vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-07-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Cell : XXXX DOB : XX/XX/1984 SSN : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to request your assistance formally in addressing several inaccuracies in my credit report, specifically concerning charge-offs, late payments, and collections that I have no knowledge of. I have been living in the XXXX XXXX for the past XXXX years, XXXX, and during this time, I have not had the opportunity to manage or monitor my credit account as closely as I would have liked. 
One of the charge-offs listed on my report dates back over ten years to when I was serving in the XXXX XXXX XXXX XXXX XXXX XXXX. While I understand that managing finances can be complex, I have no recollection or records of any missed payments or accounts that might have led to this charge-off. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recently, I noticed another charge-off on my credit report that is equally perplexing. I have made multiple attempts to reach out to the respective companies for clarification and to obtain supporting information related to these charges. Unfortunately, my efforts have not yielded any results, and I remain without any details or documentation that would illuminate my situation. 
These negative items on my credit report are severely affecting my credit score and, consequently, my ability to secure employment or obtain loans. It is disheartening to find myself unable to apply for job opportunities or make necessary financial decisions due to information that may not accurately reflect my financial behavior. 
I kindly request your intervention in this matter. Specifically, I would appreciate your help in removing these charge-offs, late payments, and collections from my credit report. Its hard enough to be a XXXX veteran dealing with several illnesses, including XXXX and the aftermath of undergoing XXXX XXXX. Seeing my credit score below XXXX for something that I have no knowledge of is extremely stressful, especially when you are being investigated for a security secret clearance and seeing all these negative items on your credit report will automatically disqualify you. 
Thank you for your attention to this serious matter. I look forward to your prompt response and a resolution that will restore my credit standing. 

Sincerely, 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 2025-07-01 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I signed up for a checking account through Alliant in XXXX, and deposited {$25.00} through a dual checking-savings account with XXXX Banking XXXX However, I had chosen the checking account with a XXXX balance instead of the savings account. I then quickly deposited {$25.00} from the savings account to try to remedy the issue. Alliant flagged my account as a result of the first transaction. As of XX/XX/year>, my account has been in a state of pending closure and I still have not received a timeline nor update for the receipt of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Southwest XXXX XXXX # XXXX XXXX FL XXXX ACCOUNTS : AM XXXXXXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-01 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
On XX/XX/year>, I was preparing to book a vacation through XXXX. At the point at which I was preparing to pay for the vacation, I was presented with a window that promised a {$200.00} discount if I applied for, received, and used, a Wells Fargo XXXX card to purchase the vacation. 

Through that window, I applied for a Wells Fargo XXXX card. Wells Fargo issued the card, which I then used to pay for the vacation purchase. The vacation purchase price ( prior to discount ) was {$880.00}. When I paid for the vacation using the XXXX card, however, I was not provided with the discount. 

I immediately escalated to XXXX using the " chat '' function on XXXX 's web site. The agent who handled my inquiry stated that they could not assist me unless I could provide a screenshot of the window promising the {$200.00} discount. When I objected, the agent indicated that they would escalate to a supervisor at XXXX. I have not heard from the supervisor. 

The agent also reassured me that the chat history would be saved. However, there is no record of the chat history on my XXXX account.

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I took out a flex loan for {$1000.00} in 2023 to which I have taken available money from time to time resetting the loan. I am currently up to date on payments. I want to address deceptive collection practices, I believe the employees are taught. I took out the loan at the Cash Express office in XXXX Tennessee ( XXXX ) My payment is due every other Friday. Any time I go in to make a payment in cash they try to add the next payment to which I have to correct them and they back off. I started noticing I was receiving a {$30.00} NSF fee from my bank on days I paid cash. I discovered they are trying to send the payment through the bank a day earlier than the day I am contractually obligated to pay. I have tried to address this and they keep blaming my bank. 
Today, I spoke with XXXX, customer service at the XXXX office and she insisted I pay on Thursday cause they are closed Friday. I told her I would come in on Saturday but Thursday is not my payday nor the agreed day I am supposed to pay. She persisted stating her boss has informed everyone they have to pay on Thursday this week cause we are closed on Friday. I told her thats not my problem. I then told her that was a violation of the contract and causes me to incur an NSF fee cause my check doesnt go in til Friday. I live paycheck to paycheck many weeks like a lot of people due to a history of Illness with myself and my wife. She said We are closed Friday so ya got ta pay Thursday. I told her no, I can come in and pay Saturday and she stated they couldnt take payments on saturdays. She then asked me to call her boss to which I said no you call your boss and let me know. 
She called me back, the boss said I could come in and and pay Saturday so I asked her so you CAN take payments on Saturday? She said yes at that point. 
She then stated that her boss said there is a provision in the contract requiring payments to be made earlier if the store is closed. I asked her to provide the part of the contract that statement is made and she refused claiming Ive never even read the contract so I dont know where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
Hello, I want you guys to please help me with my XXXX XXXX XXXX case. I have given you here all the information you guys need in order to fulfill my case. Please help me remove all these fraudulent items, 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Hollis and Cobb Associates continues to call me, daily after repeatedly telling them NOT to call me and to only correspond with me through the mail. Now, a person doesn't call, but an automated system. I do not want to be contacted by them by phone at all, but through MAIL ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
COLLECTION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$100000.00}. This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing. 

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary. 
Thank you very much 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Car was stolen /recoverd / ready for repairs. 100 % full coverage, XXXX was notified within XXXX day. I was keeping possession Payments to continue as scheduled .. they didnt do their paperwork as always, made an enormous mistake, got my car out of impoundment, and moved it to there impoundment and want me to pay outrageous fees to recover it. They had no right or reason to do this. Everything was scheduled until XXXX came and got it. Nothing but bs lies and run around. I just sent letter to the VP of XXXX XXXX differant people, that are incompetent, rude, and blatantly lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im a XXXXXXXX of identity theft. my information was used to open credit card account.I did not authorize these account.I request to be closed imediately and 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Ive made payments towards my auto loan every week but now, my account is being flagged as delinquent even though ive made payments. aim very confused right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XX/XX/year> I ordered a pair of white XXXX walking shoes from XXXX. XXXX charged my Navy Federal XXXX debit card XXXX for the shoes. They sent the wrong item. I initiated a refund XXXX XX/XX/year> and requested the return be made to the payment method on file, my Navy Federal XXXX debit card. XX/XX/year> I dropped the shoes off at XXXX. XXXX sent an email on XX/XX/year> that they had processed my refund. A few weeks later I checked my bank account and noticed that the XXXX was not in my account. I contacted XXXX via chat. XXXX apologized that I did not have my refund and told me it would be on my account in XXXX days. The refund was never made. I have filed XXXX complaints with Navy Federal Credit Union based on the XXXX purchase protection policies. Navy Federal has filed XXXX incorrect complaints and denied all three stating that XXXX told them that they refunded me. I told them they have not. I asked for proof from Navy Federal from XXXX that they have refunded me. They told me this is not their problem. The have removed all record of my complaint from my online account. They told me that it would remain on my account. They refuse to provide proof of refund for the shoes I returned and they refuse to allow me to access any dispute documents including case numbers, dates of complaint communications, or their decisions for refusing to refund my money. I need help. This is theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: Unifin Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WIH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I acknowledge the {$700.00} debt being collected by Portfolio Recovery Associates. However, I experienced a serious medical emergency that left me unable to work or manage my financial obligations. 

I submitted medical documentation to the original creditor and credit bureaus requesting cancellation of the debt due to force majeure. I am still awaiting a response. 

I never received any written notice from Portfolio Recovery about the debt or my right to dispute it, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I only learned about the collection when I saw it on my credit report. The company never explained the debt to me and I have not been given a proper opportunity to respond. 

Additionally, I receive frequent and stressful phone calls from XXXX and XXXX. These calls are causing emotional distress. I am a single mother recovering from major XXXX, and this harassment is taking a toll on my mental and physical well-being. 

I respectfully ask the CFPB to investigate this matter and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX RE : Urgent Request for Assistance Fraudulent Account on Equifax Credit Report ( XXXX ) To Whom It May Concern, I am writing to formally request your assistance in resolving a persistent and damaging error on my Equifax credit report that is significantly affecting my ability to obtain a mortgage. The account in question is a XXXX student loan that does not belong to me. I am highly knowledgeable about my credit history and have been actively working to build and protect my credit profile, making this situation particularly distressing. 

Here is a timeline and summary of events : XXXX. A XXXX account appeared on my Equifax report XXXX late XXXX. 
XXXX. I filed a dispute with firstmark and with Equifax and provided evidence that it was not my account. Equifax removed the account after their investigation confirmed it was in error. 
XXXX. However, the account has reappeared with a different account number, reportedly due to it being " sold '' or " transferred, '' within their own company, despite no change in the false nature of the debt. 
XXXX. I have received conflicting statements from XXXX representatives : - Some agents stated that my personal information is linked to the account. 
- Others acknowledged that they have no record of my Social Security Number or identifying information and even provided a letter confirming this is not my account. 
XXXX. Most recently, XXXX has reversed its position and now claims it is my account again. 
XXXX. To further support my case, I have filed a police report for identity theft. If my information is being used, it is without my authorization and constitutes fraud. 

I have contacted Equifax multiple times, and they have not provided a consistent or actionable resolution. I am now in the critical process of obtaining a mortgage, but I am unable to proceed with this derogatory and false item on my credit report. My spouse and I sold our home in XX/XX/XXXX and have been living in transition ever since. We have missed out on multiple home opportunities due to this error. 

I am respectfully requesting that the CFPB intervene and assist in having this inaccurate and harmful account permanently removed from my Equifax credit file. This situation falls under FCRA XXXX and XXXX, which protect consumers from the reinsertion of previously deleted, unverifiable, or fraudulent accounts without proper notification and evidence. My next step is to file a I sincerely thank you for your time and attention to this matter. Please let me know if further documentation or clarification is needed.

Company response to consumer: Closed with explanation