vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MS

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was offered a {$320.00} cash bonus from Wells Fargo if I open a checking account and direct deposit {$1000.00} within 90 days. I did so. Then they said they would be closing my account before the 90 days is up so they dont have to give me the {$320.00}. 

It seems unreasonable that a bank should be allowed to close an account before they give the customer the money they have promised them. If I give a teller {$20.00} and ask for change, it is unreasonable for her to tell me she closed my account so she cant give me change after I give her the {$20.00}. 

I asked to speak to a supervisor at wellsfargo. I was transfer and informed her I would record the call. She said wellsfargo does not consent to calls being recorded. 

I asked for her identifying employee information and she hung up.

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 2025-12-01 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:
Experian is in violation of the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX ( b ) by refusing to correct inaccurate personal information, preventing access to the dispute process, and obstructing my ability to address a fraudulent account Old outdated addresses on file need to be removed and current updated. A name variation on my file is erroneously listing my daughter. 

Lastly I contacted Experian to correct inaccurate information and dispute a XXXX account that I did not open. The phone system would not connect me to a dispute agent and repeatedly pushed me to online options that do not allow personal information corrections. 

When I finally reached a representative, I received conflicting instructions. He first said Experian could block the fraudulent Fingerhut/WebBank account within XXXX  days. After I agreed, he then said I could not request a block without first providing a police report, and that the process may take 30 days. These contradictions prevented me from submitting the dispute. 

I am simply requesting Experian remove the inaccurate XXXX/XXXX  account that is not mine and provide a clear, consistent dispute process.

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 2025-12-01 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: NE

Complaint narrative:
I am filing this complaint because a disputed auto loan account from XXXX XXXX XXXX ( ACA ), account ending in XXXX, was marked as verified by the credit reporting agency, but the bureau has refused to provide the legally required Method of Verification as outlined in the Fair Credit Reporting Act ( FCRA ). 

I disputed this auto loan account because the information being reported is inaccurate and incomplete. The credit bureau responded that the account was verified, yet refused to provide any of the following : XXXX. The method used to verify the account XXXX Who was contacted at XXXX XXXX XXXX XXXX. What documentation was provided to verify the accuracy Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ), after a dispute is marked verified, the consumer is entitled to receive the full Method of Verification, including the contact information for the furnisher and the evidence used to verify the account. 

The bureau did not provide any of this information. 

Because they can not provide the legally required Method of Verification, the account is considered unverified, and unverified information may NOT be reported under the FCRA. Continuing to report this account without proof violates federal law and is causing damage to my credit, financial opportunities, and consumer rights. 

I am requesting the XXXX assistance because : The bureau failed to follow the XXXX investigation and verification requirements The bureau is reporting information that has not been properly verified XXXX XXXX XXXX has not provided documentation proving accuracy Special Services refuses to provide the Method of Verification This account continues to harm my credit despite a legally insufficient investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Please review the materials provided ; these inquiries arrived unexpectedly and may not have been authorized.

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 2025-12-01 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: NY

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 2025-12-01 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: IL

Complaint narrative:
I recently checked my credit report and noticed multiple accounts reporting that do not belong to me. These accounts are harming my report. They are harming my profile and I plan to take action.

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 2025-12-01 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: WA

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 2025-12-01 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: FL

Complaint narrative:
I am writing to you not to request assistance, but to formally demand immediate regulatory intervention into the reckless and unlawful conduct of Experian. This bureau has utterly failed in its statutory duties under the Fair Credit Reporting Act ( FCRA ), directly causing me significant and ongoing financial and personal injury as a documented victim of identity theft. 

More than 30 days ago, I provided Experian with a formal notice of fraudulent activity, complete with all necessary supporting documentation. Experian has met this formal dispute with nothing but contemptuous silence. This is not a simple delay ; it is a flagrant and willful violation of the XXXX investigation and resolution timeline mandated by the FCRA. Experian 's deliberate inaction has allowed criminals to continue their assault on my identity while my creditworthiness is systematically dismantled. I refuse to tolerate this lawlessness any longer. 

This document outlines Experian 's specific failures and my non-negotiable demands for resolution. I expect the CFPB to use its full enforcement power to compel this derelict agency to finally comply with federal law. 

Experian has joined its counterparts in a pattern of reckless disregard for consumer rights, demonstrating a profound lack of accountability. By permitting XXXX ( XXXX ) fraudulent inquiries to stain my credit profile, Experian has shown that its systems are fundamentally broken and that it has no interest in protecting consumers from the devastating impact of identity theft. This is not just poor business practice ; it is a direct violation of the trust and legal duty placed upon them as a national credit reporting agency. Experian 's failure to maintain the integrity of its data is not just a technical issue ; it is a moral and legal failure that has directly impacted me. 

The unauthorized inquiries that Experian has negligently allowed to fester on my report are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are a blatant violation of FCRA 1681b ( a ) and 1681c-2. Experian had a legal and ethical obligation to ensure the integrity of my data and to block any information resulting from identity theft. It has failed in the most spectacular fashion, and I will hold them accountable for every bit of damage caused by their willful non-compliance. Their failure to respond to my prior dispute is a clear admission of their guilt.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding an inaccurate and unverified collection account appearing on my credit report. The collection agency listed is Online Collections XXXX, and the original creditor is XXXX XXXX. The account is reporting a balance of {$380.00}, Date Assigned XX/XX/XXXX, and Date Reported XX/XX/XXXX. 

Reasons This Reporting Is Inaccurate/ Improper : I never received any written notice or validation from Online Collections XXXX regarding this alleged debt before it was reported to the credit bureaus. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The amount reported may not be accurate, and the agency has failed to provide any itemized breakdown or proof of how the {$380.00} balance was calculated. 

No verification has been provided, despite my attempts to dispute or understand the origin of this account. 

This unverified account is negatively affecting my credit, and under the Fair Credit Reporting Act ( FCRA ), unverifiable information should not be reported. 

Requested Resolution : I am requesting that the CFPB require the collection agency to : Provide full and complete validation of the alleged debt, including itemized statements, dates of service, and documentation proving the account belongs to me. 

Immediately cease reporting this collection account until proper validation is provided. 

Delete the account from all credit bureaus if they can not provide legally required proof. 

Additionally, I ask that the CFPB ensure Online Collections XXXX complies with all FDCPA and FCRA regulations, as they have failed to properly notify me or validate this account. 

Collection Account Details ( as reported ) : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX : {$380.00} Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX Complainant Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
b'I purchased the used vehicle on XXXX XXXX XXXX the car was worth XXXX I put a down payment of XXXX when I purchased the car my car note payments are XXXX every XXXX weeks for the past XXXX yrs they repossessed my car twice already the first time to get it back I had to pay XXXX on XXXX to get it back then I gave them XXXX XXXX  then they repossessed my car again for XXXX that I had to pay to separate payments to get back XXXX on XXXX and XXXX on XXXX just to get it back again now they are saying I still owe XXXX how its not making sense then if I miss a payment they want to repossess my car again and they sold me a faulty car I couldnt return'

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I mailed you a direct dispute regarding the accuracy and legality of the information you furnished to the nationwide consumer reporting agencies concerning the above-referenced account. XXXX records confirm you received this notice on XX/XX/year>, making your legal response deadline XX/XX/year>, pursuant to the Fair Credit Reporting Act ( FCRA ). 
Instead of providing the required validation, documentation, or legally mandated notices associated with any alleged repossession or deficiency balance, you mailed me a response falsely claiming that the account was verified as accurate. You failed to provide ANY documentation proving compliance with the Uniform Commercial Code ( UCC ) or FCRA requirements. 
Your conduct violates : FCRA XXXX ( a ) ( XXXX ) ( A ) FCRA XXXX ( XXXX ) FCRA XXXX FCRA XXXX ( a ) ( XXXX ) FCRA XXXX ( a ) ( XXXX ) ( A ) Additionally, you failed to provide evidence of compliance with : XXXX XXXX Required pre-sale notice to borrower UCC XXXX XXXX contents of notice Your inability to provide ANY legally required UCC notices renders your XXXX inaccurate, unlawful, and unenforceable. 
YOU ARE HEREBY ORDERED TO TAKE THE FOLLOWING ACTIONS WITHIN 14 DAYS : XXXX ) Immediately instruct all consumer reporting agencies ( XXXX XXXX, and XXXX ) to permanently delete this account. 
XXXX ) Provide written confirmation showing deletion updates submitted to all credit bureaus. 
XXXX ) Cease and desist from furnishing ANY information related to this account unless you can produce legally sufficient validation and XXXX notices. 
This is NOT a renewed dispute or an invitation to restart your investigation. Your legally mandated timeframe has expired, and your noncompliance constitutes willful misconduct under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-02 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: GA

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against TransUnion for illegally reinserting a previously deleted derogatory item on my XXXX XXXX account ending in XXXX. 
I disputed a XX/XX/year> late payment and TransUnion removed it after XXXX confirmed the correction through a CFPB complaint response. 
However, after the dispute was closed, TransUnion reinserted the same late payment. 
I have now watched this late payment disappear and reappear, damaging my score and making my report inaccurate. I do not want to continue going back and forth anymore. I'm hoping this can be resolved permanently, because this action is a direct violation of the Fair Credit Reporting Act. Especially reinsertion without required XXXX written notice, failure to maintain maximum possible accuracy and worse of all, furnisher reporting information known to be inaccurate. After my complaint, XXXX confirmed : The late payment was removed, and the balance was updated to {$0.00} with SCRA protections applied. This reinsertion is harming my credit score and violating my rights under federal 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 non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
In accordance with federal law, specifically 15 USC 1681c-2 ( a ), I formally request that all information resulting from this identity theft be blocked and removed from my credit report by the credit reporting agency . 

Federal law mandates that any disputed information stemming from identity theft must be blocked and removed within XXXX business days of receiving a valid complaint. 

Listed below are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX - PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXXXXXX - PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ACCOUNT I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my rights are protected. 
Sincerely,

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 2025-12-02 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: CA

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 response to consumer: Closed with non-monetary relief