vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-08-21 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:
15 USC 1681c-2 block and remove all the fraudulent items

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 2025-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the fraudulent collection account that appears on my credit reports. The account information is as follows : - Collection Agency : Carter-Young - Original Creditor : XXXX XXXX XXXX XXXX - Account Number ( partial ) : XXXXXXXX XXXX XXXX - Balance Reported : {$2300.00} - Date Opened : XX/XX/year> This account does not belong to me. It was opened without my knowledge or consent and is the result of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I requested a written explanation of Wells Fargos investigation into my XXXX suspension, as required under Regulation E ( 12 CFR 1005.11 ) and the Wells Fargo Deposit Account Agreement. Specifically, I asked for : A written notice of termination/suspension of my XXXX privileges , The documented basis for the suspension ( fraud, misuse, etc. ), Any audit trail or notes from the so-called back office specialists making undocumented decisions, A copy of the recorded XX/XX/year> call where a Wells Fargo agent admitted no one had even reviewed my original XX/XX/year> email dispute.

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 2025-08-21 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: OH

Complaint narrative:
XXXXXXXX XXXX the Fair Credit Reporting Act ( FCRA ), I reqest the imediate deletion of an acct reportin inaccurate and misleadin info.

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 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Cell phone was destroyed approx. summer XXXX  and tried to cancel on XXXX chat but they continued to charge my credit card. Later on a weekend I spoke to someone on a phone call and again asked to stop charging my credit card. They could tell that the phone was NOT active for many month but still charged my credit card. After many months, while going through a family tragedy and out of frustration I cancelled the credit card. I has charged for many months for a phone out of service for many months and they could have seen that. It was destroyed!! If anything they owe me a refund. I want this to stop!!! 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TN

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. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am extremely frustrated to see that an inaccurate account is still appearing on my credit report this morning, and I can not understand why. I review my report regularly, but this time I found unexpected discrepancies. I even tried refreshing my browser to rule out a glitch, but the unauthorized inquiry still remained. I urgently ask that the documents I submitted be carefully reviewed so this issue can finally be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM CREDIT REPORT. THANK YOU.

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 2025-08-21 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: TX

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
This inquire Thts on my credit report I didnt give consent to pull credit. Never applied for this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: GA

Complaint narrative:
We currently are facing a forclosure on our home due to lack of communication. We applied for mortgage assistance and were approved paid the XX/XX/year> in full. XX/XX/XXXX payment ran through bank but did not clear due to a glitch in our new account. Was told to wait and have them rerun payment they never did. Tried reaching out with no help. Then 3rd payment XX/XX/year> was not even attempted. We found out through my mother in law on XX/XX/XXXX that our house was in forclosure and due to sell XX/XX/year>. We have never received a notice from mortgage company or any attorneys regarding this. I called and spoke with customer service who told me it was due to sale, I asked why my assistance had been cleared from account and he told me that we did not give them 37 days which we didn't even know about this so their system not even a human denied it. He was going to reach out and see what someone in company could do. He also told me when asked why no one from Selene ever called me that they did several time. I confirmed the phone number when to my cell provider and looked for this number all the way to may and they never called. He then said they called my work number no one ever did because we are a small 3 person doctor office and ate open from XXXX Monday through Friday and we have never received a call or voice mail. I also never received a voice mail on my number from them. I called several times asking to speak with my case manager on loan XXXX XXXX and no one will let me talk to her or have her call me. They tell me they can't let me through to her. If that is the case why is she all over my portal as the person to call. I GA you are suppose to receive a 30 day notice about foreclosure as of today XXXX we still have not received anything. Customer service also told me they would mail me the system denial on assistance still have not received. I was also told between 3-5 days i would get a statement of payoff to catch up still nothing from them. They have a legal right to give me 30 days and since they didn't I'm suppose to say ok but since I didn't give them 37 days for assistance they just deny me with out any thing. How can I save my house and work with this company when you never can speak to the people that matter? We have had no communication whats so ever since they got our mortgage no calls letters nothing.

All we want to do is keep our home and catch up. I'm still waiting with the glitch XXXX payment and non run XXXX payment for them to take.

All we want to do is save our home. We have looked at other options etc but can not find one. We even reach out to our state for help but was denied because they say we make to much now. We have no idea what the lump sum to catch up with is either. We just want some help to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
A formal dispute of inaccurate personal information currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you initiate a reinvestigation into the following items identifiers and remove them from my file.

After reviewing my credit report, I found the following name and addresses that are incorrectly associated with my identity : Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries may be the result of identity theft, clerical error, or misreporting. I request that you delete these records from my file and ensure they are no longer associated with my personal identifying information.

I am disputing the following unauthorized inquiries, which I did not initiate or authorize : Inquiries Included in Dispute : 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 These entries may be the result of identity theft, clerical error, or misreporting. I request that you delete these records from my file and ensure they are no longer associated with my personal identifying information.

I am asserting my rights under : FCRA 611 ( 15 U.S.C. 1681i ) : Obligation to reinvestigate disputed information

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 2025-08-21 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: GA

Complaint narrative:
I am disputing an inaccurate mortgage tradeline on my credit file. The account appears as a mortgage reported by XXXX XXXX. I requested a reasonable reinvestigation and validation, including the original signed contract, a full payment history, and the method of verification, but I have not received proper validation.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation ), this reporting is inaccurate and/or unverifiable. Please conduct a reasonable reinvestigation, provide the method of verification and supporting documents, and delete the tradeline if it can not be verified with original source documentation.

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 2025-08-21 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: GA

Complaint narrative:
a formal follow-up to your investigation response or lack thereof regarding my previous dispute. After carefully reviewing my credit report again, it is evident that inaccurate and misleading information is still being reported. Frankly, your handling of this matter thus far does not reflect full compliance with your obligations under the Fair Credit Reporting Act. You are required to ensure maximum possible accuracy, and I believe this has not been achieved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  Original Creditor : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2025-08-21 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: GA

Complaint narrative:
a formal follow-up to your investigation response or lack thereof regarding my previous dispute. After carefully reviewing my credit report again, it is evident that inaccurate and misleading information is still being reported. Frankly, your handling of this matter thus far does not reflect full compliance with your obligations under the Fair Credit Reporting Act. You are required to ensure maximum possible accuracy, and I believe this has not been achieved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  Original Creditor : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

Account # XXXX Account # XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
In XX/XX/XXXX, the XXXX XXXX XXXX that I lease was involved in a collision that totaled my car. My Insurance Carrier XXXX provided a payoff made via the Lienholder Portal on XX/XX/XXXX. As instructed by XXXX and XXXX, I continue to make payments on the vehicle until XXXX acknowledges the payoff payment. I have contacted XXXX on three separate occasions. The first they acknowledged they received the payment in the amount of {$26000.00}. However, I was told that XXXX was dealing with system issues and while they could see the payment was received, the internal issue was preventing the payment from being posted and credited to my lease account. They recommended I call them back in about two weeks because they thought things would be resolved by then. I contacted XXXX a second time a few weeks later and was told that the representative had checked with our leadership team and " there is still a hold on all insurance checks from being posted due to a system issue, im told to please allow more time, the check will be backlogged to post on date received sorry for the inconvenience, please allow more time. '' I called XXXX a third time on Friday XX/XX/XXXX and was told by the representative that she could not see any insurance payment made by XXXX and that the Lienholder Payment Portal is a third-party tool outside of control of XXXX and that XXXX would need to resolve the issue. I was advised to contact XXXX and see if they could send a physical check rather than submit payment through the Lienholder Portal. The representative told that she would share with leadership that I was twice given incorrect information about receipt of payment. '' I advised here to notate on the account that I was going to submit a CFPB complaint. XXXX would have sent payment in accordance with the instructions from XXXX, so for XXXX to not be able to credit a payment that I show they had XX/XX/XXXX or XXXX seems like something is broken but customers are being impacted while we wait for this problem to be resolved without any expectation as to when. I have made three payments on a car that has been totaled all while waiting the situation to be resolved. The most frustration thing is the inconsistent information coming from XXXX about whether the payoff was received or not.

Company response to consumer: Closed with explanation