vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits ( please remove these accounts before I seek litigation for defamation of character ) XXXX BALANCE {$2100.00}, XXXX BALANCE {$2100.00}, XXXX BALANCE {$2600.00}, XXXX  BALANCE {$1000.00}, XXXX  BALANCE {$2500.00}, XXXX  BALANCE {$1000.00}, XXXX NC BALANCE {$4000.00}, XXXX XXXX BALANCE {$4600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits ( please remove these accounts before I seek litigation for defamation of character ) XXXX BALANCE {$2100.00}, XXXX BALANCE {$2100.00}, XXXX BALANCE {$2600.00}, XXXX  BALANCE {$1000.00}, XXXX  BALANCE {$2500.00}, XXXX  BALANCE {$1000.00}, XXXX NC BALANCE {$4000.00}, XXXX XXXX BALANCE {$4600.00}

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/2025, my vehicle was repossessed from clearly marked private property without final notice, despite dealership staff verbally assuring me they could not and would not repossess from that location. There was no knock, no call, no warning just silence followed by my car vanishing from outside my home. This is trespass and an illegal act in many states. 

After I paid {$900.00} to reinstate my account, the vehicle was returned tampered the battery was dead, the push-to-start system no longer worked, and my key fob had been swapped without my knowledge or consent. That is fraud, possible theft, and a violation of trust. When I confronted the dealership, they denied everything until I proved it. 

Although my warranty approved the battery replacement, I still had to pay {$150.00} out-of-pocket plus {$16.00} in shop fees and not all needed repairs were ever covered. The suspension was flagged, but they denied warranty coverage even when it should have applied. Denying covered repairs without justification is a breach of contract and warranty law. 

I was then denied both a payment extension and the ability to make partial payments even while dealing with car issues they caused. This was during an already documented hardship, right after I had just reinstated my account. This behavior is predatory, and part of a pattern anytime I have asked for help, I have been gaslit, lied to, or completely ignored. 

On XX/XX/XXXX, the vehicle was repossessed again this time from XXXX, the repair shop they told me to take it to. I received no notice, no call, nothing. The shop admitted they handed over the vehicle and key fob without my consent. This was done while I was still working with both parties to resolve the issue. I was charged repossession and towing fees on top of everything else. 

This is not just XXXX error. It is a pattern of bad-faith business practices, violations of consumer protection laws, and abusive lending behavior all while I have done my part, made payments, and kept records. I have suffered emotional distress, and financial loss for my family. Additionally I currently have an open CFPB complaint regarding this matter. The case documents, including communications and evidence, are accessible here : https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b"Wells Fargo \n\nOn XX/XX/2025,I received a letter dated XX/XX/2025  from Wells Fargo's Fraud & Claims Management division, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.  The letter had my name and address and account Number XXXX as an account number.   \n\nThe letter read that Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities, and that they would be closing my account because one or more of the money transfers was reported as unauthorized, and that this account is expected to close by XX/XX/2025, and that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing.   \n\nIve never opened an account at Wells Fargo, so all of this was concerning.   \n\n \n\nIt goes on to say that deposits have been blocked and withdrawals and payments have been blocked.   \n\nI had recently received what looked like a credit card from Wells Fargo, but I had thought it had been one of those fake ones that you get in the mail.  On closer inspection after this correspondence, it was a real Debit card.  The number on it was XXXX XXXX XXXX XXXX, valid thru XX/XX/XXXX XXXX XXXX.   \n\nI called Wells Fargo and spoke to numerous people.  They wouldnt tell me if I had any accounts attached to this account, what kind of account it was, if there was a balance in the account, if there was a debt on the account or anything.  I spoke with XXXX  and his number is XXXX.   \n\nI spoke with Identity Force, my Insurance for Identity theft with a report filed and a case number of XXXX.   \n\nI checked my credit report and found out that the Wells Fargo account was opened on XX/XX/2025.  That was a Saturday.  I was asleep all day Saturday and worked all night, that Saturday night.   \n\nI Notified the Federal Trade commission and filed a complaint XX/XX/2025."

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 2025-08-06 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ME

Complaint narrative:
I recently reviewed my credit report and notice an account that was reporting account that doesn't belong to me and is identity theft. the consumer reporting agencies needs to report all information with complete accuracy. This account is identity theft. the complaint on the following account with XXXX XXXX XXXX XXXX. and the first 6 account number is XXXX the loan amount that shows on my report XXXX with beginning balance of XXXX date of the opening of the account on my report says XX/XX/scrub> 2025. Im now requesting you to remove this account immediately cuz its identity theft and the account doesn't belong to me. cuz its identity theft by federal law you are required to remove within 4 business days.Thank you for your understanding and prompt action.

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 2025-08-06 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: ME

Complaint narrative:
I recently reviewed my credit report and notice an account that was reporting account that doesn't belong to me and is identity theft. the consumer reporting agencies needs to report all information with complete accuracy. This account is identity theft. the complaint on the following account with XXXX XXXX XXXX XXXX. and the first 6 account number is XXXX the loan amount that shows on my report XXXX with beginning balance of XXXX date of the opening of the account on my report says XX/XX/ 2025. Im now requesting you to remove this account immediately cuz its identity theft and the account doesn't belong to me. cuz its identity theft by federal law you are required to remove within 4 business days.Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: ME

Complaint narrative:
I recently reviewed my credit report and notice an account that was reporting account that doesn't belong to me and is identity theft. the consumer reporting agencies needs to report all information with complete accuracy. This account is identity theft. the complaint on the following account with XXXX XXXX XXXX XXXX. and the first 6 account number is XXXX the loan amount that shows on my report XXXX with beginning balance of XXXX date of the opening of the account on my report says XX/XX/scrub> 2025. Im now requesting you to remove this account immediately cuz its identity theft and the account doesn't belong to me. cuz its identity theft by federal law you are required to remove within 4 business days.Thank you for your understanding and prompt action.

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 2025-08-06 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: GA

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 2025-08-06 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: GA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 submitting this complaint because Experian continues to report XXXX late payments on the following accounts below, despite my request for verification. 

I formally disputed these entries and requested proof per the FCRA, but no supporting documentation was provided. Experian failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 

XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to my records, I believe these late payments are either inaccurate or misreported. I have maintained responsible payment behavior and request that XXXX  perform a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants me the right to dispute information I believe to be incorrect. I request that you contact the data furnisher to verify the accuracy of the reported delinquencies. If the creditor can not provide verifiable proof of the delinquencies, including billing statements and payment records for those specific months, the late payments should be deleted from my credit report.

Furthermore, per FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Failure to maintain accurate and verifiable data constitutes a violation of this provision.

Please update the status of this account accordingly and notify me in writing of the results of your investigation. I would also appreciate an updated copy of my credit report reflecting any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
XXXXI have submitted multiple formal disputes to TransUnion, Equifax, and Experian concerning multiple accounts reporting negatively on my consumer reports. These accounts appear as collections, charge-offs, or assignments, yet the credit bureaus failed to provide proper validation of consideration (value given), which is a legal requirement under UCC  3-303(b).\n\nDespite my certified requests and follow-up letters (latest USPS Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX, I received either generic template responses or no meaningful investigation at all. This violates my rights under:\n\n15 U.S.C.  1681i(a)(6)(B)(iii)  failure to provide reinvestigation results,\n\n15 U.S.C.  1681e(b)  failure to ensure maximum accuracy of consumer information,\n\n15 U.S.C.  1681b  lack of permissible purpose to share my private information,\n\nUCC  3-303(b)  failure to show consideration/value given for any alleged debt,\n\n18 U.S.C.  1028  unauthorized possession and use of my personally identifiable information (PII),\n\nXXXX XXXX XXXX XXXX  use of deceptive and inaccurate credit information under Georgia law.\n\nEach bureau continues to report alleged debts where the original creditor has charged off the debt and has likely issued IRS Form 1099-C. However, no such documentation has been produced to confirm:\n\nWho owns the alleged debt,\n\nWhether any consideration was paid for assignment,\n\nWhether I provided written consent to share or report such information.\n\nThis is misleading and damaging to my credit and legal standing.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
XXXXI have submitted multiple formal disputes to TransUnion, Equifax, and Experian concerning multiple accounts reporting negatively on my consumer reports. These accounts appear as collections, charge-offs, or assignments, yet the credit bureaus failed to provide proper validation of consideration (value given), which is a legal requirement under UCC  3-303(b).\n\nDespite my certified requests and follow-up letters (latest USPS Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX, I received either generic template responses or no meaningful investigation at all. This violates my rights under:\n\n15 U.S.C.  1681i(a)(6)(B)(iii)  failure to provide reinvestigation results,\n\n15 U.S.C.  1681e(b)  failure to ensure maximum accuracy of consumer information,\n\n15 U.S.C.  1681b  lack of permissible purpose to share my private information,\n\nUCC  3-303(b)  failure to show consideration/value given for any alleged debt,\n\n18 U.S.C.  1028  unauthorized possession and use of my personally identifiable information (PII),\n\nXXXX XXXX XXXX XXXX  use of deceptive and inaccurate credit information under Georgia law.\n\nEach bureau continues to report alleged debts where the original creditor has charged off the debt and has likely issued IRS Form 1099-C. However, no such documentation has been produced to confirm:\n\nWho owns the alleged debt,\n\nWhether any consideration was paid for assignment,\n\nWhether I provided written consent to share or report such information.\n\nThis is misleading and damaging to my credit and legal standing.'

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
DATA BREACH OF FOLLOWING ACCOUNTS DEPT OF ED XXXX AND INQUIES I HAVE ASKED SINCE XX/XX/XXXX FOR METHODS OF VERIFICATIONS. I HAVE NOT RECIEVED THE METHOD OF VERIFICATION, BECAUSE THE INFORMATION WAS APART OF A XXXX DATA BREACH

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the unauthorized information. 

Enclosed are : A list of the disputed items My FTC Identity Theft Report A copy of my government-issued ID and proof of address I request confirmation once the corrections have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I contacted XXXX asset management in writing to validate the debt and to provide a contract bearing my signature. Under the Fair Credit Reporting Act 15 USC 1681g and 15 USC 1681 ( a ). They sent nothing and did not remove it from my credit report. After XXXX months I called the company. I was they were a credit reporting company and do not validate debt. XXXX weeks later I received a letter with XXXX different companies on it for the so called debt. The letter is attached.

Company response to consumer: Closed with non-monetary relief