vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Good day. I can not emphasize enough how distressing and overwhelming this situation has been for me. I woke up one day to find a collection account on my record for a debt I do not recognize, do not owe, and have never authorized. This unverified account has led to repeated and harassing contact through multiple channels, including threats of legal action that no consumer should ever be subjected to without basis. As a law-abiding individual, it is unacceptable to see my rights violated in such a blatant manner. The stress from this issue has taken a serious toll on my mental health and has caused several nights of lost sleep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe these entries are inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). Please investigate and correct the following discrepancies with each respective bureau. 

XXXX. Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$5100.00} XXXX, XXXX, XX/XX/XXXX, {$4700.00} XXXX, XXXX, XX/XX/XXXX, {$4100.00} XXXX XXXX XXXX, XX/XX/XXXX, {$8400.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$9800.00} XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX, XXXX, XX/XX/XXXX, {$17000.00} XXXX, XXXX, XX/XX/XXXX, {$23000.00} XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX, XXXX, XX/XX/XXXX, {$0.00XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX. Late Payments : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX I was taken and XXXX. All of my identification was also taken and used to opened accounts without my knowledge. Ive submitted disputes and they are stating the information is verified which in fact it is NOT. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681C-2 ) and the XXXX  Victims Protection Act I have the right to have all fraudulent information resulting from my XXXX experience blocked or removed from my credit file.

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 2025-11-13 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: TN

Complaint narrative:
XXXX I was taken and XXXX. All of my identification was also taken and used to opened accounts without my knowledge. Ive submitted disputes and they are stating the information is verified which in fact it is NOT. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681C-2 ) and the XXXX  Victims Protection Act I have the right to have all fraudulent information resulting from my XXXX experience blocked or removed from my credit file.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OLD NATIONAL BANCORP
State: CA

Complaint narrative:
I opened the new checking account with promotion in the branch of XXXX, MN on XXXX XXXX ( Wed ), XXXX. Before opening the account, I repeatedly made sure with the banker, XXXX XXXX, that I am eligible for the new account and promotion. She has confidently no problem with that. Then my account was instantly approved with XXXX  credit pulled as well as successfully funded by cash {$50.00}. However, the next day ( XX/XX/XXXX, Thursday ) I received the call from the banker that my account needs to be closed due to out-of-state address. 

Since the banker negligently opens the account without following proper procedures, the bank is legally responsible for fixing the error and any resulting financial damage. I have tried to reach out the branch manager. XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX to see if the branch can contact XXXX to remove the inquiry pull but no response.

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 2025-11-13 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:
This is a follow-up complaint regarding Transunion continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of the following accounts listed on my Experian credit report. These accounts contain discrepancies, and I request that they be reviewed and corrected accordingly. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}

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 2025-11-13 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 6

05B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$30000.00} Unauthorized Inquiries to Be Deleted : Inquiries : XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
I am submitting this letter to dispute the following items listed on my TransUnion credit report. After reviewing the information, I believe these accounts and inquiries are reported incorrectly and request an investigation. 

Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
This complaint is about TransUnions reinsertion and inaccurate reporting of an XXXX XXXX XXXX credit card tradeline. 

The account appears as XXXX XXXX XXXX # XXXX. TransUnion previously deleted this tradeline after a dispute. On or about XX/XX/year>, TransUnion sent me Your Investigation Results REINSERTED, File Number XXXX, stating that the previously deleted item was verified and added back to my credit report. The notice does not explain how the account was verified or provide the reinsertion details required by the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), or a proper method-of-verification explanation under 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ). The reinserted tradeline is also inaccurate and misleading in violation of 15 U.S.C.
1681e ( b ). TransUnion reports a pay status of charged off with a full past-due balance of {$9700.00} and the remark PAYING PARTIAL PMT AGMT ; UNPAID BALANCE CHARGED OFF, even though I have no partial payment agreement with XXXX. TransUnion also shows an estimated removal date of XXXX/XXXX, which does not match the actual date of first delinquency and suggests improper re-aging contrary to the 7-year limit in 15 U.S.C. 1681c. 

I have requested that TransUnion show how this tradeline was verified and reinserted and correct the inaccurate coding, but I have only received a generic form letter saying the account was verified with no supporting documentation or corrections. As a result, my credit report and scores are being unfairly damaged by a reinserted, inaccurately reported charge-off.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I deposited a check by mobile into my Wells Fargo XXXX Checking account. The app showed that the funds would be available on XX/XX/year>. 

Later I discovered that Wells Fargo had placed and extended a hold so the funds would not be available until XX/XX/year>, because the check was not endorsed on the back. I accept that not endorsing the check was my mistake. 

My complaint is about how the hold was handled and communicated. I never received any written hold notice ( email, letter, or clear in-app message ) telling me that the hold was extended, the reason for the extension, or the new availability date. I only found out by checking the app and calling customer service. 

I relied on the original XX/XX/XXXX availability date to plan my payments and to transfer the money to my business account. I needed these funds to pay business expenses and other obligations in different accounts, not just in this Wells Fargo account. Because of the unexpected extension and lack of notice, I have faced financial hardship and the risk of late fees on other accounts. 

When I called for help and spoke with a representative named XXXX, who said she was next level support in the Prevention and Contact Center, she repeatedly told me there was no way to release the funds earlier and that there were no hardship exceptions or partial releases. 

I am concerned that Wells Fargo did not follow Regulation CC notice requirements for deposit holds.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: AR

Complaint narrative:
Subject : MULTIPLE VIOLATIONS : Invalid Notice, Missing Accounting, and Inaccurate Credit Reporting ( FCRA ) I am filing a formal complaint against the company ( Westlake Financial ) regarding a repossessed vehicle loan. The company is attempting to collect a deficiency balance without following legally mandated procedures under the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ).

1. Critical UCC Violation : Invalid Notice of Intent ( NOI ) The company failed to provide legally required " reasonable notification '' of the vehicle 's disposition. 

The vehicle was repossessed around late XX/XX/year>. 

I formally provided my current mailing address in a written demand dated XX/XX/year>. 

Despite having the correct information, the company sent the critical Notice of Intent ( NOI ) to an old, known incorrect address on XX/XX/year>. 

Result : This failure to provide proper notice is a fundamental legal flaw that may legally extinguish the company 's right to collect the entire deficiency balance.

2. UCC Violation : Failure to Provide Post-Disposition Accounting The company is legally required under UCC 9-616 to provide an itemized, written accounting of the sale ( Auction Sheet, expenses, and calculation ). 

I have repeatedly demanded this specific legal document. 

The company has refused, providing only a generic Payment History ledger on XX/XX/year>, which contains none of the required sale information. They are collecting an unsubstantiated debt.

3. FCRA Violation : Inaccurate Credit Reporting The company is reporting inconsistent debt figures to credit bureaus, violating the FCRA.

The balance reported on my credit file is approximately {$15000.00}. 

This conflicts with the company 's internal online balance ( {$12000.00} ) and the settlement basis they provided ( {$12000.00} ).

Action : This thousands-of-dollars discrepancy constitutes inaccurate reporting that must be corrected. 

4. DMV Liability Issue : Failure to Transfer Title The company has failed to finalize the title transfer following the auction in XX/XX/year>. The vehicle remains in my name, exposing me to ongoing liability ( tolls, tickets, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System continues to report and attempt to collect on a debt they have not validated, violating FDCPA 809 ( b ). Their response did not include proof of assignment, contract, or itemized statement. They are reporting unverifiable 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation