vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am contacting you to formally dispute the collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. I dispute the accuracy and completeness of this account and request a thorough investigation into its legitimacy.

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 2025-06-30 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: WI

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 non-monetary relief
Consumer complaint received 2025-06-30 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: WI

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 2025-06-30 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: VA

Complaint narrative:
Please check the information concerning Equifax data breach below in attachments

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of two specific accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, you are required to conduct a reasonable reinvestigation of any information I dispute, and under 15 USC 1666b, creditors must follow strict timelines and protocols for accurate billing. 

XXXX XXXX XXXX  Account Ending in XXXX Nature of Dispute : XXXX, XXXX, and XXXX late payments reported inaccurately. 
Issue : Payment history across the three bureaus is inconsistentXXXX XXXX shows the account as Current yet includes delinquency codes. XXXX  and XXXX  report late payments during the same time period, but the dates and days late are inconsistent and unverifiable. Violation : - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. - FCRA 1681i ( a ) ( 5 ) : Inability to verify information must result in deletion.

- TILA 1666b : Failure to properly apply payments and assess due dates. 

XXXXXXXX XXXX XXXX XXXX Account Ending in XXXX Nature of Dispute : Multiple late payments reported even after account closure. 
Issue : Account shows " Closed '' but continued reporting of late payments and balance updates after closure violates accuracy guidelines. XXXX  also tags the account with CBG ( Cancelled by Grantor ) while still listing a balance of {$6500.00}, conflicting with closed status.

Violation : - FCRA 1681s-2 ( b ) : Furnishers are required to correct and update information. 
- FCRA 1681c ( a ) ( 4 ) : Negative items over 24 months are outdated and misleading.

- FDCPA 1692g : Continued reporting without full validation or substantiation is unlawful.

Demand for Immediate Action : I demand that you initiate a full reinvestigation into these accounts. If the furnishers can not produce verifiable and complete records including payment ledgers, original signed contracts, and itemized billing statements within 30 days, you are legally obligated to delete these tradelines from my credit file under 15 USC 1681i ( a ) ( 5 ) ( A ).

I do not consent to merely marking these items as " disputed. '' This letter serves as formal notice that inaccurate or unverifiable reporting is causing demonstrable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
Today ( XX/XX/year> ) I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I am requesting that these inquiries be removed as it was not authorized by me, and therefore violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681b ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: FL

Complaint narrative:
XXXX XXXX inquiry, date XX/XX/XXXX., they ran my credit without my consent. 

XXXX XXXX XXXX, Credit inquiry date XXXX, ran my credit with out my consent. 

XXXX XXXX inquiry date XX/XX/XXXX, they ran my credit without my consent. 

XXXX XXXX XXXXXXXX XXXX XXXX inquiry : date XX/XX/XXXX they ran my credit without my consent. 

XXXX XXXX XXXX XXXX negative report on my credit, account closed paid in full. Date opened XX/XX/XXXX. Account information inaccurate, and negative on my credit. 

XXXXXXXX XXXX XXXX account number XXXX account fraudulent opened opened date XX/XX/XXXX account was suppose to be removed XXXX on XXXX. 


XXXX XXXX XXXX Date opened XX/XX/XXXX Account opened fraudulently, consumer stated they would remove, never removed. Account number : 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 2025-06-30 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: TX

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 2025-06-30 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: DE

Complaint narrative:
I am contacting you regarding a collection account listed on my credit report which I believe to be inaccurate and improperly reported. I have no records, correspondence, or confirmation of this debt, and I was never provided a right to dispute or verify the claim before it was reported.

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 2025-06-30 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:
In XX/XX/year>, I received a check from XXXX XXXX XXXX company. The check was for a fundraiser for my sons hockey team. We raised {$5500.00} and I deposited that check into my account. Wells Fargo said that the check was a falsified check and they were holding the money and closed my account without my permission and took all the money in it. I contacted double good to see if they could cancel the check and try to retain the money from the bank so that way we could just start over. Double good try to do that and apparently the bank declined to return the money. Wells Fargo has been holding onto this money for almost 3 years and its time for me to have my money back. I had to lay out {$5500.00} for a hockey team that I did not have.

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 2025-06-30 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: DE

Complaint narrative:
I am writing to challenge the validity of a collection account that has been reported on my credit file. I have not received any evidence or legally sufficient documentation to support the claim that I owe this debt. I do not acknowledge any financial responsibility for this 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 2025-06-30 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-30 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:
This letter is a formal dispute of a collection account currently reported on my credit profile. I believe this account to be inaccurate, outdated, and misrepresentative of my credit behavior. I have not been provided any verification or documentation to prove that this debt is valid or that I am legally responsible for it.

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 2025-06-30 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 filing this complaint against Experian for failing to remove unauthorized credit inquiries from my credit report, despite providing a formal dispute, valid documentation, and a Federal Trade Commission ( FTC ) Identity Theft Report No. XXXX. 

On XX/XX/XXXX, I submitted a dispute to Experian regarding multiple unauthorized inquiries that appeared on my credit report. I included a valid FTC Identity Theft Report, a copy of my government-issued ID, and proof of address. Despite fulfilling all requirements outlined under the Fair Credit Reporting Act ( FCRA ), Experian has failed to delete several inquiries that were clearly unauthorized and not initiated by me. 

In XX/XX/XXXX I sent a second dispute letter reiterating my demand for removal. I also requested the immediate blocking of these inquiries under FCRA 605B [ 15 U.S.C. 1681c2 ], which Experian is legally obligated to perform upon receipt of identity theft documentation. Additionally, Experian failed to verify these inquiries in compliance with FCRA 1681i and has not demonstrated that these creditors had permissible purpose as required under 1681b ( f ).

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 Experian has not provided any documentation proving that I authorized these inquiries, nor have they fulfilled their legal obligation to block them as required by 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a check that I thought was real so I deposited it into my account and kept track of my funds and the availability date. Everything was fine for almost a week until I logged in on XXXX XXXX XXXX and it said my account was locked and gave me a number to call. When I called I was told that my account will be closed due to suspicion of fraud and that my original funds prior to the check would be sent to me. I called again on XXXX XXXX and asked if it was possible for me to have a tracking ID on my check, but the teller told me that my account was under investigation. I asked when would that be resolved and I was told within 7-10 business days. Its XXXX XXXX, Ive been calling since and now Im being told that the investigation hasnt been looked at so I just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to request the removal of a collection account currently appearing on my credit report. Those account reported is being contested under the Fair Credit Reporting Act and Fair Debt Collection Practices Act due to its questionable accuracy and failure to be validated upon request.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I believe the account is invalid. CREDIT COLLECTION ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their recordsXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
around XXXX XX/XX/year> I was trying to checkout on a website for an engagement ring that was a little over XXXX. The first transaction was declined and I received a text. I said YES, waited a few minutes and tried again. 

So I tried a third time which was declined. And according to the bank when that happened it was because the website I was buying from declined it. So I spoke to the website and we went through a process and all should have been good. But when I tried to purchase again it was declined ; I signed into my online bank and saw that they declined it. 

So I called the bank again and after some back and forth they eventually told me I had to go into a physical bank and verify myself. It was XXXX over here, that's insane. I had the credit, I was concurrent on all payments, and they have no right to withhold my purchase just because they feel like it. They charge me fees and interest all the time. I have the right to use my credit card when I please. Especially after verifying myself.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I did not request any information, products, or services from these companies. 
I never applied for credit, financing, or gave authorization for them to access my credit report. These inquiries were made without my consent or knowledge, and I am disputing them as unauthorized. 

Im requesting that these inquiries be investigated and removed from my credit report, as they are negatively impacting my credit score and may be a result of fraud or a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I purchased a used vehicle through XXXX XXXX XXXX, financed by Consumer Portfolio Services ( CPS ). Without my consent or full disclosure, dealership staff added over {$3000.00} in aftermarket products including a XXXX XXXX XXXX XXXX and Total Loss Protection addendum to my financing agreement. 

I never authorized the cancellation of these products. However, I later discovered a {$2300.00} credit was applied toward the loan balance without my written permission or prior notice. This credit was issued after I submitted complaints regarding unauthorized add-ons and suspected contract forgery. 

I also requested verification of whether a Power of Attorney ( POA ) was ever signed by me at the time of sale. To date, CPS has failed to provide this documentation. A representative recently confirmed that CPS is still seeking internal legal approval to issue a written statement that no POA was provided. 

Despite these unresolved issues, I believe CPS prematurely closed my complaint after the credit adjustment, without completing a proper investigation. I am requesting that CPS provide a final written statement confirming ( 1 ) whether any POA was submitted with the contract, and ( 2 ) the basis for applying a credit to my account without my consent.

Company response to consumer: Closed with explanation