vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL
activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4

. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Inaccurate reporting on my credit report, no proof of proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: NV

Complaint narrative:
I called JEFFERSON CAPITAL SYST Originally : XXXX XXXX to advise them of a fraudulent account that i saw on my credit report on XX/XX/XXXX. I asked for proof of responsibility and proof of my signature or ID drivers license being provided as proof and the company never replied. The company sold the account to another company and they also have not provided proof. I had a fraud alert on my credit report with my phone number asking to be called if anyone applies with my information as i was a victim of identity theft XX/XX/XXXX. They did not follow the fraud alert and have refused to remove the account and report it as fraud. This account was opened without verifying my identity. This is stopping me from being able to buy a home and affecting my life in a negative way. Its showing i owe {$2200.00} as of XX/XX/XXXX. 
I have disputed with no resolve as this company violated my rights and multiple accounts were open due to negligence and disregarding my fraud alert and identity theft report with both the credit bureaus and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
When I purchased the vehicle, I put {$6000.00} down ( approx. ; I can supply documentation ). Soon after, I was involved in a serious accident that led to the vehicle being impounded, and I was unable to recover or continue using it. I support XXXX children, and the combination of medical, family, and transportation challenges during that period caused severe financial strain. I fell behind, and the account became derogatory. I accept responsibility for the missed payments and am asking for a one-time goodwill consideration so I can rebuild. ( Personal statement ; no source citation needed. ) 4. What Im Requesting I respectfully ask Credit Acceptance to consider one or more of the following goodwill accommodations : 1. Remove or suppress derogatory credit reporting ( late pays/ repossession / charge-off remarks ) associated with this account, or update the tradeline to reflect paid or settled in full in a manner that reduces negative scoring impact ( goodwill basis ).

2. Offer a reasonable settlement or balance resolution so the account can be closed in good standing.

3. Documented confirmation letter after any adjustment so I can provide proof to the credit bureaus if needed.

4. Discuss future financing eligibility with Credit Acceptance once this historic account is resolvedIm prepared to return as a customer when Im back on my feet. Credit Acceptance services my account and accepts payments directly, so Id appreciate guidance on the best next steps.

5. Supporting Documentation I Can Provide ( upon request ) Copy of the Retail Installment Contract showing assignment to Credit Acceptance and vehicle details.

Proof of down payment ( receipt / cashiers check / bank statement ).

Accident report and impound paperwork supporting the hardship.

Proof of household dependents ( tax return summary or other documentation ).

Current ID + utility bill / lease for address update ( per contract duty to notify ).

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 2025-07-17 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-17 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding serious regulatory compliance failures by [ Insert Bank Name ], specifically involving XXXX ( Anti-Money Laundering ), KYC ( Know Your Customer ), and BSA ( Bank Secrecy Act ) obligations, not simply a transactional issue. 

In late 2024, multiple wire transfers were processed from my account to LLCs that were legally dissolved at the time of the transactions, which should have been flagged or blocked under required compliance review protocols. 

The bank failed to exercise reasonable due diligence and risk assessment in violation of the following federal laws and regulatory guidance : XXXX XXXX XXXX XXXX Program Requirements for Banks XXXX XXXX XXXX FinCENs Customer Due Diligence ( CDD ) Rule XXXX XXXX. XXXX ( i ) XXXX XXXX XXXX, Title XXXX ( enhanced due diligence for high-risk accounts ) XXXX XXXX. XXXX Bank Secrecy Act XXXX XXXX XXXX Customer Due Diligence Guidance FDIC XXXX Customer Identification Program ( CIP ) expectations Dodd-Frank Act, Section XXXX ( a ) ( XXXX ) ( B ) Prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) Despite regulatory obligations to monitor high-risk activity, Wells Fargo Bank processed these wires even though : The recipient LLCs were legally dissolved, according to Secretary of State records Some entities were part of a fraudulent network of shell companies The bank has offered no evidence of real-time due diligence or internal compliance review prior to disbursement This is not a complaint about customer error or fraud it is about bank failure to follow XXXX law. A complete complaint package is attached, including : XXXX letter submitted to XXXX XXXX XXXX Appendix A with cited federal regulations Wire transfer summary List of shell and dissolved LLCs I respectfully request this be escalated as a regulatory compliance failure, not a standard consumer issue, and referred to appropriate oversight authorities ( XXXX, XXXX, FDIC ) for joint review. CFPB has an affirmative obligation to investigate XXXX violations under XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On or around XX/XX/XXXX year 2022 I received a email from Wells Fargo saying that my account was being closed. Due to the fact ACH transfers that I was being paid by a friend. The account was closed with XXXX to XXXX in it. The losses prevention department was the last on the case they claim the issuing Bank that's taking the money back which I had since then been in contact with that bank Which? 
Denies wills fargo claim About requesting Money back or the claim of fraud. On XXXX XXXX2022 I spoken with XXXX from the executive office about the matter which I was deny and I was told that the money was being returned to the issuing Bank. The issuing Bank never received the money because it was a lied from the start. I decided to call and see about the account now Wells Fargo has it to where the account never exists. I will provide pictures of the debit card and account number. The only thing showing is a brokerage account that I have no knowledge about

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am described in many different ways. I have never used a different name so some of this could easily be fraudulent and has caused my name to be reported in different ways.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The inquiry listed below was made fraudulently and is the result of identity theft. I have submitted the required documentation, including my FTC Identity Theft Report and supporting identification, to both the credit reporting agencies and the entity that initiated the inquiry.To date, I have not received any documentation such as a signed credit application or authorization proving that I initiated or consented to this inquiry. The continued reporting of this unauthorized inquiry, without verification or removal, is a violation of the Fair Credit Reporting Act ( FCRA ). 
By FCRA Section 605B, I am requesting the immediate removal of this fraudulent inquiry from my credit report. 
XXXX XXXX XX/XX/year>

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing a complaint regarding ongoing collection efforts by Midland Credit Management ( MCM ) for an alleged Citibank credit card debt. The documentation and correspondence I have received from MCM contain conflicting and inconsistent information, which does not match any record on my credit reports.

After receiving a notice from MCM, I obtained my full credit reports from XXXX XXXX XXXX XXXX. Heres what I found : TransUnion removed the account entirely after I disputed the inconsistencies of three bureaus having different status dates.

Experian updated the dispute to match Equifax report, but those still do not match what MCM is reporting to me directly. 
The original creditor account ( XXXX ) is listed as Paid, Closed/Never Late, with a closure in XX/XX/XXXX. 
MCM claims a charge-off date of XX/XX/XXXX, and conflicting account opened dates. 

These discrepancies are highly confusing and raise concerns about the accuracy and legitimacy of the debt. Based on the account history provided, I am not confident this debt belongs to me, or that it has been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) under an Income Share Agreement ( ISA ), which specified that I would only repay a portion of my income if I met certain earnings thresholds after graduation. I withdrew from the program and did not complete my coursework. At no point did I agree to or sign for a traditional student loan. 

On XX/XX/XXXX, I discovered that a private student loan had been originated in my name without my knowledge or consent, allegedly through XXXX XXXX, XXXX on behalf of XXXX. I did not receive any disclosures, sign a promissory note, or authorize this loan in any form. I never agreed to convert my ISA into a private loan, nor was I informed that this would happen. This appears to be a deceptive and unauthorized lending practice. 

I also want to note that in XXXX, the Consumer Financial Protection Bureau issued an enforcement action against XXXX for misrepresenting its financing products and for placing students into loans that they did not agree to or fully understand. My experience mirrors the exact issues outlined in that action. Despite the CFPBs previous ruling, XXXX appears to be continuing these practices. 

I am currently disputing this debt with the credit bureaus and have contacted both XXXX and XXXX XXXX with no resolution. I am requesting a full investigation, removal of the loan, and for enforcement to ensure this behavior is stopped permanently. 

Attached is the letter i sent on XX/XX/XXXX to 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
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) under an Income Share Agreement ( ISA ), which specified that I would only repay a portion of my income if I met certain earnings thresholds after graduation. I withdrew from the program and did not complete my coursework. At no point did I agree to or sign for a traditional student loan. 

On XX/XX/XXXX, I discovered that a private student loan had been originated in my name without my knowledge or consent, allegedly through XXXX XXXX, XXXX on behalf of XXXX. I did not receive any disclosures, sign a promissory note, or authorize this loan in any form. I never agreed to convert my ISA into a private loan, nor was I informed that this would happen. This appears to be a deceptive and unauthorized lending practice. 

I also want to note that in XXXX, the Consumer Financial Protection Bureau issued an enforcement action against XXXX for misrepresenting its financing products and for placing students into loans that they did not agree to or fully understand. My experience mirrors the exact issues outlined in that action. Despite the CFPBs previous ruling, XXXX appears to be continuing these practices. 

I am currently disputing this debt with the credit bureaus and have contacted both XXXX and XXXX XXXX with no resolution. I am requesting a full investigation, removal of the loan, and for enforcement to ensure this behavior is stopped permanently. 

Attached is the letter i sent on XX/XX/XXXX to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) under an Income Share Agreement ( ISA ), which specified that I would only repay a portion of my income if I met certain earnings thresholds after graduation. I withdrew from the program and did not complete my coursework. At no point did I agree to or sign for a traditional student loan. 

On XX/XX/XXXX, I discovered that a private student loan had been originated in my name without my knowledge or consent, allegedly through XXXX XXXX, XXXX on behalf of XXXX. I did not receive any disclosures, sign a promissory note, or authorize this loan in any form. I never agreed to convert my ISA into a private loan, nor was I informed that this would happen. This appears to be a deceptive and unauthorized lending practice. 

I also want to note that in XXXX, the Consumer Financial Protection Bureau issued an enforcement action against XXXX for misrepresenting its financing products and for placing students into loans that they did not agree to or fully understand. My experience mirrors the exact issues outlined in that action. Despite the CFPBs previous ruling, XXXX appears to be continuing these practices. 

I am currently disputing this debt with the credit bureaus and have contacted both XXXX and XXXX XXXX with no resolution. I am requesting a full investigation, removal of the loan, and for enforcement to ensure this behavior is stopped permanently. 

Attached is the letter i sent on XX/XX/XXXX to 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
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: KY

Complaint narrative:
I am requesting validation of the {$1700.00} balance which exceeds the original amount of {$1000.00}. Please provide a breakdown and legal justification under the FCRA ( 15 U.S.C. 1681i ) and the FDCPA ( 15 U.S.C. 1692g ).

If the charge-off can not be verified or exceeds allowable limits under applicable UCC and state usury laws, I request its removal. 

Regards, 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