vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$18000.00} XXXX XXXX  XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$150.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$18000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX 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 2025-10-23 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: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Received a text message from TitleMax earlier today XX/XX/year> that my account was in collections after making a full payment XXXX which should have given a month to make another payment. Called in store and thier customer service only to get the same response that I made the payment but failed to initial the renewal contract which I think is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
On XX/XX/year> Net Pay Advance made an unauthorized withdrawal from my checking account in the amount of {$220.00}, therefore causing my bank account to become overdrawn by - {$220.00}. I am currently receiving social security benefits that are allocated to me via direct deposit each month. The same day, I contacted my bank, XXXX XXXX XXXX XXXX  to investigate where the charge came from and to attempt to dispute it. I was informed that a bank employee by the name of XXXX, who is employed at a XXXX XXXXXXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX facilitated the unauthorized transaction. XXXX contacted me and informed me that she did in fact facilitate the unauthorized transaction and it could not be disputed because it was from a pay day loan organization. When I informed her that the transaction was unauthorized and I would go to the authorities, she responded by smugly saying : " OK, sounds great! Cause I really don't care. '' Later the same day, I contacted the branch manager to once again attempt to get this charge disputed. XXXX, the branch manager informed me that the charge could not be disputed because Net Pay Advance is a payday loan organization, and that them removing money from my account was somehow not fraudulent. When I asked him if he could at least freeze my checking account so that there would not be anymore unauthorized transactions and XXXX refused to assist me claiming that it was not possible for my account to be frozen. 
From what I understand, social security benefits are protected and exempt from debt collection. especially if they are allocated via direct deposit. Net Pay Advance withdrew federally protected funds from my account without my consent first citizen 's bank failed to protect my checking account, refused to dispute the charge, and refused to help me take measures to avoid further unauthorized withdrawals from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and
using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX XXXX  failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a XXXX XXXX account that is being reported on my credit report. In their prior CFPB response, XXXX  themselves stated the account may involve potential fraud. I did not file a fraud claim this language came from the furnisher.

This admission demonstrates that XXXX XXXX  can not legally validate or confirm the accuracy of the account. They have not provided any signed application, contract, or proof of authorization.

Despite this, [ XXXX XXXX XXXX  / TransUnion ] continues to report the account. Reporting unverifiable or fraud-flagged information is a violation of FCRA 611 ( a ) and 623. The bureaus have no legal basis to continue furnishing this tradeline.

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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a written dispute to XXXX XXXX by certified mail on XX/XX/year> regarding inaccurate information related to a late payment and delayed certificate. 
XXXX confirmed delivery ( tracking no. XXXX XXXX and I requested verification or correction under the Fair Credit Reporting Act ( FCRA 611 and 623 ). 
XXXX XXXX never responded within the required 30-day period. The account continues to report inaccurate information to the credit bureaus without verification. 
This is a violation of the FCRAs requirements for timely and reasonable investigation. 
I am requesting the CFPB open an investigation into XXXX XXXX failure to respond and require correction or deletion of the inaccurate reporting. 
Attached : My certified dispute letter, XXXX proof of delivery, and my Final Notice letter to XXXX XXXX. 

Current date I never heard from company

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 2025-10-23 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: NV

Complaint narrative:
I sent a written dispute to XXXX XXXX by certified mail on XX/XX/year> regarding inaccurate information related to a late payment and delayed certificate. 
XXXX confirmed delivery ( tracking no. XXXX XXXX and I requested verification or correction under the Fair Credit Reporting Act ( FCRA 611 and 623 ). 
XXXX XXXX never responded within the required 30-day period. The account continues to report inaccurate information to the credit bureaus without verification. 
This is a violation of the FCRAs requirements for timely and reasonable investigation. 
I am requesting the CFPB open an investigation into XXXX XXXX failure to respond and require correction or deletion of the inaccurate reporting. 
Attached : My certified dispute letter, XXXX proof of delivery, and my Final Notice letter to XXXX XXXX. 

Current date I never heard from company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The account is not belong to me in accordance with the fair credit reporting act the list of. Accounts below has violated my federally protected consumer rights to privacy and constitutionality 15 usc1681. Wf bna XXXX XXXX XXXXXXXX. Name of the bank. Wells Fargo. Reported 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 monetary relief
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
This letter serves as my formal dispute regarding incorrect personal information currently appearing on my credit report. After reviewing my file, I have identified personal identifiers including my name, address, date of birth, or Social Security number that are inaccurate, outdated, or not associated with me. Reporting such false or mixed information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as it fails to ensure the maximum possible accuracy of consumer information.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a full reinvestigation of all personal identifiers associated with my credit file. Any personal information that can not be verified with proper documentation must be deleted or corrected immediately. 

Additionally, under FCRA 607 ( b ), credit reporting agencies are legally required to maintain procedures to assure maximum possible accuracy of the information they report. The continued reporting of inaccurate or unverified personal information constitutes noncompliance with federal law and misrepresentation of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Complaint Summary : This complaint concerns the continued reporting of inaccurate and outdated personal-identifying information ( PII ) and unresolved identity-theft indicators across multiple credit reports, despite repeated written, phone, and online requests for correction. The company has failed to meet its reinvestigation, disclosure, and safeguarding obligations under the Fair Credit Reporting Act ( FCRA ). 

1 Issues Reported Failure to delete outdated addresses, phone numbers, and employer data. 

Inconsistent presentation of account numbers, payment statuses, and employer information across the major credit bureaus, suggesting possible mixed-file or identity-theft activity. 

Failure to suppress personally sensitive data such as date of birth or Social Security number from public view. 

Refusal or omission to provide a Method of Verification ( MOV ) when disputed accounts were challenged.

2 Violations Cited 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data.

15 U.S.C. 1681s-2 : Failure of furnishers to ensure accuracy in reporting.

15 U.S.C. 1681e ( b ) : Lack of reasonable procedures to assure 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Summary : This complaint concerns the continued reporting of inaccurate and outdated personal-identifying information ( PII ) and unresolved identity-theft indicators across multiple credit reports, despite repeated written, phone, and online requests for correction. The company has failed to meet its reinvestigation, disclosure, and safeguarding obligations under the Fair Credit Reporting Act ( FCRA ). 

1 Issues Reported Failure to delete outdated addresses, phone numbers, and employer data. 

Inconsistent presentation of account numbers, payment statuses, and employer information across the major credit bureaus, suggesting possible mixed-file or identity-theft activity. 

Failure to suppress personally sensitive data such as date of birth or Social Security number from public view. 

Refusal or omission to provide a Method of Verification ( MOV ) when disputed accounts were challenged.

2 Violations Cited 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data.

15 U.S.C. 1681s-2 : Failure of furnishers to ensure accuracy in reporting.

15 U.S.C. 1681e ( b ) : Lack of reasonable procedures to assure 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 2025-10-23 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: ID

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX  ( Original XXXX  ) : Account number : XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I thought I had set my auto-pay up to complete by the date at which my promotional interest rate expired. When I discovered that I was off by {$270.00}, XXXX had charged me excessive interest on the ORIGINAL purchase price of {$3300.00} ( $ XXXX ) rather than the remaining {$270.00}. I have never heard of this practice and thought it seemed unethical. When they referred me to the terms, they are incomprehensible. The statement says " XXXX XXXX XXXX XXXX  XXXX XXXX. '' also - the statement says 28.99 % interest, but the {$1500.00} charge seems to be 46 % of the original purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief