vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/year> at XXXX XXXX. XXXX received a voicemail from XXXX XXXX XXXX XXXX. He provided a claim number. He said since he wasn't able to reach me by phone he was going to contact my place of business. He said I have the option to contact the office handling my claim first, but if I don't then contacting them will no longer be an option. He provided me with the phone number XXXX. Then said best of luck moving forward in a threatening way. 

XX/XX/year> XXXXXXXX XXXX XXXX XXXX yr old son received a call from XXXX and he answered. My son was informed that they were looking for me and if they couldn't find me they were coming to his residence to find me and file a claim. 

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SON received a voicemail on his cell phone while at school. " This is XXXX XXXX. I'm reaching out regarding a claim being filed through XXXX XXXX. The claim is not against yourself. It's being filed against ( your mother ). Your name and address is listed as a likely location for her.... ( Your mother ) will be located at your residence unless I'm instructed otherwise. '' After XXXX yr old son informed me that he had received the voicemail, I immediately called the XXXX number. No one answered, and no voicemail picked up. So I called XXXX and spoke with someone named XXXX XXXX. He stated his company name was XXXX XXXX XXXX, but would not tell me where they are located. He made me confirm my phone number and provided me with the last XXXX of my XXXX XXXX  to confirm. He should not tell anyone the last XXXX of my social security XXXX  because I was reluctant and refused at first. He then told me the main creditor is Acima Leasing and threatened they were filing a lawsuit against me. I repeatedly asked for information about how to contact XXXX XXXX who called my minor son and XXXX would not provide me with any information and hung up on me. 

I do not wish to speak with these guys again and would like to file a federal suit against them!! Debt collectors can not contact minor children to say they have a claim against me at all ; under the FDCPA!! My XXXX yr old son was terrified for me!! I appreciate any assistance that would help me file suit, and please make it perfectly clear that they are NOT to ever contact me OR my children again. 

Thank you!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-20 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: AL

Complaint narrative:
In XXXX, XXXX and XXXX we fell behind because of health reasons. During these times I reached out in hopes of getting help so that my credit didn't take a hit. After a few conversations it was agreed upon that any and all negative remarks or items would be removed once the account is caught up and current. Once the account was current we expected a positive change but their end of the deal wasn't held up. Even though we haven't been late since XXXX. We also discussed the severity of this situation being that we just had a child and was affected by XXXX as well. Those XXXX being the main reasons for falling behind.Not working because of sickness while still having to support our family. This negative impact has not just hurt our credit but our families everyday life. Help getting this fixed will be greatly appreciated. Deletion of all negative reports as agreed upon will help us get tremendously. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding XXXX XXXX XXXX XXXX in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the XXXX XXXX XXXX XXXX containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Florida Without proof of ownership or a chain of title, XXXX XXXX XXXX XXXX has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 

I am requesting the following : XXXX. Immediate deletion of any credit reporting related to this account. 

XXXX. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into XXXX XXXX XXXX XXXX XXXX practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Alleged Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
My vehicle loan is up-to-date and NOT in default. I keep getting text messages and phone calls indicating my payments are past due and now that my vehicle will be repossessed. I have called repeatedly and keep being told to ignore the communications and that they are system malfunctions, or meant for the wrong customer or have been taken care of. Now I'm receiving messages to make sure there are no personal possessions in my vehicle because it is being repossessed. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: UT

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CFPB Complaint Macys XXXX ( Account Ending XXXX ) Issue Type : Billing dispute / inaccurate credit reporting / improper fees/ account closure under dispute What happened : My Macys XXXX account ( ending XXXX ), issued by Citibank, continues to show late payments, inflated balances, and any applicable penalty interest that may have been assessed as a result of miscalculated minimum payments. My minimum payments have nearly doubled from approximately {$660.00} in XX/XX/year> to over {$2100.00} in XX/XX/year>. 

Despite submitting a certified Pre-Arbitration Claim Notice on XX/XX/year>, and multiple follow-up emails to Citibank, my dispute has not been acknowledged, and the account continues to report inaccurate late payments to credit bureaus while under active dispute. Citibank has not flagged the account as disputed and must not close accounts while they are under active dispute. Any closure during the dispute would be improper under FCRA 623 ( a ) ( 3 ). This also violates FCRA 607 ( b ), which requires furnishers to ensure accurate reporting.

I have not paid the incorrect amounts because the bills themselves are wrong. Reporting the account as delinquent under these circumstances is therefore inaccurate and violates FCRA 607 ( b ). 

Timeline / Supporting Details : XX/XX/year> Certified Pre-Arbitration Claim Notice sent to Citibank requesting an independent accounting review. 
Follow-up emails sent to Citibank to confirm receipt and request corrections.

Account continues to report inaccurate late payments despite active dispute.

Account has not been closed, but any closure during this dispute would be improper under FCRA 623 ( a ) ( 3 ).

Supporting documentation includes certified mail receipt, pre-arbitration notice, proof of delivery, and screenshots of credit reports showing the account is not marked as disputed.

Requested resolution : 1. Conduct an independent accounting review of all payments, fees, balances, and any penalty interest from XX/XX/year> through the last XXXX years, including the period when the account was in good standing, to compare and verify accuracy. 
XXXX. Correct all inaccurate reporting, including late payments, inflated balances, and any applicable penalty interest. 
XXXX. Flag this account as in dispute with all credit reporting agencies. 
XXXX. Ensure no account closure occurs while the account is under dispute. 
XXXX. Suspend any further adverse reporting, late fees, or other negative actions until the review is complete. 
XXXX. Provide written acknowledgment of my pre-arbitration notice and all dispute-related actions taken.

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 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
In XXXX, I entered into a signed agreement with the original creditor, XXXX, stating that once I moved out of the rental property, my outstanding balance would be cleared and I would owe nothing further. I fulfilled my obligations and moved out accordingly. 

Despite this agreement, XXXX, now XXXX sold my debt to XXXX XXXX XXXX XXXX and they are now reporting this debt on my credit reports with an incorrect balance and an inaccurate account opened date of XX/XX/XXXX, which is several years after the agreement. 

I have disputed this matter with all three major credit bureausEquifax, Experian, and TransUnionproviding the details of the agreement and the inaccuracies, but the debt still appears on my credit reports, negatively affecting my ability to secure housing. 

I am requesting that the CFPB investigate this issue and ensure that CYM corrects or removes this debt from my credit reports as it is not valid or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing this complaint against Wells Fargo due to the unfair suspension of my XXXX account following an unfounded complaint from the sender of funds. On XX/XX/XXXX, I received XXXX $ via XXXX from XXXX XXXX XXXX as part of a legitimate peer-to-peer exchange facilitated through XXXX ( confirmations attached ). The transaction was voluntary and agreed upon, as evidenced by XXXX chat logs and XXXX receipts. 
XXXX weeks later, the sender filed a complaint with their bank, leading to the suspension of my XXXX service at Wells Fargo. During my first call to Wells Fargo, I was informed that the suspension was due to a fraud complaint from the sender. However, in a follow-up call, the representative refused to repeat or clarify the reason. I didnt have the opportunity to provide evidence in my defense during the conversation. This restriction violates my access to financial services and appears to be an unfair practice, especially given the CFPBs prior lawsuits against Wells Fargo for inadequate handling of XXXX fraud complaints. 
The suspension, ongoing as of XX/XX/XXXX, prevents me from using XXXX for essential transactions, impacting my financial management of sending and receiving money and using online banking.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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