vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because several unauthorized hard inquiries were made on my credit report without my written consent. These inquiries were not initiated or approved by me and are in violation of FCRA Section 605 ( b ), which requires a permissible purpose and authorization.

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 2025-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I was recently contacted by mail and then later summoned to a court hearing for a debt I do not owe. Ever green financial services was hired by my ex father in law who claims I owe him for past due rent. I was never served a late rent notification, eviction notice or any other notice that I owed him rent. I had a lease but we had a verbal agreement for the rent. 

I contacted evergreen financial services about false validity of this claim, the person I spoke to was every ride and informed me they were hired to collect a debt and did not care if it was valid or not. 
This debt was falsely created out of malice and is in my honest opinion another form of XXXX  XXXX I endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I am writing to formally request the removal of late payment entries from my credit report based on my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666b / 12 CFR 1026.13. These laws protect consumers against reporting inaccuracies, including the improper reporting of late payments under certain conditions. The accounts reporting late on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am requesting that all late payments listed on my credit report be removed immediately, as they are either inaccurate, unverifiable, or non-compliant with the legal requirements outlined in the aforementioned statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I am writing to formally request the removal of late payment entries from my credit report based on my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666b / 12 CFR 1026.13. These laws protect consumers against reporting inaccuracies, including the improper reporting of late payments under certain conditions. The accounts reporting late on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am requesting that all late payments listed on my credit report be removed immediately, as they are either inaccurate, unverifiable, or non-compliant with the legal requirements outlined in the aforementioned statutes

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 2025-05-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On or around XX/XX/year>, I received a physical mail offer from American Express promoting the Business Gold Card. The letter stated I would receive XXXX Membership Rewards points after spending {$15000.00}, and an additional XXXX points for adding an authorized user. 

There were no disclaimers in the mailed offer about previous card membership or eligibility restrictions. Based on this offer, I applied for the Business Gold Card, added an authorized user, and spent over {$100000.00} in a short period. 

However, after completing the spending requirement, I was informed that I was ineligible for the bonus because I had previously held a Personal Gold Card, which is a separate product and was closed years ago. 

This restriction was never disclosed in the mailed offer that influenced my decision. 

To make matters worse, the annual fee was charged immediately reinforcing the impression that the goal was to collect the fee while quietly denying the benefit. 

I contacted customer service multiple times, including a supervisor, but the issue was not resolved. Instead, they repeatedly cited internal policies and ignored the misleading nature of the physical offer. 

This experience was deceptive, frustrating, and in my view, unfair. I am requesting that American Express either : Honor the XXXX points promised in the mailed offer, OR Refund the annual fee and allow me to cancel the account without penalty. 

I am attaching screenshots and chat transcripts as evidence. Thank you for reviewing this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I went into my local Wells Fargo bank location and was instructed by the bank manager to deposit my {$72000.00} check in the ATM in the lobby of that location. The check was issued from my 401 ( k ) financial institution. 

Both the ATM receipt and The emailed confirmation from Wells Fargo stated that {$5500.00} of the funds would be released to me within 24 hours. And that the remainder of the funds would be released to me within XXXX days. 

I deposited the check on XX/XX/XXXX The funds were not released 24 hours later. When I called to inquire, they stated that the funds would NOW not be released until XX/XX/XXXX. 

{$5500.00} of the funds were not released until XX/XX/XXXX. I called a second time to inquire about the reason their stated timeline was not honored and why the remainder of the funds had not been released. I was told that they would be released Within 24 to 48 hours. 

As of today, those funds have still not been released and when I called a third time to inquire about why they had not, Wells Fargo informed me that they would attempt to release the funds by either the XXXX or XXXX XXXX. 

This timeline is more than XXXX hours, more than five business days, and more than seven business days. The timeline is unacceptable. 

The issuer of the check is a reputable financial institution - XXXX  XXXX. 

And Wells Fargo still can not confirm when those funds will be available to me. Nor can I explain why the funds are being held. 

Also, while on my third call today, the Wells Fargo representative asked me why I needed the funds and what I had planned to do with them. These funds are mine, and I felt that the mere mention or question of what my intentions were to do with my own money was inappropriate and unacceptable.

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 2025-05-16 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: NY

Complaint narrative:
Complaint Summary : Experian has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by failing to conduct a meaningful and reasonable reinvestigation of the disputed XXXXXXXX XXXX account. After my initial written dispute, Experian responded with a generic statement that the account had been verified but provided no documentation or description of the investigation conducted. This is non-compliant with FCRA 611 and other applicable laws.

Specific Violations Alleged : 1. FCRA 611 ( a ) ( 1 ) ( A ) and 12 CFR 1022.43 : Experian did not perform a reasonable or individualized reinvestigation and relied instead on an automated e-OSCAR system response.

2. FCRA 611 ( a ) ( 5 ) ( A ) : Experian retained the disputed tradeline without obtaining meaningful verification.

3. FCRA 611 ( a ) ( 6 ) : Experian failed to provide a description of the reinvestigation method or the identity of the verifying party.

4. FCRA 623 ( a ) ( 1 ) ( A ) : The data furnisher continues to report inaccurate information ( conflicting status of Voluntary Surrender and Charge-Off, incorrect balance, and inconsistent payment history ).

5. Metro 2 Standard Violations : The account reflects mutually exclusive statuses and lacks the context required for accurate credit reporting.

6. UDAAP 12 U.S.C. 5531 & 5536 : By issuing false confirmations of verification without genuine investigation, Experian engaged in deceptive and abusive conduct.

Relevant Legal Precedents Cited : Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. XXXX ) Requires reinvestigation beyond automated processes.

Sampson v. Experian ( XXXXXXXX ) Reliance on automated e-OSCAR responses violates FCRA.

CFPB v. Fair Collections & Outsourcing ( XXXX XXXX Use of mass automated responses without individual review constitutes FCRA and UDAAP violations.

CFPB v. TransUnion, No. 8:25-cv-00024 ( C.D. Cal., XXXX XXXX, XXXX ) CFPB fined TransUnion {$23.00} XXXX for sending deceptive verified letters without real

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 2025-05-16 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: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax, Transunion, and Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of a fraudulent credit card account. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. Ive attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent item. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
Turned my Ford XXXX lease into XXXX XXXX and signed a contract with XXXX XXXX agreeing the final 4 Ford Credit lease payment be included in the payoff amount to Ford Credit. XXXX XXXX took ownership of my Ford XXXX  the same day the contract was signed. 

After XXXX XXXX took possession of my Ford XXXX, I no longer own the vehicle lease. 

Then on XX/XX/year> a XXXX payment of {$560.00} was pulled from my bank account. At that time I did not have possession of my Ford XXXX. 

The XXXX payment taken from our checking account by Ford Credit should be refunded to us either by Ford Credit or at least by XXXX XXXX or Ford dealer with possession of my Ford XXXX. 

Ford Credit refuses to acknowledge after receiving the agreed upon lease buyout was finalized. They took an additional payment not due to them because buy off was complete including last XXXX payments included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: KY

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief