vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

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

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Complaint Against TransUnion Inaccurate and Misleading Late Payment Reporting To : Consumer Financial Protection Bureau I am filing a complaint against TransUnion for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. 

The account in question is reported as follows : Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pay Status : Paid, Closed ; was 60 days past due date Payment History Grid : XXXX in XXXX XXXX, 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX This reporting is misleading for the following reasons : Conflicting Data The account is closed and paid, yet the Pay Status field continues to display was 60 days past due date. Metro 2 guidelines require the Pay Status to reflect the current condition of the account ; late payments should only appear in the payment history grid, not as an ongoing or current status. 

XXXXerification Deficiency I previously disputed this entry, but TransUnion verified it without providing a payment ledger from the original creditor. Under FCRA 611, TransUnion is required to verify the accuracy of the information with the furnisher and provide supporting documentation. 

Potential Date Accuracy Issues If the 60-day late mark is inaccurate or misapplied ( e.g., posted after payment within a grace period ), it should be removed to comply with FCRA 607 ( b ).

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: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Activehours
State: GA

Complaint narrative:
The company advertised a {$50.00} referral for anyone who refers people to use their services. I referred my friend and he met all of the requirements in order to get a {$10.00} referral fee and I was supposed to get a {$50.00} referral fee. The company confirmed that I met all the requirements and still will not give me the {$50.00} referral fee that they advertised. I have screenshots of everything and the multiple conversations I have had with them asking them to resolve this issue and now I'm not getting any response. It does not seem fair that I fulfilled my part of the bargain and they have not fulfilled theirs and I'm very upset about it

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
First source advantage LLC reached out to me by letter saying that a fraudulent check or a check was attempted to be cashed on XX/XX/year> at XXXX XXXX. They are saying XXXX paid XXXX XXXX and now I owe them {$130.00} and change with a {$25.00} debt collection fee When I called them they wanted all of my personal banking information, my Social Security number and my drivers license number and all of that Im not giving that information to them. In the forms below youll see that I did call them to say it was fraudulent and theyre now wanting a notarized affidavit letter with again all of my personal information and a copy of my drivers license, this seems super scammy. This was not me. I was not in town and Ive never shopped at XXXX XXXX and I certainly would not have written a check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal in its negligence permitted a new checking account to be opened. 

. Navy Federal in its negligence failed in its fiduciary duty to have in place elements of electronic monitoring and security which would/could/should have alerted its Representative of what its Representative presented as risks in the eyes of the Credit Union including services of opening a new checking account, thereby causing me the client/customer to be deceived into believing I had successfully opened an account with the Credit Union. This act in and of itself caused undue emotional distress and anxiety and disruption to my plans of making future financial decisions ( for me and by extension my family when my daughter accompanied me to also open a new account ). 
That Navy Federal in its negligence rescinded the use of the new checking account by advising through its Representative that I could not access the account nor withdraw monies deposited to the account ( due to an after-the-fact discovered charged-off account from XXXX negligently not revealed at time of account opening ). 
That I was previously not prohibited from and had been allowed to open a ( initially ) Roth IRA ( now discovered converted without notification general IRA ) Account years ago ; that there had been no mention of a charged-off account nor anytime thereafter ( until XX/XX/XXXXXXXX  ). 
That I had been allowed to open two Certificate Accounts for each of my then minor children ; there had been no mention of a charged-off account at that time nor thereafter ( until XX/XX/XXXXXXXX  ). 
That I had at one point or another over the years between XXXX  and XXXX  applied for credit with the Credit Union in the form of a car and home loan and potential credit card. Navy Federal failed to inform of any outstanding derogatory account. 
That I have over the years maintained accurate contact information with Navy Federal including email address, telephone contacts, and mailing addresses that the Credit Union could have contacted me about the charged-off account over the course of years between XXXX  and 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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: VW Credit
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  went in to finance purchase of new car at the XXXX dealership I was pressured into used car lease with out giving loan details at closing or warranty truth or lending paper work until month of signing had to call multiple times their already issues with car have reached out to dealership this has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because Wells Fargo has now closed my dispute for the {$830.00} XXXX XXXX XXXX XXXX purchase made on XX/XX/year>, and returned in full on XX/XX/year>, without ever providing a clear explanation or the documentation used to reach their decision. Despite my repeated requests, Wells Fargo has not disclosed the basis of their conclusion, has failed to produce any verifiable evidence contradicting my return receipt, and continues to claim that I owe the debt. I physically returned the merchandise in accordance with Nordstroms policy, received a return confirmation by email, and submitted that receipt multiple times, yet I am being held financially responsible for an item I do not possess. This violates my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), which require creditors to conduct a reasonable investigation of billing error claims and provide a written explanation of their findings, along with the evidence relied upon. Wells Fargos actions also raise concerns under 15 U.S.C. 45 of the FTC Act and 12 U.S.C. 5531 of the Consumer Financial Protection Act, as their handling of my dispute has been unfair, deceptive, and abusive, effectively denying me the ability to understand or challenge their decision. I am requesting that the CFPB require Wells Fargo to reinstate the {$830.00} credit, provide the full investigative documentation and reasoning for their decision, remove any interest charges or negative credit reporting, and ensure that XXXX  produces verifiable proof to substantiate their claim or retract it entirely. Consumers should not be forced to pay for merchandise they returned in good faith simply because a bank refuses to share or substantiate the basis of its decision.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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: 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: CA

Complaint narrative:
I am disputing multiple unauthorized inquiries, fraudulent accounts, and incorrect personal information on my TransUnion credit report. 
Unauthorized inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Fraudulent/identity theft accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Incorrect personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. 
I am a victim of the XXXX XXXX data breach. I request removal of all inaccurate, unverifiable, and fraudulent information under the FCRA and a corrected 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 2025-08-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MN

Complaint narrative:
My card has been declining for no reason. My card wasn't damaged and has my benefits loaded but the rep said it was a chip issue. Offered to send me a new card and was charged a fee for expedited delivery. The new card has arrived with no way to activate it. I've called customer service several times and I remain on hold for hours when following the prompt. I tried to request another card and noticed that the only line that is answered is the line for a damaged card.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to report these accounts that was fraudulently opened in my name. I did not authorize, open, or consent to this account. I am a victim of identity theft. This unauthorized account is currently appearing on my credit report and is severely impacting my ability to obtain my daily needs. I am requesting that this account be investigated and permanently removed 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TRUE ACCORD CORPORATION / XXXX.. I tried contacting them about a wrongfully opened account and is now being said I owe

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I sent Portfolio Recovery Associates a formal written request for full legal validation of an alleged XXXX XXXX. debt ( Portfolio account # XXXX ), pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). My request included : the original signed agreement, complete account history, proof of ownership/assignment, and proof of authority to collect in Maryland. The letter was sent via certified mail ( # XXXX ) and delivered on XX/XX/year>. 
Portfolio Recovery Associates never provided any of the requested documentation. Instead, they continued to report and update this account to XXXX, XXXX, and XXXX  as reflected in my XXXX  credit report dated XX/XX/year>. 

On XX/XX/year>, I sent a Notice of Intent to XXXX reiterating their violations and giving them 30 days to comply. They still did not respond and continued reporting. 

This conduct violates : FDCPA ( 15 U.S.C. 1692g ( b ) ) continued collection without validation. 
FDCPA ( 15 U.S.C. 1692e ) false/misleading representation of a debt.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) furnishing inaccurate/unverifiable information.

I am requesting that Portfolio Recovery Associates immediately delete the account from all credit bureaus, provide full legal validation, and cease all collection/reporting until proper validation is provided.

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 — Public record information inaccurate
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
I disputed a public record on my personal report that DOES NOT BELONG TO ME. XXXX  opened up a dispute, 30 days later transunion sent me a letter stating that they verified the public record when I called them to ask them for a method of verification they told me they spoke with a federal court, clerk and a verify the information. I contacted the bankruptcy court to inquire about this. The bankruptcy court sent me a letter stating that they do not share my information and that they have not talked to XXXX.. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I received several clams stating I owe {$150000.00} for a car, another XXXX car i do not owe. 
Hospital paramedic. Credit cards i have no Idea. 
Do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year> I received a Wells Fargo credit card with my name on it in the mail however I have never banked with them or attempted or consented to opening an account or credit card at Wells Fargo. I called Wells Fargo customer support to report fraud on XX/XX/year> and was transferred to the identity theft department where I was told the card was put on freeze and given a case number. I was told no further information would be available for 30 days at least.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

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

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize or recognize. These inquiries were made without my consent and are negatively affecting my credit score. I request that these unauthorized inquiries be investigated and removed in accordance with the Fair Credit Reporting Act.

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