vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to formally and aggressively dispute the voluntary repossession of my vehicle associated with the account referenced above. I demand an immediate and thorough review of the entire repossession process, as well as all documentation regarding the handling of my account. 

In XX/XX/2024, I called to voluntarily surrender the vehicle due to financial hardship, but I believe the handling of this account is both improper and potentially unlawful. The vehicle was not picked up until XX/XX/2024 where I was charged XXXX  months of late payments attached to my credit report. Based on my review of the records, I have identified several serious issues that need to be addressed immediately : Incorrect charges and fees The balance you claim I owe is inflated with unreasonable fees and penalties that were never clearly explained or justified. I demand a full breakdown of each charge and the exact calculation of the remaining balance. I was told that the vehicle would be sold at value, not for half of the value. 

Improper reporting to credit bureaus If this repossession has negatively impacted my credit report, it has been inaccurately reported. I will not tolerate inaccurate credit reporting and demand immediate correction if this is the case. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws, I am requesting the following : A detailed breakdown of all charges, including repossession fees, storage fees, and any other costs. 

Proof that I was adequately notified of the repossession, including any and all correspondence sent to me. 

Documentation of the vehicles condition upon repossession and evidence of its fair market value at the time of sale. 

Confirmation of the name and contact details of the third-party repossession agency. 

I am giving you XXXX  days to provide the requested documentation and correct any errors. Failure to comply within this timeframe will force me to escalate this matter. 

I expect a full resolution to this issue, or I will be forced to take every legal step available to protect my rights and rectify this situation. 

I trust that you will handle this promptly, but do not mistake my patience for tolerance. Your swift and accurate response is not just expectedit is required.

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 2025-08-27 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: CA

Complaint narrative:
I am formally disputing a late payment that has been incorrectly reported on my account. My records clearly demonstrate that all payments were made on time, making the current entry inaccurate. The continued presence of this false information is misleading and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the discriminatory treatment I have received as a holder of a Sunbit credit card, specifically XXXX 's. Despite complying with all of Sunbit 's verification protocols; including repeatedly submitting a selfie holding my drivers license, proof of address, and other requested identity documents, my account continues to face unjustifiable restrictions. Each time I attempt to make a legitimate purchase, the transaction is denied, and the account is subsequently re-restricted without valid cause or due process. 

Sunbit 's team initially stated that the situation would improve once I received a physical card. That has not been the case. On the contrary, the level of scrutiny and interference has escalated. Without any full explanation or proof of wrongdoing, it appears that my account is the target of extraordinary monitoring and unjust suspicion. 

XXXX representative noted that I removed the card and added it to the same merchant. That shouldn't be a question, as I have done this with other banks, especially those who offer virtual cards. I only deleted the virtual card and added the physical card with the updated expiration date. The virtual card number is set to expire in XX/XX/2025 and will cause a disruption to my XXXX XXXX upon renewal of monthly subscriptions had I kept the virtual card with the XXXX expiration. 

I am deeply concerned that I am being profiled and targeted due to my race, color and background. The repeated denials, excessive verifications, and continuous suspicion surrounding routine purchases strongly suggest racial bias in Sunbit 's fraud detection or customer account monitoring systems. There is no other reasonable explanation for why my account has been treated in this manner after exhaustive compliance on my part. I feel that I am being discriminated against because I have another friend of a different race and background who has the same card but has not been subjected to any unnecessary and extra account scrutiny. This experience has been not only frustrating and humiliating but also disruptive. 

Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : EVXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX BAN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ONEMAIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: OK

Complaint narrative:
This in reference to the first claim I filed with XXXX XXXX service. They email me with a letter state they will no longer pursue and I owe XXXX amount any its paid in full and I need not to pursue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I did not authorize, open, or engage with this account. Its presence is false and unfairly harming my credit profile.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I am filing this complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a formal dispute letter to Equifax, enclosing copies of my photo ID, Social Security card, and a recent bill with my current address to verify my identity. In my letter, I explicitly requested detailed information regarding Equifaxs reinvestigation process, including : - The method used to verify the disputed item - The date Equifax contacted the creditor or data furnisher - The name and contact information of the creditor/furnisher - The name of the individual who conducted the verification - The communication method used ( e.g., phone, email, mail ) - Confirmation of whether any personally identifiable information ( such as my SSN, address, or date of birth ) was exchanged during the verification process.

Under Section 611 of the FCRA, Equifax is required to complete a reasonable reinvestigation and provide the results within 30 days of receiving a consumers dispute. More than 30 days have now passed, yet I have received no acknowledgment, no results, and no communication of any kind from Equifax.

This failure to respond is not only a clear violation of the FCRA but also part of a broader pattern of neglect by Equifax in handling consumer disputes. By ignoring its legal duties, Equifax has allowed inaccurate information to remain on my credit file, directly harming my creditworthiness, financial opportunities, and peace of mind. This type of systemic noncompliance demonstrates Equifaxs disregard for consumer rights and exposes them to liability under federal law. Attached is a copy of my original dispute letter sent to Equifax to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
* XXXX XXXX * * XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XX/XX/year> Credit Collection Services XXXX : Cease and Desist Request Account Balance {$410.00} Dear Credit Collection Services, I am writing to formally request that you cease all communication regarding the debt you claim I owe in the amount of {$410.00}. My name is XXXX XXXX, and my address is listed above. 

According to the Fair Debt Collection Practices Act, I have the right to request that you stop all contact with me regarding this alleged debt. Consequently, I request you to cease all further communication with me. Any attempt to collect this debt must also be communicated in writing, as required by law. 

Additionally, I request an immediate investigation into the validity of this debt, along with its removal from my credit report. I believe this debt is either inaccurate or has been reported incorrectly, and I am entitled to have any erroneous information removed from my credit file in accordance with the Fair Credit Reporting Act. 

Please respond in writing to confirm that you will cease collection efforts and that the account will be reviewed for possible removal from my credit report. 

Thank you for your attention to this matter. You may contact me through the email provided above for any further communications regarding this request. 

Sincerely, XXXX 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 2025-08-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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