vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Account Summary : XXXX XXXX XXXX purchased from XXXXXXXX XXXX XXXX XXXX ( now closed, owner reportedly fled for allegations of fraud and theft ). Ally Financial was the original assignee of the Retail Installment Sales Contract. 

The dealer committed multiple frauds : -Sold vehicle with undisclosed prior accident as " Certified Pre-Owned Warranties '' -Charged $ XXXX in illegal and un-itemized fees -Never provided XXXX or vehicle history report -Bait and switch financing terms -Refused the contract rescission when attempted in the first 3 days. Under the FTC holder Rule ( 16 CFR 433 ), Ally is subject to all
claims and defenses I have against the seller. The vehicle later suffered major defects ( front bumper detached while driving ). Vehicle breaking down the first day I purchased the car. The vehicle was discovered to have been involved in accident during my Maryland State Inspection. No accident was reported by the seller. When I confronted my sales representative, he claimed they only had to report major accidents, but my vehicle broke down due to the electrical wires becoming disconnected which was a direct result of the accident. I attempted to rescind my contract numerous time and was denied every time. This is a direct violation of the 3 day rescission law. Further discovered XXXX XXXX committed identity fraud. The have a completely different driver 's license listed for me and for my husband the co-borrower, they entered his social security number for his driver 's license on the XXXX documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to dispute the following items on my credit report. I request a full investigation into the accuracy and completeness of the information reported. If any of the items can not be verified, I request that they be removed from my credit report in accordance with the Fair Credit Reporting Act. 

Inquiries : XXXX, XX/XX/year> Positive Accounts : None listed. 

Late Payments : XXXX XXXXXXXX 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 2025-12-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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:
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 2025-12-09 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit reports by XXXX XXXX XXXX XXXX for account number XXXX. This account is showing late or derogatory payment information even though the account was paid as agreed, and no delinquency should be reported. I reviewed my credit reports from Equifax, Experian, and TransUnion, and all three reports are showing inconsistent and incorrect information regarding payment history, dates, credit limits, and other Metro-2 reporting fields.

Under FCRA 607 ( b ), furnishers must report with maximum possible accuracy. Additionally, under 15 U.S. Code 1666 ( b ), errors involving incorrect payment reporting and failure to properly reflect payments qualify as billing errors. I requested verification from the creditor, including proof of late payments, proper notice, and accurate reporting records, but have not received compliant documentation.

The information being reported is harming my creditworthiness, creating unfair negative impacts on my ability to obtain credit. I am requesting that the CFPB require XXXX XXXX and the credit bureaus to properly investigate and correct the inaccurate reporting.

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 2025-12-09 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: SC

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 2025-12-09 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C.

1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Johnson Mark LLC
State: HI

Complaint narrative:
The debt collector keeps calling me even after I told them to stop contacting me by phone. 
I do not want any phone calls. This violates FDCPA 805 ( c ). 
I request that all communication be in writing only. 
CFPB intervention is needed because the collector continues calling despite my request to stop.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a letter from resurgent about a account I need information on ask for Writing validation of the allegation debt including the Original signed agreement a complete transaction History and documentation of ownership transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
The debt collector keeps calling me even after I told them to stop contacting me by phone. 
I do not want any phone calls. This violates FDCPA 805 ( c ). 
I request that all communication be in writing only. 
CFPB intervention is needed because the collector continues calling despite my request to stop.

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 2025-12-09 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: IL

Complaint narrative:
I am requesting an investigation into the reporting of the XXXX XXXX XXXX account listed above. This account was included in and discharged under my XXXX XXXX bankruptcy, yet Equifax is reporting inaccurate, inconsistent, and incomplete information. The status reads INCLUDED IN BANKRUPTCY, but delinquency marks are still present Payment history is not properly suppressed post-bankruptcy Comments are inconsistent with Metro 2 requirements Account does not reflect proper bankruptcy discharge reporting standards These errors violate the FCRAs requirement for maximum possible accuracy.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a formal complaint against Chime regarding an unauthorized electronic transaction that I disputed multiple times and was repeatedly denied without a proper investigation. I was the victim of a scam, and the funds were taken from my account without my informed authorization. I did not receive any goods or services, and I did not benefit in any way from the transaction. 

I submitted multiple disputes to Chime, and they denied each one without providing a reasonable explanation or the evidence they claim to have used in making their decision. Chime has failed to meet its obligations under Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to conduct a fair, good-faith, timely investigation of unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
They are saying I owe XXXX from XXXX  years ago. I think I submitted this before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Against : TransUnion ( Credit Reporting Agency ) Issue : Illegal Reinsertion Failure to Provide Certification / Failure to Notify/ Inaccurate Reporting I am filing this complaint because TransUnion unlawfully reinserted a previously deleted tradeline from XXXX XXXX XXXX XXXX ( XXXX ) ( Account ending XXXX ). The tradeline was deleted in a prior dispute, but TransUnion added it back in XX/XX/year> with the notation INVESTIGATION RESULTS REINSERTED. 

This reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ) for multiple reasons : No certification of accuracy was provided. 
TransUnion did not obtain nor provide a valid certification from the furnisher with evidence proving the account belongs to me. TransUnion simply reinserted the item without documentation. 

No XXXX reinsertion notice was sent. 
The FCRA requires a separate written notice within XXXX business days after reinsertion, including the furnishers name, address, and a copy of the certification. I never received any such notice. TransUnion buried the reinsertion inside an investigation printout, which is non-compliant. 

The furnishers own letter contradicts XXXX actions. 
XXXX sent me a letter dated XX/XX/year> stating they recently received notification from TransUnion to block reporting. This proves the account was previously suppressed. No evidence was provided by XXXXno contract, no billing statements, no original documentation. The verification was conclusory and unsupported. 

The reporting is inconsistent and unreliable. 
The alleged balance jumped from approximately {$80.00} to {$230.00} with no explanation or documentation. There is no itemized billing, no proof of purchase, and no evidence the account is mine. 

TransUnion reinserted unverifiable, previously deleted data without certification and without required notice. This is a procedural violation and has caused harm to my credit standing. 

I request : Full deletion of the XXXX tradeline A copy of the furnishers certification, if it exists Enforcement action for FCRA violations I am requesting CFPB intervention because TransUnion is not following the 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 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Regarding : XXXX I am writing to formally address a serious issue with my case. I was informed that a representative has been attempting to contact me. This is incorrect. I have not received a single call, voicemail, text message, or missed call from Wells Fargo. 
What makes this situation even more unacceptable is that this is the exact same problem I experienced previously, when Wells Fargo claimed attempts were made to reach me and then closed the case stating everything had been handled correctly, despite the fact that no contact ever occurred. 
My phone number on file is accurate, and my phone is fully operational. The repeated claim of attempted contact, without any actual communication, suggests a clear breakdown on Wells Fargos end. 
I am requesting immediate action. 

A representative must contact me directly at XXXX or email XXXX Do not close this case until I have spoken with someone. 
I expect written confirmation that this issue is being properly addressed. 
I expect a prompt and accurate 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 explanation