vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
on XXXXXXXX XXXX XXXX i sent Equifax a dispute for identity theft and a request to block all activity from the creditors and not allow them to access my credit report. On XXXX XXXX Equifax allowed XXXX XXXX XXXX XXXX AND XXXX XXXX to acess my credit file and update accounts that i have filed as identity theft. On XX/XX/year>XXXX  i also filed a complaint with the CFPB and attached all relevant documents to dispute to ensure it is delivered to EQUIFAX. EQUIFAX has still NOT REMOVED THE ITEMS FROM MY CREDIT FILE and is allowing the creditors to access my credit file without my written or verbal consent even after sending in information 2 times to have those creditors blocked and deleted from my credit history. This is a MAJOR PRIVACY VIOLATION IN ACCORDANCE WITH FCRA. I HAVE SENT IN ID THEFT REPORTS AND THESE ACCOUNTS WERE SUPPOSE TO BE OFF MY REPORT WITHIN 5 BUSINESS DAYS. EQUIFAX HAD MY INFORMATION EXPOSED IN THE DATA BREACH AND IS NOW ALLOWING MORE BREACH OF MY PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is so unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to report an unauthorized transaction in the amount of {$5000.00} that was charged to my Wells Fargo account by XXXX. I request an immediate investigation into this charge.

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 2025-11-26 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain numerous, repeated, and conflicting inaccuracies that have caused me significant stress, confusion, and potential harm to my creditworthiness, beginning with multiple XXXX accounts showing balances of {$11000.00}, {$4400.00}, {$2100.00}, {$920.00}, {$1000.00}, {$2500.00}, {$9200.00}, {$1200.00}, {$1100.00}, {$4700.00}, {$5300.00}, {$1000.00}, and {$2300.00}, where Experian and Equifax report these accounts as 90 days late with last activity dates varying between XX/XX/XXXX and XX/XX/XXXX, while TransUnion accurately reports them in good standing, creating a pattern of inconsistent and misleading reporting that misrepresents my actual payment history, and further, my XXXX  account XXXX, with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is not reported in Experian but appears in Equifax and TransUnion, and similarly, my XXXX XXXX account XXXX, also with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is missing entirely from Experian while appearing in Equifax and TransUnion, leaving critical gaps in my credit profile ; these errors violate the Fair Credit Reporting Act ( FCRA ) 611, 623 ( a ) ( 2 ), and 623 ( b ), which mandate the duty to investigate disputed information, correct inaccurate entries, and update all consumer reporting data, and despite my efforts to dispute these errors directly with the credit bureaus and the furnishers, the discrepancies remain uncorrected, leaving my credit history inaccurately portrayed to lenders, potentially affecting my ability to obtain credit or favorable loan terms, and causing ongoing stress and uncertainty regarding my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain numerous, repeated, and conflicting inaccuracies that have caused me significant stress, confusion, and potential harm to my creditworthiness, beginning with multiple XXXX accounts showing balances of {$11000.00}, {$4400.00}, {$2100.00}, {$920.00}, {$1000.00}, {$2500.00}, {$9200.00}, {$1200.00}, {$1100.00}, {$4700.00}, {$5300.00}, {$1000.00}, and {$2300.00}, where Experian and Equifax report these accounts as 90 days late with last activity dates varying between XX/XX/XXXX and XX/XX/XXXX, while TransUnion accurately reports them in good standing, creating a pattern of inconsistent and misleading reporting that misrepresents my actual payment history, and further, my XXXX  account XXXX, with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is not reported in Experian but appears in Equifax and TransUnion, and similarly, my XXXX XXXX account XXXX, also with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is missing entirely from Experian while appearing in Equifax and TransUnion, leaving critical gaps in my credit profile ; these errors violate the Fair Credit Reporting Act ( FCRA ) 611, 623 ( a ) ( 2 ), and 623 ( b ), which mandate the duty to investigate disputed information, correct inaccurate entries, and update all consumer reporting data, and despite my efforts to dispute these errors directly with the credit bureaus and the furnishers, the discrepancies remain uncorrected, leaving my credit history inaccurately portrayed to lenders, potentially affecting my ability to obtain credit or favorable loan terms, and causing ongoing stress and uncertainty regarding my financial standing.

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 2025-11-26 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Harassing and Threatening Communications To whom it may concern : I, XXXX XXXX, am writing to formally demand that Midland Credit Management , Inc. immediately cease and desist from all forms of harassing communication, including but not limited to : Repeated and excessive phone calls Use of threatening, intimidating, or aggressive language during calls Your actions constitute harassment and create undue stress. Such behavior may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits threatening language, repeated calls intended to annoy or abuse, and other forms of coercive communication. 

Effective immediately, you are ordered to stop all phone contact with me. 
If you believe a debt is owed, all future communication must be conducted in writing only and sent to the address listed above. 

You are required to provide written confirmation within 5 days of receiving this notice that Midland Credit Management , Inc. will comply with this demand. Failure to do so may leave me no choice but to pursue further actions, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory agencies.

Nothing in this letter is intended as a waiver of my legal rights, all of which are fully reserved. 

Sincerely, XXXX XXXX Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greenway Mortgage Funding Corp.
State: LA

Complaint narrative:
DENIAL OF FEDERALLY TRACKED MAIL FAILURE TO RESPOND TO CREDIT BUREAUS INFLATING ESCROW KEEPING UNPAID PRINCIPAL DIFFERENTIAL BALANCE WITHOUT OPPORTUNITY TO CURE NON PRODUCTION OF ORIGINAL PROMISSORY NOTE NON PRODUCTION OF CHAIN OF ASSIGNMENT COMING OUT AS DEBT COLLECTOR AFTER A YEAR LOAN STEERING LOAN DISCRIMINATION PREDATORY LENDING AMERICANS WITH DISABILITIES ACT VIOLATIONS FRAUDULENT TRANSFER OF ACCOUNT LAWYER ACTING AS DEBT COLLECTOR VIOLATIONS OF UCC ARTICLES 3 & 9 AND LOUISIANA MORTGAGE LAW NOTICE OF INTENT TO FORECLOSE 49 DAYS EARLY WITHOUT VALIDATING DEBT DOUBLE BILLING ILLEGAL CREDIT REPORTING AFTER NOTICE OF ERROR ETC. ETC. ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted a certified letter requesting termination of contract because of false agreements and breach of their contract and promises made on XX/XX/year>XXXX  to XXXX XXXX in the amount of {$10000.00} with a refund of {$600.00}. Letter was sent to XXXX XXXX XXXX XXXX Legal Department, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX. A dispute was made to Equifax with XXXX with no satisfactory results to resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am the victim of an auto finance fraud, identity theft, and insurance fraud involving a man named XXXX XXXX XXXX also called XXXX XXXX XXXX, who falsely claimed to be the owner of XXXX in XXXX XXXX, CA and BMW Financial Services. 

I did not authorize any person to apply for a BMW lease in my name. 
I never submitted any credit application for the XXXX XXXX XXXX. I never seen lease worksheet. I never spoke with BMW Financial before the account was created. I thought I was signing routine papers to help a dealership get inventory, based on XXXX XXXX false statements. 

I am hearing-impaired and English is not my first language.

No one explained or translated the documents to me. I did not understand that these were binding financial contracts. 

I never received the vehicle. 
I never drove the car, had the keys, never touched or used the car, and never took possession. 
XXXX XXXX himself took the vehicle, and he made all the payments using his own or third-party payment methods. 

The insurance policy was also completely unauthorized : forged signatures fake email and phone numbers payments from XXXX XXXX XXXX XXXX was created under XXXX XXXX ( age XXXX ), who can not drive and never authorized anything he rides a bicycle daily and has limited driving ability After a serious collision involving this BMW, the Law Offices of XXXX XXXX XXXX filed a claim using my name and XXXX XXXX name without authorization. We never hired them, never signed a retainer, and never communicated with them. 

This matter has already been reported to : XXXX XXXX Police Department XXXX XXXX XXXX Investigations Case XXXX The fraudulent BMW lease is now showing on my credit reports and is causing : severe credit damage denial of mortgage refinancing risk of mortgage delinquency on multiple properties financial stress and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Filed a dispute on XX/XX/year>, for a purchase made online on XX/XX/year>. For a 3 bundle deal with each bundle being XXXX XXXX bundles of XXXX XXXX XXXX, costing {$280.00}. After not receiving product or return of funds from merchant, XXXX XXXX. I contacted Navy Federal on XX/XX/year>, regarding claim denial. At this time the customer service representative stated, I never uploaded documentation. At this time she assisted me with uploading documentation, in addition to stating I should file another dispute, which I did. XX/XX/year>, I contacted Navy Federal regarding a status update, at this time the representative stated she did not see the previously uploaded documentation from XX/XX/year>. I requested to speak with a supervisor, were she assisted me uploading more descriptive documentation, a more detailed synopsis on product ordered, as well as requesting to reopen my initial claim and to reapply the provisional credit of {$280.00}. XX/XX/year>, a message was received from bank indicating receipt of all documentation uploaded. From XX/XX/year> until today XX/XX/year>, I have contacted the bank 2-3 times for a status update. The representatives all state they can only inform me the information has been uploaded and will be reviewed. It has been over 2 months since purchase and over a month from last correspondence from dispute team confirming receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am writing regarding the recent notification I received informing me that U.S. Bank has elected to close my deposit accounts effective XX/XX/year>. The notice references U.S. Banks Terms and Conditions but does not provide any specific reason for this action. 

At no time did I receive a request for explanation or clarification regarding any transactions or account activity that the bank may consider questionable. This unilateral action is extremely concerning and unfair, especially given that I have not been given any opportunity to address or correct any perceived issues. 

Several of the affected accounts are used for essential business functions, including gas station operations, multiple ACH vendor relationships, EFT payments, and merchant processing. Sudden termination of these accounts will severely disrupt daily business operations and cause unnecessary and significant financial damage. 

Despite multiple calls to U.S. Bank customer support, no clear justification has been provided only the repeated statement that this action is as per terms and conditions, which is not transparent or acceptable. 

Additionally, I am currently outside of the United States on travel and will not be returning until XX/XX/year>. I can not properly transition banking services or open new accounts while I am abroad. Therefore, the current closure timeline is not feasible. 

Accordingly, I respectfully request the following : Immediate reinstatement of all business and personal accounts, listed below, so that I may continue normal banking operations without disruption. I am willing to fully cooperate and provide any information needed to resolve concerns.

A complete and clearly stated valid reason, in writing, explaining why U.S. Bank decided to close these accounts. 

If the bank chooses to uphold the closure, I request that the closure date be extended to XX/XX/year>, to allow sufficient time for establishing new banking relationships and updating all payment links, vendors, and merchant accounts. 

Recognition of the fact that I am currently out of the country and therefore require additional reasonable time to manage these business-critical transitions. 

Accounts Affected Business / Personal Name Account Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Personal ) XXXX XXXX XXXX XXXX I have maintained a positive relationship with U.S. Bank and prefer to continue doing business with your institution. I ask for prompt review of this matter and a fair resolution to avoid unnecessary harm to both my personal and business operations. 

Please confirm receipt of this letter and provide the next steps as soon as possible. 

Sincerely, XXXX XXXX XXXX Owner / Account Holder

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 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint regarding inaccurate, outdated, and unverifiable information reported across all three major credit bureaus : TransUnion, Experian, and Equifax. My personal identifying information, including my legal name and addresses, is reported incorrectly, causing confusion and potential harm to my credit profile. Multiple charged-off accounts, including Capital XXXX, XXXX XXXX, XXXX, and Arkansas XXXX XXXX contain incorrect balances and potentially obsolete dates of first delinquency, violating the reporting limits under FCRA 605 ( a ) ( 4 ) and the obligation to report accurate information under 623 ( a ) ( 1 ) ( A ). My report also inaccurately lists a repossession from XXXX and XXXX accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and others, which XXXX be inaccurate, unverified, or beyond reporting periods. In addition, multiple hard inquiries from institutions such as Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX Choice, XXXX XXXX XXXX XXXX, XXXX Card, XXXX, and First National appear either unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ). These errors have caused financial stress, prevented access to credit on fair terms, and misrepresent my creditworthiness. I request that each bureau thoroughly reinvestigate all items, remove or correct any unverifiable, inaccurate, or outdated information, and provide verification of all corrections in writing.

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 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint regarding inaccurate, outdated, and unverifiable information reported across all three major credit bureaus : TransUnion, Experian, and Equifax. My personal identifying information, including my legal name and addresses, is reported incorrectly, causing confusion and potential harm to my credit profile. Multiple charged-off accounts, including Capital XXXX, XXXX XXXX, XXXX, and Arkansas XXXX XXXX contain incorrect balances and potentially obsolete dates of first delinquency, violating the reporting limits under FCRA 605 ( a ) ( 4 ) and the obligation to report accurate information under 623 ( a ) ( 1 ) ( A ). My report also inaccurately lists a repossession from XXXX and XXXX accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and others, which XXXX be inaccurate, unverified, or beyond reporting periods. In addition, multiple hard inquiries from institutions such as Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX Choice, XXXX XXXX XXXX XXXX, XXXX Card, XXXX, and First National appear either unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ). These errors have caused financial stress, prevented access to credit on fair terms, and misrepresent my creditworthiness. I request that each bureau thoroughly reinvestigate all items, remove or correct any unverifiable, inaccurate, or outdated information, and provide verification of all corrections in writing.

Company response to consumer: Closed with non-monetary relief