vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-14 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-15 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: TX

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of XXXX charge-off accounts on my credit file. The information being furnished is inaccurate, incomplete, and not in compliance with Federal law. I am requesting that the CFPB require the furnisher ( s ) and the credit bureaus to conduct a lawful, reasonable investigation and correct or delete the information. 
Accounts Being Disputed XXXX. Creditor : XXXX XXXX Account Number ( Last XXXX ) : XXXX Charge-Off Date Reported : XXXX Issue/Reason for Dispute : INFORMATION INACCURATE XXXX. Creditor : XXXX  Account Number ( Last XXXX ) : XXXX Charge-Off Date Reported : XXXX Issue/Reason for Dispute : CO REPORTING BEFORE PAYMENT HISTORY INACCURATE. 
FCRA Violations : FCRA 602 ( a ) Accuracy Requirement : Items reported must be completely accurate ; these accounts contain inconsistencies. 
FCRA 611 Right to Dispute : I am disputing both accounts as inaccurate/unverifiable. A reasonable reinvestigation is required.

FCRA 609 ( a ) ( 1 ) Verification Required : I request verification of the dates, balances, charge-off status, and supporting documentation.

FCRA 623 ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers may not report information they know or should know is inaccurate. 
Requested Action : I request the CFPB require the furnisher ( s ) and the credit bureaus to : Conduct a reasonable investigation into both accounts Provide documentation verifying accuracy Correct or delete any data that is inaccurate, inconsistent, or unverifiable Provide written confirmation of changes If the furnisher can not verify the accuracy according to FCRA standards, the account must be deleted.

Declaration I certify this information is true and accurate to the best of my knowledge.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
SPEEDY CASH Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
Consumer portfolio was my creditor for a loan payment. I was told at the time of purchasing the vehicle that I can pay my payments with no additional fees by debit or bank account info through on line. I was making my payments for almost XXXX years this way. And then they started charging me with fees. I asked them to send me a copy of the contract that stated the extra fees in it and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts on my Equifax credit report. These accounts are reporting as charged off, but I believe the information is inaccurate, incomplete, or unverifiable : Creditor Account Number Date Opened Balance 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 XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that Equifax conduct a complete investigation into these accounts and correct or remove any information that can not be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
A law firm called XXXX XXXX XXXX said that I was being served for very old Citibank credit card ending in XXXX that I defaulted on XX/XX/XXXX. They informed me that they have already filed a lawsuit, and my XXXX  Court case number was XXXX, and I would be served today. 

I informed the person at XXXX XXXX XXXX that the statute of limitations on this debt expired in XXXX, they then told me their is no such thing as a statute of limitations on debts over {$10000.00}. I told them that is a complete lie. 

I then called the XXXX circuit court clerk in my county and the clerks office searched their records, and found that there is no lawsuit named against me from anyone whatsoever and the XXXX  Court case number they provided me is false since XXXX  court cases have XXXX letters in them. They also informed me this has become an everyday debt collection scam.

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 2025-11-15 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: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a lot of message that my information had been in a data breach, I checked my consumer profile and noticed multiple accounts that I did not authorize, i am a victim of identity theft.

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 2025-11-14 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:
I sent my police report, FTC report, My license to Experian.

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 2025-11-14 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: FL

Complaint narrative:
I sent my police report, FTC report, My license to Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WI

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I received an over draft fee of {$35.00} for a {$200.00} transaction made and posted on XX/XX/XXXX. I had more than enough funds to cover my transaction. When checking my online banking that night my account was still current. This is not the first time they charge me an over draft fee for a transaction that processed with funds. They are saying that the over draft grew was caused by other pending transactions that were not reflecting at the time. Rep. Stated they sent an alert, no alert was sent in regards to the transaction Im being charged the over draft fee over not pending transactions another rep. Informed me of their miss information not being current or in our Wells Fargo app. Its a trap of misinformation.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a lot of message that my information had been in a data breach, I checked my consumer profile and noticed multiple accounts that I did not authorize, i am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account has been restricted for several days, and my savings account was shut down. I had an external account linked to the checking that caused some problems with overdrafts and they restricted my account on multiple occasions and wanted to speak with my other bank to verify account sat on long holds multiple times trying to speak with someone at the other bank to no avail. They wont unrestrict my account even after the overdraft has been funded by my direct deposit, and after they deleted my external checking account which I was first told would take care of the restriction. They also wont allow me to transfer funds to another account and their customer service agents are rude and treat their customers like XXXX! They definitely dont value their customers and need lots of help when it comes to customer service because their agents are terrible. They also are unable to give me a time frame of when I can expect my money to be sent by check or how long it will take to actually close the account. They advertise fee free overdraft but the moment I was overdrafted they restricted my account. That is false advertisement and poor customer relations. They also offered a {$350.00} bonus for having direct deposit after so many days and mighty strange they put my account on restriction the moment I qualified for the bonus. Fishy business going on at this bank and I want my money thats in my account. Worst banking experience ever! Should of stuck with my bank Ive been at for over XXXX  years and have never had an account restriction ever placed on that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
I am requesting an investigation into the reporting of the following auto loan account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account contains multiple violations of FCRA 602A, 607 ( b ), and 611, making the report inaccurate, incomplete, and unverifiable. The inaccurate information includes, but is not limited to : 1. The account is being reported as both a charge-off and as having a past due balance. A charged-off account can not continue to report past-due amounts. 2. The account shows Company Sold, but continues to update balance and past-due fields, which is inaccurate and misleading. 3. The past-due amount was updated in XX/XX/XXXX, over two years after the charge-off status date of XX/XX/XXXX, which is inconsistent and inaccurate. 4. The original balance, charged-off amount, and past-due amount are inconsistent and can not be verified. 5. Auto loans must be reported as repossessions when applicable, not as mixed status ( charged off with ongoing delinquencies ). Due to these errors, I am requesting the immediate deletion of this account from my credit report if the furnisher can not fully verify all details with proper documentation.

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 2025-11-14 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: Independent Savings Plan Co.
State: TX

Complaint narrative:
I am filing this complaint regarding an account on my credit report that lists ISPC as the original creditor. The account number is ISPC XXXX. This account is reporting inaccurate and inconsistent information, and ISPC has never provided verification despite my repeated attempts to resolve this matter since XXXX. Because ISPC has failed to verify the account, I am reaching out to XXXX  XXXX  for answers and correction. This account does not meet the accuracy requirements under the FCRA. It is reporting two different balances across the credit bureaus, with XXXX  showing a balance of {$7000.00} while XXXX  and XXXX  show a balance of {$6900.00}. These inconsistent balances demonstrate that the information being furnished is unreliable, misleading, and not maintained with the maximum possible accuracy as the law requires. I have never received any documentation, verification, or explanation from ISPC, even though the account continues to be furnished on my credit report. I have reached out many times and have not received anything that confirms what this debt is, whether it belongs to me, or how the balances being reported were determined. Yet the account is still being reported as verified to the credit bureaus despite no verification ever being sent to me. This is inaccurate, deceptive, and unlawful. Because this account is unverified, inconsistent, and being reported in a manner that violates the FCRA, I am requesting that it be removed from my credit report immediately. XXXX XXXX/ISPC is responsible for ensuring that the information being furnished under its name is accurate, complete, and legally compliant. Continuing to report incorrect and unverified information exposes consumers to harm and opens the door to monetary liability. I am fully aware of my consumer rights and will pursue additional action if this matter is not corrected. I am requesting that this account be removed in its entirety due to the inaccuracies, the failure to verify, and the ongoing reporting of conflicting and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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