vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
Sunbit provided financing on behalf of vendor " XXXX XXXX XXXX '', a mobile mechanic small business for the work they performed on my XXXX XXXX XXXX in XX/XX/XXXX. Due to predatory services, XXXX XXXX XXXX installed all XXXX ( XXXX ) brakes and pads on my truck with no indication of preexisting repairs needed ( which were present - Axel leak ) and their ability to compromise the new brakes. 

After XXXX months, by XX/XX/XXXX, I reached out to XXXX XXXX XXXXXXXX again noting the failure of the brakes installed, and they sent out a technician to replace all brakes and pads again. This time, the tech noted the preexisting needed repairs and how there was " contamination '' on the brakes from the axel. The XXXX technician noted this ( XX/XX/XXXX ) and replaced all brakes and pads, the XXXX technician did not mention nor note this and completed the brake job and was aware that the preexisting needed repair issues were present. 

As of XX/XX/XXXX, I have filed XXXX ( XXXX ) complaints with Sunbit as the lender for XXXX XXXX XXXX, as they were negligent of vetting them as a reputable company, as XXXX XXXX XXXX provided predatory services to a vehicle that either XXXX ) was not appropriate to provide the initial service on the XXXX XXXX XXXX due to the preexisting repair needs or XXXX ) Did not provide quality materials. 

I have also offered to provide the evidence to substantiate the poor quality of work, customer service and lack of consumer disclaimers prior to rendering services. 

To date, Sunbit ( lender ) has NO verifiable phone or address for XXXX XXXX XXXX, and the address listed on XXXX for their location in XXXX, XXXX  is false. Sunbit can not reach XXXX XXXX XXXX  via phone nor verify their business. Sunbit is not taking responsibility in any capacity for lending on behalf of XXXX XXXX XXXX, and continue to send generic responses to me, the customer, referring me back to XXXX XXXX XXXX, who has no supervisor, no customer service department, XXXX employee, XXXX, who is rude, curses when talking to customers, and hung up on me mid-sentence yesterday, XX/XX/XXXX, after I reached out again at the instructions of Sunbit. 

Sunbit 's negligence has led to me as a customer being preyed on as a consumer by XXXX XXXX XXXX, and neither company will take responsibility. At this time, neither company has try to resolve the issue, my truck is now unsafe XXXX XXXX ( reported by XXXX ), my vehicle is requiring a complete brake job again with a XXXX period after having XXXX complete brake jobs by XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
The offending company is Good Leap. They have my current contact information and not only do they harass me via phone, letters taped to my door, emails, they have also resorted to calling a family member everyday for XXXX weeks who has nothing to do with my account. As I understand per fair debt collection practice, third party calls shall only be made to ones parents if the payee is a minor and if a third party is contacted, it should be XXXX time. I am not a minor and XXXX weeks of phone calls to a third party is abusive. Harassing me and third party members is poor behavior and I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have been charged a fee monthly for many months on an account. They stated this was a dormancy fee that is charged. They stated they sent a letter and that dormant fees cant be recovered. 

A letter was only sent once and then they systematically started draining the account. The account was set for electronic statements. The XXXX letter was the only notice provided before they started the monthly fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion is reporting false, inaccurate, or unverifiable information on my credit reports with XXXX or more consumer reporting agencies ( Experian, Equifax, and/or TransUnion ) XXXX 

I have previously disputed this information directly with the credit bureaus and with the credit union, providing documentation that demonstrates the inaccuracy. Despite these disputes, the credit union has failed to investigate, correct, or delete the incorrect data as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, the credit union appears to be in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information to a consumer reporting agency that the furnisher knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to update and correct information known to be incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete information after receiving notice of a dispute from a credit bureau .

15 U.S.C. 1681i ( a ) ( 1 ) Failure of the consumer reporting agency or furnisher to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

As a result of these violations, my credit report reflects inaccurate information that is negatively affecting my credit score and ability to obtain credit, housing, or other financial opportunities.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require TransUnion to : Conduct a thorough investigation into the disputed account ( s ) ; Provide documentation verifying the accuracy of all information being reported ; Delete or correct any information that can not be fully verified ; and Provide written confirmation to me and the credit bureaus of the corrections made. 



I am attaching supporting evidence including copies of my credit reports, dispute letters, and correspondence with the credit union and the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
PLEASE BLOCK AND REMOVE. 
The continued reporting of this account has led to emotional strain and mental exhaustion. Documentation is enclosed for verification and removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Victim of identity theft and fraud as a result of data breach. Fraudulent activity occurred on credit cards due to exposure of data breach. Uncertain of exact dates. I just know the balances are much higher than I used and accounts went to closed status which are negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
Victim of identity theft and fraud as a result of data breach. Fraudulent activity occurred on credit cards due to exposure of data breach. Uncertain of exact dates. I just know the balances are much higher than I used and accounts went to closed status which are negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I would like the inaccurate items to be removed or corrected, and for the credit bureaus and furnishers to provide documentation verifying the accuracy of the disputed information. If they can not verify it, I request that the items be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). I also request an updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the maximum possible accuracy required by law. These errors are causing significant and ongoing harm to meboth emotionally and financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Navient Solutions, LLC.
State: NM

Complaint narrative:
I was a confirmed participant in the Navient Student Loan Class Action Settlement ( Case No. XXXX ) approved by the XXXX XXXX XXXX in XXXX XXXX Under that settlement, my private student loan ending in XXXX was fully XXXX and dismissed effective XX/XX/year>. 

Despite this, Navient and/or its affiliated reporting entities continue to verify this account as active or delinquent with XXXX or more credit bureaus. This is inconsistent with Navients internal records and violates the Fair Credit Reporting Act. 

I am attaching a letter from Navients Compliance & Account Services Department, confirming that my account was formally discharged and dismissed in full under the class action settlement and should not appear on any consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: SC

Complaint narrative:
I hope this message finds you well. I am writing to follow up regarding my case, number XXXX, which I discussed with someone on XX/XX/year>. The required information is provided at the bottom of this message. As mentioned, the funds were transferred to a fraudulent account and were not sent to XXXX or me. I have formally requested that the funds be sent to me via check or bank-to-bank transfer. Additionally, I would like to confirm that all necessary documentation, including bank statements and email correspondence, was sent to Cash App on XX/XX/year>. Please let me know if you require any further information or documentation to expedite the resolution of this matter. These are the following questions that I have answer and nothing has been done to fix this. My bank have file a charge back but Cash App fail to give the funds bank to my bank. I am requesting the funds be sent to my bank or send via mail. I am sending email that shows proof of this as well as my military orders that shows that I was XXXX XXXX during the time. Which I was station there for XXXX years. XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX noticed it I was in XXXX XXXX XXXX ) $ XXXX, $ XXXX, $ XXXX, user name was created with my SSN and Name but was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: LA

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 XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$3100.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$300.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$6000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX & XXXX XXXX Account XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-10-22 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo continues to inaccurately report my account ending in XXXX as charged off, settled for less than balance owed, despite my documented settlement agreement and full payment of {$6500.00} on XX/XX/year>, which reduced the balance to {$0.00}. The letter dated XX/XX/year>, from Wells Fargo confirms the settlement in writing. However, XXXX XXXX continued reporting of the tradeline as charged off is misleading, incomplete, and materially inaccurate under multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

In their most recent response, XXXX XXXX XXXX XXXX XXXX, Government XXXX XXXX ( SAGE ) Office reiterated that it was not part of the settlement offer to remove all negative reporting and that they are obligated to continue providing that the account was previously charged off. However, this justification fails to comply with the FCRAs requirements for complete and accurate reporting. Specifically : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a settled account as a continuing charge-off misrepresents its current status.

FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update information so that it remains complete and accurate ; XXXX XXXX failure to remove derogatory charge-off language after settlement violates this. 

FCRA 1681i ( a ) ( 1 ) mandates a reasonable reinvestigation of disputed information. Wells Fargo has repeatedly recycled prior responses without conducting a meaningful reinvestigation, violating this section.

FCRA 1681s-2 ( b ) requires furnishers, upon notice of a dispute from a consumer reporting agency, to review all relevant information and modify, delete, or block inaccurate data. XXXX XXXX refusal to update the account to reflect XXXX - XXXX without derogatory charge-off language constitutes willful noncompliance. 

FCRA 1681e ( b ) requires consumer reporting agencies to maintain procedures ensuring maximum possible accuracy. XXXX XXXX communication of inconsistent or outdated data to the bureaus directly undermines this standard. 

Despite multiple CFPB cases ( XXXX, XXXX, XXXX, XXXX, and XXXX ), Wells Fargo refuses to correct its reporting and continues to XXXX XXXX the account, causing ongoing and unjustified harm to my creditworthiness and reputation. Their final response demonstrates disregard for their statutory obligations under FCRA XXXX and 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