vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am related to the above-referenced account. 

The last activity on this account occurred more than XXXX years ago. The statute of limitations for legal action to collect this debt has expired, and it is now considered " time-barred ''. Under the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from suing or threatening to sue for a time-barred debt. 

I am also aware that making a payment or acknowledging this debt can restart the statute of limitations. This letter is not an acknowledgment of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NY

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 2025-10-07 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: NY

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-07 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-07 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I took my XXXXXX/XX/XXXXXXXX to XXXX in XXXX XXXX, California for a screen repair. I was verbally told that I would receive an XXXX screen for ( I paid {$240.00} for this ), but the shop installed an XX/XX/XXXXscreen instead. After the repair, my phone began overheating and the front camera became misaligned. Because of this, I had to take my phone to XXXX the same day to have it properly repaired ( this cost {$410.00} ), resulting in me paying twice for a screen replacement. The repair shop provided poor service and caused damage to my device, so I did not feel comfortable returning to them for any further work. 

I filed a dispute with Citi Bank for the repair charge, but it was denied based on a signed receipt. Citi Bank did not appear to thoroughly review the situation. I later discovered that other customers have reported similar issues with this company in recent XXXX reviews. I sent these in as well as my repair details from XXXX to Citi Bank and was subsequently denied and informed to report my issue to the CFPB.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

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 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 2025-10-07 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a formal complaint against Wells Fargo Auto for improper loan servicing, debt cancellation, and credit reporting practices related to an auto loan. This complaint seeks disclosure triggered by both CFPB and FTC 's investigative findings of Wells Fargo 's deceptive auto loan practices resulting in improper repossession of vehicles from customers, ranging from year XXXX to XXXX. I have repeatedly requested from Wells Fargo the following information : 1. Original loan agreement - Original Loan : XXXX XXXX XXXX  - Loan Opened : XX/XX/XXXX - XXXX XXXX/loan modification records 2. Complete payment history documentation - Original Loan Amount : {$30000.00} - Charge-Off Date : XX/XX/XXXX * itemized fee assessment breakdown * * * * * Wells Fargo has only provided the following : * * * * * 1. IRS Form 1099-C ( {$10000.00} debt cancellation ) - Debt Cancellation : XX/XX/XXXX - Filed XX/XX/XXXX * provided to consumer XX/XX/XXXX. 

Wells Fargo 's documented history of multiple federal sanctions in the amount of $ XXXX emphasizes the need for complete, unredacted documentation. Absence of any detailed explanation of charge-off circumstances and missing repossession processes is reflective of Wells Fargo 's continuance pattern of improper financial reporting despite sanctioned violations for illegal auto loan practices.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/year> I reviewed my credit report and noticed there was inaccurate information. 
I am filing this complaint because the credit reporting agencies have failed to maintain accurate and complete information in my credit file, in violation of the Fair Credit Reporting Act, specifically XXXX XXXX 15 U.S.C. 1681e ( b ) XXXX XXXX I notified the bureaus that certain personal information being reported was inaccurate. Despite my communication, they continued to report this incorrect data without conducting a reasonable reinvestigation or ensuring the maximum possible accuracy of the information. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Their failure to correct or verify the disputed information after being notified constitutes a breach of this statutory obligation. This has caused harm to my creditworthiness and may have affected my ability to obtain credit or other services. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureaus comply with their legal responsibilities under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NY

Complaint narrative:
This collection agency, LJ Ross Associates , Inc., marked my credit report in collections for an alleged XXXX account under my name in a house I did not rent. No bill, invoice, receipt or anything has been under my name in the alleged house. When I called them, they said it was for a " final bill '' of XXXX XXXX XXXX, a house my brother rented over 10 years ago and no utility bill has even been under his name or mine as the landlord kept all utilities under their name. The receptionist who answered the phone said the bill was under an XXXX, not XXXX. Therefore, the SSN under that bill is clearly not mine!!! I want this false and fraudulent " collection '' removed from my account and this company to pay me {$40000.00} for the damages it caused to my credit. I am a XXXX XXXX investor and because of this false claim, my credit dropped severely costing me thousands of dollars in a deal where interests severely increased because my score was now XXXX points less.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
My credit score went down and the debt looks delinquent. I never received a bill from XXXX XXXX XXXX or any government facility. The first I heard about this outstanding debt was from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited XXXX into an account at fifth third bank and was told that the fraud dept has issued a hold on the account and that I needed to provide two forms of picture ID and my social security card which I gave them my student ID and my government issued ID and my social security card and then they told me this wasn't enough identification still and I want access to my money which is a government check and they still won't give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, there were multiple unauthorized transactions on my checking account at SoFi bank. The total was over {$1500.00}. I've spent well over XXXX hours of my time on the phone with them disputing and appealing the charges and the bank keeps finding that there were no unauthorized charges. Granted I was credited back about {$250.00}, they keep finding the rest to be authorized charges, despite the charges coming from the same source! The charges were all coming out of XXXX Florida XXXX and a few other retailers, and I live in California. Someone must have got my card information or access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit file contains multiple inaccurate, outdated, and unassociated personal identifiers that violate the accuracy requirements under 15 U.S.C. 1681e ( b ) and 1681i of the Fair Credit Reporting Act ( FCRA ).

The credit bureau is currently reporting incorrect names, outdated addresses, wrong phone numbers, and employers that are not mine. This information is not only inaccurate but also increases the risk of file mixing and identity theft. 

Below is a detailed breakdown of the information that must be removed from my credit file : Names to be deleted : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Correct name to remain : XXXX XXXX ( as it appears on my valid Florida Drivers License ). 

Addresses to be deleted : All addresses except my current residence at XXXX XXXX XXXX XXXX, XXXX, FL XXXX must be removed, including but not limited to : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( all units ) XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX NJ Phone numbers to be deleted : XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX ) XXXX Correct number to remain : ( XXXX ) XXXX Employers to be deleted : XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX  Correct employer to remain : XXXX XXXX  XXXX XXXX I have attached a copy of my valid Florida Drivers License showing my legal name and current address. The bureaus failure to maintain accurate identifiers is a violation of federal law. I am requesting that the CFPB enforce immediate correction of my credit file to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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