vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to formally lodge a serious complaint regarding the forced closure of my Certificate of Deposit ( CD ) account on XX/XX/year>, which contained my personal funds in the amount of {$1000.00}. 

The account was closed without any prior notice, explanation, or authorization from me as the account holder. Since that date, I have repeatedly contacted U.S. Bank to request information regarding the status of my funds. Instead of receiving clarity, I have been transferred from one department to another, with no confirmation of when or how I will recover my money. This lack of transparency is unacceptable and has caused me extreme stress and concern. 

It is important to note that there are no U.S. Bank branches in XXXX XXXX XXXXXXXX, where I reside, leaving me with no ability to resolve this matter in person. 

By closing my account without prior notification, refusing to provide clear information regarding the disposition of my funds, and withholding my money without justification, U.S. Bank has engaged in gross violations of my rights as a consumer of financial services, including but not limited to : The Truth in Savings Act ( TISA ), requiring financial institutions to provide timely and accurate disclosures regarding accounts ; Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Consumer Financial Protection Bureau ( CFPB ) guidelines ; My right to access my own deposited funds, a fundamental principle of fair banking practices. 

This treatment is outrageous, deeply distressing, and entirely unacceptable. I hereby demand the immediate return of my {$1000.00} via a check issued and mailed to my verified address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Failure to comply without delay will leave me with no choice but to escalate this matter by filing official complaints with the Office of the Comptroller of the Currency ( OCC ), and the Federal Deposit Insurance Corporation ( FDIC ), as well as pursuing all other remedies available under federal and state law. 

I request a confirmation of this complaint, including the issuance and mailing of the check, within five ( 5 ) business days of receipt of this letter. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>

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 2025-07-29 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: IL

Complaint narrative:
I'm writing to dispute and demand correction of inaccurately reported late payments on my credit report tied to this account. These reported delinquencies are simply not accurate, and Im requesting that the creditor provide proper validation for each alleged late payment because, to be clear, this account has always been paid on time, as agreed. 

I take my payment history seriously, and Ive always made every effort to meet my obligations on or before the due date. I have reviewed my own records thoroughly and can confirm there were no missed or late payments on this account during the periods being reported as delinquent. Unless the creditor can produce clear, documented proof including billing statements, due dates, and actual payment posting dates these negative marks must be considered unsubstantiated and legally invalid under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 do not recognize this late payment, and it doesnt align with my payment behavior. Kindly correct the record promptly.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm writing to dispute and demand correction of inaccurately reported late payments on my credit report tied to this account. These reported delinquencies are simply not accurate, and Im requesting that the creditor provide proper validation for each alleged late payment because, to be clear, this account has always been paid on time, as agreed. 

I take my payment history seriously, and Ive always made every effort to meet my obligations on or before the due date. I have reviewed my own records thoroughly and can confirm there were no missed or late payments on this account during the periods being reported as delinquent. Unless the creditor can produce clear, documented proof including billing statements, due dates, and actual payment posting dates these negative marks must be considered unsubstantiated and legally invalid under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-29 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I am requesting XXXX to send me a check in the mail certified or XXXX  or registered to my address. They claim they sent my refund for XXXX to my address. I never got it. I contacted my bank. They contacted XXXX and XXXX claims they already mailed the refund check that I never received. My bank. Told me to contact XXXX and request that they send me another check XXXX Customer Service are excellent obstructionist unfortunately I was unable to get any results on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to dispute inaccurate late payment reports submitted by Bank of America and XXXX XXXX XXXX XXXX. I had set up automatic payments for both accounts, and to my knowledge, all payments should have been made on time. 

Despite this, both institutions reported late payments, which has caused my credit score to drop by over XXXX points. I am requesting an immediate investigation and correction of these errors, as they do not reflect my payment history or the automated payment arrangements in place. 

Please review the payment records and update the credit bureaus accordingly. I would appreciate written confirmation once this matter is resolved. 

Thank you for your 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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute and request a review of a closed auto loan account that continues to affect my credit report negatively. The account was closed because I returned the car, and I no longer own the vehicle. The loan amount is {$12000.00}, the car was sold, and the information reported to my credit is incorrect.

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 2025-07-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent account that I have identified on my credit report are as follows:\nXXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n XXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am currently owed a student loan refund from Nelnet that has not been paid. Nelnet will not confirmed over the phone that my refund has been processed and sent to the U.S. Treasury for disbursement and they refuse to provide me with : The date if and when it was submitted The amount submitted Any transaction ID or reference number I have called multiple times, and each representative repeats the same answer without providing documentation or timelines. This lack of transparency and accountability is unacceptable. I am requesting assistance to compel Nelnet to : 1. Confirm the exact date and method the refund was submitted to Treasury, 2. Provide proof or tracking of the disbursement, 3. Clearly state when I can expect the funds to arrive. 

I am also including the original notification I received regarding the refund : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I presented a negotiable instrument payable to XXXX XXXX XXXX  ( XXXX ) to Wells Fargo Bank for processing, per prior instruction. I presented copies of the original instrument in person at the branch. Wells Fargo retained the original instrument and provided only photocopies. No immediate processing, rejection, or return of the instrument occurred. 
On XX/XX/year>, Wells Fargo issued a letter more than three weeks after the instrument was presented which they later claimed ( on XX/XX/year> ) constituted a notice of dishonor. However, under UCC 3-501 ( b ) ( 2 ) and 3-505, a bank must return or dishonor a negotiable instrument by midnight of the next banking day following presentment. Their delay invalidates the dishonor. 
In their XX/XX/XXXX response, during a call Wells Fargo also admitted they no longer have the instrument and claimed I should have sent it directly to XXXX. This contradicts their initial instruction and their role in accepting and retaining the original. I was never informed the instrument was defective or rejected at the time. 
I have been left without a resolution, no return of the original instrument, and no credit to my account. I believe this constitutes conversion under UCC 3-420, bad faith, and a breach of their duties under commercial banking law. It has caused me financial harm and disrupted my loan account.

Violations I have found to be true UCC 3-603 ( a ) : Payment tender discharges the debt.

UCC 3-501 ( b ) ( 3 ) : Bank must return the instrument upon dishonor.

UCC 3-505 : Dishonor must occur by next banking day this was delayed 22 days.

UCC 3-420 : Retaining a negotiable instrument without right constitutes conversion.

12 CFR 1026.36 ( c ) ( Regulation Z ) : Creditors must credit payments when received.

Bad faith and unfair practices under TILA and possibly FDCPA/Rosenthal 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 explanation
Consumer complaint received 2025-07-29 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX RE : Formal Complaint Against Equifax for Reporting Inaccurate XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax for reporting an inaccurate and unverifiable collection account from XXXX. 

The account details are as follows : Original Creditor : XXXX Account Number : XXXX Reported Balance : {$960.00} Date Opened : XX/XX/XXXX Reported as Unpaid/Collection in XX/XX/XXXX This account is being reported as a collection account, opened XX/XX/XXXX. However, todays date is XX/XX/XXXX, meaning only XXXX months have passed since the alleged account was opened. It is highly irregular and legally questionable for a debt to go into collection in such a short timeframe especially without any payment history, validation of debt, or prior notice.

This may constitute a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Additionally, there is no record of XXXX ever notifying me of this debt, and no opportunity was given to resolve it before Equifax allowed it to be reported and damage my credit profile. 

I have already disputed this item with Equifax and have not received a meaningful response or validation of the debt. 

I am requesting the CFPB to investigate this matter immediately and instruct Equifax to either provide documented, verified proof of this accounts validity and proper reporting timeline or permanently remove it from my credit file. 

Please contact me with any further questions or required documentation. I appreciate your help in resolving this urgent and harmful error. 

Sincerely, XXXX 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 2025-07-29 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: IL

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I call some time back to remover address off my report and a student loan cause I never lived in XXXX nor have I ever enroll in a school there. Then I told them about a phone bill plan that showed up on my report when I have been with XXXX XXXX XXXX for the pass XXXX years. Then I used code 15 US code 1681e b and 1681i 5 cause child support should not have been on my report

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I call some time back to remover address off my report and a student loan cause I never lived in XXXX nor have I ever enroll in a school there. Then I told them about a phone bill plan that showed up on my report when I have been with XXXX XXXX XXXX for the pass XXXX years. Then I used code 15 US code 1681e b and 1681i 5 cause child support should not have been on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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