vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: NM

Complaint narrative:
On XX/XX/year> looked at my report. I sent a letter to Experian, on XXXX asking them to reinvestigate these accounts, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general.lf, 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I found out there were 2 unauthorized payment made with my debit card ending in XXXX. Both payment have {$1800.00} amount charged for XXXX  on XX/XX/year> which I never used and had no idea what it was about. I contacted a banker and filed a claim as soon as I found out and provided them with every information they asked. After 2 weeks of investigation, my claim was declined and the total amount of {$3700.00} is forever gone from 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 non-monetary relief
Consumer complaint received 2025-10-15 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I reached out over the phone to receive a Payment plan per arizona law and they said that they can not provide that. Also, I borrowed {$1500.00} from A Speedy Cash Car Title Loans , LLC. My loan agreement lists an APR of 175 % and a finance charge of {$3800.00}. Under Arizona law ( A.R.S. 6-632 ), this appears to exceed the states 36 % interest limit for licensed lenders. I am requesting an investigation and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am sending to formally dispute several items appearing on my credit report that I believe have been inaccurately reported and require immediate reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ). I am requesting that your agency review, verify, and remove or delete all unverifiable and inaccurate information listed below. 
XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Account Status : Closed Past Due Amount : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Account Status : Closed Past Due Amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Account Status : :Closed Past Due Amount : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} Account Status : Closed Past Due Amount : {$92.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I am sending to formally dispute several items appearing on my credit report that I believe have been inaccurately reported and require immediate reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ). I am requesting that your agency review, verify, and remove or delete all unverifiable and inaccurate information listed below. 
XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Account Status : Closed Past Due Amount : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Account Status : Closed Past Due Amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Account Status : :Closed Past Due Amount : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} Account Status : Closed Past Due Amount : {$92.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I am following up regarding inaccurate late payment reporting on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a {$0.00} balance but is still reported with derogatory history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows inconsistent information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with two 30-day late payments in XX/XX/year>, which is inaccurate. Under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), CRAs must ensure maximum accuracy and reasonably reinvestigate disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I am following up regarding inaccurate late payment reporting on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a {$0.00} balance but is still reported with derogatory history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows inconsistent information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with two 30-day late payments in XX/XX/year>, which is inaccurate. Under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), CRAs must ensure maximum accuracy and reasonably reinvestigate disputed items.

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 2025-10-15 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: GA

Complaint narrative:
It is really disappointing that the incorrect late payments continue to show up on my credit report today. I refreshed my browser and they are still there, which is causing me a lot of stress. I want the documents I sent to be properly reviewed so I can stop worrying about this problem.

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 2025-10-15 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: FL

Complaint narrative:
I am submitting this complaint to dispute and request the removal of multiple unauthorized hard inquiries appearing on my credit report. The following inquiries were not initiated or approved by me and therefore lack permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize, apply for credit, or provide consent for these entities to access my personal credit file. These inquiries have caused unnecessary harm to my credit score and reflect a potential breach of my consumer privacy rights.

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a consumer reporting agency may only furnish a consumer report for specific, permissible purposes and with the consumers authorization. Additionally, FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] requires credit bureaus to maintain reasonable procedures to ensure that reports are only furnished to parties with a legitimate and lawful reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute and request the removal of multiple unauthorized hard inquiries appearing on my credit report. The following inquiries were not initiated or approved by me and therefore lack permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize, apply for credit, or provide consent for these entities to access my personal credit file. These inquiries have caused unnecessary harm to my credit score and reflect a potential breach of my consumer privacy rights.

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a consumer reporting agency may only furnish a consumer report for specific, permissible purposes and with the consumers authorization. Additionally, FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] requires credit bureaus to maintain reasonable procedures to ensure that reports are only furnished to parties with a legitimate and lawful 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 2025-10-15 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: WI

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies and unauthorized inquiries on my credit report. The names XXXX XXXX and XXXX XXXX and addresses XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, XXXX, WI XXXX are not mine and must be deleted. Several charge-offs, including XXXX XXXX ( {$55.00} ), XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX, report {$0.00} balances and should be removed. Collections from XXXX XXXX XXXX ( {$570.00} ) and XXXX XXXX ( {$0.00} ) are inaccurate or unverifiable. Numerous inquiries, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, were made without my consent. These violations breach FCRA 1681e ( b ) and 1681i, requiring accuracy and reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: WI

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies and unauthorized inquiries on my credit report. The names XXXX XXXX and XXXX XXXX and addresses XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, XXXX, WI XXXX are not mine and must be deleted. Several charge-offs, including XXXX XXXX ( {$55.00} ), XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX, report {$0.00} balances and should be removed. Collections from XXXX XXXX XXXX ( {$570.00} ) and XXXX XXXX ( {$0.00} ) are inaccurate or unverifiable. Numerous inquiries, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, were made without my consent. These violations breach FCRA 1681e ( b ) and 1681i, requiring accuracy and reinvestigation.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I discovered that a Target TD credit card was open with a credit line of {$200.00} but I found out too late. I found out XXXX years after the account had been opened. The TD card was opened XX/XX/XXXX and the account closed in XX/XX/XXXX due to the card being maxed out of {$500.00}. I have been filing a dispute the entire year and I have gotten absolutely nowhere. I even given XXXX  my ID, my personal statement, even my bank account statements of the past months. Yet they still say it is my account. I also did ask XXXX for the paper that list all purchased transactions and they given me a hard time about it and never given me the information.i called numerous times and this issue hasnt been resolved. XXXX also told me there was a phone number on the associated account that I didnt not recognize to be of my own. That same phone that was linked to this target card also appeared to be on my credit line report too. I had disputed that same phone number because that number is not mine. It is my mothers phone number. I think she had been the one to opened the account using all of my personal, sensitive information without my permission or knowledge. This is truly not an account that I given permission or had opened. I need help. This has damaged my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: VA

Complaint narrative:
I am filing a complaint against Experian and the U.S. Department of Education ( XXXX ) for failure to conduct a proper credit dispute investigation under the Fair Credit Reporting Act ( FCRA ). 

I disputed the accuracy of several U.S. Department of Education accounts reported by Experian, specifically accounts ending in XXXX and XXXX. These accounts incorrectly list the date opened as XX/XX/XXXX, even though my student loans were originally issued between XXXX and XXXX while I attended college. 

Experians response stated that the accounts were verified and updated, yet they did not provide : Any documentation or communication showing how or by whom the accounts were verified.

Any explanation of what information was updated.

This response fails to satisfy the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which mandates that the consumer be provided with the method and source of verification. 

Additionally, the reporting of a XXXX open date on loans originating in XXXX is factually inaccurate and misleading, as it artificially resets the delinquency date and extends the negative reporting period.

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 2025-10-15 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: GA

Complaint narrative:
It is really disappointing that the incorrect late payments continue to show up on my credit report today. I refreshed my browser and they are still there, which is causing me a lot of stress. I want the documents I sent to be properly reviewed so I can stop worrying about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: PA

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