vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute of charge off account and unauthorized transaction ( XXXX ) I am writing this letter in response to the above-referenced account. According to a letter I received from XXXX XXXX on XX/XX/XXXX This account was reportedly charged off and sold to a third-party collection agency. The letter also states that XXXX XXXX will no longer accept payments from this alleged debt. If you have in fact sold this debt, you are no longer the legal owner and therefore have no legal authority to collect, accept payments, or report a balance owed. Also this alleged debt is showing different payment history on transition XXXX  and Experian, which is another violation of my rights. 
On XX/XX/XXXX WITHOUT my permission XXXX XXXX collected {$200.00} from my savings account as a payment towards this alleged debt. Which is also a violation of my rights. 

Under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), it is a violation to misrepresent the character, amount, or legal status of any debt. Additionally, continuing to report or collect on a debt after it has been sold may constitute fraudulent misrepresentation and a violation of both FDCPA and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which mandates accurate credit reporting. 

It is also in violation of Electronic Fund Transfer Act ( XXXX ) and its implementing regulation, Regulation XXXX ( XXXX C.F.R. XXXX ). Which states a company can not withdraw funds without your permission. 

This is hurting me and my family well being and stopping us from purchasing a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize any credit application with this entity. This appears to be an unauthorized or fraudulent inquiry. 
XXXX. Ally Financial XX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for financing through Ally Financial on this date. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for a loan through XXXX XXXX . 
XXXX. Ally Financial XX/XX/XXXX ( XXXX  ) Reason for removal : Duplicate/unwanted inquiry I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for credit with XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for auto financing with XXXX XXXX XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply with this dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize any credit application with this entity. This appears to be an unauthorized or fraudulent inquiry. 
XXXX. XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for financing through XXXX XXXX on this date. 
XXXX. Exeter Finance LLCXXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for a loan through Exeter Finance . 
XXXX. XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : Duplicate/unwanted inquiry I did not authorize. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for credit with XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for auto financing with XXXX XXXX XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply with this dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX25 - Payment was made to account. Account was credited but the credit limit was not adjusted. 

XX/XX/XXXX25 - Called customer service and they agreed with the error. They tried to escalate and fix the issue. The issue is the payment was credited but the credit limit was not adjusted. This account charges rent to your credit limit. Therefore my rent payment would not go through because wells fargo system had reflected the payment. They explained there was no other way to pay the rent payment. 

XX/XX/XXXX25 - The issue was still not fixed. My rental company charged me a late fee XX/XX/XXXX - Issue fixed but late fee not able to be reversed XXXX - Contacted again. Wells fargo and bilt have both admitted it being a technical issue on their end. But will not pay the fee they caused.

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 2025-08-06 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: NV

Complaint narrative:
Legal References : 15 U.S.C. 1666b, 15 U.S.C 1681a ( 2 ) ( A ) ( i ), 15 U.S.C 6802, and 15 U.S.C. 1637 ( b ) To Whom It May Concern, I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Disputed Account Details : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, and XX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines.

Legal Grounds for Dispute : 15 U.S.C. 1666b : Mandates a minimum 21-day grace period before a payment can be reported as late. 
15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly.

15 U.S.C. 6802 : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act.

15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation.

1. Immediate reinvestigation of the reported entries.

2. A written summary of the results. 
XXXX. An updated copy of my credit report reflecting any amendments made. 
Thank you for your prompt attention to this matter and for maintaining the integrity of consumer reporting systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of identification, these FTC complaint a copy of the XXXX report showing my information being exposed in a natural data base and a validation of debt letter

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 2025-08-06 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
b'I am filing this complaint against XXXX  for reporting inaccurate, incomplete, and materially misleading information in violation of the Fair Credit Reporting Act (FCRA), includingXXXX15 U.S.C.  1681e(b)  failure to maintain maximum possible accuracyXXXX15 U.S.C.  1681i(a)(5)  failure to correct or delete disputed, unverifiable, or incomplete dataXXXX XXXX XXXX XXXX I mailed a detailed dispute letter to XXXX via certified mail, using tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  This letter listed 17 specific accounts that contain inaccurate or misleading information and included documentation such as court summonses for accounts currently in litigationXXXX has failed to correct or update the following tradelinesXXXX Disputed Accounts with XXXXUPSTART XXXX XXXXXXXX   In litigation (XXXX XXXX XXXX XXXX XXXX, Case No. XXXX); not labeled as such.XXXX XXXX XXXX  In litigation (Case NoXXXX XXXX XXXX fails to reflect this.XXXX XXXX XXXX)  Inconsistent dispute notations and reporting compared to other CRAsXXXX XXXX XXXX   Derogatory tradeline with unresolved dispute status.XXXX XXXX  Charged-off with $XXXX  balance; accuracy of continued reporting is disputedXXXX XXXX  Dispute notation missing; status inconsistent with other CRAs.XXXX XXXX XXXX   High credit mismatch and inconsistent dispute statusXXXX XXXX XXXX XXXX XXXX  Closure reason unclear; possible derogatory flag in errorXXXX XXXX XXXX XXXX  Listed as paid but may still negatively affect my score.XXXX XXXX XXXX  Tradeline appears duplicated or partially reported; inconsistencies across CRAsXXXX XXXX XXXX XXXX  Reported only by XXXX; possible incomplete file with XXXXXXXX ViolationsXXXXFailure to report litigation for UPSTART and XXXX  = 1681e(b) violationXXXXDispute status inconsistencies = 1681iXXXXDuplicate, outdated, or contradictory account info harms my creditworthiness and violates the FCRAXXXXNo proper verification or correction within 30 days'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-06 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
According to 15. U.S.C 1692 ( C ) they have violated my rights by lawful communication please remove this collection off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-06 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: MI

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-08-06 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: WI

Complaint narrative:
b'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 non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I contacted this company last month and let them know that I am the victim of identity theft and I noticed inaccurate information on my report with them. They stated that I could let them know the information that was accurate over the phone and it would be removed. They send me correspondence on XX/XX/year>2025 letting me know that my report was updated only to find that the information that was requested to be removed was not and also more inaccurate information was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX XXXX XXXX XXXX {$6800.00} Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX ( the company being complained about ) confirmed in writing [ attach screenshot ] that I could add a line to my legacy plan for $ XXXX/month. After I accepted, they retroactively denied the agreement exists and pushed me to a XXXX  plan. This bait-and-switch violates consumer protection laws. I demand they honor the original terms immediately. The phone number provided to me by XXXX, before they force removed it from my statement, was XXXX. This removal shows up as an event in the Account History. The Order # that XXXX gave me for this consummated agreement was XXXX. Location Code is XXXX. My main XXXX XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Funds missing from my account. Wells Fargo says I physically made the transaction in a state I dont live in, in a city Ive never been to in my life. Wells Fargo refuses to help and is covering up this fraudulent activity. They say I made this transaction at an atm located at XXXX XXXX XXXX XXXX. Ive never been to XXXX XXXX XXXX in my life and this address ( according to XXXX XXXX  ) is not even a real address. The date associated with this transaction is XX/XX/year>2025. I have filed a police report and Wells Fargo has done absolutely nothing except say that I am a liar. But I have proof that I was not in XXXX XXXX, nor have I ever been to XXXX XXXX and I for sure did not make an atm withdrawal at an atm that doesnt exist.

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 monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
Experian has failed to fulfill legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. these failures align with my experience 's where Experian has neither corrected nor removed disputed items despite the evidence I provide provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Experian in action, violates federal law and my rights as a 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 2025-08-06 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Mariners finance company is calling me on my job. The bill is behind XXXX behind on payments. I have the bill in a consolidation company. I need this company to stop harassing me on my job. Can you make this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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