vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

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 2025-12-29 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was rewarded {$23000.00} from a XXXX XXXX XXXX  on or around XXXX weeks later I received and email stating that my account would be on freeze and closed until XX/XX/XXXX because of what WELLS FARGO believed was fraud upon which my XXXX insured the bank it wasn't, so on XX/XX/XXXX I received another email saying that my account would would be on hold until XX/XX/XXXX in which I requested information on why as in which WELLS FARGO proceeded to make credit reversal of my account of amounts oXXXX XXXX XXXX XXXX XXXX XXXX XXXX  which had nothing to do with my deposit on XX/XX/XXXX but on deposits that was made on XX/XX/XXXX, and on XX/XX/XXXX after the unreleasing of my funds I received another information stating that my account will be on hold until XX/XX/XXXX, upon reading regulation E, UCC 4-215 and understanding the CFPB unfair practice rules, I deem this unjust and would like this matter handle in a timely fashion

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 2025-12-29 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: OR

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the victim of incorrect information being furnished to my credit reports causing things such as denial for homes and other necessary financial needs. My personal information was used and tied to accounts without my knowledge or consent, resulting in two fraudulent accounts appearing on my credit reports : XXXX. XXXX XXXX in the amount {$390.00}, allegedly tied to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount {$3300.00} allegedly tied to XXXX XXXX XXXXXXXX. I never opened or authorized either of these accounts. Furthermore, I did not give permission for my personal information to be sold, traded, or bartered for monetary gain amongst these companies. Such actions may constitute violations of the Gramm-Leach-Bliley Act ( GLBA ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b permissible purposes rule ), and the Federal Trade Commission Act, Section 5, which prohibits unfair or deceptive trade practices. These accounts are inaccurate, unverifiable, and harmful, causing financial and personal damage by restricting my access to credit, housing, and other essential services. I am requesting that these fraudulent accounts be removed from my credit records.

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 2025-12-29 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: TX

Complaint narrative:
I am the victim of incorrect information being furnished to my credit reports causing things such as denial for homes and other necessary financial needs. My personal information was used and tied to accounts without my knowledge or consent, resulting in two fraudulent accounts appearing on my credit reports : XXXX. XXXX XXXX in the amount {$390.00}, allegedly tied to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount {$3300.00} allegedly tied to XXXX XXXX XXXXXXXX. I never opened or authorized either of these accounts. Furthermore, I did not give permission for my personal information to be sold, traded, or bartered for monetary gain amongst these companies. Such actions may constitute violations of the Gramm-Leach-Bliley Act ( GLBA ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b permissible purposes rule ), and the Federal Trade Commission Act, Section 5, which prohibits unfair or deceptive trade practices. These accounts are inaccurate, unverifiable, and harmful, causing financial and personal damage by restricting my access to credit, housing, and other essential services. I am requesting that these fraudulent accounts be removed from my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance is showing up on XXXX XXXX XXXX  but not XXXX. I have attempted to get information on how this is being verified and XXXX  and XXXX  refuse to delete an unverified debt.

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 2025-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
This is a follow up regarding a previous complaint filed with the CFPB regarding XXXX XXXX, potential loan fraud ( mortgage stacking ). The loan was transferred or sold to Planet Home Lending on XX/XX/year>. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX office does not have an updated Deed of Trust on file denoting Planet Home Lending as the current lenholder on the property. My previous request to provide an updated Deed of Trust have not been honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XX/XX/year> The amount was supposed to be paid by third party and not me and was put on my credit for reasons of that I owe the amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I am writing to dispute the following accounts that appear on my credit report with each of the credit bureaus : XXXX  ( XXXX ), Equifax ( XXXX ), and XXXX  ( XXXX ). Below are the details of the accounts in dispute : CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} LATE PAYMENTS XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/year>, I leased a XXXX XXXX XXXX XXXX through XXXX. In XXXX XXXX, I completed a lease buyout and refinanced the vehicle with Ally Bank through a new auto loan that became active in XX/XX/year>. 

As part of the refinance, Ally was responsible for paying off the prior XXXX lease. I also received the applicable government XXXX credit, which should have been applied toward the final payoff amount. 

However, XXXX has confirmed that they never received any payoff check from Ally. As a result, my XXXX lease account remains open and continues to withdraw monthly payments, while Ally is also charging me under the new loan. This has caused ongoing double billing. 

I contacted Ally multiple times by phone and message, including their XXXX XXXX team, to request confirmation of the payoff, including whether a check was issued, the amount, date, and tracking information. Ally has not provided this information or resolved the issue. 

I am requesting that Ally complete the payoff to XXXX immediately, stop the duplicate billing, and correct any related account errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Dear Sir/Madam, I am filing a dispute regarding the following accounts. Please investigate the accuracy and completeness of the information listed for each bureau. Below are the details for the disputed accounts : Inquiries : XXXX  Date : XX/XX/2025

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The approximately {$5000.00} recently credited to my account was interest only and did not include any principal reimbursement. The outstanding amount owed to me remains {$48000.00}, which reflects unreimbursed funds that were wrongfully withheld or mishandled. The interest payment does not offset or satisfy this outstanding balance.The institution recently issued a credit of approximately {$5000.00}, which was explicitly identified as interest only. This payment confirms that my funds were held for an extended period. However, this interest payment did not include any principal reimbursement and does not represent restitution for the underlying amounts owed. 
The total outstanding amount still owed to me is {$48000.00}. This figure reflects unreimbursed funds, retained balances, and amounts that were improperly withheld or mishandled. The interest-only payment does not reduce or offset this balance. 
I have not been provided a transaction-by-transaction accounting explaining why these funds were withheld, how long they were held, or why full reimbursement has not been issued. I am requesting CFPB oversight to require full restitution of the {$48000.00} still owed, along with complete transparency and documentation.

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 2025-12-29 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: CA

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-29 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: FL

Complaint narrative:
Please review the attached materials ; the questions were submitted without advance notice and may lack approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a check from an insurance company for a car accident for {$4400.00}. I DID A MOBILE deposit into my BMO account ON XXXXXX/XX/year>, but they are currently holding my funds because I was rude to XXXX of their employees. Initially, they said my money would be released on XX/XX/XXXX, then they changed it to XX/XX/XXXX, and now it wont be available until XX/XX/XXXX. The check is from XXXX XXXX, and when I went to their branch, they informed me that the check had already been cashed. BMO is holding the funds for no apparent reason.

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 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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