vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Cook Law Office PLLC
State: MO

Complaint narrative:
sent a debt validation letter to them did not receve it back from them have recept that they got letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I object to the accuracy of items associated with accounts I never opened. Please conduct a detailed inquiry and remove them. Documentation accompanies this letter.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
There is a XXXX amount on a closed account that I never opened, this is having a negative impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
These unexpected inquiries may require your attention. Supporting materials are attached.

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against Advanced Resolution Services ( ARS ).

Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts. Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks.

Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful. 
Examples of XXXX XXXX / XXXX XXXX Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : No Original Purchase Agreement has been provided.

Capital One False late payments and inconsistent balances despite payoff. 
Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and Charged Off simultaneously. 
Note : No Original Purchase Agreement has been provided. 
Applied Bank False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Observe the timeline in 15 U.S. Code 1681g for the removal of disputed 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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a a collection on my consumer report. The acconts are closed and paid off i've attempted to resolve this matter directly with BARCLAYS BANK DELWARE by requesting validation of the debt and asking for the removal of negative information. despite multiple attempts, the creditor has failed to correct the information on my credit. 

THIS IS VIOLATING MY RIGHTS, AND IM ENTITLED TO {$1000.00} FOR EVERY VIOLATION I LISTED, THEY EITHER PAY ME OR DELETE THESE ACCOUNTS ASAP WITHIN XXXX HOURS.

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 2025-10-07 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:
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 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 2025-10-07 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NE

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

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 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 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX during covid, 90 days were posted late and I have been disputing since but in XXXX all of my student loans were XXXX and I was notified by XXXX that any derogatory should be removed due to the discharge. Now it's 6 years later, status has not been updated on my report and I need help desperately with my credit, even more now since my mother has passed and I have taken over her home. Especially since I was told they would be removed with the discharge. I have spoken to XXXX and XXXX and all of the credit bureaus. Each loan is individual so it is 26 times late on my report

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 2025-10-07 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I have reached out to Equifax regarding my Mortgage payments being posted as late. I asked them to VALIDATE the late payments and I was told that I would have to contact XXXX directly. I did that via letters. I requested for XXXX late payments be investigated and also, XXXX XXXX late payments being reported by Equifax, Experian and TransUnion. If this is anywhere on my credit reports for late payment, it needs to be VALIDATED. My information was breached with TransUnion. I received mail confirming this. I began my disputes on XX/XX/year>. Referencing 12 C.F.R ss 1024.35 ( servicing errors ). They have refused to correct the situation which is causing damage to my credit reports and my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a confirmed victim of identity theft involving Wells Fargo accounts that were opened in XXXX without my consent or knowledge. XXXX XXXX own letter dated XX/XX/XXXX confirmed I was not responsible for those accounts and that the bank released me from all liability. 

Despite that, when I opened a legitimate new account in XXXX, Wells Fargo still had the same fraudulent identifiers attached to my customer profile including the address XXXX XXXX XXXX XXXX XXXX, CO XXXX and phone number XXXX. These identifiers continue to appear in my credit reports and Early Warning file, showing that Wells Fargo is still reporting fraudulent data years after acknowledging the identity theft. 

I have tried repeatedly to fix this through XXXX XXXX escalation and fraud teams, the XXXX ( case XXXX ), and previous CFPB complaints. On XX/XX/XXXX, I had to go into a Wells Fargo branch to manually have the fraudulent identifiers removed. Even then, the issue persists. 

XXXX XXXX XX/XX/XXXX final response improperly closed all my open complaints by merging multiple internal and regulator cases ( including CFPB and XXXX references ) into one letter, even though another escalation XXXX, XXXX XXXX, had already requested an extension of time to investigate until XX/XX/XXXX. The bank closed my cases prematurely and without completing its review. 

I am requesting that the CFPB reopen and independently investigate this matter, including XXXX XXXX handling of identity theft victims, its inaccurate data reporting, and the improper consolidation of multiple active regulatory complaints. Supporting documents include the XXXX identity theft determination letter, the XXXX XXXX, XXXX response, XXXX XXXX email requesting more time, and my recent credit reports showing fraudulent identifiers.

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 2025-10-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that promise has not been fulfilled, and these inquiries still remain. This lack of action is completely unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This ongoing issue is causing significant emotional and financial harm.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
My vehicle was recently repossessed ( on XX/XX/XXXX ) by XXXX XXXX XXXX XXXX the finance company, '' " the lender '' even though I had made several payments that were not properly credited to my account. I called in to the finance company on XX/XX/XXXX to make a payment on any past due amounts and inform them that I would catch the payments up on XX/XX/XXXX. At that time the representative stated that I was over XXXX days past due. After hearing this, I began to investigate the payments that I had made to Mazda Financial Services to understand why the representative would state that I was XXXX days past due. After an active investigation on my part and many conversations with XXXX " the bank, '' I proceeded to find out that XXXX had not in fact credited a few of the payments that I had made. When I called back in, the finance company representatives made claims I was behind by {$2000.00} - but I had made a total of {$1000.00} in payments ( {$400.00} on XX/XX/XXXX + {$300.00} on XX/XX/XXXX + {$300.00} on XX/XX/XXXX ) that they stated were reversed. 

I contacted XXXX again ( on XX/XX/XXXX ) to confirm the payments were cleared, and the bank verified over the phone and in writing that the payments were not reversed the funds were successfully withdrawn and settled to the finance company by way of XXXX withdrawals. The bank also provided documentation verifying these transactions. I immediately faxed this proof to the finance company, as did XXXX. 

Despite receiving the documentation ( on XX/XX/XXXX ), the finance company refused to credit the payments or adjust my account. They claimed they needed a merchant report or cancelled checks instead, and while this was being disputed, they proceeded to repossess my vehicle, ignoring my requests to pause the repossession activities while this be investigated. 

I believe this repossession was improper and unlawful because my account balance was inaccurately represented due to the lenders failure to credit valid payments that cleared my bank. This has caused significant financial and personal hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
No contract validation despite lawful demand ( XX/XX/XXXX ). 
Account charged-off XX/XX/XXXX yet Exeter continued collection and repo attempts.

Cease-and-desist ignored, phone calls made XX/XX/XXXX, and XXXX, XXXX. 
Repo attempts on XX/XX/XXXX and XX/XX/XXXX at addresses never provided ; breach of peace, trespass, police involvement, family harmed. 
Violations : Truth in Lending Act ( TILA 1635 ) no disclosures, rescission right exercised.

FDCPA 1692g no debt validation, continued collection.

UCC 9-609 ( b ) ( 2 ) repossession involving breach of peace.

FCRA 605B inaccurate tradeline, charged-off but still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation