vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
We contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

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 2025-10-28 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: NC

Complaint narrative:
We contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Made a deposit at XXXX Oh location of Huntington bank. The deposit was 2 checks one for {$300.00} the other for {$1700.00} into checking. The ATM gave correct deposit amount of {$2000.00}. Checked my account and deposit showed {$2000.00} On XX/XX/XXXX they withdrew the {$1700.00} from checking. I called customer service and they had no record of total deposit only {$300.00}. But assured me they would look into it. Had another call on XX/XX/XXXX from Huntington requesting who wrote the check and saying they would research & get back to me.

Since this was withdrawn from my account I had to move money around to cover my bills. ( Blessed I was able to do this ). 

Called them again on XX/XX/XXXX. They said they had closed the case & could not locate the check. The check that was ( lost ) by Huntington was stopped at a cost to of {$33.00}. I ask them to cover the cost since it was on their end. They have refused. 

I should not have to pay for their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-10-28 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: KY

Complaint narrative:
This is a Formal Complaint Against Equifax Concerning XXXX XXXX  Account Number XXXX Reporting To Whom It May Concern, I am filing this complaint against Equifax regarding their handling of my dispute concerning a First Premier Account Number XXXX account appearing on my credit report. On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. Late Payments the count of late payments is inaccurate. Open Date and Close Date the dates are reported incorrectly. Balance the balance being reported is inaccurate. I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. Despite the requirements of the Fair Credit Reporting Act, Equifax has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) Equifax was legally obligated to complete a reinvestigation within XXXX  days. They failed to act altogether. Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) Equifax failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. Failure to Provide Verification ( 1681i ( a ) ) Equifax did not provide the documentation or evidence I demanded to verify the accuracy of this account. Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since Equifax failed to verify or reinvestigate, the XXXX XXXX Account Number XXXX account must be deleted. Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, Equifax is knowingly harming my credit profile. Resolution Demanded Because Equifax has failed to meet its legal obligations, failed to provide documentation, failed to communicate by XXXX mail as required, and is continuing to report inaccurate and unverified information, I demand immediate corrective action. I demand immediate deletion of the XXXX XXXX Account XXXX XXXX account from my Equifax credit file, as well as any other collection company due to either one not being verified by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: KY

Complaint narrative:
This is a Formal Complaint Against Equifax Concerning XXXX XXXX Reporting To Whom It May Concern, I am filing this complaint against Equifax regarding their handling of my dispute concerning a XXXX XXXX account appearing on my credit report. On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. Late Payments the count of late payments is inaccurate. Open Date and Close Date the dates are reported incorrectly. Balance the balance being reported is inaccurate. I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. Despite the requirements of the Fair Credit Reporting Act, Equifax has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) Equifax was legally obligated to complete a reinvestigation within XXXX  days. They failed to act altogether. Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) Equifax failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. Failure to Provide Verification ( 1681i ( a ) ) Equifax did not provide the documentation or evidence I demanded to verify the accuracy of this account. Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( XXXX ) ) Since Equifax failed to verify or reinvestigate, the XXXX XXXX account must be deleted. Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, Equifax is knowingly harming my credit profile. Resolution Demanded Because Equifax has failed to meet its legal obligations, failed to provide documentation, failed to communicate by XXXX mail as required, and is continuing to report inaccurate and unverified information, I demand immediate corrective action. I demand immediate deletion of the XXXX XXXX account from my Equifax credit file, as well as any other collection company due to either one not being verified by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NC

Complaint narrative:
I financed a 2020 XXXX XXXX through Carvana ( and its financing partner XXXX ). The vehicle was sold with multiple pre-existing defects, including abnormal engine noise and XXXX tires with visible sidewall damage. Carvana replaced the tires and covered an initial {$5000.00} repair under the limited warranty. 

During the warranty period, the vehicle began showing symptoms consistent with a transmission defect. I brought it in for service, but no diagnostic codes were present, so the issue could not be confirmed. About XXXX  days and XXXX miles after the warranty expired, the transmission failed and was diagnosed by an independent shop as needing a {$10000.00} replacement. 

Carvana refused assistance, stating that because the warranty had expired and no transmission repairs were made earlier, they were not responsible. They offered {$500.00} for inconvenience, which I declined. The defect clearly originated during the warranty period and represents a latent defect present at sale. 

This has caused significant hardship for our blended family of XXXX and multiple pets. We purchased this large SUV specifically for safe family transportation. We now have no way to travel together, must use XXXX cars for daily work and school commutes, and have incurred added fuel and scheduling costs. 

I am requesting that the CFPB review Carvanas and XXXX handling of this sale and financing, including whether their refusal to assist violates fair lending or consumer protection standards when the vehicle financed through them was defective from the outset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I recently bought a prepaid {$100.00} visa giftcard from XXXX on XX/XX/year>. When the card was opened, the card included was not real and had been printed out with the numbers missing on the back. The barcode is punched out on the card and the fake card filled in the numbers. When I tried to take it to target, they told me to call Visas number. When I called, they said the place of purchase was Vanilla Giftcards, and to talk to them. Upon calling, the automated system wasnt picking up this number on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
I, 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 XXXX  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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a debt reported by XXXX XXXX ( or a third-party collector acting on their behalf ) that I believe is inaccurate and does not belong to me. I was notified of this debt through [ a credit report/ a collection notice ], but I have no record of owing this amount and have not received proper documentation validating the debt. 
I contacted XXXX XXXX to request verification and resolution, but have not received a satisfactory response. This unresolved issue is negatively affecting my credit and financial standing. 
I am requesting that the CFPB investigate this matter and assist in having the debt removed from my credit report if it is found to be invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to release my employers check funds to my bank, which is XXXX XXXX XXXX Wells Fargo Wells Fargo said they could not give any information about the check and they were not releasing any funds.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been disputing several inaccurate accounts with Equifax since XXXX, sending all of my disputes by certified mail, but Ive never received any mailed investigation results. Instead, my Equifax file keeps changing on its own. Between XX/XX/XXXX and XX/XX/XXXX, Equifax repeatedly added and removed remark codes across multiple accounts XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX without any explanation. The remarks flip back and forth between consumer disputes reinvestigation in progress, charged-off account, and account closed by credit grantor, sometimes within days. 

These changes were not requested by me and appear to be fully automated. My credit score swings by XXXX points as these updates happen. It looks like Equifax is running system updates instead of actually reinvestigating or verifying anything. I never receive proper updates or written results, which violates the Fair Credit Reporting Act. Its almost identical to what the CFPB fined Equifax for earlier this year not notifying consumers and relying on automated, inaccurate reinvestigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I was trying to buy a house and I realize I had damage on my credit report, according to 15 u.s.c 1681 law there should not be damages on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
On XX/XX/year> I went into the XXXX location to make a payment that had been rejected by my bank. ( Not Cash Express fault ) The past due payment was due on XX/XX/XXXX. My payments are every other week so this was a Friday I did not have a new payment due. The lady at the counter took my information and presented me a total encompassing the past due amount AND the amount due on XX/XX/year>. I corrected her and told her I only had one payment due and she admitted that to be correct. The payment was {$88.00} to which I payed {$100.00} cash and told her to apply the difference to principle. Later I opened my bank account app and noticed Cash Express had sent through the remaining balance of the payment due XX/XX/year>, {$74.00} and some change. 
I incurred another XXXX charge from my bank as well as XXXX charges for other items. I had not accounted for an additional {$74.00} to be taken from my account this week. 
Upon discovery ( XXXX XX/XX/year> ) I called XXXX, a XXXX at the XXXX store. She followed the trail of errors and confirmed this to be true and informed me the woman who took my payment had already been fired for something else as if that was some kind of comfort to me. I told her I needed to speak to someone above that store. She asked if I want to speak to the Owner or the president, I said whoever will straighten this out. She asked if I could take a call now and I said absolutely. She said she would make some calls but I havent heard anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I must emphasize that this complaint is no error my credit report contains glaring inaccuracies that fail to meet even the minimum standards of accuracy. These errors are profoundly burdening me and persistently harming me in unimaginable ways ; these are extraordinarily difficult times, and it would be an immense relief a true lifeline if these inaccuracies were corrected or eliminated immediately.

Company response to consumer: Closed with non-monetary relief