vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: GA

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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a customer for over 20 years, and during this time I have always trusted that my bank would apply payments in a fair and transparent manner. Recently, while reviewing my loan statements, I discovered that extra payments I madeevery two to three monthswere being applied entirely to interest instead of principal.

This was very concerning, as there was no option provided for me to select how those payments should be applied. I made those additional payments under the good-faith assumption that they would reduce my principal balance, which is the standard and fair expectation.

After speaking with one of your representatives, I was told these payments would now be adjusted. While I appreciate that step, my concern is broader : Customers should never have to catch these issues on their own.

There must be a clear and transparent outline of how extra payments are applied.

Elderly customers, like my XXXX father, may not have the ability to recognize when they are being disadvantaged in this way.

I ask that Wells Fargo implement and clearly communicate a straightforward policy so that additional payments are always applied to principal unless the customer directs otherwise. Anything less feels like an unfair practice. 

I look forward to your confirmation that these past payments will be corrected, and to learning what steps Wells Fargo will take to ensure this does not happen againeither to me or to others.

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 2025-09-27 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX Account 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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

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 2025-09-27 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: NV

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 2025-09-27 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: Experian Information Solutions Inc.
State: CA

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 2025-09-27 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: GA

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 2025-09-27 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: GA

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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom it May Concern,  \nSubject: Dispute of Voluntary Repossession Reporting - Pursuant to 15 U. S. Code \n1681 ( Fair Credit Reporting Act) \nI am formally disputing the accuracy and validity of a voluntary repossession \naccount reported on my credit file. This dispute is being made under my rights \nprovided by the Fair Credit Reporting Act ( FCRA), 15 U. S. Code 1681.  \nThe accounts in question is listed as:  XXXX XXXX ( auto loan) \nAccount number # XXXX XXXXReported balance XXXX XXXX XXXX XXXX XXXX  ( auto loan)  \nAccount number # XXXX  \nReported balance XXXX XXXX  \nReason for Dispute: \nThe way these accounts are being reported is inaccurate, misleading, and damaging \nto my credit profile. Under the FCRA, all information furnished to credit reporting \nagencies must be 100 % accurate, verifiable, and not misleading. A  voluntary \nrepossession is often mischaracterized in reporting, leading to unfair negative \nimpacts. \nI am requesting that you provide:  \n1. Full verification and documentation, including the original signed contract, \nthe exact terms of repossession, and proof that I authorized and \nacknowledged this specific reporting as  voluntary repossession. \n2. Evidence that these accounts have been reported in strict compliance with \nthe FCRA, including accuracy of payment history, balance, charge-off status, \nand repossession details. \nIf the above information cannot be fully verified, then by law these accounts must \nbe removed from all 3 credit bureaus  immediately. Failure to comply will \nconstitute a violation of the FCRA, and I will pursue remedies under 15 U. S. Code \n1681o, which provides for civil liability, statutory damages, and attorneys fees. \nAs required under 15 U. S. Code S 1681i, you must complete your reinvestigation \nwithin 30 days of receiving this dispute and provide me with written results, \nincluding an updated credit report reflecting corrections or deletions.  \nThank you for your prompt attention to this matter:  \nSincerely,  XXXX 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 2025-09-27 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
I am a victim of identity theft. My credit reports with Experian and TransUnion list multiple fraudulent accounts that I did not open or authorize. 

TransUnion shows three collection accounts : XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1100.00} ( original creditor XXXXXXXX XXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1000.00} ; and another XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$660.00}, marked dispute resolved; reported by grantor. 

Experian reports a XXXX XXXX XXXX account opened XX/XX/XXXX, with a balance of {$5900.00} and {$690.00} past due, listed as a collection account. Experian also shows two derogatory XXXX XXXX XXXX XXXX tradelines : a line of credit opened XX/XX/XXXX with a balance of {$3400.00} and {$110.00} past due, and a credit card opened XX/XX/XXXX with a balance of {$160.00} and late payments.

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 2025-09-27 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: WA

Complaint narrative:
I am a victim of identity theft. My credit reports with Experian and TransUnion list multiple fraudulent accounts that I did not open or authorize. 

TransUnion shows three collection accounts : XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1100.00} ( original creditor XXXXXXXX XXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1000.00} ; and another XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$660.00}, marked dispute resolved; reported by grantor. 

Experian reports a XXXX XXXX XXXX account opened XX/XX/XXXX, with a balance of {$5900.00} and {$690.00} past due, listed as a collection account. Experian also shows two derogatory XXXX XXXX XXXX XXXX tradelines : a line of credit opened XX/XX/XXXX with a balance of {$3400.00} and {$110.00} past due, and a credit card opened XX/XX/XXXX with a balance of {$160.00} and late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
I am a victim of identity theft. My credit reports with Experian and TransUnion list multiple fraudulent accounts that I did not open or authorize. 

TransUnion shows three collection accounts : XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1100.00} ( original creditor XXXXXXXX XXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1000.00} ; and another XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$660.00}, marked dispute resolved; reported by grantor. 

Experian reports a XXXX XXXX XXXX account opened XX/XX/XXXX, with a balance of {$5900.00} and {$690.00} past due, listed as a collection account. Experian also shows two derogatory XXXX XXXX XXXX XXXX tradelines : a line of credit opened XX/XX/XXXX with a balance of {$3400.00} and {$110.00} past due, and a credit card opened XX/XX/XXXX with a balance of {$160.00} and late payments.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have repeatedly spoken to Chase Bank regarding account # [ XXXX ] to request a hardship arrangement due to financial hardship and XXXX. On at least three occasions, when I stated I could only afford $ XXXX, the representative placed me on hold and the call was disconnected. Chase has refused to provide anything in writing, despite multiple requests, and has made it impossible for me to come to an agreement. I have also received calls from Chase that disconnect immediately after I answer. I believe Chase is deliberately avoiding a resolution to push the account into charge-off status. I am requesting CFPB assistance to obtain a fair written hardship agreement and assurance that Chase will provide reasonable accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions 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 2025-09-27 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-27 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation