vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The social security Department & DMV spelt did my namespace wrong and the website will not allow I to open an account of two capital letter name because name requires an eye verification and incompetent staff in social security Department & DMV spelt out two capital letter first name of given name instead of writing name by silent space character asset rule by the letters XXXX, space, and XXXX  I was assigned by state department with perfect credit through space character asset. I am the only citizen in the US of vital records and statistics with a two capital letter first name by copyright which permits a charge card with account and electronic verification of social security number doesn't verify identity correctly for I as I have a two capital letter first name asset for equal credit and it is spelt out on SSA ID namespace in appearence of three names where the first name spelt out isn't a verified single capital letter name of vital records and statistics as I have a two capital letter first name of copyright given name by the letters XXXX XXXX, and XXXX. So the incorrect namespace isnt even suppose to permit an account, but computer hackers permitted it an account with XXXX credit while theres no identity for that single capital letter namespace of the state as I have a two capital letter first name of US copyright assigned a US charge card because my name possess that space asset which is also US treasure. The 1st of 3 namespaces for my SSA account isn't supposed to be permitted and blocks my equal credit account of US government two capital letter first name. You have to look at it to see that it corresponds with the two capital letters of first name with surname.

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 2025-06-22 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: ID Analytics, Inc.
State: WI

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CBC Companies, Inc.
State: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX PH : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by ChexSystems : XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I am submitting this complaint under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently opened or initiated without my knowledge, consent, or authorization.

I submitted a formal 605B dispute to Experian, including all required documents : a notarized identity theft affidavit, my FTC Identity Theft Report, a copy of my government-issued ID, Social Security card , and proof of address. Despite being in full compliance with the legal requirements, Experian failed to block the accounts and inquiries as required by law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian has failed to comply with its obligations under Section 605B. I am requesting immediate intervention by the CFPB to enforce my rights and ensure these fraudulent items are blocked and removed as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On or about XX/XX/year>, I requested from Transunion the removal of medical debt in compliance with the CFPB Final Rule, which mandates that all medical debt be removed from consumer credit reports effective as of XX/XX/year>. I also sent a separate request, requesting the removal of outdated account Information Pursuant to FCRA, 15 U.S.C. 1681c. 

As of the date of this complaint, the medical bills remain of my credit report and the outdated accounts are not only allowed to remain on my credit report but still continue to be updated each month.

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 2025-06-22 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: PA

Complaint narrative:
I disputed a collection account with XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX. ), Account # XXXX. The account appears as a {$480.00} collection opened on XX/XX/XXXX, and scheduled to remain on file until XX/XX/XXXX. 
Rather than remove the item, the credit bureau marked the account as updated. However, the account 's structure and history appear altered : the repayment terms are shown as 1 month, and the payment history shows collections starting in XX/XX/XXXX and running through XX/XX/XXXX. This pattern suggests the account XXXX have been re-aged, violating FCRA XXXX ( c ). 
I was never provided updated disclosures for a new repayment structure as required under the Truth in Lending Act ( XXXX CFR XXXX ). No new contract or terms were disclosed or agreed to. 
This account is materially misleading as reported, and I have not received proof of lawful verification. I am willing to provide documentation of the credit report entries and my prior dispute.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate or Misleading Charge-Off Reporting on Credit Report Credit Report Date : [ XX/XX/XXXXXXXX  ] To Whom It May Concern : I am writing to formally dispute inaccurate and misleading information being reported on my credit file. The account in question is : Creditor USAA Charge-Off Date : [ e.g., XX/XX/XXXX ] Balance : $ [ XXXX ] This account was charged off in [ XX/XX/XXXXXXXX  ], as shown in the account history. However, the credit reporting shows a CO ( Charge-Off ) notation for every month from the original charge-off date up through XXXX. This repeated monthly reporting of the charge-off status is inaccurate, misleading, and causes undue harm to my credit score, as it gives the impression of ongoing delinquencies or repeated charge-offs neither of which occurred. 

Additionally, the status updated date of [ e.g., XX/XX/XXXXXXXX  ] is misleading and may cause confusion or unfair re-aging of the debt unless an actual update ( such as a payment or account activity ) occurred, which it did not. 

Under the Fair Credit Reporting Act ( FCRA ), credit information must be accurate, complete, and not misleading. Therefore, I am requesting that the following actions be taken : 1. Remove all monthly CO notations after the actual charge-off date. Only the original charge-off month should reflect that status.

2. Correct the status updated date to reflect only a legitimate account change ( e.g., date of sale, payment, or settlement if any occurred ).

3. Confirm the original Date of First Delinquency ( DOFD ) remains intact and is not being re-aged. 


Please investigate this matter and correct the record within the required 30-day timeframe. I would like a written response confirming the outcome of your investigation.

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 2025-06-22 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: WI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX 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 2025-06-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The company ( s ) reports on file are missing accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Attached to this complaint I have attached all bureaus dispute letters, Personal statement, and my full credit report so you can see all of my concerns on the report. only what Im disputing in the letters is what I need removed plus all inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.68C9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look at my Experian report on XXXX XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Subject : Harassment and Unfair Collection Practices by TD Auto Finance Dear CFPB, I am filing a formal complaint against TD Auto Finance regarding their aggressive and harassing conduct over my auto loan. I have missed XXXX payments due to financial hardship, and TD Auto has been calling me every day, including multiple times daily, even after I asked for help and requested they communicate respectfully and in writing. 
When I attempted to work out a solution and asked for the missed payments to be deferred or moved to the back end of the loan, TD Auto Finance refused unless I paid all accrued interest ( ~ $ XXXX ) for the past 90 days. I explained my current inability to pay that amount and requested a hardship plan or temporary relief, but they declined. Now they are threatening to repossess my vehicle. 
This conduct is excessive, aggressive, and unfair. I am trying to resolve this matter in good faith and need time and support, not pressure and threats. 
Requested relief : - Require TD Auto to offer a fair hardship or deferment plan - Stop daily harassment and phone calls - Suspend any repossession actions while a resolution is being negotiated Thank you for reviewing my complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: LEXISNEXIS
State: MN

Complaint narrative:
The company ( s ) reports on file are missing accurate information.

Company response to consumer: Closed with explanation