vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo denied my fraud case on XX/XX/year>. Bank representatives advised me that a letter would be sent in the mail within 30 days providing the basis for why the claim was denied. Wells Fargo still has not provided this document. 

In addition, I do not agree with Wells Fargo 's decision to deny my claim. I am giving Wells Fargo another opportunity to review the attachments and the case again before I seek arbitration along with legal representation. Pay close attention to the police report that was filed in XXXX, XXXX. Wells Fargo needs to provide hard evidence for why they believe the charges are valid. If Wells Fargo can not provide this evidence the fund needs to be credited immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 am writing to dispute an account that has been incorrectly added to my credit report. This account does not belong to me it appears to be a result of mixed or merged credit file information, and I need it resolved immediately. 

Let me be absolutely clear : this account is someone elses, and it has nothing to do with me. I have never opened this account, never been associated with the company in question, and never authorized any activity tied to it. 

This kind of mistake is unacceptable. It is damaging my credit through no fault of my own, and it's your responsibility to ensure that data reported under my name is accurate, verifiable, and belongs solely to me as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I haven't received any response from the Bureaus in over 30 days, and it seems like my concerns are being ignored. According to Section 611 ( a ), if they don't look into these issues within that period, they should be taken off my credit report. Sadly, it's been more than a month, and none of the accounts have changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I paid XXXX on a XXXX XXXX XXXX The balance from my understanding was XXXX. I didnt no Nissan was still charging me. The contract was only for XXXX years. Nissan repossessed the vehicle with no warning while I was at a hotel XXXX states from my hometown as a XXXX XXXX I never received my items that were in the car and from my understanding the vehicle was in a city state which I do not reside in. There was no way for me to get my items I lost my work contract and the car was XXXX miles from my home. I faced a total loss on a vehicle that was paid off and repossessed. XX/XX/XXXX was the date the vehicle was repossessed at a hotel in XXXX XXXX. I live in XXXX XXXX and assumed the vehicle was stolen notified police who in turn viewed footage that confirmed it was taken by a tow truck. I went to Nissan website and thats how I found out .Nissan never sent any warning or letters no phone calls. I surely would have kept the vehicle I believed was paid off. This is predatory and I lost XXXX and my car was illegally repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and XXXX  data breach, which adds to my worries about the safety of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

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

1681c-2 ) that you, the XXXX credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX BANK XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a consumer my information should be protected at all times. After reviewing my report I discovered several fraudulent inquiries that I have not authorized or are aware of this. This is affecting my livelihood and preventing me from buying a home. As consumer I have the rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), to have my information protected, accurate and keep private. I have also been in a few breaches so this XXXX be due to this. However, it is the credit agencies duty to make sure my information is accurate at all times. Please remove the inquiries!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As a consumer my information should be protected at all times. After reviewing my report I discovered several fraudulent inquiries that I have not authorized or are aware of this. This is affecting my livelihood and preventing me from buying a home. As consumer I have the rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), to have my information protected, accurate and keep private. I have also been in a few breaches so this XXXX be due to this. However, it is the credit agencies duty to make sure my information is accurate at all times. Please remove the inquiries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Subject : Final Notice Failure to Provide Method of Verification and Ongoing FCRA Violations Summary : Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 6 ) ( B ) ( iii ), by not providing a Method of Verification ( MOV ) after I submitted detailed disputes with supporting documentation. Their XX/XX/year>, response ( Confirmation XXXX XXXXXXXX ) was generic and did not address any specific findings, nor did it resolve the core discrepancies. 

Accounts Involved : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) : Equifax now lists the account as Paid as Agreed with No Late Payments, which is materially inconsistent with prior versions that reflected charge-off activity. The reinvestigation yielded conflicting results with no MOV. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) : Still reported as a charge-off, despite the dispute clearly referencing payment timelines, sold status, and CRA mismatch XXXX 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ) : Equifax continues to reflect derogatory payment history without validating it or reconciling the differences reported by TransUnion and XXXX 

Legal Violations : Failure to provide Method of Verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to ensure maximum possible accuracy FCRA 1681e ( b ) Pattern of willful noncompliance as reflected in recent CFPB and FTC enforcement actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX  of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and Im not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Account was paid in full during my military service which ended in XX/XX/year>. It was never in collections but auto paid from a military pay. It was paid in full and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been communicating with all three credit bureaus since XXXX of last year 2024. Asking them to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello Im reaching out because my bank failed to refund my money back from transactions I didnt authorized my phone and wallet was stolen during that time my card was being charged on gambling sites I didnt have and now Im out of money i explained the situation show proof of everything times when my card was charged and time I had to wait to get my new device once then I contacted Huntington they refunded me against the same merchant on a different transaction then denied the other with the same merchant it was no error why refunded me on one the transaction and not all they failed to properly research and Im out of XXXX now Huntington bank failed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX [ Email Address ] [ Phone Number ] Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Cease and Desist Request Account Dear Sir/Madam, I am writing to formally request that you cease and desist all further communication with me regarding the above-referenced account. This includes, but is not limited to, phone calls, letters, emails, and any other forms of contact. 

Please be advised that this request is made under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in certain practices. I am aware of my rights under this law and expect them to be respected.

If you continue to contact me after receiving this notice, I will consider taking appropriate legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
As of XX/XX/18 No contact from " Credence Resource Management '' has been made. XXXX XXXX noticed credit report. XXXX XXXX made contact on XX/XX/18 : 1st Contact Made by XXXX XXXX : XX/XX/18 @ XXXX XXXX Transferred to someone named XXXX : XXXX Requested debt validation XXXX said it would come in mail and by email said 3-5 business days for debt validation Confirmed XXXX made a payment on XX/XX/XXXX of {$280.00}. 
XXXX Noted that no attempt Made via Mobile although confirmed XXXX said Wrong Address was using XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advised no Text contact only Call or Email. 

On XXXX letter from " Credence Resource Management '' listing amount and statement " In response to your request to verify the balance due on this account, we have reviewed information provided by your credit rand confirmed the above-referenced balance is accurate. '' with no further information. 

As " Credence Resource Management '' was unable to provide the below which is required in a debt validation in full the debt is no longer valid. 

Details about the original creditor The original loan agreement that proves your obligation to repay Documentation showing the age of the debt and the original delinquency date A comprehensive itemization including dates for added fees and interest The collection agency 's license to collect in your state and the information for the state agency that issued the license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief