vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i got a letter that my account will be closed i went to the bank to take out my money and when i came there they told me that my funds or frozen with no reason i spoke to a guy XXXX on the phone he told me i don't care if you don't have to survive i don't have bread on my table bank dint care

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 2025-11-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
DOB and SSN was involved in XXXX leaked, received XXXX data breach letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
XXXX XXXX account XXXX XXXX  XXXX I am writing to dispute the accuracy and validity of a repossession account that appears on my credit report. The account information being reported is inaccurate, incomplete, and unverifiable, and therefore violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. According to the Uniform Commercial Code ( UCC 9-611 to 9-614 ), when a vehicle is repossessed and sold, the creditor is required to send the borrower a written accounting that shows : 1. The sale price of the vehicle ; 2. How the sale proceeds were applied to the loan balance ; and 3. How any remaining deficiency balance was calculated. To date, I have not received any such documentation from the creditor or their agent. Without that information, the amount being reported as a deficiency is unsupported and unverifiable. Under the FCRA, specifically : 607 ( b ) consumer reporting agencies must ensure that all reported information is accurate and verifiable ; 611 ( a ) ( 1 ) I have the right to dispute any information I believe is inaccurate or incomplete ; 623 ( a ) ( 1 ) ( A ) data furnishers ( creditors ) are prohibited from reporting information they know or should know is inaccurate. Because the creditor has failed to provide the legally required accounting, they can not substantiate the accuracy of the balance or the legitimacy of the repossession report. Therefore, this account must be immediately deleted from my credit report or corrected to comply with federal law. I am requesting that you : 1. Conduct a reasonable investigation as required under FCRA 611 ( a ) ; 2. Require the furnisher to provide verified documentation proving the accuracy of the reported balance ; and 3. Delete the account from my credit file if no proof is produced within the statutory 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Upon thoroughly reviewing my credit report, I have identified late payment entries that are inaccurate and unjustified. Despite my repeated efforts to resolve this matter directly with the creditor, they have failed to respond or correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday XX/XX/XXXX, I filed my deposit online for my monthly check from my client, to deposit it into my business account at Wells Fargo. The funds were to be deposited on Tuesday XX/XX/XXXX. The early morning of Monday XX/XX/XXXX, I received notification that Wells Fargo is placing the transaction on hold for review. I called later that day to inquire about the hold with WF ( Wells Fargo ), they report that is due to inconsistencies with my signature, that has been my standard since I began banking with them in the early XXXX XXXX. The report that they are holding the deposit until XX/XX/XXXX when they will make a decision. I requested that WF cancel the deposit, so that I may resolve the issue sooner. WF claimed that I must contact the issuer and have their bank cancel the check. I contacted the issuer that day ( XX/XX/XXXX ), and they contacted their bank ( XXXX ), which claims that WF has already withdrawn the funds. I contacted WF again in regard to this new information, which they claim that I need the issuer to cancel the check, and that WF has not withdrawn the funds. I have contacted WF every day since, to attempt to resolve this issue. Currently I am overdrawn, and have bills on auto- pay that are now being denied due to this issue, with late fees piling up. Soon I may lose my phone and internet, and only have enough cash to get to work, but not enough for food the week that I will be there. I want this issue resolved ASAP, however WF refuses to budge and continues to sit on the funds.

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 2025-11-13 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: CA

Complaint narrative:
I am writing to dispute the following items on my TransUnion credit report, which are inaccurate or unverifiable. I request that these items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account : Creditor : XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that these items be verified, and if verification can not be provided, that they be removed 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a formal complaint against Bank of America for repeated, unjustified, and harmful extended Regulation CC deposit holds on payroll checks and, most recently, on a hardship loan check issued by my XXXX XXXX. 

Since XXXX, Bank of America has repeatedly placed 78 day holds on checks from XXXX XXXX ( a major payroll processor whose checks are drawn on BoA accounts ) and now on a {$3000.00} union hardship loan check. These holds occur inconsistently, without legitimate risk, and often without any hold notices archived in my online documents portal. 

Branch employees often had to cash and deposit my payroll checks at the counter to bypass improper holds. Mobile deposits remain unusable because endorsed checks can not be rescinded once the hold is applied. 

This has caused overdrafts, returned bill payments, financial harm, work-related harm, and ongoing stress. Bank representatives repeatedly refused escalation, stating they can not release holds for any reason. 

My current hold ( XXXX XXXX XXXX ) is on a union hardship loan issued to address immediate expenses during a wildfire-related disaster period. Bank of America claims information indicates the check may be returned, which is false and boilerplate. 

I request investigation, immediate release of the held funds, fee refunds, correction of their deposit-hold risk scoring, and an explanation of why notice requirements were violated. Attachments include receipts, pay stubs, hold notices, overdraft notices, and the hardship loan documentation. 

Bank-provided case 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 2025-11-13 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:
To Whom It May Concern, I am filing this complaint because the credit reporting agency has refused to properly investigate multiple inaccurate and unverified items on my credit report. These errors are severely harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 611, and 623.

Despite disputing these items directly with the credit bureau, they failed to correct or remove the false information. I am requesting CFPB intervention to ensure proper reinvestigation and correction. 
Below is a full list of inaccuracies : Accounts Reporting Inaccurate Late Payments XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX This account has been consistently paid on time. The reported late payment is incorrect and must be corrected to show Paid as Agreed. 
XXXX XXXX XXXX XXXX  High Balance : {$10000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Please delete it if it can not be verified with signed documentation. 
XXXX XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX This charge-off does not belong to me and appears to be a case of mistaken identity or reporting error. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$8500.00} Date Opened : XX/XX/XXXX I do not recognize this account. Please remove it from my report if proper verification can not be produced. 
XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$8800.00} Date Opened : XX/XX/XXXX This account was never opened by me and is being falsely reported as charged off. I request deletion. 
XXXX XXXX XXXX XXXX High Balance : {$7900.00} Date Opened : XX/XX/XXXX This collection account is not mine. Please remove it if you can not verify it directly with my signature or account documentation. 
Unauthorized or Suspicious Hard Inquiries XXXX XXXX XX/XX/XXXX I did not apply for any credit or loan with XXXX XXXX. This inquiry is unauthorized and must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX I never gave consent for this credit inquiry. Please remove it immediately. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Force the credit bureau to conduct a lawful reinvestigation.

2. Require deletion of any item they can not fully verify with proper documentation.

3. Ensure correction of false late payments, unauthorized inquiries, and wrong addresses.

4. Provide me with written, updated results. 
These errors are harming my financial stability, preventing me from obtaining credit, and violating my consumer rights. 
Thank you for your assistance and immediate attention.

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 2025-11-13 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I received an email from Credit Acceptance from an employee named XXXX XXXX stating they attempted to reach me by phone and requesting that I call them. 

I am adding this to my complaint because I do not wish to handle this matter by telephone. All communication must remain in writing through the CFPB portal, as required by FCRA 623 ( a ) ( 3 ) and CFPB complaint response rules, which require a written explanation of the furnishers position.

I am requesting that Credit Acceptance respond in writing with : 1. The documentation they used to certify a permissible purpose for the hard inquiry ; 2. The signed application or authorization they claim to have ; 3. Proof of any account relationship they allege exists ; and 4. A complete explanation of how they verified the disputed information.

A phone call does not satisfy their legal reinvestigation duties under FCRA 611 ( a ) or 623 ( b ).

I request that the CFPB require Credit Acceptance to provide their verification documents in writing only, and if they can not validate the inquiry or account, I request immediate deletion of the hard inquiry from my credit file.

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 2025-11-13 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:
I called Experian about many inquiries on my credit report. I hadn't inquired about any new credit cards, loans, etc. They removed a lot of inquiries, but refused to delete one which is XXXX XXXX  XXXX XXXX XXXX They told me it's tied to a credit account on my credit report and I told them it wasn't, that this was a fraudulent inquiry. They said they wouldn't remove it. I explained to them that someone has been attacking all my cards and trying to open up different accounts under my name. They said they still couldn't remove it.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX a payment was made for property taxes above the annual amount they did this twice.this mortgage company has not been able to find the funds which has depleted my escrow account and now has raised my mortgage XXXX for XXXX. Last year I paid an additional XXXX to make up the deficit in escrow. 
I have had the run around from PHH mortgage since XX/XX/XXXX when I first realized the problem I have made multiple calls to them for resolution and each time given the run around politely and thanking me for my patience I am currently working with someone from their escalation team but continue to get the run around and promised follow up which they have not provided

Company response to consumer: Closed with explanation