vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint because I recently discovered a discrepancy on my credit report that does not accurately reflect my payment history. Specifically, the account with XXXX ( Account XXXX. XXXXXXXX XXXX ), with a balance of {$430.00}, is reported as 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which conflicts with my records. These reported late payments XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ) do not accurately represent my account activity and require correction. 
I take my financial obligations seriously and have always made timely efforts to maintain my accounts in good standing. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe to be inaccurate or incomplete. I am formally exercising that right and requesting a thorough investigation of this late payment reporting. 
Furthermore, pursuant to FCRA 623 ( a ) ( 2 ), furnishers of credit information are required to promptly update and correct any information found to be inaccurate. In addition, FCRA 623 ( b ) obligates the creditor to conduct a reasonable investigation into any dispute I submit. The reporting of these late payments, if inaccurate, could unjustly impact my creditworthiness, potentially affecting my ability to secure credit on fair terms. 
I kindly request that your office review the supporting documents I am providing, including my payment history and statements for XXXX and XX/XX/year>. I am confident that a review will confirm that the reported late status does not accurately reflect my account activity. As reinforced by FCRA 602, which emphasizes the congressional purpose of ensuring consumer reporting is fair and accurate,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I never apply for a loan on that company Enclosed my driver license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXXl is still reporting an auto loan as charged-off/collection with a past-due balance of over {$100000.00}, even though the case was dismissed in court earlier this year. 

I was sued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX, but the judge signed an Order of Non-Suit on XX/XX/year>, showing that XXXX XXXX dropped the case and it was dismissed. 

After that, I disputed this account with XXXX, XXXX, and XXXX  twice, attaching the dismissal paperwork each time. However, the account still shows as Collection or Charge-Off with a high balance and past due amount. 

The information being reported is also inconsistent across the bureaus : XXXX  and XXXX  show a past-due balance of {$100000.00}. 
XXXX  shows {$65000.00} past due. 

All three still list it as a charged-off account. This reporting is inaccurate and misleading because the case was dismissed, and there is no active or collectible balance. 
I will attach : A copy of the Order of XXXX signed by Judge XXXX XXXX in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CL Holdings LLC
State: GA

Complaint narrative:
When I asked them to investigate dispute for errors they kept saying that company said it was valid and I got in contact with Jefferson capital myself and told them what XXXX said and they closed account that they were reporting because whoever account this was same name but different social security number was used and they knew this and still refused to correct their errors which has led to denials in trying to attain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw cash from my account at your Wells Fargo XXXX branch to cover urgent medical expenses. 

The branch XXXX, XXXX, accused me of fraud without valid evidence. The fraud department contacted the sender of a recent incoming wire transfer to the account ; that sender verified the wire as legitimate. 

Despite confirmation of legitimacy, Wells Fargo placed a hard hold on my account, which prevented me from accessing my funds, receiving my upcoming Social Security payment, and paying essential bills. 

I was informed that my account would be closed in three ( 3 ) weeks, that I would not be allowed to withdraw the remaining balance, and that I would receive the funds only via mailed check after the closure.

As a result of these actions, I have been deprived of essential funds needed for living expenses and medical care causing serious hardship. 

I believe that the account hold and closure decision were made without appropriate cause, lacked transparency, and failed to consider my rights as a customer. 


Requested resolution : XXXX. Immediate release of the hold on my account so I can access my funds, receive my Social Security payment, and pay my bills without further delay. 


XXXX. A clear written explanation of the basis for the hold and account closure decision, including any evidence Wells Fargo relied upon. 


XXXX. Reconsideration of the account closure with an opportunity for me to maintain access to my account, given the severe impact on my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX has failed to respond to my complaint despite multiple attempts and certified correspondence. I am requesting that this complaint be escalated to supervisory review. The account is now in formal dispute and should not be sent to collections during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am compelled to filing a complaint once more regarding the continued inaccurate reporting of an account that has already been disputed multiple times. Despite my prior communications, the following account remains on my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} This account is being reported as charged off, but I have never received verification that complies with federal law, and there is no XXXX issued for this alleged debt, which exceeds {$600.00}. The absence of this documentation demonstrates that the charge-off can not be legally verified or substantiated, making its continued reporting inaccurate, misleading, and harmful to my credit profile. 
Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), all consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of all information included in credit reports. Reporting an unverifiable charge-off clearly violates this requirement. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) mandates that any information disputed by a consumer be reinvestigated reasonably and deleted if it can not be verified. 
Moreover, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any furnisher from knowingly reporting information they know to be inaccurate. The failure to provide a 1099-C for a balance of {$2700.00} shows that this account can not meet that standard and should therefore be permanently removed from my report. 
Under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable information must be blocked or deleted. This account has been disputed multiple times, yet no verifiable documentation has been provided to justify its continued appearance. Continuing to report this debt after repeated disputes constitutes willful noncompliance and a violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX, XXXX, and XXXX. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet XXXX XXXX compliance standards. Under Section XXXX, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within XXXX ( XXXX ) days as required by law. 

XXXX. Payment never late OR Under XXXX USC XXXX. Validation of debts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please update to pays as agreed, never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
They said that they dont have the ability to see my balance after my paycheck was deposited today due to system issues nationwide, mostly the west coast XXXX and they dont have the ability to change the daily withdrawal limits or get me any of my money. I will never bank with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a transaction from XX/XX/year> in the amount of {$360.00} from Sears. This purchase was eligible for Citibank XXXX XXXX  which I was giving an option to do so before but after I filed a dispute and I got the charge reversed I could no longer apply this transaction for Citibank XXXX. I reached out to agent around XXXX and that agent told me to go to the original transaction and check but he said he could not help if the transaction no longer gives me the option to apply Citibank XXXX XXXX  on it. Since this dispute is considered complete since XXXX, I want to apply it as a Citibank XXXX and it will be financially more helpful for me to pay that way so my statement bill is not so high. I am reaching out to see if some other department manager can help in getting the transaction to qualify again for Citibank XXXX after the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX am submitting to formally dispute certain inaccurate information being reported on my credit file. After a careful review of my credit report, I discovered multiple addresses, a name variation, and account listings that appear incorrect or unverifiable. As a consumer, I am exercising my rights under the Fair Credit Reporting Act (FCRA) to ensure that all data reported under my name is complete, accurate, and properly verified.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX,XXXX,XXXX XXXX XXXX balance$0XXXX XXXX OF TX XXXX balance $XXXX XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXASXXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
XX/XX/XXXX am submitting to formally dispute certain inaccurate information being reported on my credit file. After a careful review of my credit report, I discovered multiple addresses, a name variation, and account listings that appear incorrect or unverifiable. As a consumer, I am exercising my rights under the Fair Credit Reporting Act (FCRA) to ensure that all data reported under my name is complete, accurate, and properly verified.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX,XXXX,XXXX XXXX XXXX balance$0XXXX XXXX OF TX XXXX balance $XXXX XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX balance $XXXX XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXASXXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605B Data Breach Block Request Filed CFPB Case # XXXX I have formally filed a FCRA 605B block request with TransUnion due to data breach exposure and suspected mixed-file contamination. The items requested for block are the XXXX inquiry and XXXX XXXX accounts ending XXXX, XXXX, and XXXX, as well as incorrect personal identifying information. 

TransUnion has exceeded its 30-day reinvestigation requirement and issued only a generic 'interim response. ' I am requesting supervisor escalation and immediate enforcement of the 4-business-day block requirement under 605B.

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