vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a call from SynXXXX XXXX at XXXX on XX/XX/year>. I called them back to ask why they were calldoing by me at that hour and he said oh it mustve been and it wasnt us. I have a screenshot of the incoming call! Im making scheduled payments and they call all day and night, now at XXXX XXXX! This is not even a large amount of money.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I used the XXXX XXXX card from wells fargo ending in XXXX, if I made 5 transcations each month, I will get my XXXX points, however, in XXXX I made XXXX points but XXXX  do not provide me and I never received any statement fro XXXX, I do not how they count 5 transactions, please refund me my points.

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 2025-10-13 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against Affirm Inc. for reporting inaccurate and unverifiable delinquency information on my credit report. 
The account is closed with a {$0.00} balance, yet continues to reflect multiple late payments. I disputed the account and requested method of verification and documentation as required by law, but Affirm failed to provide any proof or validation. 

This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 602 ( Congressional findings ) 607 ( b ) ( accuracy requirements ) 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ) ( reinvestigation and method of verification ) 623 ( a ) ( 8 ) ( furnisher responsibilities ) 616, 617 ( civil liability ) The continued reporting of unverifiable information is inaccurate, misleading, and damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXXFRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SantanderUSA would not provide me with any documentation of charge off status and would not allow me to get my vehicle back without paying the full amount owes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AZ

Complaint narrative:
XXXXPlease delete all fraud accounts per FCRA and POLICE REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNEW FULL POLICE REPORT attached, NEW FTC, Bank statement, social security and ID attached. Please also remove address XXXX XXXX XXXX XXXX XXXX ca XXXX  and remove XXXX XXXX XXXX XXXX XXXX caXXXXthank you. per FCRA and federal guidelines'

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 2025-10-13 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-13 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I sent a certified letter to Experian on XX/XX/2025 with tracking # XXXX it shows the delivery date of XX/XX/2025 at XXXXXXXX XXXX in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$1000.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$1900.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/2025 which they failed to respond once again.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-13 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: GA

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 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : Request for Account Verification Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX/TD Bank Representative, I am writing regarding an alleged balance of {$8800.00} on my XXXX/TD Bank credit account ( ending XXXX XXXX XXXX XXXX I am requesting written verification and documentation of this account under my rights provided by the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Please provide : 1. A detailed breakdown of the alleged balance, including all fees and interest.

2. The date of the last payment or account activity.

3. Copies of any signed agreements or documents showing my responsibility for this account.

4. Confirmation of whether this account has been sold, transferred, or remains with TD Bank.

Until this information is provided, please refrain from further collection activity and from reporting negative information to the credit bureaus. If the account has been reported, I request that it be marked as disputed pending resolution. 

Thank you for your prompt attention to this matter. Please send your response in writing to the address listed above. 

Sincerely, ( Signature if printed ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-13 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-13 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
I am submitting this complaint because I continue to receive frequent calls from a debt collector even though I have an active payment plan and payments are already on file. The collector calls me frequently multiple times a week often at inconvenient times. I have confirmed that my payment plans are being processed and having informed the collector that the calls are not necessary yet the calls continue, This appears to violate the Fair Debt Collection Practices Act ( FDCPA ) Which prohibits repeated or continuous phone calls intended to annoy or harass. I am requesting that the CFPB review this collector 's contact practices and ensure they comply with the FDCPA. I would like the collector to stop the repeated phone calls and limit communication to written communication related to my existing payment arrangement. I setup a Payment plan in XX/XX/year> an the company messed up the payment term dates. They have resolved It with a refund but I was told that my remaining payments would be deleted as the reversal would void the payment terms. I called to see if a payment settlement could be offered but advised no and that my scheduled payments were on file which contradicts what I was told when the refund of the {$220.00} was processed my the Supervisor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
Dear Equifax 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTLAKE PORTFOLIO MANAGEMENT XXXX What Happened ( Complaint Summary Box ) On XX/XX/scrub>, 2025, I visited XXXX XXXXXX/XX/XXXX in XXXX, Georgia, and completed a vehicle financing application. The dealership submitted my credit application to Westlake Financial without fully disclosing the financing options or obtaining my continuing consent. I was later denied, and I immediately requested to retract my application and have the credit inquiry removed. 

The dealership and Westlake Financial both refused to retract the application or remove the hard inquiry. I am concerned that my personal and financial data are still being stored, used, or monetized without authorization. I am asking the CFPB to investigate and require both parties to remove any credit inquiries, confirm destruction of my application data, and verify compliance with federal consumer-credit laws. 

XXXX Company Name Westlake Financial Services XXXX Date of Transaction XXXX XXXX, 2025 XXXX Laws or Rights Violated ( Optional Box ) Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Federal Trade Commission Act ( Unfair or Deceptive Practices )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief