vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
The reason this is not correct is, you have acknowledged and KNOW that I am a XXXX XXXX XXXX. You have acknowledged that, " You are asking us to correct the late payments, remove your student loans from your credit report, and place your loans into a deferred status ''. You all are knowingly, and falsely, putting derogatory remarks on my credit report. I am not late on loans that should have been deferred! Now, after months of you all ignoring, I actually had a finance professional look into the dates of this mysterious $ XXXX loan I owe on and it became clear, this debt is false. In XXXX I was diagnosed with a XXXX XXXX and wasn't enrolled back into school until XXXX and have Medical records to prove it. When this was identified last week to the credit bureaus, they've sent me notifications of you all CHANGING THE DATES ON THE LOANS! That is fraud. My account with XXXX XXXX wasn't transferred in XXXX, it was closed and my laons were FORGIVEN due to my health. XXXX XXXX and I communicated very well, I don't know who you all are and have never even heard of you until you tanked my credit XXXX points. THAT NEEDS TO ALSO BE CORRECTED! I have documentation for all of this. You all have forwarded me my XXXX, I have it and you all have violated it since day one. Now knowing you all are creating fake loans under my identity and falsifying the dates to creditors, I know you all re up to no good.

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 2025-08-01 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: VA

Complaint narrative:
The reason this is not correct is, you have acknowledged and KNOW that I am a XXXX XXXX XXXX. You have acknowledged that, " You are asking us to correct the late payments, remove your student loans from your credit report, and place your loans into a deferred status ''. You all are knowingly, and falsely, putting derogatory remarks on my credit report. I am not late on loans that should have been deferred! Now, after months of you all ignoring, I actually had a finance professional look into the dates of this mysterious $ XXXX loan I owe on and it became clear, this debt is false. In XXXX I was diagnosed with a XXXX XXXX and wasn't enrolled back into school until XXXX and have Medical records to prove it. When this was identified last week to the credit bureaus, they've sent me notifications of you all CHANGING THE DATES ON THE LOANS! That is fraud. My account with XXXX XXXX wasn't transferred in XXXX, it was closed and my laons were FORGIVEN due to my health. XXXX XXXX and I communicated very well, I don't know who you all are and have never even heard of you until you tanked my credit XXXX points. THAT NEEDS TO ALSO BE CORRECTED! I have documentation for all of this. You all have forwarded me my XXXX, I have it and you all have violated it since day one. Now knowing you all are creating fake loans under my identity and falsifying the dates to creditors, I know you all re up to no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have an account with Wells Fargo, and I received a promotional offer to upgrade my account to a XXXX  Checking account. The offer : " Upgrade to XXXX  Checking by taking your bonus offer code to a branch by XX/XX/XXXX. XXXX and maintain {$250000.00} in qualifying linked balance to receive your {$2500.00} bonus. '' On XX/XX/XXXX, I visited the XXXX XXXX in XXXX, SC, and upgraded my account accordingly with the offer code : XXXX. The banker XXXX XXXX ( XXXX ID : XXXX ) applied the promo code to my account and upgraded my account. 
Under the terms, I was required to bring {$250000.00} or more in new deposits to qualifying linked accounts by day XXXX. Accordingly, on XX/XX/XXXX, I deposited $ XXXX into my linked savings account. 
Under the terms, I was required to maintain the {$250000.00} balance in the linked accounts through day XXXX after account opening. To date, my funds are still in the linked account. 
Under the terms, the {$2500.00} bonus will be deposited into my XXXX  Checking account within 30 days of meeting offer requirements. 
I met the requirement and needed to receive the {$2500.00} by XX/XX/XXXX, but I did not receive the bonus. 
Hence, the bank should deposit the {$2500.00} bonus into my checking account in accordance with the terms and conditions of the offer.

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weber & Olcese, PLC
State: TN

Complaint narrative:
I have a collection from a XXXX  XXXX credit card. I identified the collection on my credit report portfolio recovery is the name and contact listed. When I contacted portfolio recovery. They advise that the debt is being handled by the law firm Weber ( &, and ) Olcese. I have reached out multiple times by phone request requesting information be provided and I am repeatedly told the only one who can provide me information is the person working my case I have been provided a phone number and the first name, XXXX and that her agent number is XXXX, this person does not return my calls, they will not provide me with my file number so that I am able to use the online platform to settle this debt. Additionally, I have left a multitude of voicemails requesting a call back and requesting information. No one is returning my calls or contacting me. I have also not been provided any information via mail or any other form of contact from this company with any attempt to collect the debt or how I am able to settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
These questions appear to have emerged unexpectedly and without prior approval. Please review the documentation immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
i paid my bill for XXXX  XXXX XXXX  and the didn't change my score or report the change,

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 2025-08-01 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: VA

Complaint narrative:
i paid my bill for XXXX  XXXX XXXX  and the didn't change my score or report the change,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
TransUnion continues to report disputed accounts and inaccurate personal identifiers, despite my formal notice submitted on XX/XX/year>. This notice clearly exercised my rights under the FCRA to challenge inaccurate reporting and demand Metro 2 compliance. 

TransUnion has reported unverified and inconsistent accounts, listed multiple versions of my name, employer, and address, and ignored discrepancies that deviate from Metro 2 and CDIA CRRG standards In violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ), TransUnion failed to correct the following : The accounts in dispute are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries from : XXXX XXXX  and XXXX XXXX TransUnions refusal to remove or properly investigate these items constitutes willful non-compliance. ( PLEASE SEE ATTACHMENT )

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I sent a debt validation request to Nelson & Kennard ( on behalf of XXXX XX/XX/XXXXXXXX ) regarding a debt they claimed I owed. In response, they mailed me a packet containing another consumers personal financial information, including full name, address, full account number, consumer ID, balance, charge-off date, and last XXXX digits of their SSN. This is a violation of FDCPA 1692c and 1692f, the Rosenthal Act ( CA Civil Code 1788.17 ), and the California Consumer Privacy Act. They still have not provided proper validation of my alleged debt, and I am now being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-01 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-01 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
The XXXX KIA XXXX XXXX was determined to be a total loss by XXXX XXXX XXXX with a date of loss being XXXX. I received a paid in full letter from Kia Finance stating : " Kia Finance America record reflects that on XX/XX/XXXX we received a final payment in the amount of {$39000.00} on the above referenced account. At this time, your account status is paid in full and closed ''. This account was still being reported to my credit after XXXX/XXXX/XXXX as not being paid, and I was informed by Kia Finance that I would have to dispute this matter because they was not going to correct it.

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 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Subject : Complaint Regarding Acima Leasing Request for Assistance and Resolution Dear Consumer Financial Protection Bureau, I am seeking assistance in resolving an ongoing dispute with Acima Leasing. 

I entered into a lease agreement with Acima for furniture in XX/XX/year> ; however, the company has failed to fulfill its responsibilities under that agreement. On multiple occasions, they scheduled appointments to retrieve the leased furniture but failed to show up without any notice or communication. 

During this time, I was in the process of moving, and the furniture could not remain at the property. As a result, I incurred additional out-of-pocket expenses, including fees to a moving company and the cost of securing storage, solely to accommodate XXXX retrieval process. 

Despite raising these concerns with XXXX upper management, no resolution or compensation has been offered. Moreover, the company has not acknowledged or taken responsibility for the repeated missed appointments or the resulting costs I have incurred. 

Adding to the issue, I was informed by Acima that billing would cease once the return process had been initiated. However, they have continued to charge me the monthly lease fee, even though the agreement was not renewed and the return process is well underway. 

At this point, I am seeking your support to formally resolve this matter and terminate all ties with Acima Leasing. I would appreciate your guidance on the appropriate next steps and any legal options available to recover the costs I have unfairly borne. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00}

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 2025-08-01 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: NY

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 2025-08-01 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: GA

Complaint narrative:
There are several in accuracy on my credit report that is still reporting as a derogatory account that needs attention

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 2025-08-01 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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 2025-08-01 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 HAVE NEVER HAD AN " XXXX XXXX '' ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX AND DO NOT APPRECIATE HOW PEOPLE ARE ALLOWED TO GET AWAY WITH THINGS LIKE THIS TO HAPPEN WITHOUT IDENTIFIED ME OF THESE ALLEGATIONS. THIS IS NOT MY ACCOUNT

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 2025-08-01 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation