vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Lender : Alliant Credit Union Vehicle Type : XXXX  XXXX XXXX XXXX 5th wheel I am formally filing a complaint regarding financial hardship I experienced following my transition from XXXX XXXX military service, which directly impacted my ability to maintain payments on my 5th wheel toy hauler. After serving honorably in the United States Navy, I separated from XXXX XXXX and re-entered civilian life. Unfortunately, I was unable to secure immediate employment with income comparable to what I earned while in the military. This ultimately led to my decision for voluntary repossession. I had purchased the recreational vehicle while I was still in the military, based on stability and predictability of my military income. At the time of purchase I had not planned to transition out but a declined mental health status ultimately lead to that decision. Like many veterans, I underestimated the time it would take to transition and adjust financially. I am bringing this to the attention of the FTC in hopes my case can highlight a broader issue affecting service members and veterans. I believe that lenders and financial institutions should be more transparent and accommodating when working with transitioning service members, particularly when loans are originated during XXXX XXXX and repayment becomes unsustainable due to changes in income post-service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TN

Complaint narrative:
I am demanding the immediate deletion and blocking of the fraudulent accounts and inquiries listed in my complaint. These items were opened without my authorization and are the result of identity theft. I have already submitted government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. 

Despite this, the bureaus and furnishers have failed to comply with federal law and continue to report fraudulent data, which violates : FCRA 1681c-2 ( failure to block ID theft accounts within XXXX business days ) FCRA 1681i ( a ) ( failure to reinvestigate and delete unverifiable information ) 15 U.S.C. 1681b ( c ) ( reporting inquiries without a permissible purpose ) 18 U.S.C. 1028A ( aiding identity theft by knowingly reporting fraudulent activity ) Resolution Required : Permanently delete and block all fraudulent accounts and inquiries. 

Issue an updated, corrected credit report. 

Provide written confirmation of these corrections. 

If you fail to comply, I will escalate with the CFPB, FTC, BBB, State Attorneys General, and pursue legal action under FCRA 616 for damages and costs.

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 2025-08-19 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: NM

Complaint narrative:
This CFPB complaint has been submitted to demandunder the authority of the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) that you immediately block and remove all fraudulent information from my consumer credit report. You are legally required to act within four business days of receiving this notice. Failure to comply constitutes a direct violation of federal law. 
The following inquiries and accounts were fraudulently created through identity theft. I did not authorize any of them, and they must be eliminated from my credit file without delay : Fraudulent Inquiries and Inquiries : 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 entries have triggered multiple unauthorized hard inquiries and collections, severely damaging my FICO credit score. I am not responsible for any of these accounts, and their presence on my report is both unlawful and unacceptable. 
Attached is my FTC Identity Theft Report, issued by the U.S. Federal Trade Commission, which confirms that the above accounts and inquiries are the result of identity theft and fraud. 
You are hereby instructed to block and delete all listed items immediately. I expect written confirmation of your compliance. Any delay or failure to act will be escalated through all available legal channels.

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 2025-08-19 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: OK

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM REQUESTING TO REMOVE FOLLOWING FRAUDULENT ACCOUNT AND FRAUDULENT INQUIRIES FROM CREDIT REPORT. XXXX XXXX XXXX  FRAUDULENT ACCOUNT OPENED XXXX MUST BE REMOVED FR MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FR MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX  XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-19 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 filing this complaint against Wells Fargo Bank , N.A . for multiple FCRA violations, Metro 2 compliance failures, and unlawful reinsertion/re-aging of a charged-off credit card account ( ending in XXXX ). 
This account was previously deleted from my credit reports but later reinserted without proper certification and without the required written notice within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ).

In addition, Wells Fargo has furnished inaccurate and contradictory data across all three CRAs : Date of First Delinquency ( DOFD ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX 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 XXXXXXXX : All XXXX  CRAs show continuous XXXX codes into XXXX despite XXXX in XXXX, unlawfully re-aging the account and extending derogatory reporting beyond the XXXX limit. 
Last Payment Date : Conflicting across bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX : Wells Fargo has not applied the required XB code ( consumer disputes, investigation pending ), violating XXXX XXXX standards. 
These contradictions show systemic noncompliance with 623 ( a ) ( 5 ), 623 ( b ) ( 1 ), and 607 ( b ) ( maximum possible accuracy ). Wells Fargo is not conducting reasonable investigations, but instead continues to verify ownership while ignoring field-level inaccuracies. 
I am requesting CFPB intervention to require Wells Fargo to : Delete or correct this tradeline so all fields are accurate, consistent, and XXXX XXXX. 
Cease illegal re-aging and restore the true XXXX. 
Provide documented proof of certification prior to reinsertion. 
Apply the proper XB dispute code while this matter is under investigation. 
Failure to comply should result in enforcement action, as this is a pattern of willful noncompliance harming my credit profile.

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 2025-08-19 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: TX

Complaint narrative:
This communication serves as a formal demand for the immediate blocking and deletion of all fraudulent accounts and inquiries associated with my personal information. I am a documented victim of a widespread data breach that has compromised the privacy of countless individualsincluding myself. 
The following entries on my credit report are the direct result of unauthorized access and identity theft. I did not initiate or authorize any of the following : Fraudulent Inquiries and Accounts : Equifax XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Experian XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), I am legally entitled to have these fraudulent items blocked and removed from my credit report. The breach has exposed my sensitive data and placed me at serious risk of financial harm and identity theft. 
Personal Information for Verification : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXXXXXX  - Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX I demand that you take immediate action to block and delete all compromised accounts and inquiries listed above. Please provide written confirmation once this has been completed. If additional documentation is required, I am prepared to provide it without delay. 
This matter is urgent and must be resolved swiftly. I expect full compliance with federal law and a prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AR

Complaint narrative:
A formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Court : U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AR

Complaint narrative:
A formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Court : U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX, XXXX  I received an email saying I exceeded my lease term I surrendered the vehicle because of safety recall as well as my family and I outgrew the vehicle was no longer able to utilize the vehicle anymore! Nissan motor acceptance came and picked up the vehicle XX/XX/year> theyre saying that I still owe around {$10000.00} and damages etc. they did not let me know upfront there were safety recalls on the vehicle either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: WA

Complaint narrative:
b'PSC\nP.O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nLicense # XXXX XXXX XXXX\nXXXX XXXX\nDATE: XXXX\nPSC ACCOUNT=\XXXX\nCREDITOR: XXXX XXXX  XXXX\nAMOUNT RECEIVED:\n$XXXX\nACCOUNT BALANCE:\XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\XXXX XXXX XXXX XXXX XXXX XXXX\nPAID IN FULL ACKNOWLEDGEMENI\nOUR RECORDS INDICATE THE ABOVE REFERENCED ACCOUNT HAS BEEN PAID IN FULL AS OF XXXX.\n() THIS ACCOUNT WAS NOT REPORTED TO ANY CREDIT BUREAU (XX) THIS ACCOUNT IS APPROVED FOR REMOVAL FROM YOUR CREDIT REPORT.\nIF REPORTED, THIS ACCOUNT IS SCHEDULED TO BE DELETED FROM YOUR CREDIT REPORT ON OUR NEXT UPDATE TO THE CREDIT REPORTING AGENCIES.\nPLEASE KEEP THIS ACKNOWLEDGEMENT FOR YOUR RECORDS.\nTHIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR.\nANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.'

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 2025-08-19 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: CA

Complaint narrative:
The listed entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no effective steps have been taken. Despite submitting all required documentation and following up multiple times, the errors remain unresolved. This ongoing situation has caused significant financial strain and negatively impacted my well-being. The process of addressing these inaccuracies has been both frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial activity, including the timely correction of outdated or incorrect information. I am requesting that you take immediate steps to correct or remove the erroneous late payment entries. Continued inaction would constitute a violation of my rights under federal law. 

I expect a prompt and thorough resolution to this matter. Thank you for your attention.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am writing to express my concern regarding the continued mismanagement of payments on my mortgage account. Despite multiple attempts to resolve this matter, several payments I have submitted were cashed by Selene XXXX  but not properly applied to my account ledger. This has caused unnecessary stress and confusion, despite my efforts to remain consistent with my obligations. Selene Mortgage Statement dated XX/XX/XXXX with an activity history from XX/XX/XXXX to XX/XX/XXXX ) List only one payment received on XX/XX/XXXX, but Selene XXXX  cashed a total of 3 payments at this time. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( But only acknowledged XX/XX/XXXX, Payment Statement dated XXXX/XXXX/XXXX with an activity history from XXXX has received and cashed check # XXXX on XX/XX/XXXX, but reflects no payments received. 

To date, the following issues remain unresolved : XX/XX/XXXXXXXX  {$1600.00} ( Cashed XX/XX/XXXX Posted Successfully ) Electronic Payment XX/XX/XXXX {$1600.00} ( Cashed XX/XX/XXXX Posted Successfully ) Electronic Payment XX/XX/XXXX {$1600.00} ( Cashed XX/XX/XXXX Not Posted ) Live Check # XXXX XX/XX/XXXX {$1600.00} ( Cashed XX/XX/XXXX Not Posted ) Electronic Payment XX/XX/XXXX {$1600.00} ( Cashed XX/XX/XXXX Not Posted ) Live Check # XXXX XX/XX/XXXX {$1200.00} ( Cashed XX/XX/XXXX Not Posted ) Live Check, Overnight XXXX  This leaves a total of four payments still missing : XXXX  payments totaling {$4800.00} XXXX payment of {$1200.00} Grand total outstanding : {$6000.00} Despite prior assurances, including a promise to provide an updated ledger to my attorney ( XXXX XXXX XXXX ), Selene XXXX has not fulfilled these commitments. These repeated delays and failures to post payments not only jeopardize the accuracy of my account but also place an unfair burden on me as your customer.

Company response to consumer: Closed with explanation