXXX years the transfer of my loan to this company has been discrepancies with how my biweekly payment is processed and applied consistently resulting in late fees being attached prematurely and not to mention payments will often be applied to the principle not the loan my payments are automatically drafted by my bank but I had also applied for their XXXX debit option to alleviate this problem. I submitted at XXXX separate times a voided check to which I purchase from my bank randomly, I do not possess checks considering most of my transactions are done electronically in. XXXX of 2025 I went through my account with the assistance of a customer service representative updating my account so the current increase would reflect the biweekly payment the process was being performed accurately but for a short period of time.I keep receiving messages of late full payments as well as late charges incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as formal notice of violation under the Fair Credit Reporting Act ( FCRA ). Your agency has falsely claimed to have verified an account that remains inaccurately listed on my consumer report. This constitutes a violation of 15 U.S.C. 1681i, 1681s-2, 1681c, and 1666. The inaccurate account ( s ) must be deleted within seventy-two ( 72 ) hours of receipt of this notice to avoid legal action seeking {$1000.00} per violation for willful noncompliance under 1681n.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was approved for the Wells Fargo XXXX XXXX XXXX XXXX  on XX/XX/2025. My account was active and in good standing. On XX/XX/2025, Wells Fargo closed my account without my consent after XXXX XXXX XXXX system accidentally deleted my linked loyalty account. 

Neither I nor XXXX intentionally closed or requested the closure of the XXXX XXXX loyalty account XXXX has confirmed in writing that this was a system error on their side. Because of this error, Wells Fargos system automatically closed my credit card account and marked it as ineligible for reopening. 

I contacted Wells Fargo immediately, and my case was escalated to the XXXX XXXX. I was told that I would need to reapply for a new credit card, which would result in an unnecessary hard inquiry, even though this situation was not caused by me. I followed Wells Fargos written instructions to reapply, but the application was marked as a duplicate, and my existing credit line was never reinstated. 

I am requesting that Wells Fargo restore my original account or reinstate my credit line without requiring another hard credit pull, since the closure was triggered by an XXXX system malfunction outside of my control. I have documentation from both Wells Fargo and XXXX showing that this issue is under investigation and that I was never at fault. 

This situation has caused unnecessary stress and may negatively impact my credit profile through no action of 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
New American Funding has reported my mortgage account [ XXXX ] as delinquent even though I was in an approved forbearance plan. I have attached their own letter dated XX/XX/year> ] confirming my participation in an XXXX XXXX XXXX under XXXX guidelines through XX/XX/year>. 


Despite this written approval, they reported me late to the credit bureaus. This violates federal mortgage servicing guidance and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate information once a consumer provides evidence of an approved hardship or forbearance. 


I have been a customer in good standing for years, and New American Funding has not reported negatively during prior forbearance periods. This inaccurate reporting has already affected my ability to secure credit and access home-equity financing. 


Requested Resolution : 1. Immediate deletion of all negative credit reporting made during the approved forbearance period. 

2. Written confirmation that all credit bureaus ( XXXX XXXX XXXX  ) have been updated. 

3. Written acknowledgment from New American Funding confirming compliance with the CARES Act and Regulation X ( 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am really worried because the inaccurate accounts are still showing on my credit report and nothing has been removed. I am asking you to please go through the attached documents with care so I can stop feeling helpless about this situation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing a formal complaint against EdFinancial Services for serious inaccuracies in my credit reporting that are causing immediate and severe financial harm to my family. 
Summary of the Issue : EdFinancial Services is reporting a student loan that was paid in full close to 2 years ago as delinquent to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) recently. This false reporting has caused my credit score to drop by approximately XXXX points and is directly jeopardizing my ability to secure a mortgage for a new home. 

Timeline of Events : 1. Loan Payoff : On or around XX/XX/XXXX, I paid off my student loan ( s ) with EdFinancial Services in full. 
2. Confirmation Received : On XXXX XXXX, XXXX I received an official " Payoff Letter '' from EdFinancial Services confirming the loan was paid and the account was satisfied. 
3. Recent Contact from EdFinancial : After more than a year with no issues, I was contacted by EdFinancial Services on or around XX/XX/XXXX ] requesting information regarding my payoff. 
4. My Compliance : As requested, I provided them with a copy of their own official payoff letter via email. 
5. Unreasonable Demand : EdFinancial then replied, disregarding their own letter, and asked for " proof of payment information. '' I informed them that their official payoff confirmation should be sufficient on this long-closed account. 
6. False Credit Reporting : A few months later, on or around XX/XX/XXXX, EdFinancial reported to all three credit bureaus that I was behind on payments for this $ XXXX, paid-in-full loan. 

Violation and Damages : This action by EdFinancial Services is a clear and egregious violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information. 

The damages are not abstract. As a direct result of this false delinquent mark, my credit score has fallen by nearly XXXX points. My fiance, our children, and I are currently in the process of buying our first home, and this inaccurate information from EdFinancial has put our mortgage pre-approval and the entire purchase in a denied status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a formal written dispute to the credit bureau regarding several fraudulent and inaccurate accounts that appear on my credit report. In accordance with 15 U.S.C. 1681c-2, I provided all required documentation, including proof of identity, a police/FTC Identity Theft Report, and a detailed list of the disputed accounts. 

Despite my proper and timely submission, the credit bureau failed to provide me with the required information or documentation regarding their investigation. I did not receive any explanation, verification, or documentation to substantiate the continued reporting of the disputed items. The bureau also failed to notify me of their actions within the legally required time frame. 

This lack of response violates my rights under the Fair Credit Reporting Act, which requires the bureau to conduct a reasonable investigation, provide the results in writing, and, if applicable, delete or block fraudulent information within four business days once an identity theft report has been submitted. 

I am requesting that the CFPB investigate this matter to ensure the credit bureau complies with federal law, removes the fraudulent accounts from my credit report, and provides me with a full explanation of their actions and findings.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ENTRY IS FRAUDULENT AND DAMAGING TO MY CREDIT.

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