vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
The following unauthorized inquiries were made on XX/XX/year>, and should be immediately removed : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> I have attached a copy of my FTC Identity Theft Report ( Report # XXXX ) confirming that I have officially reported this activity as identity theft. This document outlines the fraudulent credit inquiries in question and confirms that I did not authorize any of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : The bureaus # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. 

FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. 

Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 
FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. 

Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant did not tell me who was trying to hack into my account. I do not want that company to hack into my accounts. The company goes by XXXX. I have no idea of who they are. Please help me with this situation.. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I stared a dispute with Barclays Bank and JetBlue because during the change of flying date not cancelation that was already pay with my XXXX XXXX credit card, they force me to take their credit card as if was buy with their card. JetBlue said that the money that they took from my credit card was in their bank, but I was unable to see that, because they put on my cousin account for who I buy the ticket fly. I star a disputed via XXXX  many times. On XX/XX/year> my cousin was able to use this money, and I decided to make agreement to setup payments and when trying to contact them via email or phone call I was told that they don't now the creditor name or how to get in contact with this new creditor where my account was. The interest was running during the dispute until know. XXXX  lowing my credit report and they only want me to payment for better services and lower my credit report. I never been late on my credit cards payment during my XXXX age years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Began to receive email chain from Wells Fargo as a checking account was opened in my name. 

I have never had an account or used Wells Fargo for any banking purposes. 

Fraudulent Everyday Checking account opened on XX/XX/year>. My name, email address, and social security number were confirmed to be used to open this account. Phone number listed on the account was different from mine. 

Wells Fargo refused to give me the full account number and address associated with the account when requested. 

I called Wells Fargo on XX/XX/year> and verified that the checking account opened was an authentic account. I informed them that it was fraudulent and unauthorized. Visited physical location and requested that the account was closed. Began necessary steps to combat 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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
I received a letter from a debt collector called Zions Debt Holdings. They claim I owe a company named XXXX {$710.00} and they claim that they will take me to collections if I do not pay them. 

I have never heard of XXXX. My credit report does not show anything from a XXXX company. Also, most interestingly, they have my name and address correct but they add in the address " XXXX of XXXX XXXX XXXX ''. I live in a XXXX family house. There are no XXXX buildings and I have never heard of " XXXX of XXXX '' nor have I ever represented myself as such.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
On XX/XX/2023 I had court for an eviction judgment from XXXX XXXX XX/XX/XXXX. I was ordered by the judge to pay the Plaintiff {$1000.00} along with the court fee of {$140.00} & 8.25 % interest compounded annually. However I have noticed on my credit report that they gave my private information to a debt collection agency Rent Recovery Solutions to collect the debt. Without my permission. I have no knowledge of this company and I have requested on numerous occasions to produce the contract that I have with them. Or any agreement I have given them to use my private information. They have failed to do so. The balance being reported on my credit report is inaccurate with the order of the court that I was ordered to pay this debt. The amount of {$3400.00} is what the debt collector is trying to make me pay. I have been depressed and restless trying to find a way to save all this money to pay this balance being reported because I thought that was the balance I owe. According to 15 USC 1681i reporting an inaccurate balance on a credit report is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CL Holdings LLC
State: CO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I want u to help me make a letter for debt validation and ownership. Copie of original contrac and signature from all partys. Any agreement sent must be with origal creidt and includ terms and agreements that create alleged debt including all addendum and riders. Please send proff of chain of ownership of alleged debt. Original owerner to current owner without any break in chain. 
Include a full accounting history from original creditor and date and amount of each payment leading to first delinquency. Proff u are allowed to collect debt in ca and including 3rd party debt collect bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Haven't received any communication regarding deadlines for loan payments Online portal reports, " our records don't match the information you provided '' when attempting to login

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have filed for an income driven repayment program but I keep getting harassing emails from the loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
XXXX XXXX XX/XX/2023 I did not authorize remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
INCORRECT PERSONAL INFORMATION ON 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 2025-06-01 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
I have sent over twelve emails and called the company five times about this problem and they still won't correct it. For reasons unknown to me, this company is attempting to debit loan payments form my SAVINGS account, not my CHECKING account, so my bank declined the transaction. XXXX keeps telling me to upload a canceled check to verify my bank account, but since the information is correct, their website says " account already verified. '' I can not seem to get them to understand they need to change the account from savings to checking, it's quite simple. I have been charged two returned check fees for {$15.00} each, and as of today, they have reported my account as delinquent. I PAID the payments on time, their ridiculous website and misinformed employees are the problem. I demand they immediately correct their wrong information in regards to my bank account so they debit my CHECKING rather than SAVINGS. Additionally, they need to correct their credit bureau reporting immediately. I did not pay late! This issue is because of their refusal to correct their misinformation, nothing else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
I have sent over twelve emails and called the company five times about this problem and they still won't correct it. For reasons unknown to me, this company is attempting to debit loan payments form my SAVINGS account, not my CHECKING account, so my bank declined the transaction. XXXX keeps telling me to upload a canceled check to verify my bank account, but since the information is correct, their website says " account already verified. '' I can not seem to get them to understand they need to change the account from savings to checking, it's quite simple. I have been charged two returned check fees for {$15.00} each, and as of today, they have reported my account as delinquent. I PAID the payments on time, their ridiculous website and misinformed employees are the problem. I demand they immediately correct their wrong information in regards to my bank account so they debit my CHECKING rather than SAVINGS. Additionally, they need to correct their credit bureau reporting immediately. I did not pay late! This issue is because of their refusal to correct their misinformation, nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent over twelve emails and called the company five times about this problem and they still won't correct it. For reasons unknown to me, this company is attempting to debit loan payments form my SAVINGS account, not my CHECKING account, so my bank declined the transaction. XXXX keeps telling me to upload a canceled check to verify my bank account, but since the information is correct, their website says " account already verified. '' I can not seem to get them to understand they need to change the account from savings to checking, it's quite simple. I have been charged two returned check fees for {$15.00} each, and as of today, they have reported my account as delinquent. I PAID the payments on time, their ridiculous website and misinformed employees are the problem. I demand they immediately correct their wrong information in regards to my bank account so they debit my CHECKING rather than SAVINGS. Additionally, they need to correct their credit bureau reporting immediately. I did not pay late! This issue is because of their refusal to correct their misinformation, nothing else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
I have an auto loan through Bridgecrest XXXX. Although Bridgecrest has scores of negative reviews and complaints from consumers, I have left my loan through them stand. In XXXX, a missed payment was reported to the credit bureaus. I had however not missed said payment. The payment, as per several emails from Bridgecrest, was due by XX/XX/XXXX or Bridgecrest would report it as late. I made said payment on the XXXX as Bridgecrest had said to do in their emails. After reviewing my account on Bridgecrest 's site, I could see my payment WAS made on the XXXX but Bridgecrest dated the payment on XX/XX/XXXX making it late. I contacted Bridgecrest after filing disputes with the credit bureaus. Bridgecrest stated that they would begin a dispute process within the company to go along with the credit report disputes I had already filed, as well as making sure to mention to me that I had requested a payoff amount on their website earlier in XXXX, which I found an odd thing to tell me at the time. On XX/XX/XXXX of XXXX  the late payment was removed from my credit reports. On XX/XX/XXXX I made another regular monthly payment to Bridgecrest on my loan. On XX/XX/year> Bridgecrest reported yet another 30 day late payment for XXXX, as well as illegally re-adding a 30 day late payment for XXXX. One again I have had to file disputes with the credit bureaus due to the illegal actions of Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX ( Account # : XXXX ) that remain uncorrected despite formal disputes. I submitted a payoff letter from XXXX XXXX XXXX XXXX confirming that the debt was resolved on XX/XX/year>, and no further collection would occur. TransUnion deleted this account using the same documentation. XXXX failure to remove the account shows clear non-compliance with FCRA standards and has caused significant harm to my credit profile. 

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. Equifax responded to my dispute with generic updates and stated that the item was verified, without addressing the actual documents I submitted. This includes my ID, proof of address, and a payoff letter from the authorized collection agency. Equifax appears to have relied on automated systems like XXXX, which fail to meet legal requirements for a complete and fair reinvestigation. 

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX did not report the updated status of the resolved account properly. Equifax failed to ensure that the information they publish reflects this resolution, resulting in continued harm to my financial credibility. 

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. In this case, despite receiving written confirmation from the authorized collection agency that the account was resolved, Equifax continues to report the item inaccurately. This misleading and harmful reportingespecially when another credit bureau has corrected the same errorviolates FDCPA protections and reflects negligent handling of consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation