vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-23 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NM

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/2025 with tracking # XXXX it shows the delivery date of XX/XX/2025 at XXXXXXXX XXXX in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$0.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/2025 which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have include a letter in the attachments that describes the entire description of the billing dispute on my " My Best Buy Credit Card ''. Please review that letter. This dispute has been open for more than 12 months and has been reopened a couple of times due to improper resolution. I have not been credited back properly. 

After mailing this letter and evidences to the Dispute Team, I received confirmation from Best Buy Via a Letter dated on XX/XX/year> that I will be issued merchant credit amount totaled to {$400.00} on a crediting date of XX/XX/year>. 

I had not received that merchant credit by XX/XX/year> so I called Best Buy Dispute customer service team, and they mentioned that the credit will be issued at the statement closing date and to call back on XX/XX/year> to check on the status. 

I called the Best Buy Dispute customer service team this morning on XX/XX/year> and they still are mentioning that they do not see a credit pending in the system and to try calling back on XX/XX/XXXX. 

As of now I have had no progress in getting this billing dispute resolved properly and need help.

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 2025-10-23 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
I purchased a used old model XXXX from XXXX XXXX on XX/XX/year>. The original balance was {$4800.00} with an ending balance of {$3400.00}. I had to take the vehicle back to XXXX XXXX weeks later to have repairs done on it The repairs were fixed and I drove the car back home. My payments were {$95.00} a week for 18 months. I lost my job due to plant closing. I told XXXX XXXX I wanted to return the vehicle because I couldn't make the payments but I was told to keep the vehicle and they reduced my payment to {$65.00} per week. 

My brother helped me pay a few more payments while I looked for a job but he got to a point where he couldn't help. I eventually got behind on payments and contacted XXXX XXXX once again but they didn't want the car but after missing more payments, XXXX XXXX decided they wanted the car but at this time the car was inoperable due to motor issues. 

I told XXXX XXXX about the vehicle being inoperable and they came to get vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
On XX/XX/year> a credit inquiry was submitted but XXXX XXXX without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
consumers law 15 US Code 1681 a ( 4 ) ... consumers right to privacy.... an alleged bankruptcy reference number XXXX XXXX XXXX bankruptcy dismissed/closed is a violation of my right to privacy. please refer to 15 US Code 1681 a ( 4 ). dated XX/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 explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
consumers law 15 US Code 1681 a ( 4 ) ... consumers right to privacy.... an alleged bankruptcy reference number XXXX XXXX XXXX  bankruptcy dismissed/closed is a violation of my right to privacy. please refer to 15 US Code 1681 a ( 4 ). dated 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 2025-10-23 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:
See that disputed accounts are eliminated as the law dictates.

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 2025-10-23 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
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 ] Account Number : [ 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 2025-10-23 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:
am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-23 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: IL

Complaint narrative:
It sends the wrong message about my financial ethics.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX time Wells Fargo changed my mailing address without my consent. Wells Fargo supervisor XXXX claims my Po box mailing address, the only mailing address that I have, is not deliverable!! That is NOT true!! Then XXXX XXXX informs me that Wells Fargo has to investigate, which will take XXXX business days!! Wells Fargo is trying to tell me what is my mailing address but they keep changing to my physical address and I have instructed the XXXX to NOT allow mail to my physical address!! My complaint is primarily based on Wells Fargo changing my mailing address without my consent!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently moved to a new address. I reviewed my personal information with Experian saw that the address they have on my credit report is wrong and i have never lived there. I contacted Experian, they told me the address was reported to them by another credit reporting agency. I contacted that agency they told me they never reported that particular address to Experian. I want Experian to remove that address from 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 2025-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Above Lending, Inc.
State: GA

Complaint narrative:
Below provides a summary of this complaint - XX/XX/XXXX - debt consolidation loan originated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$15000.00}. 
- creditor negotiation by XXXX XXXX reduced debt by {$5800.00} with the final consolidated debt amt approx {$10000.00}. 
XXXX XXXX XXXX XXXX amt and payment totaled approx {$12000.00}, w payments of {$330.00} for 37 months. 

In XX/XX/XXXX all was well : I had made XXXX payments to XXXX lakes totalling approximately {$5200.00} and payments made on time. 
When on their website in XX/XX/XXXX a pop up ad appeared for Above lending stating I had been pre-approved for a loan. It was advertised " loan for vacation, home repairs, etc '' I need help with home repairs urgent nature so I applied and was approved. 

I contacted above lending a few days later to find out status; discovered the monies would be used to pay off loan with XXXX XXXX loan. I did not want to do this I love working with XXXX XXXX  and I loved my loan terms. The representative said I could pull out of the loan but I would be responsible to pay an origination fee of over a {$600.00}. At the time I didn't have that available so I let it go for the moment but was very disturbed by it all. 

Above Lending terms implemented for this loan are monthly payments if XXXXXXXX XXXX for XXXX months with an amount due {$21000.00}. Over XXXX than my loan with XXXX XXXX for nothing!! .... similar monthly payment but 5 years compared to 3 years!!! who would want this! 

Below is response from Above Lending regarding this matter : XXXX XXXX ( Above Lending ) XX/XX/XXXX, XXXX XXXX Good Morning Thank you for your email Above Lending does not offer refinancing or modification of existing loan terms once a contract has been executed. You may have the option to refinance with another company of your choosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
CFPB Complaint XXXX ( with evidence reference ) : I submitted a formal dispute to your agency on XX/XX/year>, including XXXX valid forms of identification and proof of residency. Transunion has failed to begin a proper investigation and returned a letter claiming you could not verify my identity. 

In their most recent response, Transunion misspelled my name, raising concerns about whether my dispute and documentation were properly reviewed at all. 

This failure to act and mismanagement of my dispute violates 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation upon receiving a consumers proper dispute.

As a result of these violations, I am demanding the following : The immediate deletion of all unverified and inaccurate negative accounts from my credit report. 

Written confirmation of these deletions within XXXX  days of receiving this letter. 

A full reinvestigation conducted in accordance with FCRA procedures. 

If Transunion fails to comply within XXXX  days, I will pursue legal action for : Statutory damages up to {$1000.00} per violation Actual damages, if applicable Attorneys fees and court costs I have documented all correspondence, responses, and evidence and am prepared to submit this information to the Consumer Financial Protection Bureau ( CFPB ) and to an attorney for further legal action.

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