vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a check from the state of XXXX, but was made out to my maiden name XXXX XXXX. I deposited the check in the ATM, and a XXXX  day hold was placed on the deposit. After the XXXX days, I was told that they would not honor the check because it was not made out to my name, even though I have held accounts with them since before being married and all demographic information from the account matched the check. They informed me that I would need to request another check. Not only was that the only money I have for the next XXXX months weeks, the bank could clearly match my maiden name to the check.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've been paying off an account I opened with Wells Fargo starting XX/XX/XXXX for the last year and a half. My initial balance was {$14000.00} and as of my XX/XX/XXXX statement, I had it paid down to {$6200.00}. The month after, XX/XX/XXXX, I noticed I had a new {$5900.00} interest charge that seemed to come out of nowhere for me. I called Wells Fargo about it, and they explained it was an expired promotional period since I didn't pay off the balance in full by a certain date. I didn't realize this was a stipulation, and when I went back to see where the verbiage was, I found the notice on the XXXX page of the statement in a small box, sandwiched between XXXX other small boxes. 

This felt obviously predatory to me, I called and asked them if I could pay off the balance in full if they lose the interest fee, and they declined to help me. I'm doing whatever I can to not pay an extra {$5900.00} on a {$14000.00} project, as that's over XXXX XXXX of the original cost, while I've been paying every month and keeping up with it. I have never dealt with this type of promotion before, and wasn't expecting such a charge for seemingly no reason on my end.

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 2025-08-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$360.00}

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 2025-08-13 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal Method of Verification request under FCRA 611 ( a ) ( 7 ) to American Honda Finance regarding an auto loan reported as a {$9900.00} charge-off. The vehicle remains in my possession and no repossession occurred. 
I requested the original signed contract, full payment history, Date of First Delinquency ( DOFD ), and documentation supporting the charge-off. No proof has been provided. 

This account shows severe delinquencies and an active lien with no valid recovery effort. I also possess a XX/XX/year> payoff letter from Honda, but they refused to process the payoff due to alleged repo status that never happened. This is inaccurate and unverifiable reporting harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened a new Citizens Bank account on XX/XX/year> under a {$400.00} promotional offer. The offer terms, displayed in my online banking account, state : Deposit {$1000.00} one time within 60 days of account opening. 

I met all eligibility requirements of the offer, including having no open Citizens Bank accounts within the past 23 years. This meets the stated condition that no account could be open within the past 6 months or 1 year ( depending on the promotion version ). 

On XX/XX/year>, I made a qualifying direct deposit of {$1000.00} into the account, meeting the deposit requirement in full. Despite meeting all terms and eligibility requirements, Citizens Bank has refused to issue the {$400.00} bonus. 

I have contacted customer service multiple times, provided proof of my qualifying deposit, and received no resolution. The offer terms remain visible in my account, confirming the deposit requirement and my eligibility. 

This is a failure to honor a documented promotion and constitutes breach of contract and an unfair or deceptive act or practice ( UDAP ). I request that Citizens Bank credit my account with the {$400.00} bonus immediately and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomp
liance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And to each debt collector listed below : XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Receivable Management Re : Combined FCRA Dispute and FDCPA Debt Validation 15 U.S.C. 1681i, 1681s-2, 1692g Dear Credit Bureau and XXXX Collector, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit reports from Equifax ( dated XX/XX/XXXX ) and TransUnion ( dated XX/XX/XXXX ), I found the following items to be inaccurate, unverifiable, and/or not mine : Disputed Accounts Equifax XXXX XXXX XXXX {$2500.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$260.00} Reported XXXX. XXXX, XXXX Source Receivables Management {$400.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$3000.00} Reported XXXX. XXXX, XXXX The XXXX XXXX {$1000.00} Reported XXXX. XXXX, XXXX Basis of Dispute : These accounts lack proper verification of ownership or contractual obligation. 

Some may be the result of errors, identity theft, or inaccurate reporting.

Without complete, verifiable evidence, these entries must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

To the Credit Bureaus : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item. If you can not obtain verification from the furnisher, you must delete the item from my credit file. 

To the Debt XXXX : Under 15 U.S.C. 1692g ( b ), you must provide the following within 30 days of receipt of this letter : The original creditors name, address, and account number. 

A copy of the original signed contract or agreement. 

A full accounting and payment history from the original creditor. 

Documentation showing you are licensed to collect in my state. 


If you can not provide this information, you must cease all collection activity and request deletion from all credit bureaus. Any continued reporting of unverified debts is a violation of 15 U.S.C. 1692e ( 8 ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Bank is Chase Auto My car loan was paid in full newrly XXXX monts ago but bank hasnt released title to XXXX  XXXX XXXX  allegew additional fees were charged to account which needs to be paid thet i believe may be fraudulent or fully inaccurate I requested an accounting of when and why these fees were charged since the inception of the loan through day last car loan payment was received but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I have disputed this time and time agin and it keeps being reported to my account after it has been closed and the character has been resold ive asked for it to be removed XX/XX/year> and a few other times on the cfpb im asking for records of how this is being investigated

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I understand that Capital One has charged off this account. However, the last 16 months that theyve refused to respond to even the most basic of requests and I would still be interested in a response along with a couple of additional requests I hope will help us conclude the matter as quickly and amicably as possible. I have yet to complete a full accounting or what was stolen, double charged across numerous accounts, or demonstrably fraud over last two years. If at all possible, it would be extremely useful to me if Capital One could provide me with following for dates ranging from XX/XX/XXXX XX/XX/XXXX : the manual transactions that have occurred across my two accounts, the dates and times my cards were frozen and unfrozen, requested, shipped and activated, notification on the outcome of dispute resolution Ive been requesting for over a year. Transaction histories would be a major convenience on my part as well if Capital One is capable of doing so. I again wish to apologize to Capital One, as a 15+ year customer with an XXXX XXXX XXXX and 10 plus years of perfect account history, I was naive regarding what constituted legitimate business decisions and legitimate oversights vs banking fraud and theft requiring serious response, inquiry, and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
On or around XX/XX/year>, a collection account from XXXX XXXX XXXX in the amount of {$100.00} was added to all three of my credit reports without any prior written communication or debt validation, as required under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). The original creditor is listed as ATT/Uversebut I was never notified of this debt or given a XXXX opportunity to validate or dispute the claim before it was reported. This reporting has caused a significant and unfair drop in my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and that this item be removed from all credit bureaus if the debt can not be fully validated with original documentation, including the signed contract, billing statements, and notice of collection. I never received a written notice from the collector, as required by law. If this collection can not be validated with documentation that proves the debt is mine and was properly assigned, I am demanding its immediate removal under FCRA Section 611.

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