vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX/DOFED XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  created an incorrect negative balance on my account by issuing an unsolicited XXXX-covered advance for a purchase even though my available balance at the time of the transaction was sufficient. 

I did not request any type of advance or credit extension. 
The transaction should have been deducted from my available balance. Instead, XXXX  fronted the money without my authorization, withdrew the same amount later through an internal adjustment, and marked the difference as a negative balance that I owe. 

XXXX  support refuses to reverse this balance and will not escalate the issue to the departments that handle processing errors ( Transaction Integrity Team, Payments Compliance, or Risk Operations ). 

They are repeatedly sending scripted responses stating they can not reverse the charge, even though this is not a merchant dispute or user error it is a processing and authorization error on XXXX  end.

I am requesting : 1. A review of the authorization timestamp and the available balance XXXX  registered at the moment of purchase.

2. The authorization and settlement IDs.

3. An explanation of why XXXX  issued a credit/advance without my request.

4. Correction of the negative balance created by XXXX  internal misprocessing.

I am asking the CFPB to require XXXX  to properly review and correct this unauthorized credit extension and the resulting incorrect negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( s ) and Date ( s ) of Inquiry : Unauthorized Inquiry XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. 

I expect immediate compliance in removing these unauthorized inquiries from my Experian credit file and confirmation in writing that all fraudulent inquiries have been blocked.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The year of my XXXX XXXX is listed wrong on my registration. It is listed as a XXXX and it is a XXXX. I never noticed this until I went to refinance my vehicle and the new lender noticed it so I called my lender Bridgecrest and informed them they told me it would take XXXX to XXXX weeks now I have to make another car payment at the high rate because of their error which is not fair. I asked if they could expedite it and they said they couldnt so I want to report Bridgecrest because this is unfair to me. I have paid every payment on time for the last year at the high interest rate and now I asked for them to expedite it being a good loyal customer making payments on time every month for the last year And mind you this was their error not mine. They reported it wrong to the DMV now I have to go through this big process which is slowing my refinance down for the holidays so I would like to report Bridgecrest and not honoring me as a loyal customer and making my payments on time every month for the last year. TOTALLY UNFAIR FIR BEING A LOYAL CUSTOMER MAKING PAYMENTS EVERY MONTH ON TIME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am requesting a goodwill adjustment for my federal student loan account XXXX. My loan was split into XXXX small segments, and a single late payment was reported on each one. This makes it appear as though I had XXXX delinquencies, overstating the severity of my account history and unfairly affecting my credit score. 

I promptly entered forbearance on XX/XX/2025, bringing my account current, and have maintained all payments on time since then. These reported late payments do not accurately reflect my responsible repayment behavior. 

The presence of these late marks has a real impact on my ability to secure housing, loans, and other financial opportunities. I respectfully request that these late payments be removed or consolidated as a gesture of goodwill, so my credit history reflects the reality of my single late payment and responsible management of my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with EQUIFAX XXXX  XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. EQUIFAX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I attempted to contact the company regardingCredit collection Services, in the amount of {$350.00}. 
This looks as if it was open in XX/XX/year>. I have no knowledge of this account. I requested via all three credit bureaus to show proof that the debt is mine or be deleted from my credit report. Per the credit bureaus, the debt was verified, but no proof was given. This remains on my credit report and I demand for it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am disputing the accuracy and completeness of a charge-off being reported by Wells Fargo Card Services for XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX with a charged-off balance of {$3600.00}. The account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet Wells Fargo continues reporting it as a charge-off despite multiple disputes. 

Wells Fargo has not provided any documentation demonstrating that the reported balance is accurate, how the amount was calculated, or whether proper accounting procedures were followed before designating the account as a charge-off. I was never supplied : A full itemized breakdown of the {$3600.00} charge-off balance The original credit agreement Payment history records supporting delinquency Notice of default or right to cure Validation of the debt Documentation of any reinvestigation under FCRA 1681i Proof that the charge-off was reported in compliance with FCRA and ECOA requirements Despite disputes, Wells Fargo continues furnishing the same information without meaningful review, which violates : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681s-2 ( b ) ( duties of furnishers after a dispute ) FDCPA principles applied when collecting or furnishing negative information A charge-off must be supported by complete, accurate, and verifiable records. Wells Fargo has not provided this, and the current reporting is incomplete, inconsistent, and causing ongoing harm.

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 2025-11-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/2025

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Issue : Incorrect Information on Credit Report / Furnisher Not Responding Complaint : I am filing this complaint regarding a Wells Fargo credit card account that appears on my Experian credit report : Account Name : XXXX XXXX  Account Type : Charge Card Original Balance : {$4500.00} Date Opened : XX/XX/XXXX Status : Charge-off / Never Late Experian On Record Until : XX/XX/XXXX ( scheduled to fall off next month ) This account has already been removed by TransUnion and Equifax, but Experian is XXXX reporting it. There have been no updates since XXXX, and the account is clearly obsolete. 

I contacted Wells Fargo and requested a goodwill early deletion, especially since the account is due to fall off next month anyway. This request was not addressed, and the item continues to report only on Experian. 

I believe the inconsistent reporting across bureaus is unfair and is negatively impacting my borrowing ability, especially for business financing.

I am not disputing Wells Fargos records. I am simply requesting that Wells Fargo submit an early removal request to Experian to align all three bureaus, given that this tradeline is within weeks of natural expiration.

I am asking the CFPB to review this matter and ensure Wells Fargo responds appropriately. 

Thank you. 

Requested Resolution : XXXX early deletion or removal of this obsolete tradeline from 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am the court-affirmed XXXX of Attorney for XXXX XXXX XXXX 

XXXX XXXX and XXXX XXXX were redirected by an unauthorized person ( XXXX XXXX XXXX XXXX revoked documents while XXXX was XXXX a XXXX restraining order ( Case XXXX ). 

Wells Fargo accepted unauthorized changes, treated the impersonator as an authorized representative, refused to freeze fraudulent activity, and told me the issue was a civil matter even after I provided the Superior Courts XX/XX/XXXX and XXXX, XXXX orders affirming my POA and rejecting XXXX claims. 

Wells Fargo is operating on a representative-payee account XXXX opened XXXX impersonating a guardian. The bank has been informed that : XXXX is an adverse litigant against XXXX in XXXX probate cases He has no conservatorship He violated a XXXX  while seizing XXXX XXXX and XXXX both rejected XXXX XXXX Wells Fargo continues to rely on documents from a person under court restraint, refuses to report elder financial abuse, and refuses to freeze the account. This has enabled ongoing diversion of XXXX XXXX payments, XXXX XXXX XXXX and XXXX data XXXX 

I am requesting CFPB intervention because the bank is allowing an abuser to control XXXX benefits and refusing to comply with legal authority and mandatory reporting 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