vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: CO

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I submitted a complaint and they said the problem was fixed and there are no restrictions on my account but im still not allowed to login. I have attempted many times and my credentials are correct.

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 2025-09-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I switched my wireless service from XXXX XXXX XXXX XXXX XXXX XXXX At the time of closing my XXXX account, I was given a final bill of approximately {$300.00} ( give or take {$50.00} ), which I paid over the phone. Afterward, I returned my phone to a local XXXX  store. The store representative looked up my account, confirmed there was no balance, and noted my account to reflect the phone return. He stated the phone had no trade-in value due to being old and having a cracked screen, placed it in a bag with my account information, and took it to the back of the store. 

Later, I unexpectedly received another bill from XXXX. I called customer service and explained that I had already paid the final bill and returned the phone as instructed. Despite this, XXXX reported me as delinquent to the credit bureaus, which has negatively impacted my credit. All of the information thats also being reported is in accurate account is closed and it was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Cease and Desist Letter Debt Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Credit Collection XXXX XXXX XXXX XXXX, MA XXXX Re : XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am hereby demanding that you immediately cease and desist all communication with me regarding the alleged debt referenced above. 

I do not consent to any further contact by your office, whether by telephone, letter, email, or any other form of communication. The only communication I will accept is written confirmation that you are complying with this request or, if applicable, a notice of specific legal action you intend to pursue. 

Please note that any attempt to continue collection efforts beyond the limits allowed by law may be considered a violation of the FDCPA, subjecting your agency to penalties and legal liability. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Credit Fresh regarding the unlawful, deceptive, and predatory billing practices associated with my {$5000.00} loan. The facts are as follows : I have made payments totaling {$12000.00} to Credit Fresh.

Of this amount, only {$2200.00} has been applied toward the principal balance of my {$5000.00} loan.

An astonishing {$10000.00} has been siphoned off under the label of billing statement fees.

These so-called fees are not interest and were never properly disclosed, explained, or agreed upon by me at the time I entered into this loan. 

This practice has caused me significant financial harm. I was misled into believing I was making progress in paying down the principal of my loan, when in fact Credit Fresh structured the repayment in a way that ensured I would remain trapped in a cycle of debt, paying fees indefinitely without reducing my balance in any meaningful way.

This is predatory lending in its purest form. Credit Fresh has effectively stolen my money through hidden, undisclosed, and unconscionable fees. The total fees I have paid are more than double the loan principal. This is unfair, deceptive, and abusive within the meaning of the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed that XXXX reported a XXXX  loan on my XXXX  credit file as past due/in default. This reporting is inaccurate. 

I contacted XXXX but did not receive complete documentation or debt validation proving that this account is correctly associated with me. Despite this, the negative account remains on my credit report. 

I dispute this account because it is being reported incorrectly. I request that XXXX  and XXXX investigate and remove or correct the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I noticed that XXXX reported a XXXX  loan on my XXXX  credit file as past due/in default. This reporting is inaccurate. 

I contacted XXXX but did not receive complete documentation or debt validation proving that this account is correctly associated with me. Despite this, the negative account remains on my credit report. 

I dispute this account because it is being reported incorrectly. I request that XXXX  and XXXX investigate and remove or correct the inaccurate 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 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
On Monday the XXXX of XXXX I went to payoff the title loan and the amount was a lot more than I was told on the phone just a week earlier and they denied saying that so I asked for a print out of all my payments and left because the district manager was supposed to call me back but they never did so now I'm submitting a complaint, if they would just come down to the amount they told me on the phone I would pay it off immediately the amount was {$690.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX FL XXXX XXXX Date : XX/XX/year> Halsted Financial Services XXXX XXXX XXXX XXXX IL XXXX Re : Request for Debt Validation Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your Emailed dated XX/XX/year>, regarding the alleged debt referenced above. This is not a refusal to pay, but a request for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original signed agreement or contract that verifies my responsibility ; A complete account history, including how the alleged amount was calculated ; Verification that you are legally authorized to collect debts in [ your state ] ; Proof that the alleged debt has not passed the statute of limitations. 

While this debt is being validated, please cease all collection activities, including reporting to credit bureaus, as required by the FDCPA. 

If you are unable to provide adequate validation, you must cease collection efforts and remove any negative credit reporting associated with this alleged debt. 

Thank you for your cooperation. Please respond in writing and Email to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX I have reached out to this company to validate this debt haven't received the information request, my rights are being voilated i wish for this incorrect information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Issue : On XX/XX/year>, I mailed certified disputes for two XXXX XXXX accounts. 

XXXX responded only by email, never mailing validation. 

Despite this, they continued updating derogatory info, adding interest, and re-aging the accounts. 

They also sent text messages and emails while the dispute was active, which violates FDCPA 15 U.S.C. 1692g.

This is inaccurate, unfair reporting in violation of FCRA 15 U.S.C. 1681s-2.

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 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>2025 my balance wasXXXX, on XX/XX/year>2025 they let 2 payments go through which overdrew my account even more. They then charge me a XXXX overdraft fee, so now my account is negative XXXX, XXXX2025they put through another payment of XXXX, its now negative XXXX, again they charge me another XXXX overdraft fee. XX/XX/scrub>/2025 in the negative XXXX. On XX/XX/year>2025 I get a promotion bonus of XXXX, but because my account is negative I only get XXXX of it. Then on XX/XX/year>2025 my balance is XXXX, they let a payment of XXXX go through overdrawing my account, so on XX/XX/year>2025 my account is negative XXXX on XX/XX/scrub>/2025 they charge me another overdraft fee of XXXX, Im now negative XXXX. I spoke to them and told them if I didnt have money in my account not to put things through, but they said they couldnt do that. I live on a limited income and by the time I pay rent and bills my money is gone. I sure dont have money for all these overdraft fees. It seems like the bank is just trying to make money off people.

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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: TN

Complaint narrative:
I have received numerous phone calls from the company asking when I was paying. I do not and did not have accounts with the company they purchased the information from. So, Im not paying anything. I asked on multiple occasion for the information confirming the account and proving it is mine to be sent for review. Yet, I have still to this day not received the first piece of mail from this company. Nothing! Not even notifying me they now have an account in my name. NOTING...

They refuse to provide accurate or any information. I have disputed the account multiple, multiple times on every bureau that it is listed and they refuse to remove it. I do not know what else to do. This company is keeping me from purchasing a home or vehicle etc... I desperately need help with having this removed. I am a XXXX XXXX patient and do not have the energy or time to continue these fights. My only dream left is to own one home of my own. This is stopping me from doing that. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
I have never heard ANYTHING from them at all. I filed a complaint on their website and with an individual representative. I have not received the first thing confirming the disputes or that they have started or concluded. I still can not open an account because the bank say I have an old account through check-systems. 
I am a XXXX XXXX patient. The times they say these accounts existed, I was barley alive. i could not even take care of myself. Much less open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
This complaint is legitimate and requires your immediate attention. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my personal and financial well-being.

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