vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
I went through XXXX XXXX XXXX in XX/XX/. I had a XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and another card. When I talk to them, they quoted me {$400.00} a month to pay off these cards with no interest and make a deal with them. When I signed up, they did not tell me they were gon na pay one card off at a time. That dropped my credit scored so bad which I kinda knew it would happen. But this last 10 months Ive been awful. XXXX XXXX  got a lawyer and summoned me. I finally had enough two months ago, and canceled XXXX XXXX XXXX I got with the lawyer with and XXXX XXXX to make monthly payments. The lawyer with XXXX XXXX  they are only giving me six months with paying {$150.00} a month with my wages, and then they will recalculate a new amount. I just need some help. Ive tried to get personal loans and credit cards. My credit score sucks, its XXXX right now. I cant do anything. I just need some help. Can you please please help me. I do not want anybody to go through what Ive went through with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late 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 XXXX  and 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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, an unauthorized debit-card transaction to XXXX XXXX XXXX XXXX my Wells Fargo account XXXX 

I reported the transaction the same day, and Wells Fargo opened a XXXX XXXXlaim. The claim was later denied, even though I never authorized or benefited from the transfer and did not share my card, PIN, or account access with anyone. 

To verify the transaction, I contacted XXXX XXXX XXXX Department and provided my debit-card number, phone number, name, and email. XXXX XXXX confirmed that they could not locate any transaction, transfer, or account under my name or associated with my card information. This shows the debit was not actually processed or authorized by me. 

On XX/XX/year>, I called Wells Fargo to request a reinvestigation under XXXX  XXXX ( Electronic Fund Transfer Act ) and asked to speak directly with the XXXX XXXX Department. The representative told me the claim file is locked and that I could not be transferred or escalated. 

I have since mailed a written XXXX  XXXX reinvestigation request to XXXX XXXX XXXX XXXX address in XXXX, OR. 

I am requesting that the CFPB ensure Wells Fargo : Reopens and reinvestigates my denied fraud claim ; XXXX XXXX XXXX to verify their findings that no transaction exists under my information ; Provides all documentation and evidence used in their original decision ; and Reimburses the disputed funds in accordance with XXXXn XXXX protections.

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 2025-10-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-21 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: PA

Complaint narrative:
I am writing pursuant to XXXX XXXX. XXXX and XXXX XXXX. XXXX, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX  report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report.

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 2025-10-21 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: PA

Complaint narrative:
I am writing pursuant to XXXX XXXX. XXXX and XXXX XXXX. XXXX, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a XXXX report. Please investigate and remove from my credit report.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: VA

Complaint narrative:
I am writing to formally request validation of the alleged debt you have claimed I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which provides me the right to request verification and detailed information regarding this debt before I take any further action. 

Please provide the following information in writing : The name of the original creditor, including account number ( XXXX ). 

The amount of the alleged debt, including a detailed breakdown of fees, interest, or charges added. 

A copy of any signed agreement or contract showing that I am legally obligated to pay. 

The date and method by which this alleged debt was acquired or transferred to your agency. 

Proof that your agency is authorized to collect in my state ( Virginia ). 

The date of last payment or activity on this account. 

Until I receive the requested documentation, I request that you cease all collection activity, including phone calls, letters, or reporting to credit bureaus. 

Please note that under the FDCPA, continued attempts to collect a debt without providing verification constitute a violation of federal law, and I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ), Virginia Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I expect your full compliance and response within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report maintained by various financial institutions and reporting agencies. These inaccuracies are negatively impacting my credit profile and financial standing. Despite my attempts to resolve these issues directly with the respective creditors, they remain uncorrected. 

The specific discrepancies are as follows : Incorrect Address XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, CO, XXXX reported inaccurately on my account records. 

Late Payments Reported Inaccurately COMENITYCB/ULT XXXX Open Date : XX/XX/XXXX ; High Balance : {$490.00} KIKOFF LENDING LLC XXXX Open Date : XX/XX/XXXX ; High Balance : {$420.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX ; High Balance : {$1400.00} CANVAS CREDIT UNION XXXX XXXX XXXX XXXX XX/XX/XXXX ; High Balance : {$22000.00} Unauthorized or Incorrect Credit Inquiries CSAUTOHND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies are a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting false late payments and inquiries is causing undue harm to my XXXX XXXX and affecting my ability to access fair financial opportunities. 

I request the CFPB to : Investigate these discrepancies with the respective creditors and credit reporting agencies. 

Ensure that all inaccurate and unverifiable information is promptly corrected or removed from my credit report. 

Provide me with written confirmation once these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: 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 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
Consumer complaint received 2025-10-21 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: 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 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
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: VA

Complaint narrative:
I am writing to formally request validation of the alleged debt you have claimed I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which provides me the right to request verification and detailed information regarding this debt before I take any further action. 

Please provide the following information in writing : The name of the original creditor, including account number ( XXXX ). 

The amount of the alleged debt, including a detailed breakdown of fees, interest, or charges added. 

A copy of any signed agreement or contract showing that I am legally obligated to pay. 

The date and method by which this alleged debt was acquired or transferred to your agency. 

Proof that your agency is authorized to collect in my state ( Virginia ). 

The date of last payment or activity on this account. 

Until I receive the requested documentation, I request that you cease all collection activity, including phone calls, letters, or reporting to credit bureaus. 

Please note that under the FDCPA, continued attempts to collect a debt without providing verification constitute a violation of federal law, and I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ), Virginia Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I expect your full compliance and response within XXXX days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have had loans from the XXXX XXXX since 2008. I only attended from XXXX. I borrowed {$44000.00}. I have alreay paid off {$34000.00}. I still owe {$68000.00}. These are figures after the cancelation of the XXXX XXXX that was dismissed due to school misconduct. XXXX this XXXX is still collecting private loans. XXXX recently started a program for loan dismissal due to school misconduct. I applied, and turned in the appropriate forms, and evidence, and was returned a denial notice stating that I proved the schools misconduct, but I still need to provide evidence that it cause a financial hardship. It seems as though Navient wants to add extra hoops to jump thru even though I have an official notice from them stating my proving of school misconduct from the XXXX XXXX. My evidence is not just the official notice from the department of education. I was also able to find snippits from the XXXX XXXX that had misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
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 XXXX incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX MT - XX/XX/XXXX XXXX MT - XX/XX/XXXX XXXX MT - XX/XX/XXXX 2024

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC
State: FL

Complaint narrative:
Subject : Unauthorized Credit Inquiry by Gravity Lending I am filing a complaint against Gravity Lending for conducting a hard credit inquiry without my clear authorization. 

I visited their website and completed an online form that listed the Social Security XXXX field as optional. I did not provide my SSN, nor did I expect a credit pull. However, a hard inquiry appeared on my credit report shortly afterward. 

The sites fine print stated that by clicking XXXX, I granted permission for Gravity Lending and/or its lenders to obtain a credit report. This disclosure was not clear or prominently displayed, and I believe it constitutes a misleading and deceptive practice under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act. 

I request that this inquiry be investigated and removed from my credit report, and that appropriate action be taken to prevent similar misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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