vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting DriveTime/BurishCrest Account To Whom It May Concern, I am writing to dispute the accuracy of the reporting for the following account appearing on my Experian credit report : Creditor Name : DriveTime/BurishCrest Date Opened : XX/XX/XXXX Reported Status : Repossession/Never Late Balance : {$11000.00} Original Balance : {$22000.00} Past Due Amount : {$11000.00} as of XX/XX/XXXX There are multiple inconsistencies and inaccuracies in the way this account is being reported : 1. The account shows a repossession status as of XX/XX/XXXX, but also indicates a Never Late payment history. This is contradictory and violates the FCRA requirement that information be reported accurately and completely.

2. The account reflects a past due balance of {$11000.00} as of XX/XX/XXXX, despite having entered repossession status over a year earlier. If the vehicle was repossessed in XX/XX/XXXX, the continued accrual of a past due balance is questionable and needs to be verified. 

3. The original balance of {$22000.00} versus the current balance of {$11000.00} suggests a portion of the debt may have been charged off or forgiven. However, I have not received a 1099-C form to reflect any cancellation of debt, which is typically required when a lender writes off a debt in whole or in part.

These inconsistencies bring into question the validity and accuracy of the accounts reporting. I am requesting the following under the FCRA : 1. A complete reinvestigation into this account.

2. A detailed explanation of how this account is being verified, including the method of verification used.

3. Immediate correction or deletion of the inaccurate data if it can not be properly verified.

4. Clarification on whether any portion of the balance was charged off or forgiven, and if so, when and why I have not received a 1099-C.

Please respond to this dispute within the required 30-day time period and send written confirmation of your findings and any actions taken. 



Sincerely, 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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had over 40 checks cashed/forged and stolen. They were forged clearly and Wells Fargo did not verify any of them. 

A total of {$150000.00} was stolen. A written notice was sent to dispute between the person who stole the monies. Wells Fargo is clearly negligent and it is solely there responsibility to verify checks. 

The signature of my name and hand writings do not match. And the person who stole them is not and never was a signer on my account. 

I called them XX/XX/year> Also went in the branch XX/XX/year> in person and showed them copies. The acknowledged the checks were forged. No action was taken. 

This is clearly a move for them to not take full responsibility. I should be fully reimbursed for the theft of my monies that Wells Fargo did not verify.

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 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX I was admitted to XXXX XXXX XXXX because I have End Stage XXXX  XXXX and I didnt have a place to stay or a chair for dialysis in the community. XX/XX/XXXX the social workers at the hospital helped me to get placed at a nursing home with in house dialysis called XXXX of XXXX XXXX. My insurance would not cover the stay and I had to pay out of pocket. The nursing home was $ XXXX and they were requiring I give 2 months deposit. My daughter in law took me to the Citibank branch XXXX XXXX XXXX XXXX so I could get a cashier 's check to pay the nursing home for my stay. The branch manager XXXX XXXX stated she didn't believe it should cost that much and believed I was being scammed and put a freeze on my account. XXXX told my daughter in law to take me to a hotel because it would be cheaper than $ XXXX a month. We tried to explain I have multiple medical issues including XXXX XXXX XXXXXXXX and require dialysis 3xweek and can not live in a hotel. As of today XX/XX/XXXX XXXX and citibank will not release the freeze on my account. I am homeless and cant even pay for my prescriptions because of this freeze. According to XXXX they would have to mail me a letter with a code on it to release my funds. I am homeless and cant receive any mail due to them maintaining this freeze on my account. I really dont know what I can do. I am also legally 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 2025-06-24 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: WI

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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
Tried to close my account three weeks ago. They never closed it and charged me a service charge fee and an overdraft fee.

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 monetary relief
Consumer complaint received 2025-06-24 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit card Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$5000.00} Balance updated XX/XX/XXXX Recent payment {$120.00} as of XX/XX/XXXX Monthly payment {$110.00} Credit limit {$17000.00} Highest balance {$5900.00} Please remove Authorized User XXXX XXXX on this account Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Report Fraud and Identity theft on the account for this card

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
In around XX/XX/XXXX a vehicle loan was Approved by Prestige Financial during a Bankruptcy XXXX XXXX in Texas and vehicle had major mechanical issues, I volunteer and returned the XXXX XXXX vehicle to Prestige around XX/XX/XXXX during Covid19 Pandemic as monthly payments wasn't affordable and I try to negotiate on lowering the monthly payments that was around {$480.00} a month. But Prestige refuse to lower payments and I was told during the purchase process at dealership in XXXX, Texas that Prestige was going to provide a affordable monthly payments because of my Lifetime Disability and Retirement status.

But unfortunate Prestige still trying to collect a debt that doesn't belong to me and Prestige sold the vehicle at a Auction..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
After thoroughly reviewing my credit report, I can say with full confidence that this account does not belong to me and it should have never been attached to my file in the first place. I dont recognize the creditor, Ive never had any dealings with them, and I did not authorize any such account. This looks like a clear case of mixed or mismerged credit data, and its causing damage to my credit profile for no valid reason. 

Whether its due to a clerical error, similar personal information to someone else, or an internal mismatch, thats not my problem to fix it is your legal responsibility to maintain accurate and individualized credit reporting, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 1 ) XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a f
ailure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-06-24 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
On my Equifax report there are 3 hard inquiries that I do not recognize : XXXX XXXXXXXX XXXX Dealer on XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, & XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 Experian and Equifax 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 Experian and Equifax inaction violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am writing to formally express my concern regarding the handling of my recent FHA loan modification process with XXXX/LoanCare. I was enrolled in a forbearance plan due to a temporary financial hardship and was actively working with your representatives to transition into a permanent loan modification. I was informed that I met all the qualifications and would be placed on a trial payment plan as the next step toward securing the modification. 

During my conversations with your team, I clearly communicated that I would be starting a new job in a few weeks and would not be able to make the first trial payment until my employment began. I was assured that I would receive a packet in the mail and would have time to make the initial payment. 

Unfortunately, the trial payment was scheduled sooner than what was discussed, and I received notice from XXXXLoanCare stating that I had missed the first payment and was therefore disqualified from the loan modification program. This decision appears to be based on a miscommunication, as I was transparent about my situation and was led to believe the timeline would align with my ability to pay. 

I am a XXXX XXXX XXXX  who experienced a temporary but significant hardship. Despite this, I have maintained excellent credit and a perfect mortgage payment history. My hardship has since been resolved, and I am now in a stable position to resume and maintain my monthly mortgage payments without issue. 

It is disheartening to feel that I am being penalized due to a misunderstanding, especially after proactively communicating my circumstances in good faith. I respectfully request that XXXX/LoanCare reconsider my eligibility for the loan modification program or offer an alternative resolution that allows me to retain my home and continue making timely payments.

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 2025-06-24 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: SC

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX Date : XX/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 2025-06-24 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: PA

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 non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-24 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: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-24 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: PA

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 2025-06-24 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: AL

Complaint narrative:
Complaint Summary for CFPB Dispute of Inaccurate Personal Information on Experian Credit Report To Whom It May Concern, I am submitting this formal complaint against Experian due to their continued reporting of inaccurate personal identifying information on my credit file, despite multiple disputes. This is now the third time I have disputed these inaccuracies, and Experian has failed to take the proper corrective actions in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate and permanent deletion of the following inaccurate names currently listed on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am requesting the removal of the inaccurate and outdated address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The only accurate and legally correct name that should appear on my credit file is : XXXX XXXX XXXX I have provided Experian with all necessary documentation in previous disputes to confirm my legal name and current address. Under 15 U.S. Code 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Their failure to permanently remove these inaccurate identifiers constitutes negligence and non-compliance with their duties under the FCRA. 

These inaccurate names and address are causing harm to my creditworthiness, personal privacy, and overall financial stability. I am seeking CFPBs assistance in ensuring that Experian fulfills its legal obligation to report only complete and accurate information and deletes all erroneous data listed above immediately. 

I appreciate your urgent attention to this matter and request written confirmation once the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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