vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
In XX/XX/XXXX I took out the loan. When I talked to the person on the phone, he told me if I made a payment of {$480.00} per month the loan would be paid off by XX/XX/XXXX. When I pay {$450.00}, {$96.00} comes off. 

Sometime in XXXX, I called to ask when the payoff would be. They said since it was a line of credit, there is no pay off date. I said " If I pay the minimum every month and don't take out any more money, when would the pay off be? '' They said there is no way to tell. 

Today, XX/XX/XXXX, I called them to ask what the interest rate. They said there is no interest rate, just a minimum based on the amount borrowed. I continued to ask. Finally, they admitted they could give me an example. They said if I borrowed {$1000.00}, and paid the minimum amount of {$100.00}, it would be a 119 % interest rate. 

They never told me this at any time. This information is not on any of the documents that I signed. I never would have taken money on this line of credit if I had known this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MN

Complaint narrative:
I am submitting this complaint with absolute certainty and considerable frustration. My credit report contains multiple accounts with errors that I can no longer overlook, as they have been negatively impacting my credit score and preventing me from achieving financial stability. These inaccuracies have caused ongoing and unnecessary hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-12-18 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: MA

Complaint narrative:
I am a victim of Identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent equates to identity theft. I noticed that I have unauthorized inquiries on my credit report ; Equifax sold my personal data without my consent. 15 US 1681c-2 requires consumer reporting agencies to block information identified as identity theft within 4 days. Equifax has also reinserted previously deleted items without notifying me in writing as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MA

Complaint narrative:
I am disputing the following accounts listed on my TransUnion credit report : CHARGED OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$6600.00} LATE PAYMENTS : XXXX XXXXXXXX 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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a XXXX account with XXXX XXXX. I requested a wire transfer from that account to my checking account at another bank in the amount of {$3000.00}. This request was made over the phone on XX/XX/XXXX ( Monday ). XXXX XXXX then called me back after the request was made to inform me that they had made a mistake. The information they entered was incorrect and they needed to redo the process. We went through that process again to make that request. I was told the money would hit my checking account on Wednesday, possibly Thursday. As of Friday XX/XX/XXXX, the money had not been transferred. I called back. They said the information was again entered incorrectly and the transaction was kicked back on XX/XX/XXXX. I made the request for a third time on XX/XX/XXXX for the wire transfer. We went through the entire process again. I was told that the process was escalated, as they made several mistakes. The money would be transferred by Tuesday XX/XX/XXXX. I called back on Wednesday XX/XX/XXXX, as the money had still not been transferred. After several hours on the phone with XXXX XXXX, I was told another mistake was made. The third request was entered as a mailed check, not a wire transfer. I was assured that the check was canceled, and the wire transfer was taking place. The case was again escalated, and the money would be wired by morning ( XX/XX/XXXX ). It is now end of day on XX/XX/XXXX and the wire transfer has still not gone through. Several hours on the phone today XX/XX/XXXX, and all that is being offered to me are apologies and a refund of the transfer fee. A remarkable number of mistakes have been made at XXXX XXXX. 10 days later, I still have not received the money I requested, although the money has been liquidated out of the XXXX account. I made several requests to speak to higher ranking managers or anyone who could escalate my case further. I asked to speak to anyone in charge of releasing the funds or distributing the funds. I was told " that's not going to happen. '' I was told it is not " their policy '' for customers to speak to managers. I am left without any options but to continue waiting. This is not the first time XXXX XXXX has made numerous mistakes with my accounts. This is a proven pattern at that company.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: GA

Complaint narrative:
I apparently had a {$30.00} balance that I did not know about, and sometime this year Ive been switched to E statements which I never signed up for. A {$30.00} balance turned into over {$100.00}. I was never sent a paper bill nor a late reminder to my house. The only way I found out was a notification on XXXX XXXX that a late payment had been reported. I immediately paid the bill late fees and all. But my main complaint is that I never switched to E statements. This is impacting my credit other than this. I have a perfect credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX SC XXXX Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX  NOTICE TO CEASE COMMUNICATION Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby request that LVNV Funding LLC and its agents cease and desist all communication with me regarding the above-referenced account. I can not verify the debt, obtain documentation, or resolve the issue directly with them. I am requesting that this account be removed because I can not validate its legitimacy or confirm who currently owns the debt. I would like clarification on the validity of the account and for it to be deleted if it can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains inaccurate information, including a bankruptcy and tradelines that were discharged in bankruptcy. The credit bureau has falsely indicated that a U.S. Bankruptcy Court reported this information, which is incorrect courts do not furnish consumer data to credit bureaus. Despite formal disputes, the bureau failed to correct this information. These errors are harming my credit, and I request full deletion of these items and proof of how the information was obtained.

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 2025-12-18 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Negligence in Wire Fraud Claim Handling I am filing a formal complaint against Wells Fargo for negligence and improper handling of a wire fraud claim. 

I reported a fraudulent wire transfer of {$7500.00} within approximately 20 minutes of sending it. Despite the urgency, Wells Fargo incorrectly routed my claim to the wrong department, causing a delay of approximately 9 days before the case was handled by the Wire Department. 

Due to this internal delay, XXXX XXXX XXXXXXXX later denied the return of the funds. I complied with all requests, signed required documentation, and acted promptly, yet Wells Fargos internal error potentially eliminated the opportunity for recovery.

I am requesting : A full review of Wells Fargos internal handling of my case Accountability for the delay Financial compensation for the loss caused by negligence

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 2025-12-18 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: OK

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items ormation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows ol as reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( XXXX ) XXXX - XX/XX/year> ( Equifax ) XXXX XXXX - XX/XX/year> ( TransUnion )

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 2025-12-18 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items ormation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows ol as reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( XXXX ) XXXX - XX/XX/year> ( Equifax ) XXXX XXXX - XX/XX/year> ( TransUnion )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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