vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
I am submitting this third-round follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX Balance : {$1600.00} Original creditor XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A funeral home reported my social security number as deceased. I went to the XXXX Colorado social security administration field office on XX/XX/XXXX and proved that I was alive. The person there said my information should be corrected on XX/XX/XXXX. Today ALL the credit agencies received information that I was deceased. I have already called my bank and proved that I'm still alive, but this is getting a little overwhelming. I still have a job I need to do during the day.

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 2025-12-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-02 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: NY

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccur
acies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After year 2023, Wells Fargo Bank - issued a noticed via postal mail advising me that an increase occurred on my vehicle loan account. 

This increase was issued in writing, requesting a monthly addition of {$79.00}. Initially, the dealership was advised by me that I could only pay {$480.00}, but no more than {$500.00} a month per my monthly social security salary and only requesting that payment due dates be acceptable every 2nd Wednesday of each month.

Fast forward - Two years later, I'm consistently receiving harassmen
t calls on recorded lines advising it's a debt collector.

The debt being collected is per ; " Wells Fargo Bank, '' contact center which is required to contact consumer 's every 1st day a late fee is assessed - even if payments are made on the " consumer advised '' due date, the call center alerts that I've been assessing fee 's every since 2023 without sufficient notice of an increase or late fees being applied to the account. Also, per the contact center, the {$79.00} increase has never occurred and no notice should've been issued to the consumers advising otherwise. However, an increase was received by mail in the amount of {$79.00} and not a credit, in which the call center is advising only a {$79.00} credit was issued one-time on the account and only applied towards the principal and not the entire account. Also never received documentation by mail advising that Wells Fargo decreased the consumer/dealership agreed upon interest rates, which was reduced by Wells Fargo Bank from 8.9 % to 8.3 % or something to this mentioning however, I as the consumer never received documentation explaining this but the call center is advising me verbally of this information. This bank has continued to harass me, never offering me the option to change due dates online or by phone, only verbally threatening to apply late fees to credit and I've never been late on any payments. As a baby boomer generation, we worked hard, paid our bills and remain in communication regarding hardships. Even if I ever encountered a hardship, still ... My payments aren't ever late! I pay my bills!!!

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue : Bank processing error, incorrect check amount, account hold, and resulting utility fee. 
Description : Bank of America processed one of my personal checks incorrectly.

I wrote a check for {$47.00}, but when it was deposited, a bank teller keyed it as {$4700.00}.

This caused my account to go into a negative balance of more than {$2000.00}, and the bank placed a temporary hold on my account for 23 days while the error was corrected.

During this hold period, I had scheduled payments for my water utility bill. 
Because of the hold created by the banks error, the water payment was returned, and the utility company is now charging me a {$40.00} returned payment fee. 

I contacted Bank of America immediately and was told the error would be documented and that I would receive a letter explaining the situation. 
However, none of my calls were documented, and I never received the promised written statement. 
Now the bank says there is no record of the error or the hold, even though the error clearly happened and the account showed a large negative balance at the time. 

This is a bank processing error that directly caused a financial loss ( the {$40.00} utility fee ) and disrupted essential services. 
I am requesting : 1. A formal investigation into the incorrect check processing 2. Documentation of the hold placed on my account 3. A written explanation from the bank confirming the error 4. Reimbursement of the {$40.00} utility fee that was caused directly by the banks mistake Thank you for your assistance.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc.
State: TX

Complaint narrative:
Went in Cash America to make Extentions. Assistant manager kept taking my receipts only can pay with cash, then on my account say I did not pay 2 months which if fraud and theft on their part. 
Assistant manager lied to me after I made s bigger purchase and Assistant manager yet again took my cash receipt. 
On XX/XX/year> same individual tried to take my cash paid receipt yet again. 
I caught on to this as he's been lying on these transactions and on camera XX/XX/year> is caught yet again taking my cash receipt with a different date. Saying I made a partial payment. 
N date of grace is wrong. 
My XXXX + item was sold and I have proof on making extention and he kept this money or and kept the receipt. 
He was making account up to see how much an item would be. 
Manipulating the system. 
I believe location of this place and my product taken. 
There are too many things that have happened laptop broken cash americash fired all employees and never fixed the situation. 
Again took my XXXX ear rings said I did not pay. 
The transaction on XX/XX/year> shows exactly his manipulation of what this individuals does to keep an item he wants. Yet decieving the customer. 
I have proof of other items extended but he left 1 particular XXXX item out. 
XXXX XXXX location callghan XXXX assistant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX, XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
I've used Square credit card services for 15 years.

First instance was refunding {$750.00} to a customer that had services done with an invoice bearing signature of satisfaction completed. Filed charge back lying that things were not complete. 
Sent invoice with signature and legal agreement and was still charged. 

Recent transaction was this year for {$200.00} When customer doesn't cancel in time we do not fully refund. It was explained and again agreement was authorized before pre payment.

Refund of {$160.00} was given.

Square decided instead of {$38.00} they took an additional {$200.00} from my account.

Even when providing terms and conditions paperwork for any fees this company just withdraws money from your account without any update on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$330.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
Dear XXXX, Im dissatisfied with my credit line agreement with Credit Fresh , a division of XXXX XXXX  XXXX I took out a {$4500.00} loan on XX/XX/year>, to consolidate XXXX loans and improve my credit score for home ownership. 
Ive made XXXX payments since XX/XX/year>, totaling {$1200.00}. However, my balance is {$4900.00}. 
Despite making timely payments and maintaining a good credit history, I havent received a deduction on the principal amount of ONLY {$170.00}. 
As a valued customer since XX/XX/year>, I appreciate XXXX XXXX  service and professionalism. Im requesting assistance with this issue. 

I reached out to the bank for support and their only suggestion was to double my payments which is impractical because Im already paying the maximum amount that I can afford and for them my max is there minimum therefore the semiweekly payments are not feasible. I just can not find extra money after given XXXX semi weekly to pay down the debt when I have other bills to pay and living off of one person income. Currently, I pay $ 600 monthly on a {$4500.00} loan, resulting in a {$250.00} billing fee twice a month. Only {$45.00} goes to the principal each cycle, leaving me with a monthly payment of {$600.00}.

I urge the Consumer Financial Protection Bureau bank to investigate and pursue legal action to enforce federal laws against unfair or deceptive practices. I would also appreciate guidance on how to proceed with my loan repayment. 
I am confident that the bank will address this matter promptly and effectively. 
Thank you for your attention to this matter. I am available for further discussion at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am A victim of identity theft, in the process of buying a house, I realized my identity was stolen and used to obtain a bank account and apply for auto loans. The companies that were utilized are 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 explanation
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion, which misrepresent my payment history and legal financial status. Specifically, my XXXX XXXX XXXXXXXX XXXX XXXX account, opened XX/XX/XXXX with a reported balance of {$460000.00} and last payment XX/XX/XXXX XXXX XXXX, shows multiple late payments ( XXXX in XXXX XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX ) despite all payments being made on time and confirmed by my bank records. My XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX with a balance of {$21000.00} and last payment XX/XX/XXXX, reports extensive late payments, including XXXX, XXXX, XXXX, and XXXX delinquencies from XXXX through XXXX, which are wholly inconsistent with my verified payment history and are not reported in Experian or Equifax, resulting in incomplete and misleading reporting. Additionally, my XXXX XXXX XXXX XXXX account, with a {$0.00} balance, was legally XXXX in a XXXX  XXXX bankruptcy but continues to be reported as unresolved or tied to a negative status. These inaccuracies violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) / ( a ) ( 2 ), as furnishers and credit reporting agencies are required to maintain maximum possible accuracy, reinvestigate disputed items, and correct any inaccurate reporting. The misreporting of late payments and XXXX accounts materially misrepresents my financial behavior and creditworthiness. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation and correction.

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 2025-12-02 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.

Complaint narrative:
Several accounts are being reported inaccurately on my credit report, including accounts from DOE XXXX, XXXX, and XXXX. Despite previous disputes and investigations by the credit bureaus, the accounts continue to show incorrect information. 

Dates and Actions Taken : I first disputed these accounts with the credit bureaus on [ insert date ( s ) of your initial dispute ]. 

The bureaus conducted investigations but failed to correct the information. 

I requested detailed verification of each account, including the procedures used and the representatives contacted at the reporting companies, but no satisfactory response was received. 

Amounts and Impact : The accounts contain inaccurate balances and payment history, which is damaging my creditworthiness.

The presence of these errors is causing significant concern and may affect my financial opportunities. 

Resolution Requested : Immediate correction or deletion of inaccurate information. 

Full disclosure of the verification process and communications with the reporting companies. 

An updated credit report reflecting accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation