vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion, Equifax, and Experian for continuing to report inaccurate, unverifiable, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Accounts : XXXX. XXXX XXXX XXXX Charged-off account ( {$9500.00} ) XXXX XXXX  XXXX XXXX Charged-off account ( {$12000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account ( {$570.00} ) XXXX XXXX XXXX XXXX XXXX XXXX Repeated late payment history XXXX 5. Dept. of Education XXXX XXXX XXXX XXXX  Reported 90120 day late payments during periods of deferment all 3 bureaus Nature of Complaint : - Furnishers and CRAs failed to verify the accuracy of the reported data.

- No evidence of contractual obligation, billing statements, or signed agreements were provided.

- My disputes were ignored or met with generic verified responses lacking documentation.

- Late payments reported outside of FCRA-compliant grace periods.

Legal Basis : - FCRA 1681i Failure to properly reinvestigate disputed information - FCRA 1681s-2 ( b ) Failure of data furnishers to investigate and correct - FCRA 1681e ( b ) Inaccurate reporting without reasonable procedures - FCRA 1666b Violation of mandatory payment grace periods - FCRA 1681c ( a ) ( 5 ) Reporting obsolete information

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received information about the XXXX XXXXXXXX XXXX XXXX, which indicated it was opened in XXXX but not used until XX/XX/XXXX through XX/XX/XXXX. It was revealed that charges and minimum payments were made from my accounts by my accountant, who had received the XXXX XXXX card, taken possession of it, and had cleverly used it a few months before leaving for XXXX, leaving me with a {$50000.00} balance. 

However, Wells Fargo has failed to provide proof that I applied for the XXXX XXXX XXXX. At the time, as a Wells Fargo customer, I had applied for and received a regular credit card, a business credit card, and a business line of credit. 

Each had a specific application form indicating its purpose and the amount of approved credit, all of which bore my hand-signed signature. The electronic application sent from Wells Fargo has an electronic signature that does not resemble my handwritten signature. And, it does not indicate which credit card the application is for. 
I believe someone at the branch took my information and issued the promotional credit card for their commission gain. Wells Fargo has written off the debt but still wants to collect on it. Wells Fargo 's actions have caused me great pain and suffering due to lost financial opportunities resulting from my credit score, which is a direct consequence of their negligence and greed.

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 2025-06-17 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued reporting of a charge off/ a profit loss inquiry account by XXXX XXXXXXXX XXXX on my Experian credit report account. This account originates from XXXX XXXX, which was a charged off/ a profit loss since Tuesday, XX/XX/scrub>, 2025. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written validation of the debt within five days of initial communication.

To date, I have not received any written notice, detailed itemization, or verification of the alleged debt, nor a copy of IRS Form 1099-C, a payment agreement, or written consent bearing my signature authorizing XXXX  XXXX XXXX , to report this debt to any credit bureau . On Tuesday, XX/XX/scrub> 2025, at XXXX XXXX, I reviewed my Experian member account, and I noticed a new inquiry was placed where all of XXXX XXXX inquiries were once reported onto my credit report. This inquiry was supposedly reported on XX/XX/scrub>/2025. However, I attempt to file a dispute online, but I didnt have the option of disputing this error. 

This is inconsistent with previous credit report entries from Experian, which showed the account as a charge off by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), consumers have the right to dispute incomplete or inaccurate information on their credit reports. Credit reporting agencies are required to investigate the disputed information and respond within 30 days. The continued reporting of this account without proper documentation may violate my rights under both the FCRA and FDCPA.

Therefore, I am requesting the following : 1. Immediate written verification of the alleged XXXX XXXX XXXX XXXX debt , including full itemization of charges, dates, and payment history.

2. Evidence of my written authorization or consent allowing XXXX XXXX XXXX to access or report any of my personal credit information. 
3. Immediate removal of the account from all credit bureaus if the above documentation can not be provided.

4. A written response detailing your findings and the actions taken because of this formal dispute.

Failure to comply with these federal mandates may result in further action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, legal remedies.

Thank you for your immediate attention to this matter. I expect your response and full compliance with applicable federal laws within the legally mandated timeframe.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-17 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: Carvana Group, LLC
State: TN

Complaint narrative:
I am the owner of a vehicle originally titled in Georgia. I paid off the loan and received a lien release. However, the Georgia XXXX has informed me that the title was removed from their records following a transfer initiated to Tennessee. 

I contacted the XXXX XXXX XXXX, who confirmed that on XX/XX/year>2022, Tennessee notified Carvana that action was required to complete the title transfer. Carvana never responded, and as a result, Tennessee never received the title, and Georgia deleted their record assuming the transfer would complete.

The vehicle is now in legal limbo- it can not be titled, registered, or sold in any state due to the negligence of Carvana. I have been on the phone with escalations who has simply given me the runaround and informed me to call back and that they " hopefully '' will have a resolution in 24hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I reviewed my credit report, and I have formally disputed fraudulent accounts that have appeared on my credit report. These do not relate to any transactions that I have made and after careful review, I determined these accounts are a result of identity theft. I have taken the necessary steps to address this issue, including filing a report with FTC which will be included

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUN TS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$14.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-17 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:
Around XX/XX/year> coming from a Valentines day trip, landing in XXXX. I took a XXXX back to my residents. Long story short my wallet with my ssn card, id, credit cards and other information was left behind falling out my bag. Once I found out I contacted XXXX and notified them. The next day XXXX called and said they retrieved it but I never heard from them or they never gave me information on how to retrieve it. I immediately canceled all credit and bank card and got new ssn and ID cards. It wasn't until I looked at my credit report some time after and seen different accounts that I never authorized or signed for. Thats when I knew for sure my information had been used in identity theft. 
I would like help to fix this issue. I also have Incident Report from my local police department as well as FTC Identity theft report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-17 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 formally challenging the accuracy, validity, and legal basis of the information currently appearing on my credit report. This includesbut is not limited toinaccurate personal information, unverifiable accounts, unlawful inquiries, and derogatory data that has been reported without proper evidence or permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) XXXXi ( a ), and as required by the Metro 2 Compliance Standard, you are legally obligated to maintain accurate, complete, and verifiable information. Any failure to do so constitutes willful noncompliance, which I do not take lightly. 

I am demanding : A full investigation into all the disputed items listed below Physical documentation proving permissible purpose, consumer consent, and lawful reporting Permanent deletion of any item that can not be verified to the standard of maximum possible accuracy An updated copy of my credit report once corrections are completed If you can not provide physical and verifiable proof, you must DELETE these items immediately to avoid further legal exposure. 

Disputed Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record ( Must Be Removed ) : XXXX XXXX XXXX Disputed Inquiries ( No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by law to complete your investigation within 30 days of receipt of this letter and provide the results in writing. I expect your full compliance and a complete response outlining actions taken, along with a clean copy of my updated 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally challenging the accuracy, validity, and legal basis of the information currently appearing on my credit report. This includesbut is not limited toinaccurate personal information, unverifiable accounts, unlawful inquiries, and derogatory data that has been reported without proper evidence or permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) XXXXi ( a ), and as required by the Metro 2 Compliance Standard, you are legally obligated to maintain accurate, complete, and verifiable information. Any failure to do so constitutes willful noncompliance, which I do not take lightly. 

I am demanding : A full investigation into all the disputed items listed below Physical documentation proving permissible purpose, consumer consent, and lawful reporting Permanent deletion of any item that can not be verified to the standard of maximum possible accuracy An updated copy of my credit report once corrections are completed If you can not provide physical and verifiable proof, you must DELETE these items immediately to avoid further legal exposure. 

Disputed Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record ( Must Be Removed ) : XXXX XXXX XXXX Disputed Inquiries ( No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by law to complete your investigation within 30 days of receipt of this letter and provide the results in writing. I expect your full compliance and a complete response outlining actions taken, along with a clean copy of my updated 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
CFPB Complaint : Fraud-Related Credit Card and Bank Account Activity What happened : I am submitting this complaint due to extensive financial losses I suffered as the result of an organized cybercrime fraud scheme conducted through a platform known as XXXX XXXX XXXX XXXX XXXX XXXX Over the course of several months, I was manipulated and coerced into transferring approximately {$69000.00} across multiple credit cards and bank accounts, including both personal and business funds, under false pretenses that I would be able to withdraw funds from the platform after completing specific deposit tasks. 

Despite complying with all demands which included VIP level upgrades, green channel activations, and fabricated fines for alleged violations my access to the promised funds was repeatedly denied and new barriers were introduced. 

I have extensive documentation showing the coercive and deceptive tactics used by the platform, including XXXX transcripts and communications with individuals claiming to be customer service and financial advisors. I am now left with crippling debt across several institutions, all incurred under fraud. 

I have filed an official cybercrime report with the FBIs Internet Crime Complaint Center ( IC3 ) : Submission ID : XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was closed by the bank for undisclosed reasons and at the time of the closure I had about {$16000.00} on my balance and a few weeks/months afterwards I received a check of {$12000.00} in the mail in XX/XX/year> and I havent received the Remaining balance {$3700.00} till date. 

I have tried to reach out to the bank several times and they havent given any decent response as to why theyre holding back the balance

Company response to consumer: Closed with explanation