vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: TX

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a retail installment sales contract with a vehicle dealer to finance approximately {$24000.00} over XXXX  months at an APR of about 19.94 %. After the account began reporting on my credit report under Ally Banks name, I disputed the tradeline and requested verification of Allys ownership and authority to report the account. 
I submitted a formal written dispute identifying specific defects in the investigation and citing the applicable legal standards governing verification and reinvestigation. In that dispute, I requested documentation establishing assignment of the contract from the dealer to Ally Bank, including any assignment agreement, bill of sale, or chain of title. I also explained that the investigation and responses were relying on inapplicable legal reasoning and case law that did not address the core issue of ownership, authority to report, and verification standards for credit reporting. 
Ally has been provided multiple opportunities through disputes and CFPB complaints to address these issues. In response, Ally repeatedly asserted that the contract was assigned to them but did not produce any assignment agreement, bill of sale, or chain of title. Instead, Ally relied solely on the original retail installment sales contract, which identifies the dealer as the seller-creditor and does not identify Ally Bank . 
Allys responses did not address the specific investigation defects raised in the formal dispute, continued to rely on inapplicable legal reasoning, and did not provide documentation verifying ownership or reporting authority. Despite this, the account continues to be reported as delinquent. As a result, the disputed information could not be verified after investigation. Continued reporting of this unverified tradeline has resulted in credit denials and ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inaccurate and incomplete information currently appearing on my TransUnion credit report. Several accounts are reporting conflicting balances and dates, and certain inquiries and late payments appear without proper authorization or verification. 

XXXX Accounts XXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$3600.00} XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$6600.00} XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$4500.00} These accounts are inconsistent across bureaus and appear to be inaccurately maintained. I am disputing their reporting and requesting verification or deletion as required by law. 

Inquiries XXXX XXXX  XX/XX/XXXX I do not recall authorizing this inquiry and request proof of permissible purpose. 

Late Payment Reporting XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX These late payment entries are inaccurate and misleading. If they can not be fully verified, they must be corrected or 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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: GA

Complaint narrative:
To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. 

Fox Collection Center XXXX : XXXX Date Open XX/XX/XXXX Balance {$360.00} This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading.

i am requesting that you : 1. Conduct a reasonable investigation into this matter, and 2. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : A signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt. If the furnisher can not proper verification within 30- day period required by law, this account must be deleted from my credit report.

Additionally, reporting unverifiable or inaccurate information violates FCRA 623 15 U.S.C. 1681s-2 ) Please correct or remove this account immediately if compliance can not be met.

Please send me written comfirmation of results of your investigation. Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a notice of dismissal from the XXXXBankruptcy New York XXXX  dated XX/XX/2020. This case was dismissed as well as a stay on {$2900.00}. This debt was for XXXX XXXX for my XXXX  and not a medical recommendation by a doctor. 
I cancelled the XXXX XXXX service, because the merchant, XXXX XXXX XXXX, was fraudulently charging my medical insurance company, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I identified a repossession tradeline furnished by XXXX XXXX that is being reported on my consumer credit reports. I disputed the accuracy and completeness of this information and requested verification of the reported data. 

Despite this dispute, the tradeline continues to be reported without documentation demonstrating that the information furnished is accurate, complete, and verifiable. 

In addition, the consumer reporting agencies Experian, Equifax, and TransUnion continue to report this information without evidence that a reasonable investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I identified a repossession tradeline furnished by XXXX XXXX that is being reported on my consumer credit reports. I disputed the accuracy and completeness of this information and requested verification of the reported data. 

Despite this dispute, the tradeline continues to be reported without documentation demonstrating that the information furnished is accurate, complete, and verifiable. 

In addition, the consumer reporting agencies Experian, Equifax, and TransUnion continue to report this information without evidence that a reasonable investigation was conducted.

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 2025-12-28 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: OH

Complaint narrative:
I identified a tradeline furnished by the Ohio Department of Human Services that is being reported on my consumer credit reports. I disputed the accuracy and completeness of this information and requested verification of the reported data. 

Despite this dispute, the tradeline continues to be reported without documentation demonstrating that the information furnished is accurate, complete, and verifiable. 

Additionally, the consumer reporting agencies Experian, Equifax, and TransUnion continue to report this information without evidence that a reasonable investigation was conducted. 

I am requesting that this matter be investigated and corrected in accordance with federal credit reporting requirements.

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 2025-12-28 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: TX

Complaint narrative:
TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE FRAUDULENT INFORMATION BEING REPORTED ON MY FILE THAT WAS CAUSED BY FRAUD AND IDENTITY THEFT DUE TO XXXX DATA BREACH IN XXXX - XXXX THAT EXPOSED MY PERSONAL INFORMATION, SUCH AS SOCIAL SECURITY NUMBER, ADDRESS, EMAIL, NAME, DOB, DRIVER LICENSE INFO. THAT HAS CAUSED TREMENDEOUS AMOUNT OF IDENTITY THEFT. TRANSUNION HAS CONTINUED TO DELETE ITEMS TO THEN REINSERT THEM DAYS LATER. I HAVE SUBMITTED 30 DISPUTES TO TRANSUNION AND THE CREDITORS WITHOUT ANY RESOLUTIONS. I HAVE LISTED ALL ACCOUNTS THAT TRANSUNION HAS FAILED TO INVESTIGATE, GIVING CREDITORS ACCESS TO MY PERSONAL DATA WITHOUT PERMISSION. ON ACCOUNTS THAT WERE CHARGED OFF THEY REOPENED THEM AND CONTINUE TO ALLOW XXXX XXXX TO REPORT LATE PAYMENTS ON FRAUDULENT ACCOUNT THAT I CLOSED DUE TO FRAUD. TRANSUNION AND ALL CREDITORS INVOLVED CONTINUES TO IGNORE EVIDENCE BEING SUBMITTED RELATED TO DISPUTES. 

Your agency failed to conduct a reasonable investigation into this item after my initial dispute on [ Date of prior dispute, if applicable ] and has continued to report information you know or should know to be inaccurate, a violation of 15 U.S.C. 1681e ( b ). 


XXXX Ownership This account was opened fraudulently. 


XXXX Ownership This account was opened fraudulently. 


XXXX Ownership This account was opened fraudulently. 


XXXX Ownership This account was opened fraudulently.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened new personal and business checking accounts with Wells Fargo in the beginnong of XX/XX/year>. Shortly after opening the accounts, I received a check and first attempted to deposit it using Wells Fargos mobile deposit. I printed the check, signed it, and submitted it electronically. Wells Fargo later rejected that deposit. 

On a different day, I went in person and deposited the same physical check into my newly opened business checking account, not realizing Wells Fargo had already flagged the original mobile submission. This triggered a fraud alert because the system detected the same check numbers. This situation was caused by Wells Fargos deposit handling process and confusion between the rejected mobile deposit and physical deposit.

Separately, in my personal checking account, I deposited another check without understanding that Wells Fargo places extended holds on new accounts. While this check was on hold, several scheduled payments and bills were processed, which caused my personal account to become overdrafted by over {$700.00}. Wells Fargo then added multiple overdraft fees. As a result, my personal checking account was eventually shut down. 

After this entire situation, I returned back to my credit union, where physical checks post immediately without extended holds. 

I am now requesting the following resolutions from Wells Fargo : Full removal of all overdraft fees and related charges from both my personal and business checking accounts, as these fees were triggered by banking process delays and internal check handling issues. 

For my personal checking account, I am requesting a reduction of the final payoff balance to a settlement amount of {$200.00}, which I am offering in good faith to resolve the account promptly. 

Written confirmation that both accounts are properly closed with no additional fees continuing to accrue. 

These financial penalties were not caused by misuse or intentional overdrafting but by Wells Fargos deposit processing delays, extended new-account holds, and internal fraud flagging.

I am requesting fair correction and resolution. 
Thank you! 
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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts and late payment entries reported on my TransUnion credit report. These items are inaccurate, incomplete, and/or have not been properly verified under the FCRA. I am requesting deletion or correction of any item that can not be validated with competent evidence. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$19000.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$760.00} XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | XXXX : {$1300.00} INQUIRIES None listed for dispute at this time. 

LATE PAYMENTS XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX Account No. 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 2025-12-28 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: GA

Complaint narrative:
I am disputing inaccurate and misleading information on my Equifax credit report. Equifax is obligated under the FCRA to ensure that all data reported is complete, accurate, and verifiable. The following items fail to meet those requirements. 

XXXX Accounts XXXX Account No. XXXXXXXX XXXX XXXX XXXX | Account Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX | Account Date : XX/XX/XXXX | Balance : {$0.00} Unauthorized / Unverified Inquiries XXXX XX/XX/XXXX Late Payment Reporting XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint as a formal escalation due to XXXX continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ).

I am a verified victim of identity theft. I submitted a valid FTC Identity Theft Report, along with government-issued identification and proof of address, requesting a mandatory identity theft block under federal law.

Despite this, Equifax claims the account has been verified and continues to report the fraudulent account. This response is legally insufficient and irrelevant under 605B, which does not permit verification as a substitute for blocking once proper documentation is received.

Key Facts Experian has already blocked and deleted this same account based on the same FTC Identity Theft Report. 
TransUnion previously deleted the account. 
Equifax issued a verified response dated XX/XX/year>, before my FTC Identity Theft Report was processed via certified mail on XX/XX/year>. 
Equifax has not acknowledged or addressed the FTC report at all.

Legal Violations Equifax is violating : 15 U.S.C. 1681c-2 ( a ) Failure to block identity-theft-related information within XXXX business days 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Improper reinvestigation standards for identity theft claims Once an FTC Identity Theft Report is received, Equifax has no discretion to verify the account. The law requires blocking, not reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint regarding a premature adverse action taken on my Capital One credit card account. 

On XX/XX/XXXX, Capital One issued a written past-due notice stating that my account would be permanently closed only if the minimum payment was not received by XX/XX/XXXX. 

Despite this written cure deadline, Capital One restricted my account on XX/XX/XXXX, prior to the stated due date. 

When I contacted Capital One, I was informed that the restriction was due to returned payments referenced in the cardholder agreement. However, the XX/XX/XXXX notice does not state that returned payments void, shorten, or override the XX/XX/XXXX cure period. 

Capital One relied on general agreement language to take adverse action before the written cure date, creating a conflict between the agreement and the specific notice provided to me. 

I am requesting : Removal or correction of the premature restriction Assurance that no negative credit reporting resulted from this action Written clarification of how Capital One applies returned payment language when a cure deadline is provided in writing I am disputing the restriction as premature and inconsistent with the written notice provided.

Company response to consumer: Closed with explanation