vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I MAILED OVER MORE THEN XXXX DOCUMENTS TO EQUIFAX ABOUT THIS FRAUD INQUIRIES, I CALLED THEM MOLTAPLE TIMES ASKING THEM WHAT SHOULD I DO AND HOW DO I MAKE THIS DOCUMENTS STEP BY STEP EXPLAINED BY THEIR SUPERVISERS AND I DID EXACTLY LIKE THEY TOLD ME BUT AFTER I WAS GIVING THEM I CALL THEY WHERE TELLING ME THEY HAVEN'T RECIVED ANYTHING OR MAKING OBVIOUSE LIES. THEY EVEN TOLD ME THIS INQUIRES HAVE BEEN REMOVED FROM MY NAME BUT I CHECKED IT AND NOTHING WAS DONE BY THEM AND THEY JUST DIDN'T CARE ABOUT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had gotten a XXXX XXXX back on gas station spend up to {$20.00}. I spent {$500.00} on XX/XX/year> at weigels. the promotion never credited. Its a Wells Fargo Deals/XXXX. I have called 3 times with no success

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 2025-07-29 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: TX

Complaint narrative:
I have asked already to remove as Auth, Signer and delete from each of of their credit reports. As of today all three still show as Auth. Signer on their credit reports. 

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Company name : TitleMax of Georgia , Inc. 
Product : Vehicle title loan Issue : Forced loan / Predatory lending / Loan flipping / Lack of clear communication I took out a title pawn loan from TitleMax in XX/XX/year> for {$2900.00}. However, I was pressured into the loan by XXXX XXXX XXXX XXXX, who told me I had to get the loan in order to get my car back. TitleMax then sent almost the entire loan {$2800.00} directly to XXXX XXXX XXXX XXXXXXXX, not to me. I never received the money myself. 

I also learned that I was not eligible for a cash loan from TitleMax because of an incomplete application, but no one told me that until after the paperwork was done. This was extremely misleading. I was not clearly informed that this was not a typical loan or that I was just refinancing debt I already owed. 

The finance charge for the first XXXX  days alone was {$520.00}, with an APR of 218.88 %. The total due in XXXX month was {$3400.00}. Now its almost a year later, and I still owe {$2500.00} despite making payments. Im financially struggling, trying to raise a premature baby after major XXXX, and living with little to no income. 

This situation feels like a debt trap, designed to keep me in a cycle of payments without ever getting ahead. I did not understand that the money was going to XXXX XXXX XXXX XXXX or that I was basically refinancing a prior debt under high interest. I feel taken advantage of and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I have asked already to remove as Auth, Signer and delete from each of of their credit reports. As of today all three still show as Auth. Signer on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complainant : XXXX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number ( last 4 digits ) : XXXX Full SSN included for verification purposes : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My name is XXXX XXXX. XXXX, and I am submitting this formal complaint to report serious inaccuracies in how my personal informationespecially my address and Social Security Numberhas been used and reported across various financial and consumer databases. I am requesting immediate investigation, correction, and cleanup of any information associated with my identity that is incorrect or has been misused. 
1. Incorrect Address Associations : My official and current residential address is : XXXX XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX. 
However, I have discovered that other addresses have been falsely or mistakenly associated with my name and Social Security Number. I have never lived at these addresses, nor have I authorized any activity from them. 
2. Misuse or Error Involving My SSN and Identity : I believe that my Social Security Number ( XXXX ) and personal data may have been either : Incorrectly entered or matched by financial institutions, or Illegally used by unknown third parties. 
3. Impacts on My Credit and Records : These errors have resulted in inaccurate information appearing on my credit reports, along with misleading data that affects my ability to access credit and protect my identity.

What I Am Requesting : I am formally asking the Consumer Financial Protection Bureau to : Investigate and correct any incorrect address ( es ) or identity records associated with my name and Social Security Number. 
Ensure that all financial and credit-related systems reflect only my accurate information.

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 2025-07-29 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I received a letter from Dillards/Citi confirming that their fraud investigation regarding my Dillards Credit Card account was completed. The letter stated that all disputed fraudulent charges, along with any related interest and fees, were removed from my account. 

However, despite this written confirmation, the charges and related fees were not actually removed. They are still being reported to credit bureaus, which has significantly lowered my credit score and is currently jeopardizing my ability to secure a mortgage loan. 

I have contacted Citi multiple times over the past several weeks, which is documented in their internal call notes, including a conversation with a XXXX XXXX XXXX  XXXX on XX/XX/year>. She told me that she would contact the XXXX and resolve the issue within XXXX hours. It has now been more than a week since that conversation, and no action has been taken. I have still not received confirmation that the charges were removed or that accurate information has been sent to the credit bureaus. 

This issue has now gone unresolved for over XXXX months ( since XX/XX/year> ), and I believe Citi may be violating : The Fair Credit Billing Act ( FCBA ) [ 15 U.S.C. 1666 ], by failing to correct the billing error after stating it was resolved ; The Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], by continuing to report inaccurate information to credit bureaus after acknowledging that it was fraudulent. 

Thanks, 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 monetary relief
Consumer complaint received 2025-07-29 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 writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-29 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 regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-29 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I'm writing because XXXX XXXX  account on my credit report is being reported as a charge-off every single month for an extended period of time - especially on Transunion LLC XXXX Thats not how change-offs are supposed to work A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful, it makes the situation lock worse than i actually is and drags down my credit untairty. 
This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 
Because of this, I'm asking that this XXXX XXXX  account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately :

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 2025-07-29 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: GA

Complaint narrative:
There is a charge-off listed on my credit report that is inaccurate, outdated, and incomplete. This error negatively affects my ability to obtain credit and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), the continued reporting of incorrect or outdated information violates the protections put in place to ensure fairness, accuracy, and privacy in credit reporting. Despite previous disputes and requests for verification, this charge-off remains on my report, and no meaningful investigation or correction has been provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$950.00}

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 non-monetary relief
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
Consumer Name XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the fraudulent accounts consist of XXXX Accounts in Question 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 XXXXXXXX XXXX - XXXX, Inquiries XXXX XXXX  XX/XX/XXXX Incorrect Personal Information Incorrect Name XXXX XXXX XXXX  XXXX of XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Company is not reporting correctly across all 3 Credit Reporting agencies- Account needs to be removed immediately before injunction is filed for Fraud against my good name.

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