vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
Dear Credit Bureau Representative, I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, concerning the inaccurate and damaging information that your agencies continue to report about my XXXX auto loan. 

For several months, you have reported that this account was repossessed and marked negatively. You also indicated that the account had been verified after my dispute. However, this is false and misleading information, and your agencies have failed to provide any documentation to substantiate these claims. 

I am now providing you with official proof from XXXX XXXX XXXX, dated XX/XX/year>, confirming that my account was paid in full and the XXXX satisfied as of XX/XX/year>. 

This document directly contradicts the negative reporting currently appearing on my credit file. 

Violations of the FCRA Failure to Conduct a Reasonable Reinvestigation Under XXXX U.S.C. XXXX ( a ), you are required to conduct a reasonable investigation of any disputed information. You failed to do so, as you did not request or review the payment and XXXX release confirmation from the furnisher ( XXXX ). 

Reporting Inaccurate Information Under XXXX U.S.C. XXXX ( b ), you are required to ensure maximum possible accuracy of information reported. Continuing to list this account as repossessed, when in fact it was paid in full, is a direct violation. 

Failure to Delete Inaccurate Information Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if disputed information can not be verified, it must be deleted. You have failed to comply with this requirement. 

Demand for Deletion Given the official paid-in-full letter from XXXX that I am attaching, I demand the immediate deletion of all negative and inaccurate references to this account from my credit reports with Experian, Equifax, and TransUnion XXXX 

If this false reporting is not corrected within the required XXXX period, I will pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and the Arizona XXXX XXXX XXXX XXXX and I will consider civil action for damages caused by your noncompliance. 

Please provide me with written confirmation once the inaccurate reporting has been corrected and deleted from my file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
Dear Credit Bureau Representative, I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, concerning the inaccurate and damaging information that your agencies continue to report about my XXXX auto loan. 

For several months, you have reported that this account was repossessed and marked negatively. You also indicated that the account had been verified after my dispute. However, this is false and misleading information, and your agencies have failed to provide any documentation to substantiate these claims. 

I am now providing you with official proof from XXXX XXXX XXXX, dated XX/XX/year>, confirming that my account was paid in full and the XXXX satisfied as of XX/XX/year>. 

This document directly contradicts the negative reporting currently appearing on my credit file. 

Violations of the FCRA Failure to Conduct a Reasonable Reinvestigation Under XXXX U.S.C. XXXX ( a ), you are required to conduct a reasonable investigation of any disputed information. You failed to do so, as you did not request or review the payment and XXXX release confirmation from the furnisher ( XXXX ). 

Reporting Inaccurate Information Under XXXX U.S.C. XXXX ( b ), you are required to ensure maximum possible accuracy of information reported. Continuing to list this account as repossessed, when in fact it was paid in full, is a direct violation. 

Failure to Delete Inaccurate Information Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if disputed information can not be verified, it must be deleted. You have failed to comply with this requirement. 

Demand for Deletion Given the official paid-in-full letter from XXXX that I am attaching, I demand the immediate deletion of all negative and inaccurate references to this account from my credit reports with Experian, Equifax, and TransUnion XXXX 

If this false reporting is not corrected within the required XXXX period, I will pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and the Arizona XXXX XXXX XXXX XXXX and I will consider civil action for damages caused by your noncompliance. 

Please provide me with written confirmation once the inaccurate reporting has been corrected and deleted from my file. 

Sincerely, 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
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}

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 2025-08-20 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: SC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$6500.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5600.00} Account name : 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 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 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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights and violated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with collection agency. This company is violating my rights and I'm entitled to {$1000.00} for every violation listed. The collection company will need to either pay me or delete this account ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
I am submitting this complaint because Transunion continues to report late payments on the following accounts below, despite my request for verification. I formally disputed these entries and requested proof per the FCRA, but no supporting documentation was provided. Transunion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 
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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX XXXX I attempted to withdraw money from the ATM XXXX XXXX using my debit card. 

I have an electronic receipt. No money was dispensed. 

I waited until the bank opened the next business day and went to the teller to ask for assistance, but she told me to call the phone number on my bank card to file a claim. 

I called and filed a claim on the phone on the same day after leaving bank. 

The bank gave me provisional credit on XX/XX/XXXX in the amount of {$450.00}. 

My online bank account registered the {$450.00} withdrawal on XX/XX/XXXX rather than XX/XX/XXXX. 

On XX/XX/XXXX, they provided me my provisional credit. 

On XX/XX/XXXX, they concluded that nothing went wrong and took back my provisional credit. 

Called XXXX on XX/XX/XXXX. Spoke with XXXX. 
Nothing can be done. 

I was told to file a claim with the police if I want to get footage at the ATM. 

Someone else told me on the phone that I may email XXXX any proof that the machine didnt dispense money. 

XXXX from management called me on XX/XX/XXXX and left a message. I called back, but he was at lunch. He called at XXXXXXXX XXXX and told me that my claim was closed. 

They mailed me some that I received XX/XX/XXXX of the computerized data of the ATM machine that is incomprehensible to me of how their claims department concluded that my claim was denied. 

All I know is this - I went to the ATM, I put in my card, I requested {$450.00} from my checking account, the machine didnt dispense the money, and the banks computer system auto deducted that non-dispensed amount from my account. I lost {$450.00} and they made me feel like I was the one not telling the truth. This is the first time in my life that an ATM machine didnt dispense not dispense money from my account that has sufficient funds. 

Please help make me whole again. There has to be a different way to see that I didnt receive the cash from the ATM machine. 

This just doesnt make sense. 

I even talked to the branch manager and I asked her if this has ever happened before. Her response was, Yes, but only {$20.00}, not {$450.00}. 

I am really at a loss for words. I did online searches and I am discovering that this is not a new thing or a one-off with Wells Fargo . It has happened quite frequently. I am so sad it happened to me.

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 2025-08-20 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: NY

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which is XXXX XXXX XXXXXXXX, XXXX XXXX & XXXXXXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require TransUnion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
In XX/XX/year>, I received a written settlement offer by text from Halsted Financial Services regarding a debt originally with XXXX XXXX XXXX XXXX ( XXXX of XXXXXXXX XXXX XXXX ). The message stated I was eligible for a {$6500.00} discount off the full balance of {$8100.00}, with an option to pay through 36 biweekly installments of {$45.00}. I did not act immediately on the offer but reached out later intending to accept it. 

On Wednesday, XX/XX/XXXX, I emailed Halsted to ask about settling the account. I sent follow-up emails on Saturday, XX/XX/XXXX, and Monday, XX/XX/XXXX. I did not receive a response. On Tuesday, XX/XX/XXXX, I called Halsted directly. During the phone call, a representative informed me that the account had been sold to a new creditor. However, they refused to disclose the name or contact information of the company that now owns the debt. I was given no instructions on how to resolve the matter with the new holder. 

I am trying to resolve this debt in good faith, but without knowing who owns it or how to contact them, I can not proceed. I am requesting that Halsted Financial Services be required to disclose who currently owns the account and provide appropriate documentation verifying the sale or assignment, in accordance with my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 2025-08-20 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: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
Dear CFPB, I am filing this complaint to dispute an unlawful and inaccurate repossession being reported on my credit profile and handled by [ Creditor/Collectors Name ].

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to accurate reporting and full validation of any alleged debt. At this time, [ Creditor/Collector ] has failed to provide the legally required documentation that proves the repossession was lawful, accurate, and reported in compliance with federal regulations.

Specifically, I request : Full validation of the debt and repossession under 15 U.S.C. 1692g, including : Original signed contract Full payment history Notices of default and right to cure Proof of lawful repossession procedures ( including required notices prior to and after repossession ) Auction/sale documentation as required by the Uniform Commercial Code ( UCC 9-610 , 9-616 ) Correction or deletion of any inaccurate, incomplete, or unverifiable information on my credit reports, as required by the FCRA ( 15 U.S.C. 1681i ).

Cessation of reporting until this matter is fully validated and resolved.

If [ Creditor/Collector ] can not provide the above documentation, they are in violation of both the FCRA and FDCPA, and the repossession record must be removed immediately from all consumer reporting agencies.

I am requesting that the CFPB investigate this matter to ensure my consumer rights are protected and that [ Creditor/Collector ] complies with all applicable laws.

Thank you for your attention to this urgent complaint. Please provide me with written confirmation of the investigation and its results. 
Sincerely, [ XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation