vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-20 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
The finance company, XXXX XXXX made a threat to bill and degrade my credit score due to their inability of holding their dealers accountable for forged auto loan paperwork. I need this falsely created auto loan ( improper driver license and improper vehicle registration ) debt removed from my credit in addition to newly listed items that appear as well. As of today, there is a falsely reported balance owed of {$8200.00} balance for the vehicle on my credit report. The vehicle is parked outside of XXXX XXXX Police State in XXXX XXXX, Michigan. I never once made a payment on the account yet, the finance company XXXX XXXX stated to me that the dealership, XXXX XXXX XXXX had their lawyer search for an address that could be used for their title registration request the dealership forged in my name.

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
Issue : Im receiving collection threats for a debt I do not owe/thats reported inaccurately. A caller from XXXX claimed to be a law firm for XXXX XXXX, demanded $ XXXX, refused to send validation, and threatened service within 72 hours.

Facts : My records show an XXXX loan funded in 2023 and paid in full two months later ( statements attached ). My credit report shows a Nationwide Capital Services collection for {$2100.00}, which conflicts with the callers claim. I sent a debt-validation/cease letter by certified mail.

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 2025-10-20 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: OR

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-10-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXXg, remove the disputed items within the statutory timeframe.

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 2025-10-20 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I filed a Regulation E dispute with Wells Fargo ( case # XXXX ) regarding unauthorized electronic fund transfers to a company called XXXX XXXX, operated by XXXX XXXX. 
On XX/XX/year>, I requested through the merchants support chat to self-exclude for XXXX year, which revoked authorization for any future purchases. XXXX XXXX  confirmed on XX/XX/year> that my account was restricted and no further purchases could occur. Despite that, additional transfers were processed between XX/XX/XXXX and XX/XX/year> from my Wells Fargo checking account. 
I reported these transactions immediately and submitted full supporting documentation. Wells Fargo acknowledged receipt and opened my claim. However, on XX/XX/year>, the claim was closed and denied without providing any written explanation of the investigation results as required under 12 CFR 1005.11 ( d ). 
On XX/XX/year>, I emailed Wells Fargo additional evidence and a formal request for reinvestigation under 1005.11 ( f ). On XX/XX/year>, I spoke with a representative named XXXX, who stated that Wells Fargo : Will not reopen or reinvestigate the dispute even with new evidence. 
Will take up to 30 business days to send denial documentation.

Told me I must deal with the merchant, and repeatedly said no comment when I cited Regulation E requirements.

These actions violate Regulation E by failing to : Provide a written explanation within three business days of completing the investigation ( 1005.11 ( d ) ) ; and Conduct a good-faith reinvestigation after receiving new evidence ( 1005.11 ( f ) ).

I am requesting CFPB intervention to ensure Wells Fargo provides the denial evidence, conducts a proper reinvestigation, and issues a refund for the unauthorized transactions in compliance with Regulation E.

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 2025-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I sent the {$500.00} payment through my billpay from my bank XXXX on XX/XX/year> and it seems Select Service Portfolio Servicing does not have my payment and it cleared my bank. To resolve this issue I want that payment of {$500.00} to be applied to the principal balance on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Portfolio Recovery Associates through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Portfolio Recovery Associates receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
curacy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy an Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible acd fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing this complaint as the lawfully appointed Durable Power of Attorney ( POA ) for my XXXX mother, XXXX XXXX. In this role, I have been handling her financial matters for over two years due to her early-onset XXXX. My POA documentation has been on file with PNC Bank since at least XXXX, and I have routinely used online access to manage her account in accordance with her care and financial obligations. 

In early XX/XX/year>, without any prior notice, I was suddenly and completely removed from her PNC accounts, losing all online access. I later discovered this occurred after her estranged sister visited a local branch ( XXXX, OH ), claimed fraud, and somehow succeeded in freezing or restructuring my mothers finances without notifying me or verifying my legal status as POA. PNC froze the account and later allowed a new PNC account to be opened without me, and even issued a PNC credit card under my mothers nameagain, without my authorization or knowledge. This credit card now shows on her credit report and was confirmed via both email to her phone and physical mail sent to my home, where all of her correspondence is delivered. 

Despite being legally responsible for her finances and having documentation to prove itincluding a POA and a doctors letter confirming my mothers cognitive impairmentPNC Bank never contacted me during their internal fraud investigation. I was completely excluded from the process, even though their own records show I had previously been acting on her behalf for all bill payments, rent, insurance, and other recurring transactions. 

The result? My mothers XXXX rent payment was missed, leading to a late fee of {$200.00}, and multiple essential servicesincluding her electric, internet, and medical insurance premiumswent unpaid. I was forced to take time off work to visit the branch in person and try to resolve the matter. I also had to personally cover {$1500.00} for her rent and {$2400.00} for her security deposit at her senior living facility, out of pocket. I was never given a formal explanation, and to this day, I have not been reinstated as POA on her accounts nor received confirmation that PNC acknowledged the mistake. 

PNCs refusal to speak with medespite their full knowledge of my XXXX statusrepresents a gross failure in fiduciary responsibility, and their continued silence has placed my mothers well-being and financial stability at risk. 

This situation was further escalated by my report to Adult Protective Services, who are now actively involved due to financial exploitation concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding a serious issue involving one of my companys checks that remains unresolved. My company, XXXX XXXX XXXX XXXX, has successfully deposited several business checks into our Wells Fargo checking account in the past without incident. However, I am now facing a major issue with one particular check of a larger amount. 

The funds from this check initially cleared into my account after being on hold for several days, but were later automatically withdrawn without any clear explanation. I was then issued a legal copy of the check by the bank, with instructions to redeposit it into my business account rather than my personal one, as done previously. 

When I attempted to deposit this legal copy at another bank, the deposit was rejected due to a minor error in the payee name on the check. This issue is understandable. However, upon contacting the insurance company that issued the payment, they confirmed that the funds were indeed withdrawn from their account and were not returned, contrary to what Wells Fargo representatives have repeatedly informed me. 

As a result, these funds are currently unaccounted for ( in limbo ) neither returned to the payer nor received by me. Wells Fargo appears to still be holding the funds, yet customer service continues to provide inconsistent information, claiming the check can still be deposited, which is factually incorrect. 

The issuing company can not reissue a new check, as the original payment was already deducted from their 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 2025-10-20 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: IL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - EX 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 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 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief