vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had an issue where my external checking account had overdrafted by a small amount and cancelled the credit card balance payment. Because of this, Wells Fargo disabled use of making payments from that account. Wells Fargo sent me an email with a number to call to remove the temporary hold on that checking account. After I had fixed the issue with my checking account, I called the number and dealt with XXXX agents over an hour and a half, where the final agent stated they were able to remove the hold and I just needed to remove and redo the Online Bank-to-Bank process again to add that checking account. I did so, and then attempted to make a payment again, where it posted successfully, but then Wells Fargo disabled both the Online Bank-to-Bank payments from checking account as well as the credit card itself. I called them again over the next few days, only to continually be told to call again later. I do not have an answer on when these holds will be removed. I never got this resolved, and can not make payments on my credit card balance, nor use the card. I want to close the card without a hit to my credit score, as Wells Fargo provided inaccurate information to me, as well as blocked my account due to incorrect information told to me by one of their agents.

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 2025-12-15 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
This late payment was added incorrectly and should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Experian, Transunion, Equifax, and XXXX XXXX are all knowingly and willingly reporting an inaccurate accounts and unverified bankruptcy information on my consumer report. I have filed multiple complaints regarding these public records/ accounts and in addition filed multiple identity theft affidavits based off the fact these accounts werent and still to date havent been verified in accordance to the FCRA XXXX I have attached a correspondence to the bottom of this complaint outlining the fact that XXXX XXXX or any of its associated affiliates doesn't have the authority to report public records in conjunction with my private non public identifiers. If Experian, TransUnion, Equifax and XXXX XXXX along with all other affiliates continues to illegally report these unverified public records/ Accounts I will be filing a lawsuit for both civil and criminal damages under state and federal law.

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 2025-12-15 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: IL

Complaint narrative:
Experian, Transunion, Equifax, and XXXX XXXX are all knowingly and willingly reporting an inaccurate accounts and unverified bankruptcy information on my consumer report. I have filed multiple complaints regarding these public records/ accounts and in addition filed multiple identity theft affidavits based off the fact these accounts werent and still to date havent been verified in accordance to the FCRA XXXX I have attached a correspondence to the bottom of this complaint outlining the fact that XXXX XXXX or any of its associated affiliates doesn't have the authority to report public records in conjunction with my private non public identifiers. If Experian, TransUnion, Equifax and XXXX XXXX along with all other affiliates continues to illegally report these unverified public records/ Accounts I will be filing a lawsuit for both civil and criminal damages under state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, Transunion, Equifax, and XXXX XXXX are all knowingly and willingly reporting an inaccurate accounts and unverified bankruptcy information on my consumer report. I have filed multiple complaints regarding these public records/ accounts and in addition filed multiple identity theft affidavits based off the fact these accounts werent and still to date havent been verified in accordance to the FCRA XXXX I have attached a correspondence to the bottom of this complaint outlining the fact that XXXX XXXX or any of its associated affiliates doesn't have the authority to report public records in conjunction with my private non public identifiers. If Experian, TransUnion, Equifax and XXXX XXXX along with all other affiliates continues to illegally report these unverified public records/ Accounts I will be filing a lawsuit for both civil and criminal damages under state and federal law.

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 2025-12-15 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXXA breakdown of what this alleged balance is based on, including dates and itemized charges. 

XXXX.Documents showing where this obligation originated and how your company obtained it. 

XXXX.Any agreement, application, signature, contract, or document that links me to the account. 

XXXXProof your company is authorized and licensed to collect in my state, including registration details. 

XXXXAny notices or communications you claim you sent before reporting the account to the credit bureaus. 

XXXX.The identity and address of the original creditor, along with the original account details. 

XXXXEvidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX XXXX 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 have identified that my credit report contains incorrect personal information, which has resulted in a single unknown and inaccurate account appearing on my file. I am a victim of identity theft, and my information was used fraudulently without my knowledge or consent. As instructed by TransUnion, I filed an FTC Identity Theft report and submitted it accordingly ; however, this fraudulent account continues to remain on my credit report despite that action.

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 2025-12-15 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:
I am disputing the following items on my TransUnion credit report that I believe are inaccurate or unauthorized : Charged-Off Accounts No charged-off accounts are currently reporting. I am requesting confirmation that TransUnion is not reporting any inaccurate or obsolete charged-off accounts. 

Inquiries I dispute the following inquiries, as I do not recall authorizing them and have not been provided proof of permissible purpose : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these inquiries unless TransUnion can provide documentation showing they were authorized and made for a valid permissible purpose. 

Late Payments XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX I dispute the late payment reporting on this account. If TransUnion can not provide full documentation verifying the accuracy of the reported late payments, including complete payment history, these late payments should be removed.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
My vehicle was stolen. While it was missing, I contacted Credit Acceptance to ask whether the vehicle had a GPS tracker to assist with recovery. I was explicitly told by Credit Acceptance that there was no tracker on the vehicle.

After the vehicle was recovered, Credit Acceptance repossessed it from my driveway. This raised serious concerns because I was previously told no tracking device existed, yet the vehicle was located and repossessed shortly after recovery.

I believe Credit Acceptance provided false or misleading information about the presence or use of tracking technology on my vehicle. If a tracker or location technology existed or was used, I was misled about surveillance of my vehicle. If no tracker existed, then Credit Acceptances statements about how the vehicle was located during repossession remain unclear.

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 2025-12-15 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX from XXXX calling my relatives at their employment in an attempt to gain contact with me. telling them that i have a business matter that needs to be resolved this week. 

they have reached out to my mother who is quite literally going through XXXX, and now my older brother whom i dont even speak to on a regular basis. 

their predatory practices on fraudulent debt charges is exactly why a class action is justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

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 2025-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a late payment on my credit report account ( XXXX ) with XXXX XXXX XXXX .I believe this is an error. Under FCRA section 611 ( 15 U.S.C 1681i ), I am entitled to dispute inaccurate information. please investigate and correct this mistake. 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 explanation
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am writing to dispute the following accounts and request a thorough review and correction of my credit report. The accounts listed below are showing inaccuracies and/or incomplete reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$53000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Late Payments : XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several discrepancies in my credit report. Below are the details of the accounts in dispute, separated by bureau : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX v. TransUnion ( XXXX ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX 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 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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have an active Tesla auto loan, but the loan is not appearing on any of the major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted Tesla Finance multiple times ( XX/XX/year> ) but have not received clarification on whether the loan is being reported, which bureaus it is reported to, or if there is an issue with my account information that is preventing reporting. 

This lack of reporting is negatively impacting my credit profile. I am requesting confirmation of the lender responsible for reporting, the reporting status, and correction of any issues preventing the loan from appearing on my credit reports.

Company response to consumer: Closed with explanation