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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
This is a formal demand for immediate BLOCK AND DELETE of the CREDIT ACCEPTANCE account ( Acct # XXXX ) under FCRA 15 USC 1681c-2.

You are reporting a repossession/derogatory tradeline that is inaccurate, unverified, and legally noncompliant. At no point have you provided any admissible proof of contract, original wet-ink signature, full accounting, or lawful notice of default and sale as required under UCC 9 and FDCPA 809.

No validation = no continued reporting. Your failure to produce documented ownership or chain of title makes this a willful violation of FCRA 1681s-2 and FDCPA 807 ( 2 ) ( A ) & ( 10 ).

Continued reporting of an unvalidated repossession is defamation of character and reckless negligence.

You are ordered to immediately CEASE reporting, BLOCK this tradeline from all bureaus, and DELETE it entirely not update, not mark disputed REMOVE IT.

If you refuse to comply, I will escalate with litigation for damages, file complaints with the CFPB, FTC, State Attorney General, and seek injunctive relief. You are now on legal notice. There will be no further warning.

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: 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: IN

Complaint narrative:
This is a formal demand for immediate BLOCK AND DELETE of the CREDIT ACCEPTANCE account ( Acct # XXXX ) under FCRA 15 USC 1681c-2.

You are reporting a repossession/derogatory tradeline that is inaccurate, unverified, and legally noncompliant. At no point have you provided any admissible proof of contract, original wet-ink signature, full accounting, or lawful notice of default and sale as required under UCC 9 and FDCPA 809.

No validation = no continued reporting. Your failure to produce documented ownership or chain of title makes this a willful violation of FCRA 1681s-2 and FDCPA 807 ( 2 ) ( A ) & ( 10 ). 

Continued reporting of an unvalidated repossession is defamation of character and reckless negligence. 

You are ordered to immediately CEASE reporting, BLOCK this tradeline from all bureaus, and DELETE it entirely not update, not mark disputed REMOVE IT. 

If you refuse to comply, I will escalate with litigation for damages, file complaints with the CFPB, FTC, State Attorney General, and seek injunctive relief. You are now on legal notice. There will be no further warning.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
According to 15 USC 1681. I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated

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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received a fake text message that appeared to be from Wells Fargos fraud department, asking if I had authorized certain transactions. After replying No, I received a phone call from someone claiming to be a Wells Fargo representative. The caller knew my full name, recent transactions, and account activity, which made the call seem legitimate.

The caller stated that my account had been compromised and instructed me to change my password, move money from my savings to checking, and send the funds to XXXX XXXX for protection under FDIC. I later discovered that my password, transfer, and card-limit changes had already been made without my authorization. 

Hours later, all of my funds were gone. I immediately reported the fraud to Wells Fargo and filed a police report ( Report # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Wells Fargo later closed my claim, stating that since the funds were transferred to XXXX XXXX, they could not help. However, this fraud originated from messages that appeared to come directly from Wells Fargo and used accurate personal information, suggesting a potential data breach or failure to protect my account. 

I believe Wells Fargo neglected to secure my information, failed to detect obvious fraudulent activity, and refused to assist in recovering my stolen funds. This incident has caused severe financial and emotional 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 2025-10-20 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: GA

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - EX 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 XXXXXX/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 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: EQUIFAX, INC.
State: TX

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 XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, my mortgage was transferred from Wells Fargo to XXXX XXXX. I made the XXXX payment to Wells Fargo as requested. That amount was credited. 

My account is now with XXXX XXXX BUT Wells Fargo reported my account to the three credit reporting agencies as ACCOUNT CLOSED. Their website shows that the account was TRANSFERRED and not CLOSED. 

As the result of their action, my credit rating has plummeted by XXXX points. My account has always been in good standing with no late payments. The connotation to potential creditors by their inaccurate reporting makes me appear to be a credit risk. 

I called today, XX/XX/XXXX, and spoke to a representative, who finally said she would put in a " work order '' and then disconnected me without any chance for me to ask for a time frame to resolve this issue with the credit bureaus. 

I called back again on XX/XX/XXXX and spoke to another agent who told me it was not their problem and that if I wanted any resolution to dispute this with Wells Fargo in writing or with all three credit bureaus and it could take a month or more. 

This account in good standing should never have been reported to the three credit bureaus as ACCT CLOSED, which has caused my credit to take a major hit through no fault of mine. I want Wells Fargo to update my credit file with the correct notation : ACCOUNT TRANSFERRED so that my credit rating will be restored.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
a car loan was opened on XX/XX/year> without my knowledge or consent. i obtain a police report. i never signed anything for a loan

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have formally dispute and demand resolution of charges on my Barclays account related to a purchase I made through XXXX on XX/XX/XXXX for airline tickets scheduled for travel on XX/XX/XXXX and XX/XX/XXXX, XXXX the time of booking, I opted into the travel insurance coverage offered by XXXX. However, when my transaction was processed, the insurance coverage I selected was not applied to the booking even though I was billed for it. I was not informed of any error until I contacted XXXX to make necessary adjustments to my return flight while on the trip. I received a conformation for my trip XX/XX/XXXX As a result, when my daughter became unwell and was unable to board the scheduled return flight, I was forced to purchase an additional flight on XXXX to bring her home when the time came as opposed to being able to switch both flights. Had the insurance I selected at checkout been properly applied, these costs and adjustments would have been covered under the policy. Furthermore, cancelling the initial purchase was not an option, because the refund process would not allow the funds to be available to me immediately. XXXXXXXX XXXX failure to apply the insurance deprived me of both the coverage I selected and the ability to make an informed decision about continuing with the transaction. In addition, I was improperly pressured and coerced into opening a new Barclays credit card in connection with this purchase. This coercion constitutes a violation of the Truth in Lending Act ( TILA ) and the Consumer Financial Protection Act ( XXXX ), as it represents an unfair, deceptive, and abusive practice designed to manipulate my decision-making. Such conduct further invalidates the charges in question and reinforces the need for immediate corrective action. This transaction constitutes a clear violation of federal consumer protection laws and a breach of contract, as detailed below. On XX/XX/XXXX, at XXXX, I called XXXX XXXX instructed by XXXX bank XXXX I was informed by a supervisor that the insurance that I opted into was not applied because the bank failed to authorize the payment for the insurance. I was also told that the protection purchase failed due to either a transaction issue or a system error. However, I was billed for the insurance and the money was refunded to my account without my authorization, cancellation, notification. I was coerced into opening a credit card with XXXX with the expectation that I was purchasing a trip with insurance. I did not receive what was offered. I did not enter any card information because I opted into opening a line of credit.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
DEMAND FOR IMMEDIATE ACTION You are ordered to : Remove and permanently delete the unauthorized fraud alert from my Equifax consumer file within 24 hours of receipt of this notice.

Provide written confirmation ( email and certified mail ) that the fraud alert has been removed and that no notation related to an unauthorized fraud alert remains.

Preserve all logs and records showing who placed the alert, the IP address, method of request, verification documentation, and identity of any representative or creditor that requested or caused the alert. Provide copies upon request.

LEGAL BASIS FCRA 604 ( a ) ( 2 ) & 604 ( f ) Consumer reports and associated protections require permissible purpose and consumer authorization ; none exists here.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking/removal of fraud-related information upon consumer notice ; Equifax is obligated to act promptly .

FCRA 611 & 623 ( a ) ( 1 ) ( A ) Mandates investigation and deletion of inaccurate or unauthorized information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance exposes Equifax to statutory and actual damages, punitive damages, and attorneys fees.

UCC 1-103 ( b ) & 1-201 ( b ) ( 20 ) Require honesty, good faith and commercial standards of fair dealing standards violated by retaining/placing unauthorized alerts.

NOTICE OF INTENT If Equifax does not comply within 24 hours, I will, without further notice : File formal complaints with the CFPB, FTC, and the State Attorney General ; Initiate civil action for actual, statutory, and punitive damages under the FCRA ; Seek all available injunctive relief and attorneys fees.

Enclosed : copy of government ID, proof of address, and a copy of my FTC Identity Theft Report/affidavit ( if applicable ).

You are on notice. I expect immediate compliance and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief