vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am filing this complaint against Experian for their ongoing failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically concerning their refusal to properly reinvestigate and remove an inaccurate bankruptcy record from my credit report. 

I previously disputed the bankruptcy entry directly with the credit bureau on XX/XX/year> and a second request on XX/XX/year>. Despite my providing detailed information that the record was not verifiable and that the bankruptcy court does not furnish consumer data, the bureau responded that the information was verified without identifying the furnisher or providing documentation supporting their verification.

This response constitutes a violation of FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to maintain accurate and complete records ). The bureaus lack of transparency and refusal to identify the source of their verification also violate my rights under federal consumer protection laws.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I did write it the full CFPB and FTC complaints for the missing {$57.00} XXXX refund, ready to copy-paste and file, with exact text, attachments list, and links. 

Here they are again, clean and ready ( I posted them right after your last XXXX screenshots ) : XXXX XXXX XXXX XXXX. CFPB Complaint ( primary this one forces Cash App to pay ) File at : XXXX XXXX XXXX XXXX XXXX  Copy-paste this : * * XXXX Cash App has received a {$57.00} refund from XXXX but has * XXXX not deposited it * * into my Cash App account or linked bank. 
XXXX XXXX issued the refund on [ date from XXXX email ]. 
XXXX Cash App support ( XXXX XXXX, ticket # XXXX ) told me We have not received a {$57.00} refund from XXXX at this time this is false. XXXX confirms the refund was sent to Cash App ( attached XXXX email ). 
> I have received three other XXXX refunds from Cash App without issue along with the payment identifier As you can plainly see the {$57.00} one is the only one not included on the refund listing that comes along with my application. Theres XXXX refunds on there theres their identifiers and the XXXX is not one that even though they claim it is. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX see attached activity screenshot ). 
XXXX This is the fourth XXXX refund withheld and the second consecutive year Cash App has withheld a merchant/IRS refund XXXX to my account. 

> Attachments : > XXXX. XXXX refund confirmation email > XXXX. Cash App support email claiming no refund received > XXXX. Cash App activity screenshot showing XXXX XXXX refunds posted but {$57.00} missing > XXXX. Bank statement showing no deposit >

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CT

Complaint narrative:
I financed a used vehicle through a XXXX XXXX XXXX XXXX that was later assigned to the servicer. After reviewing the contract, I identified several potential compliance issues involving the finance charge, XXXX calculation, required down payment, and mandatory insurance as a condition of credit. 

The insurance requirement was mandatory in order to obtain credit approval, but the cost associated with this requirement did not appear to be reflected in the finance charge disclosures as required under TILA ( 15 U.S.C. 1605 ) and Regulation Z ( 12 C.F.R. 1026.4 ). I was also told at the time of purchase that the mandatory down payment could not be financed, but no underwriting policy was provided to show whether this requirement is uniformly applied or properly disclosed. 

On XX/XX/XXXX, I submitted a written Contract Review and Compliance Request by email. On XX/XX/XXXX, I also mailed the full regulatory packet by certified mail, which was delivered and signed for on XX/XX/XXXX. I sent multiple follow-up emails requesting a written acknowledgment, routing confirmation, and a compliance review timeline. Instead of receiving a response, I only received automated replies. No representative ever provided a written acknowledgment, explanation, or review update, despite repeated requests. 

I also requested a full accounting of the loan ( including principal/interest allocation, fees, and assignment information ) as well as confirmation that any Power of Attorney associated with my account was revoked. None of this information has been provided. When I called customer service, I was repeatedly transferred and told to contact different departments. No department has taken responsibility for addressing the compliance concerns I raised. 

As of early XXXX, I have still not received any substantive written response from the company regarding the potential disclosure inaccuracies, finance charge questions, down-payment practices, or the full accounting I requested. I am requesting CFPB assistance to obtain a full, written response, a corrected accounting if required, and proper regulatory handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
This complaint is not a mistake. Multiple accounts on my credit report contain inaccurate information and are not being reported with the maximum possible accuracy. These erroneous entries are materially misrepresenting my financial history and causing real, ongoing harm to my credit and wellbeing. I have repeatedly raised these issues and they remain unresolved, which is unacceptable. These inaccuracies are weighing on me and interfering with my ability to obtain credit and financial stability.

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 2025-12-10 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: FL

Complaint narrative:
I am submitting this XXXX complaint because the XXXX FIN account XXXX * * with a reported balance of XXXX continues to appear as a charge off in Experian and TransUnion even XXXX the bureaus and the furnisher have repeatedly failed to validate or correct the information. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) the bureaus must ensure maximum possible accuracy, yet they are reporting a balance and charge-off status that have never been supported by proper documentation, including the absence of a mandatory 1099-C for any alleged debt over 600. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) I have the right to a lawful reinvestigation, but both bureaus continue to verify the account without evidence. WESTLAKE FIN is also violating FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information they can not substantiate, and the continued reporting of disputed, unvalidated data violates 15 U.S.C. 605B and 15 U.S.C. 1681c-2 because such information can not legally remain on my file. After XXXX previous disputes, the account remains inaccurately reported with no proof, causing ongoing harm.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
A few months ago, I noticed a {$270.00} late fee charge attached to my monthly bill of which I disputed with and NMAC. The company failed to amend my bill. I mail two payments thereafter, and the charge was deducted from the payment. However, the same charge we repaired the next month and I am being charged penalty fees on the late charge. I did contact the New York State Attorney Generals office of consumer protection filing a complaint. I received the response on XX/XX/year> with no follow through I am at the end of this loan and I feel helpless. Im a XXXX. Ive been robbed by Nissan purchasing this car which is a very poor quality and I feel like Nissan is going to give me XXXX to get out of this loan. I need your help please Im not rich. Im poor and I work very hard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 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 2025-12-09 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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a savings account got a call about it was told a XXXX dollar fee will apply due to my checking and savings accounts being different I was told the can change my checking to match my savings and it would only give me more features I didnt care about what it gave me I only cared about the terms and services i asked to insure the XXXX stayed the same for the over draft and was insured more then once it was so I made the switch as I got back into the app XXXX asked on how I want my overdraft to be done this was a clear change in the vary thing I asked that stayed the same Bank XXXX Some that aint a XXXX better then anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent {$30.00} to somebody to pay for some cupcakes. I typed in her handle and the name that popped up I sent the money to quickly realize that they showed me the wrong name so I canceled it, it was still pending, a couple days later it was still pending and I contacted them and they told me that if it's pending you just select cancel and it can take up to 14 days to get your money back. They also told me that if it's already completed then I have to if I would dispute. I canceled it immediately while it was still pending I also filed a dispute because I wasn't getting my money back and they went ahead and paid her anyway. I have been fighting with them for XXXX weeks now to get my money back and they refused to do so. They keep coming up with reasons why XXXX of them is once it's completed they can't refund the money but that was on them because I requested it before it was completed it was still pending. Then they said that once you submit a payment you can not cancel it, if that's the case why do they have the option to cancel a transaction on the page? I have gotten absolutely nowhere with them they should not have paid this person because it was canceled and I disputed it but they refuse to refund my money. Attached you will see where they admitted that I canceled it while it was still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Self Financial Inc.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am disputing inaccurate information being reported by Wells Fargo Card Services to Equifax and Experian. 

I was added as an authorized user years ago on a Wells Fargo credit card account, not as a joint borrower. I never signed or agreed to any credit card application or contract assuming liability for the debt. 

Wells Fargo is incorrectly reporting me as a joint account holder, which makes me appear legally responsible for the accounts delinquency and charge-off. This is false. 

I disputed this directly with Wells Fargo in writing ( received on XX/XX/year> via USPS Certified Mail ) and requested documentation proving I was ever a joint accountholder. They failed to provide any such evidence. 

I also disputed this with both Experian and Equifax. Both bureaus told me that Wells Fargo verified the information, indicating Wells Fargo did not conduct a reasonable investigation under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ). 

I am requesting that Wells Fargo immediately remove this inaccurate tradeline from both Experian and Equifax and confirm in writing that I am not legally responsible for this account.

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 2025-12-09 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: CT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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