vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 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: CA

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 XXXX, Equifax & XXXX  credit report on XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing multiple unauthorized and inconsistent debit card charges posted by my bank that were related to a rental with XXXX. 
I paid {$390.00} at vehicle pickup, but this charge does not appear on my bank statement, and XXXX has not provided proof it was processed. 
My account was later debited {$470.00}, which caused an overdraft, and XXXX attempted an additional {$480.00} charge. 
XXXX claimed these charges were for cancellation or cleaning fees, despite the vehicle not being canceled, and the cleaning fee was later removed. 
XXXX states my final invoice totaled {$950.00}, but they have failed to provide documentation showing how the initial {$390.00} payment was applied or credited. 
My bank initially credited my account after a dispute but later reversed the credit based on documentation from XXXX, which does not clearly substantiate the charges. 
XXXX has only issued a {$25.00} credit, which does not resolve the unexplained or missing charges.

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 2026-02-09 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: MI

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN REPORTED IN ERROR. I HAVE NEVER OWNED, OPENED, OR AUTHORIZED THIS ACCOUNT, AND I HAVE NO AFFILIATION WITH IT WHATSOEVER. THE PRESENCE OF THIS ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND MISLEADING AND DOES NOT REFLECT MY TRUE CREDIT HISTORY. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF THIS ACCOUNT CAN NOT BE VALIDATED AS MINE WITH LEGITIMATE AND COMPLETE DOCUMENTATION, IT MUST BE IMMEDIATELY REMOVED FROM MY CREDIT 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 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
On XX/XX/year> I completed a lease with an apartment complex, a full years lease. Never late a payment. Didnt just leave. I was going to sign a XXXX year lease right before we were told we needed to relocate for jobs. When we told the apartments this they said that was fine since we never started a new lease as long as we left by or lease end date which was XX/XX/year> everything would be good. We left that exact day. Apartment in perfect condition ( I have proof of everything ) and XXXX  months later I was hit with a collection saying I skipped out on a lease and they are charging me {$3300.00}. I have reached out to the apartment complex, asking for proof and all documentation. They have completely ignored my emails my letters and my calls. I have also disputed this multiple times with nothing being done about it. I have also sent proof when I have disputed this and nothing has ever done about it. I shouldnt have to pay a collection that is not rightfully mine. I never skipped out on any lease and I have the move out paperwork to prove so. Nothing of what they put down even makes sense. No lease was ever broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TX

Complaint narrative:
THIS ENTRY ERRONEOUSLY IMPLIES PAYMENT NONFULFILLMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am filing this complaint against Global Lending Services LLC ( XXXX ) for willful non-compliance with the FCRA and UCC Article 9. XXXX is reporting a deficiency balance of {$13000.00} on Account No. XXXX that is legally unenforceable. 

Promptness Violation : Under UCC 9-616, post-sale accounting must be prompt. XXXX sold the vehicle on XX/XX/XXXX but waited 26 days ( until XX/XX/XXXX ) to issue an explanation. 

Commercial Unreasonableness : Under UCC 9-610, the sale must be commercially reasonable. XXXX sold the vehicle for {$7400.00}. Market data confirms the same vehicle ( VIN : XXXX ) sold for {$15000.00} in XX/XX/XXXX. This 106 % discrepancy proves the XXXX sale was negligent. 

Failure to Substantiate : XXXX  has added {$1000.00} in fees but has ignored multiple written demands for itemized third-party invoices. 

Burden Shift : Under Florida Statute 679.626, the burden of proof is now on XXXX to prove the debt is valid. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular 2022-07 makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-02-09 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. 
Please REMOVE it from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. 
Please REMOVE it from my credit report XXXX XXXX M - XX/XX/XXXX - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. 
Please REMOVE it from my credit report XXXX XXXX - XX/XX/XXXX - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX  - XX/XX/XXXX - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: LA

Complaint narrative:
I reached out to Equifax , TransUnion and Experian to dispute hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called the Truist Customer Service line to report a lost debit card. I was verify as the primary account owner. I asked for my wife 's debit card to be frozen due to a lost card. She is an authorized user and joint owner of the account but she was not with me. The representative stated that she can not freezer her debit card, because she was not present. That upset and concerned me because I was driving and not able to get her on the phone. I needed the issue resolved and as the primary account owner, I had the authority to freeze a debit card. I began recording the call and the representative hung up on me. This representative initiated the disconnect and stated clearly that they intended to do so while also being aware that I was the account owner and was attempting to report and resolve a potential fraud report related to my account.

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 2026-02-09 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: OR

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX OR XXXX XXXX XXXX, XX/XX/XXXX XXXX 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 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 Late Payments XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prime Recovery LLC
State: TX

Complaint narrative:
I received a voicemail from a debt collector from prime recovery llc and she was threatening me. Saying shes going to garnish my wages and take my belongings and I will face consequences. I called her back to let her know that shes not allowed to say those things to me, and she completely went off on me. This can not be said due to the Fair Debt Collection Practices Act ( FDCPA ). 
She had no idea what that was and proceeded to yell at me to pay my debt. This is extremely unprofessional and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: TX

Complaint narrative:
On XX/XX/year>, I received an email and an alert on my phone informing me that my account was being closed due to recent activities on my account. Immediately, I contacted my home branch, but I was not greeted and was instead accused and referred to as a scammer with a hostile tone. Initially, before conducting any investigation, XXXX XXXX accused me of depositing a fraudulent check. Fast forward 21 days, and my check had not bounced. Subsequently, they inquired about why someone sent me {$3000.00} via email and requested that I provide proof of having a XXXX account. I promptly emailed them the necessary proof and answers to their questions within the same hour they sent me the email. However, I did not receive any further updates from them. This occurred on XX/XX/year>. 
Yesterday, XX/XX/year>, I decided to visit the branch to close my account and retrieve my funds. Unfortunately, I was denied access and informed that I would need to return on Monday, XX/XX/year>. 
This situation is highly concerning. There is no explanation provided for the account closure. Instead, the branchs response consisted of attitudes and silent planning. It is evident that they are aware of their wrongdoing. I was unaware that someone could send money to my account. East West Bank is a reputable institution, and accounts are intended for such purposes. I simply want my money returned and for the bank to improve its customer service. I would never tolerate such treatment for anyone. It is simply unacceptable.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo has been overdrafting my account knowing I wished to lock the account till a later date. Over the course of the past year I have been hit with over {$1000.00} dollars in overdraft fees. 

There are multiple issues the most major being incorrect overdraft charges as well as the continue of overdraft charges for account in the negative that had been requested to be locked. 

Wells Fargo Policies state if the account is brought back to the positive by the follow day before XXXX Eastern Time a overdraft fee will not be charged. On multiple occasions this was met on my end and the account was correctly brought to the negative in time. The most notable is XX/XX/XXXX which is what caused this avalanche of overdraft fees to occur onto my account. 

My account is {$600.00} dollars in the negative due to overdraft fees. It is absolutly predatory to continue to overdraft the account relentlessly when the account has not had money for weeks and a lock had been requested on the account. 

Wells Fargo refused to reverse any of the charges. I have been unable to pay rent and am facing serious finacial troubles. This is predatory and Wells Fargo was already Fined billions of dollars for this same policy. Last year they changed their policy back to an absolutle predatory one that knowingly evades the law. 

XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX XX/XX/XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/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 2026-02-09 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2026-02-09 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: DE

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 XXXX, Equifax & XXXX  credit report on XX/XX/year> 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 response to consumer: Closed with non-monetary relief