vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by National Credit Adjusters. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

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

Complaint narrative:
I have contacted the 'merchant ' and they will not cancel my supposed account that I can not find in their system. They only direct me to my bank to address billing issues. They have attacked more than one bank account at different bank institutions. 

The 1st change started in XXXX. I requested to cancel billing in XX/XX/XXXX which was not recognized. I worked with my bank to stop payment instead. 

As of XX/XX/XXXX, the same 'merchant ' started auto debiting my business bank account woth a different bank institution. I reached out again in XX/XX/XXXX and received the exact same email as in XX/XX/XXXX. 

I connected with the alternate banking institution to stop payment which they did. Another charge came in XX/XX/XXXX which has since XXXX reimbursed and/or stopped payment on. 

I do not use the service I supposedly registered for and have attempted to contact the company several times to resolve.

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 2025-08-09 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: LA

Complaint narrative:
I disputed the XXXX XXXX XXXX account ( No. XXXX ) on XX/XX/year>, via certified mail. The account is in active litigation, and the judgment was vacated on XX/XX/year>, for improper service. Experian still reports it with inflated/inconsistent balances ( {$5300.00} claimed vs. {$4600.00} shown ; original {$3200.00} ), monthly charge-offs from Aug 2023Jul 2025, and an open status when closed. XXXX has not verified debt ownership. This violates FCRA 1681e ( b ), 1681i, and XXXX XXXX guidelines.

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 2025-08-09 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:
On XX/XX/XXXX, I obtained my credit reports from Experian, Equifax, and TransUnion. Each report contained negative accounts and hard inquiries that are inaccurate, unverifiable, and/or unauthorized. 

Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that the credit reporting agencies block and remove this information because it can not be verified as accurate. I have not authorized certain inquiries, and some of the negative accounts appear to be the result of reporting errors or possible identity theft. 

The disputed items include : Negative 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  These items are causing harm to my credit profile and financial standing. I have detailed each disputed account and inquiry in my attached written complaints, specifying the bureau ( s ) that are reporting them. 

I request that the CFPB require Experian, Equifax, and TransUnion to investigate each item, provide documented verification of accuracy within 30 days, and permanently delete any item that can not be verified in full compliance with the FCRA.

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 2025-08-09 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: FL

Complaint narrative:
On XX/XX/XXXX, I obtained my credit reports from Experian, Equifax, and TransUnion. Each report contained negative accounts and hard inquiries that are inaccurate, unverifiable, and/or unauthorized. 

Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that the credit reporting agencies block and remove this information because it can not be verified as accurate. I have not authorized certain inquiries, and some of the negative accounts appear to be the result of reporting errors or possible identity theft. 

The disputed items include : Negative 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  These items are causing harm to my credit profile and financial standing. I have detailed each disputed account and inquiry in my attached written complaints, specifying the bureau ( s ) that are reporting them. 

I request that the CFPB require Experian, Equifax, and TransUnion to investigate each item, provide documented verification of accuracy within 30 days, and permanently delete any item that can not be verified in full compliance with the FCRA.

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 2025-08-09 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: FL

Complaint narrative:
I am submitting this follow up complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2025-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Michael Wayne Investment
State: KY

Complaint narrative:
I am submitting a formal complaint to dispute inaccurate and unfair credit reporting related to a vehicle debt.The company is called Michael Wayne Investments. The vehicle in question was towed before I joined the military but was sold by the towing company around XX/XX/, during my XXXXXXXX XXXX XXXX. I officially entered XXXX XXXX in XX/XX/. 

Despite my XXXX XXXX status and multiple notifications to the creditor and towing company regarding my rights under the Servicemembers Civil Relief Act ( SCRA ), I have been informed that I remain financially liable for this debt. It is important to note that the creditor and towing company are aware they never repossessed the vehicle, yet they have proceeded to hold me responsible and have reported the debt on my credit report. I did not authorize the sale or repossession, nor was I properly notified. 

This inaccurate reporting has significantly harmed my credit standing. The protections provided by the XXXX, which shield XXXX XXXX service members from certain financial obligations and repossessions, have not been honored in this case. 

I have made numerous attempts to resolve this issue directly with the creditor and towing company, including informing them of my SCRA rights and that they never repossessed the vehicle, but they have refused to remove the debt or correct my credit report. 

I request that the CFPB conduct a thorough investigation, ensure immediate removal of this inaccurate debt from my credit reports, and confirm that I am not liable given the circumstances, my XXXX XXXX status, and the failure of the creditor to repossess the vehicle. 

I have attached documentation supporting my claim, including proof of military service, communications with involved parties, and notifications of my SCRA rights. 

Thank you for your attention and prompt assistance in resolving this matter.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by [ Creditor/Collector Name ]. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC 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 2025-08-08 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: MD

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 2025-08-08 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: MI

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 : XX/XX/XXXXDate : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXX/XX/XXXX- Account Number : XXXX, Date Opened : XXXXXX/XX/XXXX Balance : $ XX/XX/XXXX XXXX - Account Number : XX/XX/XXXX, Date Opened : XXXXXX/XX/XXXX Balance : $ XX/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 2025-08-08 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: MA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX -Tbom Mil Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX. XXXX, XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-08-08 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:
I believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit cards that my husband and I have had since XXXX and which have been reported accurately until recently have disappeared from all 3 credit bureaus. When we called Experian she said that we did not have that card because it wasn't on her screen! When we asked to talk to a supervisor she said they would call us back within 72 hours. No one has called us back. We can not get a response from any of the 3 bureaus.

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 2025-08-09 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: FL

Complaint narrative:
Despite previous efforts, inaccurate accounts are still listed on my credit report, and no removal has taken place. I am requesting that you review the attached documents in detail to ensure I never have to face this problem again.

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 2025-08-09 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally filing a complaint with REGIONS BANK data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation