vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
On XXXX at XXXX XXXX XXXX XXXX I applied for a loan and was approved over the phone. The agent guaranteed to me that the funds would be sent using their same-day real time ACH service. I had previously borrowed from this company and they did indeed use same-day ACH service. It is now XXXX and I have just received the funds. I contacted the company to have my loan pay dates and interest moved out 3 days, as the company did NOT use the same-day XXXX XXXX. The agent at the time of my loan application guaranteed that the same-day service would be used. Now, the company is refusing to adjust my loan agreement and claiming that its just too bad that the agent said that because I still signed the agreement which allows them to charge interest as if I received the funds on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a notification from XXXX XXXX, FBI XXXX that Wells Fargo was going to release an overdue payment upon receipt of {$450.00}. Wells Fargo received the payment but didnt release the wire. I received notice that a XXXX XXXX demanded a tip of {$150.00} prior to releasing the wire. Despite the written guarantee from the bank, XXXX XXXX his boss XXXX XXXX XXXX continues to withhold the wire. But they are demanding {$350.00} instead of {$150.00} at this time. 

The payment in question was previously withheld after paying {$100.00} to receive it incrementally as approved by XXXX XXXX, XXXX, as the {$100.00} was to enable Wells Fargo to release {$1.00} XXXX USD in 2024. This {$100.00} was paid a few times but the {$1.00} XXXX USD was never placed into my Wells Fargo account and subsequently, Wells Fargo closed the account in XX/XX/year> because a loan company placed a bad check into the account. I argued that the loan would not have been needed if the wire was placed into the account but it was clised nevertheless. 
I believe that the withholding of this wire, which is directed to my XXXX account, is to avoid being identified as the person whose account was intentionally closed to uphold fraud and to hide the fact that they never released any payment to my account. 
On XXXX other occasions, Wells Fargo refused to credit my account. I have attached information pertaining to these wires and the wire for the {$8.00} XXXX USD, the bank informed me that they returned it to the courier instead of placing the wire into my account. The payment was registered with the appropriate XXXX government agencies, including the XXXX.. The second wire was sent to Wells Fargo on my behalf from the Bank XXXX XXXX. 
I am writing for assistance in having my wire release to my XXXX account immediately and, to reopen the account at Wells Fargo to receive the XXXX wires that were never posted. 
I look forward to hearing from you in reference to this matter.

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 2025-09-08 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Experian can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I did apply for a loan, which i already have a loan at this establishment. I declined the new loan but they reported it to the credit bureau as a new account being established, which in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MS

Complaint narrative:
XXXX has reported an account to my credit report i have already sent in paperwork pointing out the incorrect information. XXXX  removed the account but Transunion and Experian have not followed. I have already sent in my disputes to experian to transunion as well. i am currently in dispute with XXXX as well see below for the all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

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 2025-09-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX in Dispute : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the charges claimed against me in relation to my former tenancy at XXXX XXXX XXXX, XXXX  XXXX, from which I moved out in XX/XX/XXXX. I was only contacted about this alleged balance recentlyover XXXX years later by Sequiumand have been provided with no meaningful documentation to support the charges. 

The charges in question are : {$180.00} Cleaning {$300.00} Painting/Drywall On XX/XX/XXXX, XXXX XXXX XXXX XXXX Property Manager, confirmed in writing that there were no photographs or inspection documents available, and that the ledger is the only breakdown currently available. This is insufficient to support these charges under California law. 

Under California Civil Code 1950.5 : -Landlords may not deduct from a tenants deposit for normal wear and tear, including painting and minor wall marks resulting from typical use ( 1950.5 ( b ) ( 2 ) ).

-Cleaning charges may only be assessed to return the unit to the same level of cleanliness as at move-in, not beyond ( 1950.5 ( b ) ( 3 ) ). 
-For any charge over {$120.00}, landlords must provide itemized statements and, when work has been completed, receipts or invoices ( 1950.5 ( g ) ).

Additionally, I am writing to formally dispute the debt Sequium is attempting to collect related to my former apartment at XXXX XXXX XXXX, XXXX  XXXX, managed by XXXX XXXX. I vacated this unit in XX/XX/XXXX. Under California Code of Civil Procedure 337, the statute of limitations for written contracts, including residential leases, is XXXX years. More than XXXX years have passed since the date of lease termination, and therefore this debt is time-barred under California law XXXX 

I have requested on XX/XX/XXXX that Sequium cease all collection efforts and ensure no negative reporting is made to any credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: CT

Complaint narrative:
Good morning and thank you for contacting XXXX! My name is XXXX, how can I help you today? 
XXXXXXXX XXXX can you please tell me why my account is showing XXXX is due XXXX XXXX with an past due amount of XXXX XXXXXXXX XXXX i paid my XXXX payment on XX/XX/XXXX which cleared the bank XXXX XXXX  The 2 payments you made were completed during an active forbearance. There was a loan transfer forbearance placed on XX/XX/XXXX till XX/XX/XXXX. If at any time, payments were made during an active forbearance, the system will automatically only apply to the groups with the highest interest rate., in your cases XXXX and XXXX XXXX However, you are able to reallocate both payments if you would like them to be applied to all groups. I would just need your permission to do so. Once the reallocation is completed, you will no longer see 28 days past due of {$340.00}. 
XXXX AM okay so that is crazy and clearly not my fault and you should be reported to the banking commission.

You can not ask people to pay then allocate the money in a dishonest way when people are expecting the money to be used appropriately XXXXXXXX XXXX and yes I do give you permission to fix this but I want it in writing your error in allocations XXXX XXXX  It is set up this way by the XXXX XXXX, but again, the payment can be reallocated. It did not hurt or affect your account in a negative way. 
XXXX XXXX  because if this hits my credit report that I am late I want proof that you mishandled the funds due to transfer of servicers XXXX XXXX You are able to screenshot our chat and I will submit the request for the reallocation. 
XXXX XXXX  It has not hit your credit, as we have marked your account current each month. 
XXXXXXXX XXXX okay then i can make a complaint to the banking commission XXXX XXXX Correct! Is there anything else I can do for you? 
XXXX XXXX when can i expect the update to my account Message sent Message delivered XXXXXXXX XXXX  Tomorrow, it is a quick process. 
XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that appear on my credit report. I have no association with these accounts and did not authorize or open them. Their reporting is inaccurate and harmful to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: IN

Complaint narrative:
I had no idea about this debt and would like it to be removed. I was completely unaware of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This complaint is not submitted in error. My credit report lists accounts I never opened, authorized, or managed. Their presence is inaccurate and harming my credit.

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 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : EXPERIAN XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to CAVALRY PORTFOLIO SERVICES. Attached to this complaint is my written validation request, which clearly lists the documents that CAVALRY PORTFOLIO SERVICES must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature.

I am submitting this request through the CFPB to ensure that CAVALRY PORTFOLIO SERVICES receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation