vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Transunion is reporting a credit card with XXXX that I never applied as well as multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} Equifax is reporting the same XXXX account along wit inquiries that I never submitted and both have been sent documents from the ftc as well as a police report To corroborate that my info had been stolen and is often used in attempts to procure credit. 
XXXX {$760.00}, 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 XXXXXX/XX/XXXX Equifax is reporting the XXXX account as well for {$760.00}

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 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this compliant. This fraudulent, inaccurate and false information consists of a personal credit card account opened by XXXX which was opened in XXXX of XXXX, under the account number XXXX, an auto loan with XXXX XXXX which was opened in XXXX of XXXX under account number XXXX, XXXX XXXX which was opened in XXXX of XXXX, under the account numbers XXXX and a cell phone account which was opened in XXXX of XXXX under the account number XXXX as well as a storage unit that is listed under XXXX XXXX XXXX account XXXX opened on XXXX These accounts have resulted in several fraudulent hard inquires and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquires as reported. The aforementioned accounts, collections and inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the forementioned accounts, collections and inquires are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX federal trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2025-06-16 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: CA

Complaint narrative:
I am XXXX XXXX, and I am filling the CFPB complaint, because of inaccurate information reporting on my credit reports. The Thing is I have XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX auto loan and I am making payments around 10 months. Experian and Transunion report only 2 month payments and account status is not getting updated since XX/XX/XXXX, also the balance is inaccurate. Equifax reports account as closed. The accurate status of account is open/active with payment history XX/XX/XXXX to XX/XX/XXXX. I am attaching statements from XXXX XXXX XXXX  as proof of payment history, account status and balance. Please update my XXXX XXXXXXXX XXXX account and report accurate 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 2025-06-16 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: CA

Complaint narrative:
I am XXXX XXXX, and I am filling the CFPB complaint, because of inaccurate information reporting on my credit reports. The Thing is I have XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX auto loan and I am making payments around 10 months. Experian and Transunion report only 2 month payments and account status is not getting updated since XX/XX/XXXX, also the balance is inaccurate. Equifax reports account as closed. The accurate status of account is open/active with payment history XX/XX/XXXX to XX/XX/XXXX. I am attaching statements from XXXX XXXX XXXX  as proof of payment history, account status and balance. Please update my XXXX XXXXXXXX XXXX account and report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I can not access ANY of my accounts for Synchrony and all my 5 credit cards on their website via browsers, apps, phone, etc. I was told they will look into it but it will take 7 to 14 days! I need the ability to know my statements and view my promotional stuff and the ability to just VIEW ANYTHING. It has been over a week now and I am seeing I am not the only one that is having this issue constantly with them. 7 to 14 days is unacceptable to keep me in the dark after already waiting almost 2 weeks already. so that is almost a month now!

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
In XXXX, I talked with my friend XXXX XXXX about taking out a home equity loan on my house to do some repairs. He turned me on to these two guys who work for Sun West Mortgage, XXXX XXXX and XXXX XXXX. They had told me it would be in my best interest to let the company pay my delinquent taxes, which they never did. I have reached out to the company several times all I get is the run around. So I had decided to do an extensive background check on these two guys and came to find out they both had a very extensive criminal record, plus these two guys no longer work for the company, and I find that to be fishy. So the first loan agreement I had received was that they were going to pay the taxes, and two years later, I got another loan agreement saying they were not going to pay the taxes. Something is not right with that. Plus, the title company, XXXX, closed on my loan on XX/XX/XXXX, without a clear title. I am in the state of Texas, and they are in the state of California, and in the state of Texas, you have to have a clear title to close on a loan. It is Texas law, and they did not do that, so they broke the law. Plus, I am a XXXX woman, and this situation has caused me a lot of undue XXXX, which has had me in and out of the XXXX. I feel I have been taken advantage of, and I feel that was not right. Plus, the total I now owe on my taxes is {$35000.00} because of all the late fees I have incurred. So, somewhere along the way, they need to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XX/XX/year>. Asked if the monthly payment can be reduced due to not able to work. I'm receiving VA XXXX, I'm total and permanent XXXX. I sincerely told them I can pay a lower monthly fee. They stated to me that they want the total {$7500.00} balance by XX/XX/XXXX and then I can receive my truck and title back according to customer service rep XXXX at XXXX. I also asked XXXX where's the notice of right to cure. She stated check with title max close to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For many months I have not been able to unfreeze my TransUnion credit report because the passcodes from TransUnion never arrives in my email. I wrote TransUnion letter about this but instead of telling me why this problem is happening, or the solution, they sent me a credit report. I don't need a credit report. I need to be able to obtain my passcode so I can unfreeze my account! 

I have done a search of my entire email system and again attempted to obtain a code at approximately XXXX on Monday XX/XX/year> to no avail. I use the same XXXX email account that I used with this system and it works. 

A search of the internet will show that I am not the only one experiencing this problem.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX refusal to release my phone number XXXX and email XXXX from its XXXX token registry, following the closure of my account ( ending in XXXX, closed XX/XX/2025 ). 

Wells Fargo is blocking my ability to use this phone number with XXXX at another financial institution, citing unspecified allegations of illegal or brand-XXXX activity in violation of the XXXX Transfer XXXX XXXX XXXX Despite this serious claim, they refuse to provide : - Any evidence of wrongdoing, - Any specific transaction or communication in question, - Any regulatory basis for permanently blocking my personal identifier. 

This situation is troubling for the following reasons : My account is closed. I am no longer in a contractual relationship with Wells Fargo. 

My personal phone number is not owned by Wells Fargo. I should be free to use it with another bank and with XXXX. 

They have provided no factual basis for blocking meonly a list of general terms from the XXXX XXXX, without indicating which, if any, apply. 

This blocking action effectively blacklists me from using XXXX anywhere else, without due process or a regulatory finding of wrongdoing. 

I am not aware of any legal action or investigation against me related to my use of Wells Fargo or XXXX. 

I am requesting : That Wells Fargo be required to release my XXXX token XXXX and email XXXX from its registry so I can use it with another financial institution. 

That I be provided with a written explanation and supporting evidence if any allegation is being made that prevents the release. 

That I be allowed to exercise my right to dispute this with XXXX XXXX XXXX XXXX XXXX, who manage the token directory. 

If Wells Fargo has flagged my token with XXXX XXXX XXXX, I request that this record be made available to me for review and correction. 

This issue is restricting my access to essential digital financial services and XXXX constitute unfair treatment, reputational XXXX, and denial of service without cause. 

I request your assistance in resolving this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am formally contesting all unverified, inaccurate, or incomplete information reporting on my consumer credit profile. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data reporting standards, which require maximum possible accuracy and proper documentation. 

Any allegations of delinquency or derogatory status must be supported by factual, verifiable evidence in accordance with federal and state law. I am demanding that you provide physical documentation that validates each disputed account, collection, inquiry, and personal data listed below. If such documentation can not be provided, the items must be permanently deleted from my report. 

You are legally obligated to ensure the accuracy, integrity, and full compliance of all reported data. In accordance with FCRA and Metro 2 formatting guidelines, any unverifiable or incomplete information must be removed without delay. 

I also request that you mail me hard-copy confirmation of the actions taken, along with an updated version of my credit report. 

Personal Information Being Challenged Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX Inquiries Being Challenged XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have provided clear notice of my concerns regarding your handling of this data. The continued reporting of unverifiable or non-compliant items is a direct violation of Metro 2 reporting standards and FCRA law. If these concerns are not fully addressed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for formal investigation. 

Thank you for your prompt attention to this matter.

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 2025-06-16 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:
I am formally contesting all unverified, inaccurate, or incomplete information reporting on my consumer credit profile. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data reporting standards, which require maximum possible accuracy and proper documentation. 

Any allegations of delinquency or derogatory status must be supported by factual, verifiable evidence in accordance with federal and state law. I am demanding that you provide physical documentation that validates each disputed account, collection, inquiry, and personal data listed below. If such documentation can not be provided, the items must be permanently deleted from my report. 

You are legally obligated to ensure the accuracy, integrity, and full compliance of all reported data. In accordance with FCRA and Metro 2 formatting guidelines, any unverifiable or incomplete information must be removed without delay. 

I also request that you mail me hard-copy confirmation of the actions taken, along with an updated version of my credit report. 

Personal Information Being Challenged Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX Inquiries Being Challenged XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have provided clear notice of my concerns regarding your handling of this data. The continued reporting of unverifiable or non-compliant items is a direct violation of Metro 2 reporting standards and FCRA law. If these concerns are not fully addressed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for formal investigation. 

Thank you for your prompt attention to this matter.

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 2025-06-16 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: CA

Complaint narrative:
15 usc. S. 1692c 15 usc. S. 1692g 15 usc. S. 1681 e ( b ) 15 usc. S. 1635g Violated my rights by unlawful communication, accounts are invalid, asked for verification and or 1099 and never received anything justifying the accounts and Im a victim of identity theft. They need to be removed from my credit report before i use all legal remedies available.

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 2025-06-16 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: CA

Complaint narrative:
15 usc. S. 1692c 15 usc. S. 1692g 15 usc. S. 1681 e ( b ) 15 usc. S. 1635g Violated my rights by unlawful communication, accounts are invalid, asked for verification and or 1099 and never received anything justifying the accounts and Im a victim of identity theft. They need to be removed from my credit report before i use all legal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
COMPLAINT For at least the past several weeks representatives from this organization, Ally Bank, have been stonewalling me regarding any information about monthly deductions taken from my brothers XXXX Bank checking account. My brother, XXXX XXXX XXXX XXXX, has XXXX, and I was appointed his legal guardian by Judge XXXX XXXX XXXX in the Court of XXXX XXXX, Ohio. That official Letter of Guardianship was FAXed several times to Ally Bank personnel and emailed once to XXXX, the last Ally Bank person to whom I spoke. I am also a joint owner of the account from which these electronic withdrawals were made by Ally Bank, and they have refuse on numerous occasions to give me any information surrounding those debits to our account. Ally Bank personnel will not provide a direct phone number by which I can call to discuss this situation as all calls must first go to an overseas representative. At that point, a caller must verify themselves and then ask to be transferred to someone in the United States. Some overseas representatives refuse to initiate the transfer or say they are not allowed to do so or they cant do so. None of them will disclose to the caller where they are located or confirm anything about this so-called bank. I spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX during the past several weeks, and only XXXX has acted like he wants to help address the issue, but he still wont ( or is not allowed to ) tell me anything or even return my calls. All they have done is stall, frustrate, and stonewall me. What are they hiding????

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