vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 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: NC

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-22 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: NC

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company is listed as original creditor on my credit file i have done no business with these folks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: ME

Complaint narrative:
I must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The Citi account is being reported inaccurately as a collection. This account was paid in full and has a zero balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a zero balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXXXXXX XXXX XXXX. We are XXXX  months from payoff XX/XX/year>. We have been notified that we are approaching payoff with no mention of discontinued monthly deduction that is automatically deducted from our bank for the past XXXX  years. I called to speak with them about the escrow balance and she introduced her self with this is an attempt to collect a debt. I quickly looked at the bank account and noticed they did not deduct the XXXX payment. She said Im unable to take you payment at this time because your payoff is {$4900.00}. I said yea that three more payments. I complained that this looks like a set up to make me delinquent on purpose so they can call the note due and access a late fee due before the payoff date. This is a breach of contract by Wells Fargo per the Deed of Trust And All in the effort to ruin our credit make us have a late payment without notice of any kind regarding removal of automatic payment. No mortgage company should be requiring payoff 3 months prior to the payoff date. My deed of trust clearly states XX/XX/year>. Wells Fargo should be researched to see how many other mortgagees have had this happen to them and they have made them payoff early. The representative was a dinner that I had to pay off the loan today. I just happen to know Better and when I told her she was in breach of contract they sent me the executive escalation department. They gave me a case number still didnt take my payment. They said they would get back to me within 10 days. Thats the end of the month and will mess up my Fico score as well.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency IC System INC XXXX XXXXXXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The Citi account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX from Volvo Cars XXXX XXXX and, shortly thereafter ( about XXXX months later ) I called the dealership ; a couple of months after that, completed a contact form on the VCFS website XXXX then in XXXX, XXXX, and XX/XX/XXXX, I submitted written requests to cancel a voluntary extended warranty that was financed as part of my retail installment contract. 
Volvo Car Financial Services ( VCFS ) has confirmed in writing that the selling dealership is responsible for processing the cancellation of the extended warranty and notifying VCFS of the adjustment so that the appropriate refund can be applied to my loan balance.

Despite multiple calls and written requests, including a formal 10-day final notice, Volvo Cars XXXX XXXX has failed to respond or take any action to process the cancellation. This lack of response has directly prevented the refund and corresponding loan adjustment from being completed.

The extended warranty, which cost approximately {$5000.00} ( {$4900.00} for a 7-year term ), remains active and financed against my wishes, even though I made a timely and documented request to cancel it. As a result, I continue to incur interest charges on a product I expressly sought to cancel, causing ongoing and unnecessary financial harm.

VCFS has further confirmed that no refund can be issued and no loan adjustment can be made unless and until the selling dealership submits the required cancellation documentationsomething the dealership has refused or failed to do, despite repeated opportunities.

I have acted in good faith, followed all required procedures, and made diligent efforts to resolve this matter without escalation. The dealerships continued non-responsiveness has left me with no alternative but to seek relief, as their inaction is the sole reason the cancellation and refund have not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Request for Review of Consumer Loan Compliance OneMain Financial Group, LLC My Loan principal : {$14000.00} Portion XXXX : first {$3000.00} up to 36 % APR Portion XXXX : remaining {$11000.00} up to 24 % APR 1 Interest on first {$3000.00} 36 % {$3000.00} = {$1000.00} per year XXXX Interest on remaining {$11000.00} 24 % {$11000.00} = {$2800.00} per year Total allowed blended interest per year {$1000.00} + {$2800.00} = {$3900.00} Divide by total loan principal {$3900.00} {$14000.00} XXXX 26.43 % XXXX My current loan APR : 31.99 % Estimated maximum blended legal APR in XXXX  : ~26.4 % My APR is significantly higher than this simple blended benchmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I opened up the BMO checking account with a {$400.00} bonus offer and already completed the required tasks for the bonus. Today ( XX/XX/year> ) I contacted BMO to follow up the bonus and was told my account is closed because of being inactive for over 45 days. However I just transfered {$50.00} from my other account to BMO on XX/XX/year> ( see attached email confirmation ), which is less than 45 days ago. Except for the {$400.00} bonus, I still have money in my account which I'm unable to access now.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company : Midland Credit Management , Inc . 
Also involved : XXXX XXXXXXXX Product : Credit reporting Issue : Inaccurate information / Improper investigation / Debt buyer reporting Complaint Text ( copy-paste below ) : I am submitting this complaint regarding inaccurate and unlawful credit reporting by Midland Credit Management , Inc. , and a failure by XXXX  XXXX to conduct a reasonable investigation under the Fair Credit Reporting Act. 

The account reported by Midland Credit Management was previously disputed and deleted from my XXXX  credit report due to the creditors inability to verify the accuracy and completeness of the information at that time. Despite this prior deletion, the same account is now being reported to TransUnion as a debt buyer account. 

When I disputed the account with TransUnion, TransUnion responded that the account was verified and updated. This representation is inaccurate. No meaningful verification has occurred. A generic or automated confirmation from the furnisher does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation, particularly where the account has already failed verification with another consumer reporting agency. 

Midland Credit Management is reporting this account without providing proof of legal ownership, a complete chain of title, the original signed agreement with the original creditor, or confirmation of the accurate Date of First Delinquency. The reporting also reflects recent updates despite no consumer-initiated activity, raising concerns of improper re-reporting and potential re-aging. 

TransUnion has continued to report this account despite notice that it was previously deleted elsewhere and despite the absence of substantiating documentation. Continued reporting under these circumstances is inaccurate, misleading, and harmful. 

I am requesting that the CFPB require the companies to : Conduct a lawful and documented investigation Provide proof of ownership and accuracy, including the Date of First Delinquency Correct or delete the account from my credit report Ensure compliance with the Fair Credit Reporting Act This inaccurate reporting is causing ongoing damage to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I experienced unauthorized wire transfers due to account takeover via a spoofed bank fraud call that impersonated City National Bank of Florida. 

I contacted the banks fraud department, verified my identity, and was informed that my account was restricted and online banking blocked. 

Despite this, the bank processed an additional wire transfer after fraud notice and account restriction. 

The bank is treating this as a recovery issue rather than acknowledging responsibility for allowing transactions after actual notice. 

I am seeking full reimbursement and regulatory review of the banks failure to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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