vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received a voicemail from XXXX XXXX ( XXXX ) XXXX stating that she was calling in regards to my claim number XXXX XXXX. She stated that she had been instructed to make contact with my place of business and that I had the right to make contact with the office that is filing my claim at XXXX. I called this number and spoke with someone by the name of XXXX at XXXX. She stated that this was regarding 2 claims by Acima, from a company named XXXX XXXX. The debt is about XXXX XXXX XXXX. The rep stated that I would be sued if I did not pay {$3700.00}. I asked the representative to please send this in writing, and agreed to work out a payment plan, with putting down {$250.00} repayment today. XXXX said that she could not provide any information, that the payments would come out of my account, and would have a confirmation number. I would be provided with the completion of the repayment after the debt was paid. I would like to have a record of this, and how can I just provide payment without any documentation or record of such? It was a very pushy and aggressive call, stating that if I did not provide payment and give my direct deposit information by today, litigation would proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Issue : Unlawful extended hold on deposited check causing eviction notice, late fees, and lost business income. 

I deposited a local {$2000.00} check on XX/XX/year>XXXX  at PNC Bank. PNC placed what they called a delayed funds hold and told me my funds would not be available until XX/XX/year>. 

This is not a valid Regulation CC exception, and PNC would not provide any explanation for why my funds were being held. They also told me a written notice was mailed, but I still have not received it. 

Because PNC refused to release my funds, I suffered the following financial harm : I received an eviction notice I was charged late rent fees I missed a business opportunity worth {$500.00} {$1000.00} PNC did not provide a proper written hold notice as required under Regulation CC, did not explain the reason for the extended hold, and did not justify holding a local {$2000.00} check for seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing 7 specific accounts on my credit report for over a year and TRANSUNION has not removed these inaccurate accounts off my credit report. I have my most recent credit report along with litigation paperwork against XXXX XXXX ( one of the accounts in dispute. ) I have also previously requested the investigation method used for what i believe TRANSUNION did not reasonably investigate into accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION has violated many laws and I have obtained an attorney on retainer to pursue legal action against them for violations of the FCRA- especially for violating : 15 USC 1681i, 15 USC 1681e ( b ), and 15 USC 1692g

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 EXPERIAN TRANSUNION 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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Re : Request for Pay-for-Delete goodwill deletion Account Number : [ XXXX XXXX To Whom It May Concern, I am writing regarding the above-referenced account. I am willing to pay the settlement, offered of {$550.00} before XX/XX/year> as a settlement of this account under the condition that your company agrees to delete all credit reporting related to this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) .This offer is not an admission of liability and is made for the sole purpose of resolving this matter quickly. 
Unfortunately, due to financial hardship, I fell behind on the Account in which I do greatly apologize for. Prior to my financial hardship I made on time payments. 
If you agree to these terms, please provide a signed written agreement on your company letterhead stating that the account will be deleted from all credit bureaus within 30 days of receiving payment. Or you all can simply provide confirmation in this CFPB response. 
No payment will be made until I receive your written confirmation. I spoke to the Credit bureaus and XXXX XXXX customer service and verified that you are eligible to send a trade deletion request, in which they will complete once the request is received. I look forward to hearing from you all soon with confirmation of this agreement so that I can remit payment ASAP. 

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 2025-12-09 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the accounts listed below. These accounts are inaccurately reported on my credit report, and I respectfully request that they be reviewed and corrected to reflect accurate information. If any of the information can not be verified, I request that these items be removed in accordance with the Fair Credit Reporting Act. Please ensure that the necessary updates are made to the records. 

Charged Off Accounts XXXX  XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$39.00} ) XXXX  XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$61.00} ) XXXX  XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$60.00} ) XXXX XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$470.00} ) Inquiries XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Late Payment XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX ( Account Number : 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a consumer attempting to resolve issues on my credit report. Please review the following disputed accounts and correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request their removal from my credit report. 

Charged Off Accounts : XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

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 : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX. Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$870.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$830.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXX, Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WV

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer trying to correct inaccuracies on my credit report. The following accounts are in dispute. I request your immediate investigation of these items, as they appear to be inaccurate or incomplete. Please investigate each item and provide a resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF EQUIFAX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES EQUIFAX XXXX Date : XX/XX/XXXX LATE PAYMENT EQUIFAX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am the primary borrower and the consumer whose credit report is being harmed by Shellpoint/NewRez . They wrongfully closed my prior complaints claiming an unauthorized third party, which is untrue. I am requesting CFPB reopen and properly investigate CFPB Complaints # XXXX and # XXXX. 

Shellpoint/NewRez refused multiple timely payment attempts while my loan was under review for modification throughout XXXX. They delayed and mishandled the modification process and never provided a signed agreement. They created delinquency through their own servicing failures, then furnished it to the bureaus as if I refused to pay. 

In XX/XX/year>, the loan was fully paid off via a refinance with XXXX XXXX XXXX Shellpoint/NewRez accepted payoff funds, confirming closure of the loan. Despite this, they are still reporting the mortgage as active and 120+ days delinquent. That is inaccurate, harmful, and violates : FCRA 1681s-2 ( a ) Furnishing accurate information FCRA 1681s-2 ( b ) Duty to reinvestigate upon dispute RESPA 1024.38 Servicer duty to prevent borrower harm Their false reporting is stopping me from successfully refinancing with XXXX XXXX XXXX  and preventing additional financing opportunities needed for my business. I am suffering real, ongoing financial damage due to their noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am a customer of Wells Fargo Bank N.A. I have been with them for over XXXX yrs. I have a family member who lives overseas - In XXXX, to be specific- My family member needed to send me some funds, and I provided the information requested. Bank name, my name, my address, routing, and acct #. However, despite my doing due diligence by calling customer service and stopping by a branch. The transfer was never delivered. It was missing the XXXX code. 
The answer was : have the sender do a trace to see where the message is, as WF didn't receive it. It took me 4 months to get the money back to the sender 's account.

We tried it again -- I called customer service/ stopped by 2 branches, and I was told, " Do you have the app? '' Log onto the app, then go to your checking account, on the top right corner, view balance and routing #. Which I did. I took a screenshot and sent it to the sender. Hoping this time I would have the funds delivered in a week. Boy, was I wrong. 

The information displayed has Account #, Routing #/- Direct Deposit & Electronic Payments, Domestic wire Transfers, and International Wire Transfers. 
Following normal logic-My sender used the information on the screenshot -- being Acct #, Direct Deposit & Electronic Payments , and International Wire Transfers [ XXXX XXXX ]. 
But then again, the wire never came through. So I reached out to WF Customer Service and stopped at 2 locations. They verified. Then the banker suggested I ask for a mgr and here is when I was told that I NEEDED TO USE THE DOMESTIC WIRE TRANSFER INSTEAD OF THE DIRECT DEPOSIT AND ELECTRONIC PAYMENTS. 

I was furious! I was getting mixed information from all the different individuals I had reached out to for guidance. I even said to the manager. This is known to you because you work there, but it makes no sense to someone who is foreign to the financial world.

So here I am - tracing the money again, wasting 4 months to get the funds back into my family member 's account. And here is the kick -- WF won't move a finger to help you but they will go full force after your money and will charge you every time you have to do business with them. 

This is what I know -- once we have confirmation funds are back, I'm closing my accounts with WF, as the poor training and resources they give their employees is appalling, and it's not the employees ' fault. This is the result of greed and poor management.

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