vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This letter serves as a formal dispute of the late payment currently reported on my credit record. My history demonstrates that payments have been made on time, making this entry inaccurate and damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( XXXX XXXX XXXX ) : This complaint supplements CFPB Case # XXXX. Since filing, I remain unable to access the promised TransUnion/XXXX XXXX breach monitoring service. 

My activation code was rejected as already used, even though I never completed enrollment. 

Login attempts failed at the identity verification step ( Message ID : XXXX ). 

On XX/XX/year>, I received a callback from TransUnion, but no representative was on the line despite waiting XXXX minutes. 

On XX/XX/year>, I called the dedicated breach hotline ( XXXX ) at XXXX XXXX XXXX  and stayed on hold for over XXXX minutes. The call included an internal transfer but no representative ever answered. 

Despite multiple follow-ups after my original complaint, I still can not enroll or use the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of XXXX collection accounts placed by XXXX. XXXX of these accounts have already been deleted from both Experian and TransUnion after my disputes. However, Equifax continues to report all XXXX, which makes my credit reports inconsistent and misleading. In addition, XXXX of these accounts was paid in full. I also request that the Consumer Financial Protection Bureau direct Equifax, Experian, and TransUnion to review the remaining XXXX account for accuracy and fairness. It is unreasonable and inconsistent that XXXX accounts from the same collector have been removed, yet this XXXX account continues to remain. This creates an inaccurate picture of my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of XXXX collection accounts placed by XXXX. XXXX of these accounts have already been deleted from both Experian and TransUnion after my disputes. However, Equifax continues to report all XXXX, which makes my credit reports inconsistent and misleading. In addition, XXXX of these accounts was paid in full. I also request that the Consumer Financial Protection Bureau direct Equifax, Experian, and TransUnion to review the remaining XXXX account for accuracy and fairness. It is unreasonable and inconsistent that XXXX accounts from the same collector have been removed, yet this XXXX account continues to remain. This creates an inaccurate picture of my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding multiple accounts reported inaccurately on my credit report and to request your urgent investigation and resolution. The following entries are either reporting false late payments, charge-offs, or collections that do not reflect my actual financial obligations : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry These inaccuracies are causing significant damage to my creditworthiness, and they do not reflect my actual payment history. Specifically : Accounts showing late payments or charge-offs have been reported incorrectly despite my compliance with payment obligations. 

Collections from XXXX XXXX XXXX XXXX and others are inaccurate or not properly validated. 

Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX raise serious concerns about potential improper reporting practices. 

I request the CFPB to : Conduct a thorough investigation of all the above accounts. 

Ensure inaccurate or unverifiable information is corrected or removed from my credit report immediately. 

Provide written confirmation of the actions taken to resolve these 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I financed a vehicle through XXXX XXXX for {$13000.00} at 22.99 % APR, with a total finance charge of {$11000.00}. To date I have paid over {$20000.00} toward this loan, including {$1200.00} in late fees. Despite this, XXXX XXXX still claimed I owed a balance of {$6500.00}. 

In XX/XX/XXXX, I lost my job due to XXXX and requested a hardship accommodation. My request was denied, even though my account was current through XX/XX/XXXX. I continued making payments throughout XXXX, including {$700.00} in XXXX, {$1000.00} in XXXX, and {$600.00} in XXXX, until my savings were depleted. 

On XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX and XXXX, XXXX NY ( XXXX XXXX ), acting on behalf of XXXX XXXX. During the repossession : The tow operator acted aggressively and nearly struck me with equipment. 

The vehicles front bumper was damaged. 

Most seriously, the entire car fell off the tow truck into XXXX XXXX due to improper securing. I have both photographic and video evidence of this. 

This incident created a serious public safety hazard and constitutes a breach of peace under New York UCC XXXX, which requires repossessions be conducted without threats or unsafe conduct. It also caused property damage and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells fargo card service with account # ending XXXX, I contacted the company around XX/XX/year> about my account in charge off status XXXX, we have come to an settlement agreement for {$1200.00} with a by-weekly payment of {$100.00} i have been consistent with these payments, my issue is the account has not been updated on my XXXX  profile but updated on XXXX  and XXXX  I am asking wells fargo card service to please update the account on my XXXX  credit file. Thank you for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have called NavyFederal for over the last XXXX months asking for alternative solutions for my cc accounts. I have asked for over XXXX months from several different reps to close my account. No one closes my account the keep asking me for a promise to pay then going into my checking account and taking the funds. Refusing to reverse the fund they just hi hacked from my account. This has to be illegal on some many different levels. I am in a tough situation and being that I have been with Navy Federal since XXXX  I expected more. I need help getting out of this situation immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a complaint with my bank, Wells Fargo on XX/XX/year> after I realized that my account had been compromised. I noticed charges adding up to around {$1600.00} that was unauthorized. The charges were still PENDING so I was hoping that the bank would stop payment which would have solved the unauthorized charges but the bank said the charges had to go through and then I could file a claim. I was out of town with less than XXXX in my account. The bank waited to give me their decision on the XXXX day. Of course the bank denied my claim so I appealed their decision in which that claim was also denied stating that the person had my debit card and pin number. I had my card in my possession and used the card at a store in my home town before leaving to go on a mini vacation. The charges was a places that I have never used my debit card at, places such as XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : UNIFUND CCR LLC Account number : XXXX Dear ( UNIFUND CCR LLC ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
To whom this may Concern I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that i owe the debt. 
This is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. 
I ask that you prove that I am indeed the party who contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a {$500.00} Vanilla Mastercard gift card by InComm at XXXX XXXX XXXX. When I attempted to use the card, it was immediately declined. 

I contacted InComm, and they offered to send me a replacement card. When I received the replacement and attempted to activate it, the online system displayed an error instructing me to call. I was given a case number and told to submit documentation, including : Photos of both sides of the card The purchase receipt A copy of my drivers license A recent utility bill On XX/XX/XXXX, I submitted all requested documents. On XX/XX/XXXX, InComm responded with a denial, claiming my mailing address was not a valid address to send a referral card to. This is false. I have lived at this address since XX/XX/XXXX. 

Since then, I have complied with every one of their repeated requests : XX/XX/XXXX XXXX documents received identical denial. 

XX/XX/XXXX Resubmitted documents, including a photo of unopened mail I received from InComm at my home address received identical denial. 

XX/XX/XXXX Denied again with the same wording. 

XX/XX/XXXX Denied again. 

XX/XX/XXXX Denied once more after resubmitting documents. 

In total, I have submitted my documentation multiple times. I even provided proof of another valid case where InComm previously mailed a replacement card to the same address. I also provided my work address with proof of mail received there, yet InComm continues to issue the same denial notice, demanding a different address. 

Key Issues : InComm is refusing to honor the {$500.00} Vanilla Mastercard gift card I purchased in good faith.

Their claim that my mailing address is invalid is false and directly contradicted by evidence. 

Despite full compliance, InComm has repeatedly denied my claim using a form-letter response. 

I am being deprived of {$500.00} with no resolution despite months of effort and compliance. 

Requested Resolution : I request that InComm be compelled to : Issue a valid, usable replacement Vanilla Mastercard gift card for the {$500.00} I purchased, OR Refund me the full {$500.00}. 

Additionally, I request the CFPB review InComms repeated use of invalid address denials as a possible pattern of unfair or deceptive business practice. 

Supporting Evidence : Purchase receipt from XXXX ( XX/XX/XXXX ) Case numbers provided by InComm Copies of my drivers license and utility bill Photos of unopened InComm mail delivered to my home address

Company response to consumer: Closed with explanation