vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Small Business Experian has not responded in fixing a dispute of debt that is not mine. Experian 's last follow up on this was XX/XX/XXXX, more than 60 days ago. The account was reported XXXX XXXX under ACCESS XXXX XXXX FOR {$170.00}. 

Second issue, XXXX XXXX Experian has not reported any tradeline. There should be XXXX tradelines on this account reporting since XX/XX/XXXX. 
Tradelines from XXXXXXXX XXXX XXXXXXXX and 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 2025-09-03 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: AZ

Complaint narrative:
The credit review fails to reflect my true financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
My name is XXXX XXXX and my husband whos also on the account is XXXX XXXX. 
All this started when US BANK said they need to change my account number because my account was compromised. even though it was not. they stated i need to visit my local branch which was XXXX hours away in XXXX, North Carolina. we made XXXX XXXX to the local brand to verify our identity. then I was told i needed to close down my account and open a new one just to be safe. the clerk also advised me that a savings account will be opened as well with the checking because it needs to be opened. I told them i dont need a savings account. and she said, they can open it and close it later just because they have to open it so it matches my previous accounts offer ( which was the gold checking account ). so i agreed and they opened it. minutes later i was told I needed to open a credit card called smartly to get the new checking account monthly maintenance fee waived. My old account was free with the credit card but they closed the checking account so all i have is mmy XXXX credit cards. It was then apparent that this was bait and switch scheme but i played along anyways. I declined and told them that All i need is my old checking account to be back to normal and thats it. so they went ahead and opened the smartly checking account and told me that this is my checking account and the fees are waived just like the old one, couple of weeks pass and i get charged maintenance fee. I called the branch XXXX named ( XXXX XXXX ). in XXXX XXXX XXXX. and she pretended as if the account was a great deal and that i need to open a credit card smartly in order for me to avoid the fees. trying to pursuade me. BUT ALL I WANTED WAS MY ACCOUNT BACK. and I told her on the phone and she went ahead and sent me an email telling me how great was our conversation was. I spoke to my husband and he advised me to just follow their criteria and start depositing my checks to my bank. so i started doing that. Then this morning me and my husband woke up to our accounts being put on HOLD. when I called customer service they dont even know whats going on. NOW, my husband is in XXXX and his account with his money is frozen and he can not use it. he needs the money to survive abroad. and my account i need it and they put a hold on it because i pay the bills with it. ALL OF OUR ACCOUNTS ALONG WITH OUR BUSINESS ACCOUNTS AND CREDIT CARDS HAS BEEN PUT ON HOLD WITHOUT ANY ACCESS TO ANY FINANCIAL SERVICE NOR ARE WE ALLOWED TO ACCESS OUR FUNDS TO PAY OUR BILLS. all because of us bank trying to pull a wellsfargo scheme that happened to us as well a while back. we have been customers for us bank for so long, now they are treating us like just numbers rather than clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On XX/XX/year> pen fed has reported a balance that is incorrect and I have stated to them to fix the issue.. I have never had nor owed a balance to pentagon federal for XXXX dollars.. I ask that this false information be removed off my credit report. My score has a significant drop because of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX  reports there is an unauthorized credit inquiry from Wells Fargo bank : WFBNA CARD Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 non-monetary relief
Consumer complaint received 2025-09-03 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX -Balance {$26000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-03 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/year> Credit Acceptance Corporation XXXX BOX XXXX XXXX, MI XXXX Re : Debt Validation Request Account No. XXXX To Whom It May Concern : This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I recently obtained a copy of my credit report, which lists the above-referenced account allegedly with your company. The account is reported as an auto loan/installment account with a repossession status and a balance of {$10000.00}. I hereby dispute the accuracy, completeness, and validity of this account and request full validation before any further reporting, collection, or enforcement activity continues.

As required by law, provide the following : 1. A complete accounting of the alleged debt, including the original contract, payment history, charge-off details, and all assignments or transfers.

2. Proof of ownership demonstrating that your company has legal standing to collect or report this account.

3. Verification of compliance with all state and federal repossession and collection laws, including notice requirements.

4. Identification of the original creditor, original loan terms, and itemization of the current balance claimed.

5. Documentation of my written agreement bearing my signature that creates a legal obligation to repay your company.

Until full validation is provided, you must immediately cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Failure to properly validate this debt within 30 days of receipt will constitute a violation of both the FDCPA and FCRA, and I will not hesitate to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing action for damages in civil court. 

Be advised that continued reporting of unverified or inaccurate information to any credit bureau is considered willful noncompliance under XXXX XXXX. XXXX, which XXXX subject you to civil liability. 

Please respond to this request at the address listed above. If you can not validate this account, you are required by law to immediately delete it from my credit reports with all consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX : Copy of ID, Social Security Card, and Proof of Address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Avant Holding Company, Inc.
State: SC

Complaint narrative:
i had false charges on my card i disputed them and they say i still have to pay for the charges i didnt incur

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very upset to see that unauthorized inquiries continue to appear on my credit report today. Despite checking again and refreshing my browser, the issue was not fixed. I want this resolved right away, and I insist that the documents I sent be thoroughly checked so I wont have to keep dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account on my credit file. I never opened, used, or approved this account, and its reporting is inaccurate. Its continued presence causes unjust harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: AR

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 stress.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains a fraudulent account that I never authorized or opened. I deny any responsibility or connection to this account, and its reporting has negatively impacted my credit profile. The presence of this false account undermines the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
There are several inaccuracies on my account reporting negatively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete 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 explanation
Consumer complaint received 2025-09-03 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:
My financial decisions aren't represented accurately in the 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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
I became a brand new customer of Chime, after being referred by a co worker. Because she sent a {$5.00} '' spot me ''. This caused the account to look " suspicious " and it was immediately closed. Since closing, Chime requested verification, which I provided several times via email and text without success. They are continuing to allow her to send the 'spot me '' each month, but won't allow me to access the funds. I've asked to transfer to my credit builder account, and was told it automatically closed when my checking account closed, even though the card was not yet activated. It's been 3 months and though it isn't much, we all need all of our income in these tough times. Please assist thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
The reported late payment on my account is inaccurate. I have reviewed my records carefully and confirmed that my payments have always been made on time. This false entry must be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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