vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be rem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by PORTFOLIO RC ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), showing a high balance of {$500.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any communication or validation from PORTFOLIO RC regarding such a debt. The reporting of this account as a collection is false, misleading, and unverifiable, and it has caused undue harm to my credit profile. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers are required to report only accurate and verifiable information, and must provide full validation of any alleged debt upon request. PORTFOLIO RC has failed to provide any documentation or verification linking me to this account. 

I have previously disputed this account with the credit bureaus, but it continues to appear on my report without proper verification. Therefore, I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement of my consumer rights. I respectfully request that PORTFOLIO RC provide full and verifiable documentation proving the validity of this alleged debt, including the name of the original creditor, any signed agreements, and a complete payment history. If such proof can not be provided, I request the immediate and permanent deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK
State: TN

Complaint narrative:
I hold XXXX high-yield savings accounts with Vio Bank ( division of MidFirst Bank ) totaling XXXX XXXX XXXX {$200000.00} XXXX XXXX XXXX XXXX Today, XX/XX/year>XXXX XXXX XXXX I was locked out mid-transfer with no explanation XXXX XXXX XXXX XXXX  such incident this year * *, triggered by impossible security questions ( exact account open date ; precise recent login/deposit dates ). No alternative 2FA offered ; funds are hostage.

* * Vio 's response to my closure request : * * Demands I " call customer service '' ( I've called * * multiple times today * *, including twicehung up once, promised callback that never came ) and insists on a " * * XXXX balance * * prior to closure. '' This is * * impossible * * : I can not transfer funds electronically because the system locks me out mid-process ( happened * * at least twice before today * * ). Their " XXXX balance '' rule is a fabricated XXXX, preventing access to my own money. 

* * Prior contacts : * * - Emails to XXXX and XXXX [ dates if known ] ignored or looped back to calls. 
- Calls to XXXX : Rude reps hang up, refuse escalation. 
- FDIC complaint filed today ( Ref XXXX, attached ) no resolution yet. 

* * What I want : * * 1. * * Immediate unlock * * for electronic transfer. 
2. * * Close both accounts * * and ACH/wire * * full balances * * ( incl. interest ) to : - XXXX XXXX XXXX Bank ( XXXX Bank, XXXX. ) - Routing : XXXX - Account : XXXX - Beneficiaries : XXXX XXXX XXXX / XXXX XXXX XXXX ( joint ) - Account Opened : XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any fees. 
4. * * Written confirmation * * of transfers within 24 hours. 

* * Accounts affected : * * - Savings # XXXX : Ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Savings # XXXX : Full number inaccessible ( locked ; pull via FDIC XXXX XXXX ) This violates fair access norms ; investigate Vio 's protocols. Anonymize if published.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
There was XXXX charges that was disputed XXXX on XXXX for XXXX from XXXX which was fraudulently obtained as well as on XXXX for XXXX for a merchant called credit saint that was obtained fraudulently I have disputed twice I have called the merchants both are saying no record of me in the system for the transaction or dates I have disputed with my chime account twice and they are saying they are providing documentation there can be nothing if my info was stolen my identity was compromised my card info was compromised they will not listen they have taken over XXXX $ and will not return it this would be the XXXX time chime has done this not returning money from a unauthorized charge im not understanding whats the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Make sure that disputed accounts are processed and removed within the required time limit 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 2025-11-12 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report : Charged-Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$15000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4800.00} Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I am filing this complaint to report severe violations of federal and state consumer protection laws by Credit Acceptance Corporation in connection with the repossession and credit reporting of my vehicle loan account. 

The creditor repossessed my vehicle without providing me with a Notice of Default or a Right to Cure opportunity, as required under state consumer credit and repossession laws. Following repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, both of which are explicitly required under the Uniform Commercial Code ( UCC ) 9-611, 9-613, and 9-614. 

This failure deprived me of my legal right to redeem the vehicle, right to notice, and right to dispute or understand any alleged deficiency balance. 

Furthermore, Credit Acceptance Corporation continues to report this account to the major credit bureaus inaccurately, without lawful documentation or proper verification. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), including but not limited to : 602 ( A ) : Requires maximum possible accuracy in consumer reporting.

604 : Limits permissible purpose for data furnishing.

611 : Mandates reinvestigation and correction of disputed information.

623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known or believed to be inaccurate.

623 ( a ) ( 3 ) : Requires furnishers to update or delete unverifiable information.

623 ( b ) : Requires prompt correction upon dispute notification by a credit bureau.

Additionally, this conduct constitutes unfair and deceptive practices under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), including : 807 ( 8 ) : Prohibiting false or misleading credit information.

809 ( b ) : Requiring full debt validation before collection or reporting.

Their continued use, transfer, and reporting of my financial data without consent or verification also violates the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 68016809 ), which mandates protection against unauthorized disclosure and misuse of personal information.

The companys actions may also violate provisions of the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ), and Consumer Financial Protection Act ( Dodd-Frank Title X, 12 U.S.C. 5531 ), which prohibit unfair, deceptive, or abusive acts and require transparency in all lending and reporting practices. 

Under the XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ) and Privacy Act of XXXX  ( 5 U.S.C. 552a ), I further demand that all unverifiable, inaccurate, or incomplete data be permanently deleted from every credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Issue Type : Problem with a bank account or service Sub-Issue : Funds not properly credited Narrative : I deposited a check with Wells Fargo Bank that was cashed but never applied to my account. The check was for {$11000.00}, cashed on XX/XX/year>, and submitted via XXXX XXXX XXXX XXXX. Despite repeated follow-ups with customer service, the funds have not been credited to my account. 
I have submitted all relevant documentation, including a copy of the check ( front and back ), my account statements, and written correspondence. The bank has not provided a clear explanation or resolution. 
This issue has caused financial inconvenience and potential harm to my credit. I am requesting that the Consumer Financial Protection Bureau assist in mediating 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I received a pre approved application for an Indigo Mastercard, applied for it on behalf of myself only and was approved from Concora Credit on XX/XX/XXXX for a {$700.00} credit limit. I received the card on XX/XX/XXXX and promptly activated it. They immediately deducted an annual fee of {$170.00} leaving {$520.00} in available credit. On XX/XX/XXXX, I made XXXX small purchases for {$3.00} ( XXXX  ) and {$6.00} ( XXXX ) respectively. On XX/XX/XXXX, I twice attempted to purchase gasoline at a XXXX station during the same stop using my XXXX XXXX and the card was declined both times. I then called Concora same day to report the issue. I was interrogated by customer support asking a series of personal questions. I felt this was totally unnecessary since I completed the application, was approved and received the card. What really ticked me off was when I was asked questions a series of questions about my ex wife. I refused to provide information about her since I applied for the card for myself, have been divorced for several years and live alone. This credit line had nothing to do with her. Now Concora will not allow purchases but is still charging me {$170.00} annual fee. Pls help to avoid this scam with Concora and get the annual fee retracted as I will be cancelling the card. I will not do business with this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

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 explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
In XX/XX/XXXX, I became a victim of identity theft after responding to a phishing email that appeared to come from my university ( XXXX XXXX  ) offering emergency financial assistance. Shortly after that, two fraudulent accounts appeared on my credit file one with XXXX XXXX ( opened XX/XX/XXXX, {$0.00} balance ) and another with XXXX XXXX XXXX ( opened XX/XX/XXXX, reported balance {$14000.00} ). 
I never applied for, opened, or authorized these accounts. At the time, I was an XXXX  student at XXXX XXXX XXXX  with no XXXX work authorization before XXXX, which means it would have been impossible for me to open such credit lines. 
I filed an FTC Identity Theft Report and submitted a written dispute with supporting documents to the bureay, including my ID, work authorization, and proof of address. Despite this, they failed to investigate, remove, or even respond to my dispute as required by the Fair Credit Reporting Act ( FCRA 1681i and 1681c-2 ).

I am requesting that these fraudulent accounts be permanently deleted or blocked from my credit file and that Experian provide a written explanation for their failure to act in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts with the credit bureaus. Below are the details of the accounts in dispute for each bureau : Charged Off 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 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