vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
The following inquiries and late payments listed on my Equifax credit report are disputed as inaccurate. Please review the data and provide verification or remove these items if they can not be verified. 

Inquiries : XXXX, XX/XX/year> XXXX, XX/XX/year> Late Payment :XX/XX/XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute to correct inaccuracies in my credit report. Please review the following items and provide me with an updated credit report once the investigation is complete. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$0.00} Late Payments : 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 2025-11-10 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am disputing the following account on my credit report provided by TransUnion. I believe there are discrepancies in my report, and I request that these items be thoroughly investigated and corrected. 

CHARGED OFF Accounts : XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$700.00}

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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/XXXX, my vehicle was repossessed by Wells Fargo Auto. This was only XXXX days after my regular payment due date despite a perfect on-time payment history beforehand. It was listed as abandoned in their system. 

I paid the repossession fee and my loan was reinstated XXXX days later. Since then, I have continued to make payments. Wells Fargo issued multiple release forms throughout XXXX and XXXX authorizing me to recover the vehicle from XXXX XXXX XXXX in XXXX XXXX, KY. 

During multiple calls with Wells Fargo representatives most recently on XX/XX/XXXX, XXXX, and XXXX, XXXX I was told that storage fees had been waived, including a {$6600.00} waiver in XX/XX/XXXX. Based on these statements, I believed Wells Fargo was handling the release directly. However, the repossession company continues to demand {$26000.00} in storage fees and has threatened to file the vehicle as abandoned as of XX/XX/XXXX. 

I relied on Wells Fargos repeated verbal assurances that the matter was being handled. I was not provided written confirmation or documentation of the waivers or releases but trusted the instructions given by Wells Fargo representatives. I also have correspondence with a towing company showing I was ready to retrieve the vehicle once release details were finalized. 

More recently, a Wells Fargo supervisor stated there was no record of the XXXX waiver and claimed Wells Fargo was no longer the lienholder. This directly conflicts with earlier conversations and with the fact that Wells Fargo continues to accept payments on my active loan account. 

This situation has left me making payments on a loan tied to a vehicle thats been held for over a year with no resolution. I am asking the CFPB to require Wells Fargo to ( 1 ) confirm their lienholder status in writing, ( 2 ) verify and honor the XX/XX/XXXX fee waiver, and ( 3 ) coordinate immediate release of my vehicle from the repossession lot.

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 2025-11-10 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: CA

Complaint narrative:
I am submitting this complaint because inaccurate and unverifiable information continues to be reported on my credit reports with the three major credit bureaus ( XXXX, Experian, and XXXX ). Despite my previous efforts to resolve these issues directly with the credit bureaus, the disputed accounts remain. I am requesting the Consumer Financial Protection Bureaus assistance to ensure these items are properly investigated, verified, or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXXXXXX Account # : XXXX Opened XX/XX/XXXX {$16000.00} Charged Off XXXX XXXX XXXXXXXX Account # : XXXX Opened XX/XX/XXXX {$12000.00} Charged Off XXXX XXXX Account # : XXXX Opened XX/XX/XXXX {$3900.00} Charged Off XXXX XXXX Account # : XXXX Opened XX/XX/XXXX {$8600.00} Charged Off XXXXXXXX XXXX XXXX Account # : XXXX Opened XX/XX/XXXX {$17000.00} Charged Off Several of these accounts appear outdated or unverifiable. Some are beyond the XXXX reporting period, and others XXXX have inaccurate dates or balances. I am requesting a full reinvestigation and verification of each account. If any item can not be verified with complete and accurate documentation from the original creditor, it should be deleted from my credit file. 

Disputed Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I received an update on the claim stating its denied due to me having the card in my possession which is false I let them know that as well. I was told on XX/XX/XXXX and XX/XX/XXXX that my claim can not be processed because they cant detect what transaction are actually fraud. Im out of money that I didnt spend because of an employee error. And the claims resolution specialist manager XXXX employee id # XXXX. I did let the manager know I have a police report as well and I was told that has nothing to do with the banking financial stand point and the bank as finished the investigation and nothing can be done I can call the police to do police work not banking work.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has completely failed to respond to my original CFPB complaint and continues to ignore my written hardship communications. Instead of assisting or acknowledging my situation, they reported my account as 30 days late while I was actively trying to resolve the issue and seek help. 

This is retaliatory and unfair. I have been transparent and communicative about my financial hardship, yet the bank has chosen to remain silent, add late fees, and harm my credit. Their lack of response to both the CFPB and my direct communications shows bad faith and a disregard for federal consumer protection standards.

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
On XX/XX/year>, I initiated a {$1700.00} XXXX withdrawal through the XXXX wallet app, using their built-in MoneyGram XXXXXXXX XXXXXXXX. The transaction reference number is XXXX and transaction ID XXXX. 

The withdrawal has remained in Processing by XXXX status since that date over a month with no cash payout, no refund, and no direct update from either XXXX or MoneyGram. My wallet remains active and fully funded ; this is not a blockchain or minimum-balance issue. 

I contacted both companies multiple times. XXXX blames MoneyGram, and MoneyGram blames XXXX, while my funds are effectively frozen in limbo. On XXXX XX/XX/year>, XXXX even responded with an irrelevant automated message about minimum XXXX balance, confirming that no human has reviewed my case. 

The service was advertised as a legitimate, near-instant crypto-to-cash withdrawal. I never received the funds or any concrete information about where they went. Both companies have failed to provide ( 1 ) a MoneyGram control number for pickup, ( 2 ) a transaction reversal, or ( 3 ) any escalation contact.

I am now filing this complaint under failure to complete a promised transfer, potential consumer fraud, and withholding of funds.

Im requesting the CFPB to investigate this partnership and compel XXXX and MoneyGram to either ( a ) complete the original {$1600.00} USD payout or ( b ) refund my {$1700.00} XXXX back to my XXXX  wallet immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is continuing to report a collection account that has been sold or transferred to another company, resulting in inaccurate and misleading reporting on my XXXX credit report. 

This same account is now being reported under the name XXXX XXXX XXXX, which confirms that XXXX XXXX XXXX XXXX no longer owns or services this debt. Despite this, XXXX XXXX XXXX continues to report the account as active to XXXX. This creates duplicate and inaccurate reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

The account does not appear on my XXXX or XXXX reports, further showing that the data being furnished to XXXX  is unverified and unreliable. I have no active business relationship or balance owed to XXXX XXXX XXXX XXXX. 

I am requesting that the CFPB compel XXXX XXXX XXXX XXXX and XXXX to permanently delete this account and provide written confirmation of deletion and suppression to ensure it can not reappear under any name, including XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to XXXX XXXX, XXXX under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The letter requested verification and validation of a debt allegedly reported on my credit file. On XX/XX/year>, I received a response from XXXX XXXX stating they were unable to identify the account and asking me to send back the same letter with additional information. 

The problem is that they had already reported a negative tradeline to the credit bureaus without properly validating the debt when initially requested. Despite asking for the name of the original creditor, the amount owed, and documentation to support the debt, they failed to provide any of this information. Their reporting continues to damage my credit while I wait for proper documentation that may not exist.

I am requesting the Consumer Financial Protection Bureau to investigate this issue, as I believe XXXX XXXX XXXX XXXX is in violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ) by furnishing unverifiable information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: 1803 Capital, LLC
State: CA

Complaint narrative:
In XXXX, I financed a vehicle through 1803 Capital. The vehicle was later repossessed without any prior Notice of Default or Right to Cure, which is required under state consumer protection laws. After the repossession, I did not receive a Notice of Sale or Deficiency Balance Notice as required under UCC 9-611 and 9-614.

Since then, 1803 Capital has continued reporting a derogatory balance to the credit bureaus. I have repeatedly disputed this reporting because the company has not provided any documentation verifying the account. Specifically, I have never received a copy of the Retail Installment Contract, billing statements, payment history, or repossession-related notices. 

I submitted multiple complaints and disputes between XXXX and XXXX, yet the company continues to verify the same inaccurate information without producing evidence. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to ensure accuracy and maintain verifiable records, and 15 U.S.C. 1681c-2, which mandates removal of unverifiable data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am disputing the following charged-off accounts with Equifax. The reported information is inaccurate, and I am requesting that these accounts be corrected or removed. 

Charge Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XXXX Investment Retrievers XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by Investment Retrievers. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe are inaccurate. I kindly request that TransUnion investigate these discrepancies and update my credit report as appropriate. 

Disputed Accounts : Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$15000.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-11-10 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:
The disputed item inaccurately represents my financial history. I ask that you review and amend my account to ensure all details are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In the XXXX XXXX XXXX  after experiencing an unexpected job loss earlier in the year, I began falling behind on my financial obligations. In an effort to minimize the negative impact on my otherwise spotless credit, I contacted the creditor, explained the circumstances, and was offered to be enrolled in a payment arrangement. I accepted. 

The terms of my new payment arrangement, dated XX/XX/year>, have been satisfied on time and as agreed every month since. Much to my surprise, however, all three credit bureaus report a past-due account status for the months of XXXX, XXXX, XXXX, and XX/XX/year>. 

After submitting a formal credit reporting dispute with the creditor, writing the creditor with a request for a goodwill adjustment, and submitting disputes with all three credit bureaus, the creditor continues to claim that the information reported is correct, even though I have provided proof of on time payments for each of the months in question. My credit reports should only show XXXX past-due months before the payment arrangement was executed, but instead continues to show XXXX on this account. 

I have already been declined for requests for new credit with other lenders for the purposes of starting a business, and I will get needlessly unfavorable terms from lenders when it comes time to purchase my first home next year without these inaccurate past-due statuses being corrected with all three credit bureaus.

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