vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: CA

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 2025-09-12 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: MI

Complaint narrative:
I am disputing the reporting of my auto loan with XXXX XXXX XXXX. The account was closed and charged off on XX/XX/year>, with a profit and loss write-off. However, the furnisher and bureaus continue to add new derogatory marks and late payments after the account was closed and charged off. 

This is inaccurate and misleading. Once an account is charged off/closed, no new late payments should be added. By continuing to show new derogatory notations, the reporting is incomplete and violates the Fair Credit Reporting Act ( FCRA ). 

I have already disputed this account with the credit bureaus, but instead of correcting the information, more negative items were added. 

I am requesting that this account either be corrected to reflect accurate reporting ( closed/charged off with no additional late notations after the closure date ) or be removed entirely from my credit reports.

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 2025-09-12 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
In accordance with USC 1681g, please erase these invalid accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: MD

Complaint narrative:
My credit builder card which is supposed to be a secured credit card was reported 30 days late. However, per my screenshots from my mobile banking transactions the last time I used this card was XX/XX/XXXX and they took an incoming deposit to my checking automatically to satisfy any balance I had which brought the account to {$0.00}. I had paid the balance well before it was due. Chime claims that the secured credit builder card is associated with a seperate account that the money you add to it goes to and that when I charged the credit builder card I used spot me which is similar to a credit line and then when it was paid back it paid the spot me and not the credit card payment itself and that i had to submit a manual payment in the app even though they already had the funds. I was not aware this product even worked this way. I had only recently been able to even use the SECURED card without my funds being added to the card first to establish a credit limit so I had no idea i was even using spot me because i was not aware this product could be used on a secured credit card. I thought it was only for their checking account such as overdraft protection because thats what they primarily market it as. Bottom line, they had the money well in advance. I dont believe it is fair ro report a payment late if they had the money! I called several times regarding this issue and disputed through the credit bureau and they have only sent back generic responses and did not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-09-12 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Golden1 credit union that my account had been locked due to fraudulent activity after my check has been deposited. I wasnt notified that my account had been locked until XXXXXXXX XXXX, on XX/XX/year>. I had made purchases between the times of XXXXXXXX XXXX on XX/XX/year> and XXXXXXXX XXXX on XX/XX/year>. The last purchase I tried to make was an unsuccessful purchase of {$31.00} at XXXXXXXX XXXX at XXXX XXXX, XXXX XXXX. My card had declined due to my account being locked. I deposited my first check from my new job on XX/XX/year>. They held a portion of my check until the XXXX of XXXX. After receiving the rest of my check on this date, my account was locked and I was not able to make any further transactions. Upon trying to gain access back into my account, I was told by a representative from Golden1 that the account was under review and that I can gain access back into my account between the next XXXX days and there is no way to pull my money out before then. This is extremely detrimental to my livelihood and puts me through financial hardship. The check was clearly written out to me by my job and there were no discrepancies from the mobile deposits.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
This loan was opened in XXXX and closed/paid on XX/XX/XXXX. The balance is {$0.00}, yet the tradeline continues to reflect multiple derogatory late-payment codes ( XXXX, XXXX, XXXX, XXXX, and XXXX  days late ). This is misleading and punitive since the account was resolved. I am requesting that the company and the credit reporting agencies remove the entire late-payment history and update to Paid/Closed Never Late, or delete the tradeline entirely. Despite sending in multiple disputes the dispute status still says not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA I bought a XXXX  XXXX XXXX XXXX XXXX California XXXX. Total price {$29000.00}. Final payment {$10000.00}. Remaining {$19000.00} over 60 months with 18.62 % interest. Financial Services installments. Monthly installments {$500.00} for 60 months. After signing the agreement and receiving the car, they sent me the contract by email. I discovered that the contract they sent me was forged. The signature on the contract is not mine. I complained to them many times, but they did not listen and dont fix anything. You may also have made 8 monthly payments of {$560.00} x XXXX = {$4500.00} which were not deducted from the loan amount. I preferred to file a complaint with the FTC before taking any legal action against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a one-year {$50000.00} Certificate of Deposit ( CD ) through Wells Fargos mobile app at approximately 5 % interest. Wells Fargo withheld {$50000.00} from my account. I received no notice that the CD was closed, and I reasonably believed I had an active CD. 
In XX/XX/XXXX, I called Wells Fargo about the CD and was told the CD had been opened and the interest would be paid on the maturity date. I did not see any credit for the {$50000.00} and the accrued interest. I visited the XXXX of XXXX local branch on XX/XX/XXXX, and the case was subsequently elevated to the Wells Fargo XXXX office. I received an email on XX/XX/XXXX, from the bank, stating that the CD account was closed on XX/XX/XXXX, due to insufficient funds. This was incorrect Wells Fargo had already taken and held my {$50000.00} until XX/XX/XXXX, when it was finally released back to me. I submitted another request on XX/XX/XXXX, demanding a payment of {$3100.00} for lost interest, as my balance from XX/XX/XXXX, to XX/XX/XXXX, exceeded {$50000.00} daily. I attached the statement as proof. The XXXX office representative replied to my request on XX/XX/XXXX. 
Wells Fargos XXXX office confirmed : CD opened on XX/XX/XXXX. 
Closed on XX/XX/XXXX. 
No notice of closure was ever sent ( in violation of their obligations ). 
{$50000.00} was unavailable to me for over a year. 
I lost approximately {$3100.00} in interest income ( 5 % annual rate ). Wells Fargo acknowledged their error but declined my request for reimbursement. Instead, they offered {$5.00} based on my checking account interest rate. 
I believe Wells Fargo wrongfully deprived me of access to my funds for over a year, failed to provide the legally required notice, and caused me substantial financial harm. I am requesting full reimbursement of {$3100.00} in lost interest.

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 2025-09-12 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely 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 non-monetary relief
Consumer complaint received 2025-09-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-12 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am submitting a complaint to dispute several inaccurate and unverifiable items appearing on my credit file. Under the Fair Credit Reporting Act, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation of disputed items, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy. Additionally, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limits the circumstances under which my credit information may be accessed, and FCRA 619 15 U.S.C. 1681q prohibits false or misleading statements in connection with credit reporting. 
My report lists several late-closed accounts, including * * XXXX XXXX XXXXXXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ending in XXXX, both showing a balance of {$0.00}. These accounts are inaccurately reported and must be corrected or removed, as they do not reflect verified account history and proper reporting standards. 
Furthermore, my report includes multiple inquiries that were not authorized by me. These inquiries include XXXX XXXX  dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX Lending dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  dated XX/XX/XXXX, XXXX  XXXX  Bank XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX Since these inquiries were made without my consent, they are inaccurate and must be removed from my credit file in accordance with the 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
I have disputed this account multiple times. This auto loan account was opened in XXXX and closed on XX/XX/XXXX. The balance is {$0.00} and it was fully satisfied. Despite being closed and paid, the tradeline still reports a XXXX late payment. This is misleading and incomplete, as the account was resolved in good standing. I request that the company and credit reporting agencies remove the late-payment history and update the tradeline to Paid/Closed Never Late, or delete it entirely. Further more I have disputed numerous times but the dispute status still shows not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My Navy Federal {$600.00} share pledge loan ( Account opened XX/XX/XXXX, closed and paid in full in XXXX ) is not reporting correctly. The account shows Unknown for nearly every month instead of reporting my on-time payments. This is incomplete and inaccurate reporting under the FCRA. Please update the account to reflect full and accurate payment history or remove the account entirely if it can not be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This collection account was opened in 2021 and settled in full. The balance is {$0.00} and it is closed, but it is still being reported as a collection/charge-off. This is misleading and incomplete because the account is resolved and no longer collectible. I am requesting that the company and the credit reporting agencies update the tradeline to show Paid/Closed Never Late, or delete it entirely. Account status still reporting not disputed. This account has been disputed multiple of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This account breaches 15 U.S.C. 1681i ( 7 ) due to being reported without valid supporting documentation.

Company response to consumer: Closed with non-monetary relief