vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax regarding the account XXXX XXXX Account XXXX due to multiple reporting inaccuracies and failure to conduct a lawful reinvestigation. 

This account is being reported with : Credit limit inconsistencies ( Equifax shows {$0.00}, others show {$800.00} ) Different account types across bureaus Conflicting closure remarks ( inactive, canceled, XXXX balance ) False 90-day late payment being reported on Experian Inconsistent reporting and activity dates I previously disputed this account and the bureaus responded with a generic verified status without providing any documentation from the original creditor ( XXXX ). Instead, they rely on secondary data sources like XXXX and XXXX, which is not compliant with the FCRA. 

These practices violate my rights under FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ), as well as TILAs disclosure transparency principles. This inaccurate reporting is harming my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently pull my credit report and i see unauthorized inquiries on my account that i didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Re : Account Number : XXXX Original Creditor : Meadow Crossing Apartments NOTICE OF CEASE AND DESIST Under the authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby directed to immediately cease all forms of communication with me, including but not limited to telephone calls, text messages, emails, and written correspondence regarding the above-referenced account.

DEMAND FOR VALIDATION In addition, pursuant to 15 U.S.C. 1692g, I formally dispute the validity of this alleged debt and demand full validation, including but not limited to : 1. A copy of the original signed lease or contract bearing my signature.

2. A complete itemized statement of all charges, credits, and payments.

3. Documentation proving your legal authority to collect on this account ( assignment/sale agreement ).

4. Evidence that this debt is within the applicable statute of limitations.

Until such documentation is provided, you must immediately cease all collection activity, including credit reporting.

CREDIT REPORTING NOTICE If you are currently reporting this account to any credit reporting agency, please be advised that any failure to provide validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and will require you to delete this tradeline immediately.

LEGAL NOTICE Failure to comply with this notice will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney Generals Office, and other regulatory agencies. I also reserve the right to pursue civil action for any violations of my rights under the FDCPA, FCRA, and applicable state laws.

You are required to provide a written response within ten ( 10 ) business days of receipt of this letter.

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 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$30000.00} CHARGE OFF INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I am reaching out to formally request an exception regarding the {$400.00} Everyday Checking bonus offer. 

I opened my Everyday Checking account online on XX/XX/XXXX. At the time of opening, there was no information provided about any bonus promotion nothing appeared in the application process, emails, or messages from Wells Fargo. Approximately XXXX month later, I received a letter in the mail about the {$400.00} bonus promotion, which officially began on XX/XX/XXXX, after my account was already opened. 

Even though the promotion started on XX/XX/XXXX, I should still qualify as a new customer : I had never held a Wells Fargo personal checking account prior to opening this one. 
The published terms state that the customer must not have had a Wells Fargo personal checking account within the last XXXX  months which I fully satisfy. 
I have already met the deposit requirement by direct depositing over {$4000.00}. 

What makes this situation especially frustrating is that I am being told by customer service that I must close my current account and open a new one to qualify for the promotion. This directly conflicts with Wells Fargos own bonus terms, which require that the customer not have an existing account within the last XXXX months. If I close my account and reopen another, I would no longer meet the new customer criteria according to Wells Fargos rules. 

Furthermore, I recently switched all my automatic bill payments, mortgage payments, car payments, and my direct deposit from my employer to this new Wells Fargo account. It is not reasonable to expect me to repeat this entire process simply because the promotion launched XXXX month after I opened my account something I had no way of knowing at the time. 

This is especially disappointing given that I switched to Wells Fargo after being a loyal XXXX customer for XXXX years. I made this change expecting transparency and fairness, and I believe it is unreasonable to penalize me for timing that was beyond my control. 

I respectfully request that this {$400.00} bonus be retroactively applied to my current account or that an exception be granted. I ask that this matter be escalated to a supervisor or the Executive Office if necessary. 

Thank you for your time and consideration.

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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I called National credit systems in regards an attempt to collect a debt and requested proof of debt. XX/XX/XXXX NCS sent a letter stating that their client had not provided proof of debt. XX/XX/XXXX NCS provided me a lease agreement with a computerized signature. I informed NCS that this is not accurate and XXXX apartments in XXXX XXXX, Georgia, NCS client does not accept computerized signatures nor do they provide the means through their portal for residents to sign with an auto pen. All lease are required original signatures. The client representative stated they would have a XXXX call me back. I never heard from another representative or a XXXX from NCS from that date on. In addition, NCS reported the debt to the credit bureau with out accurate or further proof! Furthermore, NCS provide to me a lease dated XX/XX/XXXX with a lease term of XXXX  months XX/XX/XXXX. The move out statement NCS provide me are charges from XX/XX/XXXX to XX/XX/XXXX, I did not have a third XXXX  month lease with XXXX XXXX XXXX XXXX Ga.This debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I had insurance on the loan from XXXX XXXX XXXX in the even i loose my job, go to a hospital or become XXXX this cuts the loan amount down and defers payment. I was hospitalized, lost my job asks XXXX to use the insurance and or set up payment arrangements they automatically sent the loan/debt to collections instead despite my attempts to make payments.I am trying to dispute it in collection in XX/XX/year> and they only provided half of the information I requested and did not provide the insurance informationi had on these loans. After my second request in XX/XX/year> I got no further information and threatened pay it or legal action will be had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I am filing this complaint due to multiple inaccurate, outdated, or non-compliant accounts appearing on my Experian credit report. These accounts include charge-offs, collection accounts, and late payments that may be improperly reported, unverifiable, or in violation of Metro-2 compliance standards.

Key Issues Include : Inaccurate charge-off statuses on {$0.00} balance accounts Duplicate reporting between original creditors and collectors Metro-2 non-compliant fields such as missing dispute indicators, wrong DOFD, or improper payment rating Lack of Method of Verification under FCRA 611 ( a ) ( 7 )

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 2025-08-03 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear 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 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American First Finance, Inc.
State: WI

Complaint narrative:
In early 2024, I purchased a bed set through a furniture store and financed it through American First Finance. The original mattress and bed frame were defective the mattress sagged, the springs were broken, and the frame collapsed. I contacted the store, and they attempted two replacements, but each was defective. The third mattress was never exchanged, despite promises. I reported all of this to American First Finance while still making payments. They stated it wasnt their issue and refused to intervene. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information. Under the Fair Debt Collection Practices Act ( FDCPA ), I should not be held financially liable for defective or undelivered merchandise. I was sold a faulty product and made every effort to resolve the matter. Despite this, American First Finance continued to demand payment, damaging my credit over merchandise I could not use. 

Both the furniture store and American First Finance failed to meet their obligations, leaving me with defective goods and financial harm. I request that this account be reviewed, corrected, and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX XXXX  to report my card lost as well as several unauthorized transactions for the following : XX/XX/year> XXXX  {$460.00} XX/XX/scrub>XXXX XXXX XXXX {$100.00} XX/XX/year> XXXX {$540.00} XX/XX/year> XXXX  {$520.00} XX/XX/year> XXXX  {$420.00} XX/XX/year> XXXX  {$530.00} XX/XX/year> XXXX  {$550.00} XX/XX/year> XXXX  {$530.00} XX/XX/scrub>XXXX XXXX {$530.00} XX/XX/year> XXXX  {$530.00} XX/XX/year> XXXX {$1500.00} on XX/XX/year>, I received a request to forward a copy of the police report to which I sent to XXXX  on XX/XX/year>. 

I believe I must have dropped my card as I was pulling another card from my wallet approximately XX/XX/year>. I did not notice my card was missing until I made a payment online and noticed all of the unauthorized transactions. I never received a fraud alert to notify me of the activity. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance was very deceptive, and continues to be. Numerous payments have been made, with only XXXX being late. They charged a XXXX time {$25.00} late fee, which was paid. Then charged another {$25.00} late fee the following month for the SAME only XXXX  time late period! And no matter how many on time payments are made, the overall cost of the loan is not going down! They where very dishonest in the beginning, and continued to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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