vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I started a new Wells Fargo account. I initially tried to online but they couldnt verify my identity. 

I used a promo code to get {$320.00}. I went and told the banker what I needed and gave him a code. Wells Fargo said they couldnt approve me for one account but could for another. The banker said I still would get my promo once I meet promo requirements. I want to confirm that this is true.

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 2025-09-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am writing regarding your attempts to collect on an alleged debt that I dispute. Let me be very clear : I do not consent to any further communication from your company about this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer provides written notice to stop communication, you are legally obligated to comply. Despite this, you have continued collection activity that has caused unnecessary stress and harm to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-30 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/year>, I contacted XXXX XXXX after seeing a vehicle listed through XXXX XXXX XXXX XXXX. I informed the salesperson that I already had a pre-approval through XXXX XXXX and provided my XXXX XXXX reference number. The salesperson confirmed by phone and text message that they would use my XXXX XXXX reference only and would not run my credit separately. 

Later that same day, XXXX XXXX submitted multiple unauthorized credit applications through several different lenders, resulting in at least XXXX hard credit inquiries across multiple credit bureaus. I did not consent or authorize these credit pulls. 

After discovering the inquiries, I contacted the dealership and attempted to reach their finance department multiple times without success. I also notified the lenders that the applications were unauthorized. 

Because of these actions, my credit report now shows multiple unauthorized inquiries, which have negatively impacted my credit score and my ability to finalize financing through another dealership using my XXXX XXXX approval. 

I am requesting that the CFPB assist in having the unauthorized inquiries removed from all credit bureaus and that XXXX XXXX be held accountable for running my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Subject : SECOND ATTEMPT FOR DELETION XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTIONS SERVICES ACCOUNT XXXX To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint against XXXX XXXX XXXX XXXX regarding account XXXX reported by Credit Collections Services, which remains inaccurate on my credit files despite prior disputes. This is my second attempt for deletion, and the bureaus have failed to conduct proper reinvestigations or correct/delete the information.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ), each credit bureau is legally required to : Conduct a reasonable reinvestigation of all disputed information.

Correct or delete any information that is inaccurate, incomplete, or unverifiable.

Ensure that reporting complies with Metro 2 standards, including : I = Information Disputed by Consumer U = Unable to Verify E = Error The bureaus have failed to meet these obligations, leaving inaccurate and unverifiable information on my credit files. This failure harms my consumer rights and financial standing. 

Requested Resolution : I demand immediate deletion of all inaccurate or unverifiable information related to Credit Collections Services account 135380 from all three credit reports, along with written confirmation of the corrections made.

Please note that if the bureaus do not comply, I am prepared to pursue all remedies available under 15 U.S.C. 1681n, including : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

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 2025-09-30 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: TX

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 2025-09-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and potentially unlawful credit reporting by multiple furnishers. Specifically, this complaint concerns the reaging of debt and ongoing reporting of late payments on accounts that have been charged off or closed, causing significant and unfair harm to my credit profile. 
XXXX. Toyota Financial Services This account was charged off in XX/XX/XXXX. 
Since then, it has been reporting new late payments each month from XX/XX/XXXX through the present. 
Once an account is charged off, no new billing cycle should be occurring, and no new delinquencies should be reported. 
This appears to be a case of reaging, as the account is being made to look as though it is newly delinquent each month, which is misleading and harmful. 
XXXX. XXXX This account was closed on XX/XX/XXXX. 
Despite closure, it is reporting XXXX late payments every month since that date through to the present. 
As no new payments should be due after an account is closed, this repeated reporting of severe delinquency each month is inaccurate and possibly a case of improper reaging. 
XXXX. XXXX This account was closed on XX/XX/XXXX, and reported as a charge-off. 
Like the other XXXX accounts, it is showing monthly late payments post-closure/charge-off, which is inconsistent with proper credit reporting standards. 
This too appears to be reaging, creating the false impression that I am repeatedly falling behind on an account that is no longer active. 
Action Taken I have already disputed this information with the credit reporting agencies, requesting : Proof that there were active billing cycles and due dates each month after the account closures or charge-offs. 
Verification that I genuinely became XXXX days delinquent each month, as reported. 
To date, I have not received any evidence supporting the ongoing delinquency reporting, and the credit reports remain unchanged. 
Why This Is Harmful This kind of inaccurate reporting is not only damaging to my credit score, but it also falsely portrays me as continuously delinquent on accounts that should be static. The continued reporting of fresh late payments after a charge-off or closure is : Highly misleading to creditors and potential lenders ; A potential violation of the Fair Credit Reporting Act ; A form of unfair reaging, which may be illegal under both federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MA

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 2025-09-30 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: MA

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing an alleged account that Portfolio Recovery Associates ( PRA ) is reporting and attempting to collect. PRA claims to have purchased this account from the original creditor, but has failed to provide legal validation.

In 2025, I sent formal debt validation requests under FDCPA 809 ( b ), asking for : The original signed credit agreement from the original creditor.

A full account history showing all charges, payments, interest, and fees.

Documentation of the complete chain of title/assignment from the original creditor to PRA.

Proof that PRA has the legal right to collect and report this account.

PRA failed to provide this information. Instead, they responded with only generic balance statements and internal letters, which do not constitute legal validation.

Despite not validating, PRA continues to report the alleged debt to XXXX and other credit bureaus. This constitutes : A violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which requires cessation of collection activity until validation is provided.

A violation of the Fair Credit Reporting Act ( FCRA ) 611 / 1681i, as unverifiable information must be deleted from consumer credit files. 

The continued reporting and attempts to collect without validation are unlawful, misleading, and damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AZ

Complaint narrative:
I financed a XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX at XXXX XXXX. At the time of purchase, I also purchased XXXX insurance coverage, documented in my XXXX XXXX XXXX. I maintained valid auto insurance through XXXX XXXX. 

On XX/XX/XXXX, I was involved in a collision at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Police Department completed a crash report ( # XXXX ). The vehicle was declared a total loss. I was not at fault, and I complied with all requirements by carrying both auto insurance and GAP coverage. 

Despite this, XXXX XXXX reported a charge-off balance of {$7200.00} as bad debt / profit and loss write-off on my credit report. This is inaccurate. The balance should have been satisfied by the combination of insurance proceeds and XXXX coverage. 

By continuing to report this deficiency balance, XXXX XXXX is misrepresenting the status of my account and damaging my credit profile. This account should reflect a {$0.00} balance and be closed, since the vehicle was totaled and covered. 

I am requesting a full investigation and immediate correction of my credit report. Supporting documentation is attached, including my XXXX contract, insurance records, and the official police crash report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I demand an exigent reinvestigation of all disputed items in my credit report. You must validate each entry with original documentation and eliminate any that can not be verified. Failure to comply within the statutory timeframe will be considered a deliberate violation of federal law, prompting immediate legal action, regulatory referrals, and claims for damages.

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 2025-09-30 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
The website and their mobile portal stopped reporting payments and/or dont provide statements. Their portal claims the loan is closed ( its not ) but wont provide ANY statements of payment via email or through their website. 

The company reps refuse to send me the statement or correct the error on their website and when asked for a supervisor - denied several times in XXXX day claiming not available. XXXX rep promised to email the statement by the end of the day to have the next rep state that wont happen. The last rep again refused to let me speak to a supervisor ( claiming they were in a meeting ). Though repeated promises to get a call back I get none. 

They are also claiming my remaining balance is HIGHER than the original loan amount. I HAVE NOT RECEIVED ON STATEMENT SINCE THIS LOAN STARTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation