vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Whom It May Concern at the CFPB, I am filing this complaint to request a formal investigation into the excessive number of hard credit inquiries placed on my credit reportsparticularly with TransUnionon or around XXXX, XXXX. Up until XX/XX/XXXX These inquiries stem from a single attempt to obtain auto financing through a dealership. When reviewing my TransUnion report, I discovered over XXXX hard inquiries from dozens of different auto lenders, many duplicated on the exact same day. I did not knowingly authorize this level of inquiry activity. I only applied for financing once and did not give informed consent for each individual lender to access my credit report. I contacted all three credit bureausTransUnion, XXXX XXXX XXXX  phone to dispute these inquiries. My disputes were denied, and I was not given the opportunity to submit documentation or an explanation in writing. There was no clear investigation conducted. I also contacted the dealership directly. They claimed I had given authorization, but I only intended to submit one credit application. I was never informed that my personal information would be distributed to dozens of lenders simultaneously. Due to the overwhelming number of inquiries and the bureaus refusal to investigate, I took the step of freezing my TransUnion credit file after the dispute in an attempt to prevent further damage. This level of inquiry activity, performed without clear authorization, violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this situation and compel the credit bureaus to remove these excessive and improperly authorized inquiries from my reports. Lender Name Number of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter and your efforts to protect consumers from unfair credit reporting practices. Sincerely, XXXX XXXX Duplicate Inquiries by Lender ( All Dated Around XX/XX/XXXX ) : through 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
The account is being reported with a charge-o status and simultaneously showing a pastdue amount, which is inconsistent and misleading. A charged-o account should not continue to accrue a past-due balance in this manner.

The reporting of a current balance after charge-o suggests continued delinquency, which inflates the negative impact on my credit score.

Payment history is incomplete and lacks transparency, with several months missing and no proper record of activity prior to the charge-off status.

No documentation has been provided to support the accuracy or validity of the amounts reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This account is over 7 years old I would like for this to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.
State: MI

Complaint narrative:
Back in XXXX, I bought bitcoin and XXXX on XXXXXXXX XXXX XXXX account but then they unexpectedly stopped supporting crypto on their system and gave me the option to either transfer my crypto to a mobile wallet supported by blockchain.com. I was losing money on the crypto at the time so instead of selling for a loss, I decided to transfer the money to blockchain.com. In XXXX, I tried to transfer these cryptos out of my wallet but they would not let me. I ended up selling the crypto in their wallet and tried to transfer the money out but every time I try to transfer, no transfer is initiated. I tried talking to their online support but they did not help at all. They only told me that I need to initiate another transfer which I had already done plenty of times and wait for the money to be transferred out of the account to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
SANTANDER CONSUMER USA IS REPORTING INACCURATE INFORMATION FOR VECHICLE THAT WAS SURRENDER AND THEY SOLD. THIS VEHICLE HAD XXXX  XXXX  AS WELL THAT TOOK CARE OF THE BALANCE AND THEY REPORTING THE ACCOUNT PAST DUE WITH IT BEING SURRENDER AND SOLD AT AUCTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am formally disputing the continued reporting of a Wells Fargo auto account on my XXXX  report. The account has been charged off, yet XXXX  continues to report it as active with ongoing paymentsthis is materially misleading and inaccurate. Despite multiple CFPB disputes, XXXX  has failed to correct this. 

Wells Fargo has repeatedly confirmed ( in CFPB responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>2025 ) that the account was charged off. However, they also contradict themselves by claiming it is not closed and still reflecting a balance over {$48000.00}. The reporting of ongoing payment activity post-charge-off is misleading, damages my creditworthiness, and gives the false impression that this account is being actively repaid when in fact it is not.

This violates the FCRA, specifically 15 U.S. Code 1681s2, as it creates a materially inaccurate and deceptive credit profile. XXXX  has failed to correct this even after being made aware. This is my final notice before I pursue legal and regulatory remedies.

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 2025-07-27 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX an XXXX I authorized transaction was debited from my account XXXX XXXX  Of XXXX and XXXXThen several days later an unauthorized transaction XXXX XXXX was debited called the fraud service at Navy Federal credit union and they corrected by crediting the XXXXSo 3 weeks later NAvy federal came back and debited XXXX from my account saying that they told me that they was going to debited the unauthorized transaction from my account. I never received any email nor E message from the bank. I ask why they can not give me valid reason. So I done appeal and sent proof of all authorize transaction that I had authorized. I never authorized any one to take XXXX from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda Finance is just ridiculous. HONDA HAVE NOT REPORTED MY LOAN ACTIVITY TO THE CREDIT BUREAUS IN OVER 8 MONTHS! Last time they reported was XX/XX/XXXX and today is XXXX XX/XX/XXXX... nearly 9 months. To make things even worse, my loan is PAID IN FULL, but the credit bureaus report that I still owe over {$4500.00}! I called Honda TWICE to get the problem fixed. At Honda 's request, I also sent them a letter with all the details they asked ( confirming what THEY KNOW, that my account has been paid in full ). It has been more than 30 days since sending the letter and NOTHING. This is totally unacceptable. I did my part of the deal, and Honda is NOT doing theirs! It is directly impacting my credit and my chances of getting a new car, as the Credit Reports still show this as an open loan. It's been nearly NINE MONTHS without reporting to the Credit Bureaus. Totally ridiculous. Honda has great cars, but their backoffice support team has much left to be desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I got served today with a summons for XXXX court court. The summon is from a company Calvary spv I llc. A debt buyer. Their lawyer is XXXX XXXX XXXX. The problem we have is the debt buyer never contacted me about them buying the debt. No statements no phone calls. This company need to be investigated. They seem to think federal laws does not apply to them.I will call them tomorrow to see about payment arrangements. But the fact they can just not send no information and foel.innciurt is bull..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. Two XXXX XXXX XXXX  accounts are being reported as Account information disputed by consumer even though I have never disputed these accounts. 

As a result, I am unable to file a correction via the Equifax online portal because their system blocks new disputes when an account is already marked disputed. This inaccurate status may negatively affect my credit profile and violates FCRA 1681i, which states credit bureaus may only mark accounts as disputed if a dispute was actually filed by the consumer.

This false reporting is misleading, materially inaccurate, and prevents me from correcting my own credit file. It is also potentially a result of erroneous flagging by either Equifax or XXXX ( XXXX  ). Either way, I have had no success having it removed through traditional channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-07-27 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: TX

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item ( s ) that is listed on my consumer credit report : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX - XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2025-07-27 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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item ( s ) that is listed on my consumer credit report : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX - XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I received notifications of hard credit inquiries on my credit reports from CB/Indigo . I immediately contacted the company who stated that I had applied for and opened the card that morning which I had not, but my name was on the account as well as the last four of my social. My home address was not the address used but they would not provide the actual address used. The credit card had a {$0.00} balance and {$700.00} limit. The representative did state the the card/account had been closed after speaking with me and turned over to their fraud department who does not work on weekends. I am a law enforcement officer and the representative would not provide me with any information regarding who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MS

Complaint narrative:
On XX/XX/year>, I purchased tickets through XXXX totaling approximately {$500.00} using Klarna. As of today, I have still not received the tickets I paid for. 

After realizing I may not be able to attend the event, I contacted XXXX to ask for a refund. I was told that no refund would be given under any circumstances and that I would have to resell the tickets despite the fact that the tickets were never delivered to me and I had already paid Klarna in full. 

When I asked to speak to a supervisor, the XXXX manager told me over the phone, You can sue us if you want. XXXX has provided no documentation, no updates, and no delivery, only verbal refusals. 

I then contacted Klarna to file a dispute. They told me it could take up to 21 days for a specialist to review, but I have already made all Klarna payments and still have no resolution or product delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I never received XXXX XXXX XXXX credit card the company closed my account on XX/XX/year>XXXX  and XXXX  showing closed on XX/XX/year>XXXX  showing to different past due balances {$19.00} and {$0.00} and have been paid and removed from my XXXX  credit file already. But reporting inaccurate information on XXXX  and XXXX. 


I never received First Latitude credit card the company closed my account on XX/XX/year>XXXX  and showing to different past due balances {$120.00} and {$0.00} and have been paid and removed from my XXXX  credit file already. But reporting inaccurate information on XXXX  and XXXX. 


I never received XXXX XXXX XXXX the company closed my account on XX/XX/year>XXXX  and showing to past due balances {$0.00} and have been paid and have not been removed from my XXXX credit file already. But reporting inaccurate information on XXXX  and removed from XXXX  and XXXX  credit file. 

All three credit card companies have been notified of the errors on my credit file and its a violation of the FCRA. The bureau 30 day investigation completed but havent been removed by credit bureau and The FCRA mandates that CRAs ensure the accuracy and completeness of consumer information and provides procedures for correcting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$170.00} Comenity Bank {$770.00} XXXXXXXX XXXX {$470.00} XXXX  {$330.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$4400.00} XXXXXXXX XXXX {$170.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: The Bureaus, Inc.
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$170.00} XXXX XXXX {$770.00} The Bureaus {$470.00} XXXX  {$330.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$4400.00} XXXX XXXX  {$170.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i requested the chain of title, debt validation and for all inaccuracies be delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
i requested the chain of title, debt validation and for all inaccuracies be delete

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