vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7000.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7000.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Wells Fargo credit card that I have been struggling to pay but I never stopped paying. I always paid what I could, every single month for years. 

I tried to call them in XXXX of XXXX  to discuss my situation, because I told them I was going through a very serious medical and financial hardship and they told me to call back in XXXX when the account charges off to explore additional hardship options. 

Now I called back and they send me to a lawfirm and wells fargo said there is nothing I can do, I must talk to the law firm. This feels like I was set up. This deceptive and predatory practice now has me having to talk to a lawfirm about this, when I never stopped paying my account I just couldnt pay the minimum payments, but I still paid something.

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 2025-08-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the XXXX  credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/year>, I submitted a credit application solely to Texas Toyota XXXX XXXX for the purpose of obtaining financing for an automobile purchase. My application was directed exclusively to the dealership. At no point did I apply directly to Toyota Motor Credit, nor did I provide Toyota Motor Credit with express written authorization to access my consumer report. 

Despite the absence of a direct application or specific consent, Toyota Motor Credit obtained my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a permissible purpose to obtain a consumer report exists only where the consumer initiates a transaction directly with that creditor or provides express written consent to that specific creditor. Neither condition was met in this case.

The dealerships possession of my application does not grant Toyota Motor Credit blanket authorization to pull my credit. Without direct consent, this inquiry constitutes an impermissible access under 1681b ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC case number : XXXX. I issued check number XXXX for {$3000.00} on XX/XX/XXXX  to PNC customer XXXX XXXX XXXX however, I wrote the check to XXXX XXXX not XXXX. PNC flagged the check as potential fraud because it just said XXXX XXXX. I asked XXXX to destroy check no XXXX and I would reissue another check to XXXX XXXX which I did. Check no. XXXX was issued on XX/XX/25 for {$3000.00}. That check cleared PNC and XXXX received XXXX funds into his acct. Both checks XXXX and XXXX were taken out of my account but XXXX did not receive the funds for check no XXXX and I have not received a refund. I have talked with XXXX, XXXX and XXXX at PNC fraud division with no help whatsoever. I asked for a Manager to speak to and was told that there were none available to speak with me and I could not hold for the next available manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I financed a used XXXX  XXXX XXXX on XX/XX/XXXXXXXX  through Ally. Negotiations at the dealership were largely in XXXX, but the closing/signing on XXXX was in XXXX. My retail installment contract itemizes optional add-onsGAP {$670.00}, credit XXXX {$540.00}, a service contract {$2200.00}, and a {$220.00} doc feeyet the Buyers Order given to me shows {$0.00} on the add-on lines. I did not receive clear Spanish disclosures or a separate, affirmative opt-in for these products ; my understanding at signing was only GAP. Note : A later XXXX shows pre-sale powertrain entries not discussed at sale ( XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Engine checked ; XX/XX/XXXX Engine checked ; XX/XX/XXXX Engine/Powertrain computer checked ; XX/XX/XXXX XXXX  ). 

After delivery I returned the vehicle XXXX for promised XXXX  work ( not completed ). On XX/XX/XXXX at XXXX miles the vehicle displayed a check-engine light and severe engine vibration/rough running, so I stopped using it and reported the issue in person on XX/XX/XXXX. I have continued making payments ( e.g., {$57.00} on XX/XX/XXXX ) while the account reflects add-ons I do not believe I elected. 

Please ask Ally to : ( 1 ) obtain from the dealer the XXXX audit trail, any signed add-on elections, and any Spanish disclosures ; ( 2 ) if clear, affirmative consent is not shown, remove/cancel any unelected add-ons, refund premiums/fees to principal, and reissue corrected statements ; and ( 3 ) code the account in dispute, pause negative reporting/fees during review, and provide a written response with a single point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
On XX/XX/year>, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year>XXXX  that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-08-12 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: NY

Complaint narrative:
Please be advised this complaint is not submitted in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy and are causing me ongoing financial and personal hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CO

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint with full confidence in its validity and with serious concern over the numerous errors on my credit report. These inaccuracies have been causing significant harm to my credit score and quality of life, preventing me from achieving financial stability and independence.

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 2025-08-12 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:
There is inquiry on XXXX XXXX They tried to open XXXX XXXX XXXX. Credit card account under my name, which is fraudulent activity

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Summary of Complaint : This is a continuation of my previous CFPB complaint # ( XXXX and XXXX ) against XXXX XXXX regarding an unverified tradeline for a closed account ending in XXXX. XXXX XXXX has already received my written dispute containing my name, address, and account number, along with clear instructions to communicate only in writing. Despite this, they responded in the prior complaint by claiming they need authorization to proceed, which is a delay tactic and not legally valid since my dispute already included all necessary identifying details to investigate. 
Nature of Issue : XXXX  XXXX continues to report inaccurate and unverified information to credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S.C. 1681i ( a ) : Failure to conduct a lawful reinvestigation and delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Failure to correct or remove inaccurate information after notice of dispute.

15 U.S.C. 1692g ( b ) : Continuing collection/reporting without providing written validation upon request. 

The account, originally opened on XX/XX/XXXXXXXX  and charged off in XX/XX/XXXX, continues to reflect negative reporting and an alleged balance of {$2000.00}. XXXX XXXX has never provided lawful written validation despite multiple disputes.

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 2025-08-12 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:
There are fraudulent accounts reported on my credit report that have no association with me. I never authorized or participated in the creation of these accounts. Their presence is not only inaccurate but also damaging to my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are a XXXX and get paid by check by the XXXX XXXX. A check was sent to us that got lost and a stop was placed. A few days later that check was delivered to us via XXXX and we asked the issuer if it was ok to deposit it. The issuer answered the hold had been removed and that we could deposit. We did deposit the check but the hold was still in place. A replacement check was issued on XX/XX/year> and a 7 day hold was placed on it until XX/XX/year>. The 7 days have passed but we are unable to use our funds. Funds have been reflected on our account but for some reason there is a credit only status on our account rendering us unable to use our funds as only credits can post. We have asked the bank to remove this and they seem to have no clue of what is going on. 
We have been unable to get to any resolution with the bank and are unable to use our funds without any explanation whatsoever or notices informing us of why the hold has not been removed.

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