vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-17 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX  & XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX, & XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX, & XXXX  in action violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ive attempted to recover money that was taken from my account without permission. Of course, I tried resolving the issue with the merchant before turning to Wells Fargo for help. A representative at WF advised me to file a claim which I did. First claim that was filed was filed incorrectly. Agent insisted on filing the claim under a duplicate charge although I told her it was not so that claim was denied. I then called back in and had the claim filed correctly under charge being unauthorized. I received an email confirmation of the claim being opened followed up with a letter from Wells Fargo with the same exact date of the claim being opened that the claim was closedall in the same day. Their reasoning was that the claim was authorized from my account despite me telling them that it was not and funds were taken without my permission due to me having an account with the merchant. 

Wells Fargo is clearly not doing its due diligence to get to the bottom on these claims and so are doing a huge disservice to their account holders. This isnt the first time that Wells Fargo has allowed money to be taken from my account without my permission offering me no recourse. This should be criminal. They are complicit and are no better than the person stealing the money. How was an investigation done all in the same day without contacting the merchant or getting the evidence or correspondence between the merchant and I providing the transaction was unauthorized. Wells Fargo never contacted me or the merchant but sided with the merchant allowing {$2100.00} to be removed from my account. 

Contact CFPB has become a joke with Wells Fargo as theyll contact you, drag the case out the full XXXX  days allowed, telling you they are working on it but have to close out the claim because its pass their timeframe but will continue to have your case worked on for a resolution. Once they close your case with CFPB, expect to have your claim denied within a week of that. Its become a joke and I will be reaching out to some other higher ups within Wells Fargo as well as other agencies. This has to be corrected. 

Wells Fargo needs to right this wrong. Imagine how many account holders they do this to hourly. Its not right!

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 2025-08-17 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I noticed on my credit report the company keeps reporting incorrect information on my credit profile that Iam not aware of! I have done many disputes and were unable to get resolved! I was only able to get it resolved through XXXX  last year and it was removed from my credit report! This has been so frustrating and preventing me from purchasing a home! Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kikoff Inc.
State: IL

Complaint narrative:
These accounts are unauthorized and I want them removed from my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate information Under FCRA 623 ( a ) ( 1 ) ( A ), UCC 9-611, and UCC 9-613 , I am writing to Formally Dispute Inaccurate and incomplete information on my credit report ( Report # XXXX : [ Experian Date Generated 8/17/2025 ] in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and the uniform commercial code ( UCC ) 9-613. The following accounts are reporting errors and must be corrected or deleted : XXXX  XXXX XXXX ( XXXX ) - '' Charged Off '' status contradicts last activity date ( XX/XX/XXXX ) and re-ages debt unlawfully. XXXX XXXX XXXX ( XXXX ) - No proof of UCC XXXX notice for {$390.00} Charged-Off debt. XXXXXXXX XXXX XXXX ( XXXX ) -Charged-Off amount ( {$250.00} ) exceeds credit limit ( {$100.00} ), violating accounting standards. XXXX XXXX ( XXXX ) -Collection account lacks validation and ignores prior dispute. XXXX XXXX XXXX ( Acct : XXXX ) - No UCC compliant notice of debt sale to XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) - Payment history in accurately shows XXXX delinquency despite " Paid, Closed '' status.

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 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I am disputing the validity and continued reporting of the above-referenced account, which Fair Collections & Outsourcing has furnished to the credit bureaus. 

XXXX. No Valid Debt Exists This alleged debt is false. I rented a XXXX  for XXXX years, paid first months rent, last months rent, and a {$2000.00} security deposit at move-in, never missed a rent payment, and gave proper notice before moving out. My {$2000.00} security deposit was never returned. There is no legitimate basis for any outstanding balance. 

XXXX. Good-Faith Payment Attempts Rejected Even though I dispute owing anything, I attempted to pay the alleged balance in full on three separate occasions : By personal check By business check By money order Each payment was rejected and returned by Fair Collections & Outsourcing without explanation. This proves that your company has no genuine intention to resolve the matter but continues to inflict credit harm. 

XXXX. Violations of Federal Law Your refusal to accept full payment while continuing to report negative information constitutes : Unfair and deceptive practices under the FDCPA ( 15 U.S.C. 1692 et seq. ) False and misleading reporting under the FCRA ( 15 U.S.C. 1681 et seq. ) 4. Notice of Regulatory Complaints This letter serves as formal notice that I am filing complaints with the following agencies effective immediately : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Massachusetts Attorney Generals Office Copies of my complaints will include evidence of my rejected payments and supporting documentation. 

XXXX. Demand for Deletion Given the above, I demand that this account be immediately deleted from all consumer reporting agencies and that all collection activity cease. 

Failure to correct this record will be cited as continued willful noncompliance and used as evidence in pursuit of statutory and actual damages in court. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Ive paid off {$22000.00} in bad debt over the last year & I have not been able to furnish the bank statement but on top of not even believing I should owe anything & still just to get my credit report fixed have submitted XXXX payments all returned for unknown reasons, I believe I already paid this I am almost 75 % sure, & if/when I track down the bank statement I will not just be submitting another complaint against XXXX, but will be filing a massive lawsuit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

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 2025-08-17 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc.
State: CO

Complaint narrative:
My wife and I purchased solar panels through XXXX XXXX in XXXX and financed the purchase. The company was subsequently purchased by XXXX, but the bills state the payments are made to " XXXX XXXX XXXX XXXX XXXX. '' For the majority of the time we had financing in place, we have made payments in excess of the amount due in order to pay the financing off early. 

On XX/XX/XXXX, I called their customer service line to inquire about the payoff as I knew the balance should be paid off soon and we had stopped receiving statements in the mail. After calling 7 times due to reaching several dead ends on their call tree and being unable to speak to a person, I emailed XXXX requesting payoff information and that they return any amount of any overpayments. The same day I received what appeared to be an automated response redirecting me back to the same phone number I had already tried calling. 

Today ( XX/XX/XXXX ) I logged into my XXXX XXXX online account and found the payment history information. Apparently the solar panels were paid off on XX/XX/XXXX, according to an online payment history statement. For context, I had a XXXX XXXX  monthly automatic payment set up from my bank to XXXX XXXX as I believed they would notify us when the final payment was made ( as has been my experience for every loan my wife and I have ever had ). As the automatic payment has been made post-payoff from XX/XX/XXXX through XX/XX/XXXX, I believe I am owed a refund of at least {$2500.00}. 

My wife is employed in financial services and believes the handling of our account may be in violation of loan servicing laws and could be in violation of UDAAP rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
On XX/XX/XXXX, I submitted a proper 15 U.S.C. 1681c-2 ( a ) blocking request to Experian, with all required documentation. While Experian did block some fraudulent accounts, it has failed to block all the accounts specified in my written statement. 
Partial compliance is still a violation of the FCRA. The law requires that once an identity theft report and documentation are submitted, all fraudulent accounts listed must be blocked within XXXX business days. Experian has no authority to pick and choose which accounts to remove. 
This incomplete action continues to damage my credit and has resulted in financial harm, including credit denials and reputational injury. 

Additional Basis for Dispute Multiple Credit Agency Breach Exposure My personal identifying information was not only compromised in the XXXX XXXX  breach but also in multiple data breaches involving other credit reporting agencies. Notably : The XXXX ExperianXXXX breach ( September 116, 2015 ) exposed the personal data of approximately XXXX XXXX individuals, including SSNs, birth dates, and addresses. 
Earlier, Experians acquisition of XXXX XXXX resulted in widely reported misuse of consumer data for resale to identity thieves. 

The fact that my data was subject to breaches across multiple major credit agencies makes this an urgent need for their immediate removal under 15 U.S.C. 1681c-2 ( a ).

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 2025-08-18 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: LA

Complaint narrative:
I am a victim of identity theft. Under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( FCRA XXXX ), I am exercising my rights to block and remove all information resulting from identity theft. My consumer credit file contains unauthorized inquiries that I did not initiate, authorize, or permit. These inquiries were made without my consent and are the direct result of fraudulent activity. 

I have provided the required Identity Theft Report from the FTC, along with proof of identity and address. Despite this, the credit reporting agencies and/or data furnishers have continued to report these unauthorized inquiries, which is a violation of my rights under XXXX. 

I am requesting that these inquiries be blocked from my file immediately and permanently, and that the furnishers of this data be notified as required by law.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
trying to reopen the case of where my loans should be forgiven. My school frauded everyone ( XXXX XXXX was bought by XXXX ). They created predatory loans and went through to fraud those that went through the doors. I've attached the original information and I'm now attaching the original court documentation with highlights of where it says that payments should not be getting paid and refunds should be issued.

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