vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-12-02 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 filing this complaint because my credit report contains several accounts that do not belong to me. After identifying these accounts, I contacted the creditor directly, and they confirmed that the accounts were opened by another individual and are not mine. The creditor also informed me that they have agreed to delete these accounts from my file and will notify the credit bureaus to remove them. Despite this confirmation, the credit bureaus continue to report these fraudulent accounts under my name, causing ongoing harm and inaccurate reporting. 

XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverified debts reported on my credit. 
XXXX XXXX Amount : {$300.00} ( XX/XX/XXXX ) XXXX XXXX XXXX Three accounts totaling {$5000.00} ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX XXXX XXXX -- Amount : {$710.00} ( XX/XX/XXXX ) Actions Taken : I have reviewed my credit reports and do not recognize these debts as mine.

I have contacted the respective companies to dispute these amounts in writing, but the accounts remain inaccurately reported.

I have requested validation of these debts and removal from all credit reports, but no adequate verification has been provided.

I am requesting that the CFPB investigate these accounts, ensure proper verification, and remove any unverified or inaccurate debts from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 1681i & 1681s2 ) and Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ).

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 2025-12-02 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverified debts reported on my credit. 
XXXX XXXX Amount : {$300.00} ( XX/XX/XXXX ) XXXX XXXX XXXX Three accounts totaling {$5000.00} ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX XXXX XXXX -- Amount : {$710.00} ( XX/XX/XXXX ) Actions Taken : I have reviewed my credit reports and do not recognize these debts as mine.

I have contacted the respective companies to dispute these amounts in writing, but the accounts remain inaccurately reported.

I have requested validation of these debts and removal from all credit reports, but no adequate verification has been provided.

I am requesting that the CFPB investigate these accounts, ensure proper verification, and remove any unverified or inaccurate debts from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 1681i & 1681s2 ) and Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issue : Denied Fraud Claim Stolen Mail, Altered Check, XXXX XXXX Wells Fargo has improperly denied reimbursement for a stolen and fraudulently altered check totaling {$33000.00} Timeline : XX/XX/2025 : Check mailed to IRS for tax payment. 
XX/XX/2025 : Check cleared Wells Fargo account. 
XX/XX/2025 : IRS informed me they never received the payment. 
Immediately after IRS notice, I discovered the check had been stolen, rewritten to an unknown person, forged, and cashed at XXXX Bank. 
Wells Fargo denied the claim, citing a 30-day reporting deadline. 
This denial is inappropriate because I had no knowledge of the fraud until notified by the IRS months later. The check was stolen from the mail, altered, and fraudulently endorsedcircumstances that fall under UCC protections for consumers and should not be denied based on a timeline I could not control.

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 monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I paid my final payoff amount of {$670.00} to Acima. Their system marked the payment Successful and I was verbally told by a representative that this payment completed my lease and brought my account to a {$0.00} balance. 

Despite this, Acima reopened my account later the same day due to their own internal processing failure. After reopening the account, Acima added new charges, including : A {$570.00} rent charge A {$19.00} late fee A {$25.00} NSF fee These charges were added after my payoff was completed and were not part of the original payoff amount that Acima provided to me. 

I recorded a call with an Acima supervisor named XXXX, who admitted the following : 1.The account was reopened because Acima failed to process a transaction correctly, not because of anything I did. 
2.Acima attempted to collect a payment after the payoff was already completed.

3.Acima refused to provide my payoff confirmation or any account documentation I requested.

4.Acima refused to verify the debt when I asked.

5.The supervisor refused to provide his employee ID or last name. 

I requested copies of all account records, including the payoff confirmation email, call notes from XX/XX/XXXX, and the explanation for why the account was reopened. Acima refused to provide any documentation and stated they were not allowed to send it. 

Acima is attempting to collect money I do not owe, and they will not provide verification of the debt, which violates federal consumer protections. Their internal processing error should not result in new charges to me. 

I am requesting CFPB assistance to : Remove all charges added after my payoff Close my account with a {$0.00} balance Provide my payoff records Provide call notes and documentation Investigate Acima for improper billing and refusal to verify a debt I can provide the recorded call where the supervisor admits the internal error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony is repeating the same denial without actually investigating anything. They did not provide : Any proof I authorized this charge Any check-in logs, reservation confirmations, or identification from the hotel Any device/IP information showing I made the purchase Anything that ties me to this transaction I have never stayed at this hotel, never booked a stay, and never used my XXXX XXXX account for it . Synchrony can not simply claim the account is over XXXX months old as justification for ignoring a fraud report. That has nothing to do with the validity of THIS transaction. 

The charge is fraudulent. I caught it immediately and notified them immediately. 

I am requesting that the CFPB require Synchrony to : XXXX. Reopen this dispute XXXX. Conduct a real investigation XXXX. Provide actual evidence that I authorized the charge XXXX. Remove the fraudulent transaction and all related fees if they can not prove authorization At this time, Synchrony has not met their obligations under Regulation Z, and their response did not address any of the facts I raised. 

Thank you. 

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 2025-12-02 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX 2. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx, XXXX XX/XX/year> IQ DATA INTERNATIONAL INC. 
XXXX XXXX XXXX XXXX, WA XXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and hereby request full validation of the same. 
Because this matter directly impacts my credit history, I am requesting the following documentation : 1. Proof of responsibility for the debt A copy of the original signed agreement or any document that confirms my legal obligation with the original creditor. 

2. Details of the amount owed A detailed breakdown of all charges, including interest, additional fees, and payments made.

A copy of the last billing statement issued by the original creditor.

The exact balance owed at the time of transfer and any subsequent charges applied.

3. Information about the original creditor Full name and address of the original creditor.

Original account number.

The date the debt was transferred and the entity that acquired it.

4. Proof of authority to collect this debt Documentation proving your agency is legally authorized to collect this debt. 
A copy of your debt collection license in my state, including license number and issuing regulatory authority. 
5. Additional requested information The original due date of the debt and the date it was first considered delinquent.

Confirmation that the debt remains within the applicable statute of limitations.

Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation, I request that this debt be removed from my credit report. Reporting inaccurate or unvalidated information may constitute a violation of the FCRA, and I reserve the right to pursue all appropriate legal remedies. 
If adequate validation is not provided within the legally required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal authorities. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My vehicle was repossessed by Ally Financial at approximately XXXX XXXX. During the repossession, the tow operator triggered my car alarm, which went off loudly and woke me and my children. This was a major disturbance in the middle of the night. A repossession must be conducted peacefully and can not cause noise or disturb the household. This is a breach of the peace and makes the repossession unlawful under UCC Article 9 and state consumer protection laws. 

The vehicle was also damaged during the repossession. The damage was not present beforehand and appears to be the result of improper towing or forced entry. 

Ally has not taken responsibility for the disturbance or the damage. I am requesting : An immediate investigation Repair compensation Reduction or cancellation of the remaining loan balance Removal of the repossession from my credit report Any other relief available under consumer protection laws I am filing this complaint because the repossession was not peaceful, not lawful, and caused harm to me and my children. 

Ally is also documenting my fees, balances, and payments incorrectly on my account dashboard. I recently paid {$3800.00}, and while their system shows the payment was received, the allocation is inaccurate and incomplete. Allys system is only showing {$310.00} applied to late charges and {$2100.00} applied to finance charges, which does not account for the full amount I paid. The remaining balance of my payment is not reflected anywhere in their breakdown. In addition, Ally is incorrectly reporting that I am already behind on payments, missing a payment, and late for a payment due on XX/XX/XXXX, even though today is XX/XX/XXXX and that due date has not yet arrived. This inaccurate reporting of payments and delinquency is misleading, unfair, and harmful, and it violates accurate accounting and fair reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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 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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting 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 2025-12-02 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 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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief