vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and unauthorized address information on my consumer credit report that is interfering with my ability to dispute accounts accurately. 

An address I have never lived at or received mail at was reported to the credit bureau by multiple furnishers, including a financial institution. This address is being used during reinvestigations and is linked to active accounts on my credit file. I disputed this address through the credit bureaus online system, but I was blocked from completing disputes and instructed to contact furnishers directly. 

On multiple occasions in XX/XX/year>, I attempted to submit online disputes regarding both the incorrect address and related account inaccuracies. The credit bureau refused to process the disputes online and instead required phone calls or additional steps, preventing a complete written record. As a result, my disputes could not proceed through normal reinvestigation channels. 

The continued reporting of an address that is not mine is materially misleading and affects dispute verification, because furnishers are allowed to match accounts using incorrect identifying information. This has resulted in repeated verified outcomes without proper reconciliation of contradictory reporting across credit bureaus. 

I submitted a written dispute requesting deletion of all unauthorized addresses and correction so that only my current mailing address remains on file. Despite this, the inaccurate address continues to appear, and the bureau has not completed a proper reinvestigation. 

This conduct violates the requirement that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information.

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On or about XX/XX/year> around XXXXXXXX XXXX  World Finance contacted my father, who is not listed on my loan, not a co-signer, and has no authorization to receive information about my account. 

During this call, a World Finance representative disclosed my loan amount, which is nonpublic personal financial information. 

My father has XXXX, making this disclosure particularly harmful and distressing. He should never have been contacted regarding my loan. 

This contact occurred without my consent and was not for the purpose of merely obtaining location information. Disclosing my loan amount to an unauthorized third party violates my privacy rights under federal and state consumer protection laws. 

I am requesting : 1. Written acknowledgment of the unauthorized disclosure 2. Written confirmation that my account has been flagged to prevent any third-party contact 3. Assurance that this issue has been addressed internally to prevent recurrence I am preserving all rights under applicable consumer privacy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed all of my credit card accounts following authorized user activity that was viewed as high risk. I acknowledge that adding multiple authorized users was a mistake and I have fully discontinued this behavior.

Since the account closures, I have attempted to apply for new Bank of America credit cards, but my applications are rejected immediately and result in hard credit inquiries. When I contacted customer service, I was informed that they could not explain the rejections, escalate the issue, or advise whether there is a path or timeframe to reestablish a credit relationship.

I maintain an active Bank of America checking account where my salary is deposited and continue to use Bank of America as my primary banking institution. The lack of clarity around my credit eligibility and the repeated hard inquiries without a clear review path has been frustrating.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I tried to open an account with PNC but they denied me without providing a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I attempted to open a bank account with Wells Fargo and was denied due to a prior fraud-related incident. I want to clearly state that I was the victim of fraud, not the individual responsible for the fraudulent activity. I did not authorize the transactions, did not benefit from them, and fully cooperated with all required steps during the investigation and resolution. 

Despite this, I was informed that the prior incident negatively impacted my ability to open an account. I was not provided a clear explanation of how being a fraud victim constitutes an ongoing risk, nor was I given documentation or a meaningful opportunity to dispute or correct any records being relied upon. 

As a consumer acting in good faith, I believe it is unfair to be denied access to basic banking services solely because I was targeted by fraud. If this decision is based on internal records or consumer reporting systems, those records XXXX be inaccurate or misleading in how they characterize my involvement. 

I am requesting that Wells Fargo conduct a manual review of my eligibility, clearly distinguish between fraud victimization and fraud participation, and provide a written explanation of the decision along with any steps I can take to resolve or appeal it.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is attempting to collect an alleged debt that Synchrony Bank has already reported as a charge-off / loss, while the account continues to be reported inconsistently on my consumer credit reports.

This conduct constitutes illegal double collection activity, misleading representations, and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Illegal Collection of a Charged-Off / Loss Account Synchrony Bank reports this PayPal Credit account as : Charged-off Loss to creditor Profit and loss write-off Despite this, XXXX XXXX XXXXXXXX is attempting to collect the same balance, claiming I owe the debt and demanding payment.

A debt can not be simultaneously treated as a loss/charge-off and actively collected without proper legal transfer, validation, and accurate reporting.

2. Failure to Provide Proper Validation ( FDCPA 1692g ) XXXX XXXX, XXXX failed to provide : A signed contract or agreement Proof of legal assignment from Synchrony Bank Proof the debt is legally enforceable after charge-off Proof the amount demanded is accurate Continuing collection without proper validation violates 15 U.S.C. 1692g ( b ).

3. False and Misleading Representations ( FDCPA 1692e ) By attempting to collect a debt reported as a loss, XXXX XXXX XXXX XXXX made false and misleading representations, including : Misrepresenting the legal status of the debt Misrepresenting the amount and enforceability Creating confusion about who owns the debt This violates 15 U.S.C. 1692e.

4. Unfair and Abusive Collection Practices ( FDCPA 1692f ) Attempting to collect on a charged-off debt without clear ownership or validation constitutes an unfair and unconscionable collection practice, prohibited under 15 U.S.C. 1692f.

5. Inaccurate Credit Reporting & Consumer Harm ( FCRA Violations ) This account is reported inconsistently across credit bureaus, including : Conflicting balances Conflicting payment histories Conflicting creditor remarks Active collection attempts while reported as a loss This violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

Harm Caused Damage to my credit profile Emotional distress and XXXX  Improper collection pressure Loss of credit opportunities Please see attached CFPB complaint PDF detailing illegal collection of a charged-off debt, FCRA/FDCPA violations, and request for statutory compensation.XXXX XXXX XXXXXXXX is attempting to collect a debt that has already been treated as a loss, while failing to validate or accurately report the account. This conduct is unlawful and harmful. I am requesting CFPB enforcement action, deletion of the tradeline, and appropriate consumer compensation. 

Submitted by : 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 2025-12-27 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple student loan accounts serviced by XXXX that are being inaccurately reported across TransUnion, Equifax, and Experian. These accounts are reporting severe late payment statuses of XXXX and XXXX  days past due, with inconsistent account numbers, dates opened, and delinquency information between the credit bureaus, even though they are the same underlying loans. I previously disputed these inaccuracies directly with the credit reporting agencies and requested corrections, but the inaccurate information continues to be reported without meaningful changes. 

The reporting is inconsistent and misleading because the same MOHELA/DOFED loans appear multiple times with different account identifiers, different dates opened, and different delinquency severities depending on the bureau. This inconsistency demonstrates that the information is not being reported with maximum possible accuracy and suggests that the required reasonable investigation was not properly conducted. As a result, my credit profile has been harmed by reporting that does not accurately or consistently reflect the true status or history of these student loan accounts.

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 2025-12-27 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 submitting this complaint regarding multiple inaccurate and unverifiable items on my credit reports from Equifax, Experian, and TransUnion. My reports contain numerous incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; and a duplicate XXXXXXXX XXXX XXXX XXXX FL XXXX, which violate FCRA 605 ( a ) and 607 ( b ). They also list charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} ) and Santander ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00} ), without proper verification, in potential violation of FCRA 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), 611, and FDCPA 807-809. Additionally, several collection accounts are reported inaccurately or unverifiably : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1300.00} ), and XXXX XXXX XXXX XXXX XXXX {$2000.00} ), in violation of FCRA 605 ( a ) ( 1 ), 607 ( b ), and 609 ( a ) ( 1 ). My public record information regarding XXXX XXXX bankruptcies ( Ref # : XXXX, Ref # : XXXX, Federal Ref # : XXXX, XXXX {$0.00} ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with a {$0.00} balance is inaccurately reported and does not reflect the discharged status, violating FCRA 605 ( a ) ( 1 ) and 607 ( b ). These inaccuracies negatively impact my creditworthiness, and I have repeatedly requested validation and correction from the bureaus without resolution.

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 2025-12-27 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: CA

Complaint narrative:
I am submitting this complaint as a follow-up and as my third formal dispute regarding persistent inaccuracies that remain on my Equifax, TransUnion, and Experian credit reports. Despite multiple prior disputes and the submission of extensive supporting documentation, these consumer reporting agencies have failed to correct or properly address the inaccurate information being reported. This ongoing failure has negatively impacted my credit profile, lowered my credit scores, and interfered with my ability to obtain fair financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The continued reporting of inaccurate charge-offs, collections, and other negative tradelines demonstrates noncompliance with the Fair Credit Reporting Act. Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Repeated verification of the same inaccurate data after multiple disputes strongly indicates that a reasonable reinvestigation has not been conducted. Additionally, under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly correct or update information found to be inaccurate, which has not occurred in this case.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: MO

Complaint narrative:
The vehicle was parked, and then window was broken. Vehicle was taken without any notice prior. There was a tracker on the vehicle. The tracker shows with timestamps and addresses what the car was used for where it was driven how long they had it before it was delivered to the repossession lot or the impound lot loan company has given me offers to get the car back as far as payment plan but yet the car has already been taken to auction. All of my personal belongings were taken out of vehicle. I tried contacting the recovery repossession company. They would not return my call. The loan company itself has not been any helpful in getting my personal items Returned, and theyve been lying to me on where the vehicle was located as I have a tracker on the vehicle and its not where the loan company has told me its located.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple student loan accounts serviced by XXXX that are being inaccurately reported across TransUnion, Equifax, and Experian. These accounts are reporting severe late payment statuses of XXXX and XXXX  days past due, with inconsistent account numbers, dates opened, and delinquency information between the credit bureaus, even though they are the same underlying loans. I previously disputed these inaccuracies directly with the credit reporting agencies and requested corrections, but the inaccurate information continues to be reported without meaningful changes. 

The reporting is inconsistent and misleading because the same MOHELA/DOFED loans appear multiple times with different account identifiers, different dates opened, and different delinquency severities depending on the bureau. This inconsistency demonstrates that the information is not being reported with maximum possible accuracy and suggests that the required reasonable investigation was not properly conducted. As a result, my credit profile has been harmed by reporting that does not accurately or consistently reflect the true status or history of these student loan accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple student loan accounts serviced by XXXX that are being inaccurately reported across TransUnion, Equifax, and Experian. These accounts are reporting severe late payment statuses of XXXX and XXXX  days past due, with inconsistent account numbers, dates opened, and delinquency information between the credit bureaus, even though they are the same underlying loans. I previously disputed these inaccuracies directly with the credit reporting agencies and requested corrections, but the inaccurate information continues to be reported without meaningful changes. 

The reporting is inconsistent and misleading because the same MOHELA/DOFED loans appear multiple times with different account identifiers, different dates opened, and different delinquency severities depending on the bureau. This inconsistency demonstrates that the information is not being reported with maximum possible accuracy and suggests that the required reasonable investigation was not properly conducted. As a result, my credit profile has been harmed by reporting that does not accurately or consistently reflect the true status or history of these student loan accounts.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I didn't sign an agreement upon. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
I submitted a request to Experian to block inaccurate and fraudulent information on my credit report due to identity theft, in accordance with the Fair Credit Reporting Act ( FCRA 605B ) .My submission included a valid identity theft report ( police report ), government-issued identification, proof of address, and a written list identifying the accounts that resulted from identity theft. I contacted Experian On XX/XX/year> and Agents XXXX And XXXX from Experian XXXX XXXX confirmed receipt of all documents received XX/XX/year> via their online upload system and confirmed by phone that the dispute was open during the call XX/XX/year>. 
Within only XXXX of the dispute being opened ( attached photo shows timestamp of the items starting dispute ), Experian sent an email stating that it was declining to block the disputed items ( attached photo of this email with timestamp ), claiming that the request was made in error, involved a material misrepresentation, or that I may have benefited from the transactions. The notice did not specify which reason applied, did not identify any evidence relied upon, and did not identify which accounts were allegedly verified or how. 
Given the extremely short timeframe, this could not have been a reasonable investigation. Experian did not provide a specific factual basis for the denial as required by law, despite having received a valid identity theft report and proper identification. 
I believe Experian failed to comply with its obligations under the FCRA by refusing to block identity-theft-related information without providing a legally sufficient explanation or conducting a reasonable investigation.Under the Fair Credit Reporting Act 605B ( a ), a consumer reporting agency is required to block identity-theft-related information within four business days after receiving a valid identity theft report and required identification. Experian confirmed receipt of my complete submission and opened the dispute, yet did not block the disputed information. Instead, Experian issued an automated denial within hours without identifying a specific factual basis or evidence to support refusal under 605B ( b ) .Experian confirmed receipt of my identity theft documentation and dispute materials prior to issuing the denial. I am requesting regulatory review of XXXX identity theft handling process and use of automated denial responses in cases involving valid police reports

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