vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was charged a {$120.00} annual fee on my XXXX  XXXX  card without any advance notice. I reviewed both my XXXX and XX/XX/year> statements and found no mention of this fee or any indication that it was coming. 

Then in XX/XX/year>, my account was suddenly hit with the full {$120.00} fee, along with credit protection fees and interest charges that caused my balance to XXXX. 

I emailed every support address listed, and all of my messages bounced back as undeliverable. I also called customer service, but they were not able to explain why I wasn't notified or resolve the issue. 

I am now formally disputing the {$120.00} charge and requesting that it be removed. I also want written confirmation that I will be notified before any future fees are applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can't get into accounts called to update accounts to get credit score and can't get no where. They didn't help me get into the account at all

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 2025-06-27 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:
I am writing to dispute several inaccurate entries on my credit report. I did not authorize or open these accounts, nor do I have any affiliation with the institutions listed. Their presence is both misleading and damaging to my financial integrity.

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 2025-06-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : NXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My credit report contains inaccurate and fraudulent information that does not belong to me. Several accounts were opened or reported under my name without my knowledge or consent. Additionally, personal information such as an incorrect name ( " XXXX XXXX XXXX '' ) and outdated addresses have been reported, which has caused confusion and credit damage. 

I am the victim of identity theft or mistaken identity. I have attached a detailed affidavit listing the fraudulent accounts, a copy of my FTC Identity Theft Report, my dispute letters sent to the credit bureaus, and proof of identity and address. 

I am requesting a full investigation and removal of the following accounts : KIA FIN AM 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 My correct and only name is XXXX XXXX XXXX XXXX and my current address is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I respectfully request that all inaccurate items be removed in accordance with the Fair Credit Reporting Act ( 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 2025-06-27 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: LA

Complaint narrative:
I recently reviewed my credit file and discovered a hard inquiry that I did not authorize. I have not applied for any loans, credit cards, or financial products recently that would result in such an inquiry.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
A medical debt was reported by TransUnion before the XXXX grace period outlined in CFPB guidance had passed. I had no contact with the provider or agency during that time. Months later, the debt was updated to appear newer than it actually is, without any consumer activity on my part. This appears to be illegal re-aging, done solely to make the debt seem recent. I disputed the account, but TransUnion verified it without a proper investigation or documentation. This reporting is inaccurate, misleading, and noncompliant with federal medical debt reporting standards and as such should be immediately 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 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/2025 at around XXXXXXXX XXXX I took out a {$1200.00} loan from Birch Lending while experiencing a mental health crisis. I was overwhelmed, emotionally distressed, and not in a clear state of mind. I had been struggling with severe XXXX  and XXXX, and I made this financial decision in a moment of desperation during a mental health episode. The next day, I started XXXX  under the guidance of a medical provider. 

I later discovered that the loan had an APR of 690 %, which is not only shocking but well beyond what is legally allowed in the state of Ohio, where I live. Birch Lending claims tribal status, but they lend to non-tribal residents and therefore must comply with federal and state lending laws.

I have since revoked authorization for any further payments and reached out to the company to dispute the legality and enforceability of the loan. I am not requesting that the CFPB investigate this lender for predatory practices, especially their targeting vulnerable borrowers in moments of crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an account from my credit report that does not belong to me. This account is clearly a result of a credit file mix-up, and it is inaccurately being associated with my personal credit history. 

To be crystal clear : this account is not mine. I have no financial connection to it, I have never opened it, and I am not in any way responsible for its activity. Yet, it is showing up on my report and directly impacting my credit standing something I take very seriously.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-27 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: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2025-06-27 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Student loans XXXX XXXXXXXX XXXX XXXX XXXX XXXX And more I had my identity stolen and stuff been hitting my credit its been hard trying to get it off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: OR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXXTo:XXXX XXXX XXXX XXXX XXXX TX XXXXExperianXXXX XXXX XXXX TX XXXXSubject: Notice of Intent to File Legal Action Under the Fair Credit Reporting Act (FCRA)\n\nTo Whom It May Concern,\n\nThis letter serves as a formal Notice of Intent to File Suit against XXXX XXXX and Experian for ongoing violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., and Internal Revenue Code  6050P.\n\nDespite numerous written disputes and formal complaints filed through the Consumer Financial Protection Bureau (CFPB), you have failed to correct the inaccurate and misleading reporting related to XXXX XXXX  account ending in XXXX. The account is being reported as a charge-off with a balance of XXXX  without furnishing a legally required Form 1099-C, despite claiming the amount has been written off. This continued reporting is unlawful and materially damaging.\n\nYou are in violation of the following statutes:\n- 15 U.S.C.  1681i(a): Failure to reasonably reinvestigate and correct disputed information.\n- 15 U.S.C.  1681e(b): Failure to maintain procedures to assure maximum possible accuracy.\n- 15 U.S.C.  1681s-2(b): Failure of the furnisher XXXX XXXX) to conduct a proper investigation and update the reporting agency.\n- 15 U.S.C.  1681g(a): Failure to provide full file disclosure.\n- 15 U.S.C.  1681n &  1681o: Civil liability for willful and/or negligent noncompliance.\n- 26 U.S.C.  6050P: Failure to issue IRS Form 1099-C following debt cancellation or charge-off.\n\nIf you do not delete the inaccurate reporting and fully comply with your legal obligations within fifteen (15) days of receipt of this letter, I will pursue all available legal remedies, including filing a lawsuit in federal court for actual damages, statutory damages, punitive damages, and attorneys fees.\n\nThis letter constitutes a final opportunity to correct your unlawful conduct and avoid litigation.\n\nSincerely,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 2025-06-27 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: AL

Complaint narrative:
YOU ARE IN VIOLATION OF FEDERAL LAW Under 15 USC 1681e ( b ), you are required to maintain maximum possible accuracy in consumer reports. However, by reporting unverified, inaccurate, or unauthorized accounts, you are in direct violation of this statute.

Under 15 USC 1681n, willful noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Your refusal to correct these errors immediately will leave me no choice but to pursue legal action against your agency. 
COMPLAINTS HAVE BEEN FILED

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX for the XXXX XXXX of Michigan that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
To whom ever this may concern, I XXXX XXXX have never applied for this account by the name of national credit systems. Ive never had an apartment or anything connected too that account. Ever since I lost my wallet Ive been experiencing this issue. Please remove the fraudulent account as soon as possible along with all XXXX fraudulent inquiries. Ive never gave any of these companies permission too access or view my credit reports. As of today I would like the fraudulent account removed, along with the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have noticed on my XXXX account that I do not have overdraft protection but transactions attempted on my XXXX  card when there are no funds are still going through and I am then being charged a {$35.00} overdraft fee although the protection is optional per the website but Wells Fargo advised via phone that it is standard added to all accounts which then takes away the OPTIONAL part. I called and was told this AUTO-ENROLLMMENT takes XXXX  days to remove and only XXXX fee can be removed as a courtesy.The agent advised that they are aware customers do not have kowledge of this most times as well. I called in on today XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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