vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$5000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$4900.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$5700.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$6600.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$4800.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$5300.00} - Date Opened : XX/XX/XXXX DPT TREASURY # XXXX -- Balance : {$5200.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Confirm all disputed accounts are deleted within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: GA

Complaint narrative:
I paid off my vehicle around XX/XX/year>. I have never received my title after calling many times and getting empty promises. I have been unable to register my car and have been forced into paying for rentals because of the company 's negligence and errors. I called for lien releases and received nothing. I was told the company didn't process my title, gave excuses for only digital, then paper, said they sent a letter to an old address in XXXX when I live in XXXX, and they have had my updated address for years, i found out that carmax sent info to the wrong address, i have never received anything. I am now being told that it will be another 3-4 weeks before I or the state can receive anything, in the meantime, I am still paying for rental cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information on my credit reports. The following accounts listed are in dispute, and I believe they contain inaccuracies. Please investigate and take appropriate action to resolve these issues. 

Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Dispute : I believe this account is inaccurately reported. Please verify the accuracy and completeness of this information. If this account can not be verified, I request that it be removed from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Dispute : I believe this account is inaccurately reported. Please verify the accuracy and completeness of this information. If this account can not be verified, I request that it be removed from my credit report. 

Inquiries XXXX XXXXXXXX  Date of Inquiry XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXXXX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXXXX/XX/XXXX XXXX  Date of Inquiry XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I made a {$4800.00} payment to my Wells Fargo credit card using my XXXX  XXXX checking account. The payment was later declined by XXXX  XXXX with return code XXXX ( Insufficient Funds ), meaning the transaction failed internally before Wells Fargo ever received the funds. 

I called Wells Fargo several times asking them to look up a trace ID or confirm whether they had any record of the incoming payment. Each time, the representatives said they could not trace it because the payment was declined with code XXXX and never entered their system. When I tried to explain the situation, they repeatedly interrupted me, ended the calls quickly, and refused to open the claim and review the documentation I offered. 

Wells Fargo told me to resolve the issue directly with XXXX XXXX and closed the inquiry without providing assistance. As a result, I was charged late fees and interest on my Wells Fargo credit card even though the failure was caused by a bank-side processing error, not by me. 

I am requesting that Wells Fargo collaborate with XXXX XXXX to confirm that the funds were never received, refund the late fees and interest, and ensure my credit report is not negatively affected.

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 2025-11-05 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/2025, 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 generallf, 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.

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 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My loan was just transferred to Seline financing for Servicing they will not accept partial payments and we are behind we just made an additional payment to bring it down to 2 months and they still have a demand letter out requesting {$4.00}, XXXX XXXX we have never been with a company that doesn't allow partial payments not saying this would be long-term but it would help to lower the balance of our past due I would love to get my loan transfer to another servicer this has been the worst experience ever. And also every servicer that we have had always paid our taxes they have not paid our taxes I have seen bad reviews on this company forcing people into foreclosure we have never had this problem with any other company please would just like to be transferred to another servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Spoke with XXXX XXXX and XXXX of FCO and requested the following information : -Debt Validation -Purchase Agreement -Flow agreement Such documentation was not provided fully after the initial denial of the information, calling for verification.

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 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$11000.00} Inquiries : None listed for Experian. 

Positive Accounts : None listed for Experian. 

Late Payments : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NV

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 non-monetary relief
Consumer complaint received 2025-11-05 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: NV

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 2025-11-05 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: PA

Complaint narrative:
I am submitting this complaint to formally report inaccurate and unverified information being reported on my credit file by the following furnishers : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Reported as Late Payments XXXX XXXX  This account is being inaccurately reported with late payment history. I dispute these late payment entries because I have never made a late payment on this account. The reported payment history is false and misleading, damaging my creditworthiness. I request that the furnisher be required to provide verifiable documentation proving these alleged late payments. If they are unable to do so, this account must be immediately corrected to reflect an accurate on-time history in accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611. 

XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Reported as Collection XXXX XXXX  I have no knowledge of this collection account and have never entered into any agreement or transaction with XXXX XXXX XXXX or the original creditor. Under FCRA 623 and 609, I am requesting verification of this alleged debt, including the original signed agreement, itemized accounting, and full chain of title. If such proof can not be produced, this collection entry must be immediately deleted from my credit report as it is being reported inaccurately and without permissible purpose. 

These inaccurate and unverified accounts are causing me significant financial and emotional distress. The furnishers and credit reporting agencies have an obligation under the FCRA to maintain accurate and verifiable information. Failure to comply with these obligations constitutes a direct violation of federal law. 

I respectfully request that the CFPB investigate these matters and take appropriate enforcement actions to ensure that the reporting entities correct or delete these inaccurate items immediately. 

Please confirm receipt of this complaint and keep me informed of the results 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint because Upstart / XXXX XXXX  is reporting an account on my credit report as delinquent and with a balance due, even though they sold the account to XXXX XXXX. This is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the details of the issue : XXXX. Account sold but still reported with a balance : Upstart / XXXX XXXX  has reported a charged-off or delinquent account that still shows a balance due. However, they no longer own this debt it has been sold to XXXX XXXX, who is now the legal owner. Once an account is sold, the original creditor must update the tradeline to show a {$0.00} balance and note that it was sold/transferred to another lender. 
XXXX. Misleading reporting after sale : By continuing to report a balance or delinquent status after the sale, Upstart / XXXX is providing false and incomplete information that damages my credit standing and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information. 
XXXX. Failure to update or verify after dispute : I have disputed this with the credit bureaus, yet the account remains listed as delinquent with a balance. Upstart / XXXX has not provided proper verification of ownership or correction of the tradeline, violating FCRA 623 ( b ) ( duty to investigate disputed information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Ensure removal of disputed accounts occurs without delay in compliance with legal rules.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I requested a 1099-C 9 Cancellation of Debt from JPMCB regarding an account that was previously reported on my credit report but has since been proven Fraudulent, Documentation and credit investigation confirm I was not responsible for this debt. To ensure accurate tax and credit reporting, I request a written confirmation and copy of the 1099-C form, if one was issued, or official verification that the debt has been canceled and removed. Please provide this information within 30 days in accordance with federal reporting and consumer protection laws.

I sent this letter to JPMCB and Credit bureaus, I have not received any correspondence in which deems this fraud against me and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ive found several collection accounts on my credit report that I believe contain inaccurate details. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to have only correct and verifiable information reported. I am therefore requesting a thorough investigation of these items, and if any can not be confirmed as accurate, I ask that they be deleted from my 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Dear [ COMPANY NAME ] : On XXXX, 2025 one of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to CREDIT COLLECTION SERVICES under,, At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional XXXX, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 1 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 



Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request a thorough review of the following accounts listed below, which are currently reported on my TransUnion credit report. If any information is inaccurate or unverifiable, I request that it be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX, XX/XX/year> Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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