vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: ME

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the below-listed furnishers and the credit bureaus for failing to maintain accurate and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the reporting agencies and furnishers have continued to report false and unverifiable data that severely impacts my consumer rights, credit reputation, and financial standing. I am demanding a full investigation, deletion, and correction of these items according to 15 U.S.C. 1681i and 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and is being falsely associated with my profile, violating FCRA 602 ( a ). You are required to delete this unverifiable personal information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account reflects inaccurate late payment data with no valid verification. Reporting unverifiable or false payment history violates FCRA 611 ( a ) and 623 ( a ) ( 3 ). I request immediate reinvestigation and deletion if no documented evidence is provided. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry was made without my authorization or permissible purpose under FCRA 604 ( a ) and 607 ( a ). It must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and lacks a legitimate business purpose, violating FCRA 604 ( a ) and 615 ( b ). Delete it from my report immediately.

As a consumer under the protection of the FCRA, I am requesting that the CFPB review this matter, hold the responsible entities accountable, and compel them to immediately delete or correct all inaccurate data. Failure to comply with the legal requirements of the FCRA demonstrates willful noncompliance under 616 and 617, for which the responsible parties are liable.

I respectfully request an immediate investigation into these violations and confirmation of corrective actions.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a XXXX XXXX XXXXXXXX XXXX XXXX account ( ending in XXXX ) under promotion XXXX, which offered a {$900.00} bonus for depositing at least {$25000.00} in new money and completing XXXX qualifying transactions within 60 days. 

I satisfied all terms : XX/XX/2025 : {$100.00} opening deposit via ACH transfer from my XXXX XXXX Bank account ( external new money ). 

XX/XX/2025 : {$26000.00} in-person check deposit ( new money, satisfying balance requirement ). 

June 1217, 2025 : XXXX XXXX payments, each within 60 days of account opening. 

My account maintained a balance above {$25000.00} from late XXXX through XXXX 2025. 

U.S. Bank denied the bonus on XX/XX/2025, claiming the {$100.00} opening XXXX deposit does not qualify as a transaction. However, the official promotional flyer clearly lists XXXX credits as eligible qualifying transactions and nowhere excludes the initial XXXX funding. Their interpretation adds an undisclosed condition not stated in the terms.

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 2025-10-31 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 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 2025-10-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB, I am filing this complaint against Wells Fargo due to the extremely poor and unprofessional customer service I have received. The level of treatment Ive experienced from their representatives has been appalling and unacceptable for a financial institution of this size. 

When I attempted to contact Wells Fargo regarding my account concerns, the representatives were dismissive, unhelpful, and in some cases, outright rude. They failed to provide clear explanations or effective resolutions, leaving me frustrated and unsupported. The lack of accountability and respect shown during these interactions demonstrates a serious disregard for customer satisfaction and professional standards. 

I believe that Wells Fargo should be held responsible for maintaining a reasonable standard of customer care and ensuring that all representatives communicate respectfully and effectively with their customers.

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 2025-10-31 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:
I am submitting this seventh formal complaint and urgent follow-up regarding multiple unauthorized or inaccurate credit inquiries appearing on my credit report. Despite previous disputes, these inquiries remain unresolved and continue to negatively impact my creditworthiness. 
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 I did not authorize these inquiries in many cases, nor did I apply for credit or services with several of these entities. These inquiries lack a permissible purpose, violate my privacy, and have contributed to inaccurate reporting on my credit file.

604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ] : Access to consumer reports is permitted only for authorized purposes, which these inquiries do not demonstrate.

604 ( f ) [ 15 U.S.C. 1681b ( f ) ] : Creditors must certify the permissible purpose and provide evidence of authorization upon dispute.

605B [ 15 U.S.C. 1681c-2 ] : Unauthorized inquiries must be permanently deleted and blocked from future reinsertion unless verified with signed authorization.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must maintain maximum possible accuracy in reporting.

611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] : Consumers have the right to dispute inaccurate information, and CRAs must conduct a reasonable investigation.

619 [ 15 U.S.C. 1681q ] : Obtaining a consumer report under false pretenses is unlawful.

615 ( a ) [ 15 U.S.C. 1681m ( a ) ] : Furnishers must notify consumers promptly of adverse or corrected information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
During the day of XX/XX/XXXX My funds were fine. Everything was okay. Suddenly on the evening at XXXX of XX/XX/XXXX I received an email stating both my checking and routing numbers were restricted. I called to find out what is going on because as I stated earlier my account was fine. The person on the phone told me unfortunately my account was flagged and is going to be going to closure. I asked what do you mean flagged why would it be closed what did I do because everything was just fine. I then asked when am I going to get my money. {$2900.00} in my checking and {$100.00} in my savings not to mention {$200.00} invested in stocks. The representative told me if Im eligible for my funds in 30 days. What do you mean if Im eligible?! That is my money! Nobody has answers! I want answers! I want my money as well. Things were fine hours ago and. The XXXX of XX/XX/XXXX everything was dandy and peaches as bills were being taken out. I hope this is rectified as soon as possible. I need my money. That was my rent money. Tomorrow is XX/XX/XXXX. Rent is due and now my money is stuck!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following addresses, accounts, and inquiries are inaccurate and need immediate investigation and removal from my credit file. The continued reporting of these items is causing harm to my creditworthiness and is in direct violation of my consumer protection rights.

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$250000.00} This account is reporting multiple late payments that are factually inaccurate and unverified. I have never received proper validation or evidence confirming the legitimacy of the alleged delinquencies. Continuing to report unverifiable late payments violates FCRA 1681s-2 ( b ) and 1681i ( a ), as no certified proof of delinquency was provided. The inconsistent reporting of payment history shows data integrity failure, demanding immediate correction and deletion to maintain compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7300.00} This account is falsely listed as a charge-off without any verified documentation supporting that status. According to FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ), furnishers must report data accurately and fairly. Reporting a charge-off without evidence or account validation is a direct violation of federal law. You must remove or correct this item to reflect accurate and complete reporting.

The continued reporting of these inaccurate items and unauthorized inquiries has caused significant financial and emotional distress, reducing my credit score, damaging my credibility, and affecting my ability to obtain fair credit opportunities. I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce compliance with federal consumer laws and ensure that all unverifiable, inaccurate, and unauthorized information be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 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: NC

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 may 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 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Credit Acceptance Corporation obtained a judgment against me in XX/XX/XXXX in the XXXX XXXX. The judgment was satisfied in XX/XX/XXXX as shown in the official court record. 

However, XXXX XXXX continues to report monthly late payments through XXXX and XXXX on my credit report. This makes it appear as if I was missing new payments after the court judgment, even though the debt was already legally resolved through the judicial process. Once a creditor obtains a judgment, the original credit agreement is legally terminated and merged into the judgment. There are no longer active monthly payment obligations under the original loan contract, and therefore the creditor can not continue to report new delinquencies or XXXX day late marks beyond the judgment date. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), furnishers of information must ensure that all data they report is both accurate and not misleading. By continuing to update the account as late months or years after the judgment, XXXX XXXX is providing a misleading representation of the accounts status and payment history. 

The account should have been reported as : Closed/Charged off as of XX/XX/XXXX ( the date of judgment ) Status : Judgment entered XX/XX/XXXX Satisfied XX/XX/XXXX No new late payments after XX/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 2025-10-31 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: MA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I paid my XXXX account in full. Despite this, XXXX continues to report the account as unpaid/charged off to XXXX. I provided proof of payment showing the balance was satisfied, but the company refuses to correct the reporting or provide a full account number on the payment documentation. This violates the Fair Credit Reporting Act ( FCRA ). I am requesting that XXXX immediately update the credit bureaus to reflect Paid in Full or Closed {$0.00} Balance and provide written confirmation of the correction.

Was told that they couldnt add the account number due to compromise, it was said that the balance was XXXX but they made me pay one XXXX for account number ending XXXX. 
And Possible Finance is misleadingly reporting my account as charged off with a balance owed, even though the account has been paid in full. I contacted them directly and confirmed my payment, yet they refuse to update my credit file accurately. This is a violation of the Fair Credit I keep emailing them back-and-forth, trying to get them understand theyre wrong doing, but Im getting nowhere and I have five more other long emails to prove that Im not getting anywhere with the misleading XXXX charge off when is paid in full so it should reflect XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Because I would love to have some compensation back I've had my identity scam so hard XXXX I had a moving business by the end of XXXX I was homeless if someone stole my identity and no one in the county did anything cuz it's the most corrupt county in the planet so I think we need to get the bottom of this then I'll let your boy embody your whole click

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 2025-10-31 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: TX

Complaint narrative:
THIS LATE PAYMENT ENTRY IS A CLEAR REPORTING ERROR.

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 2025-10-31 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: SC

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
On or about XX/XX/year>, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered multiple reporting errors and unverifiable information. 

Several collection and charge-off accounts are being reported inaccurately or duplicated across bureaus, including accounts from XXXX XXXX XXXX ( {$1700.00} ), XXXX XXXX XXXX XXXX ( {$850.00} ), and XXXX XXXX XXXX ( {$430.00} ). None of these furnishers have provided original source documentation to verify ownership or balance accuracy. 

In addition, closed credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are showing inconsistent balances and closure dates, which is inflating my credit utilization above 30 %. These incorrect balances are damaging my credit profile. 

My reports also contain incorrect personal information ( name variations and outdated addresses in GA and TX ) and multiple unauthorized or unverifiable inquiries from lenders such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

I previously requested verification and correction under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). However, the companies have failed to conduct a reasonable reinvestigation or provide documentation to support the information they are reporting.

I am requesting the CFPB to review these violations and ensure that all unverifiable, inaccurate, and inconsistent items are deleted or corrected, and that each bureau provides updated, accurate credit reports once their reinvestigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
On or about XX/XX/year>, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered multiple reporting errors and unverifiable information. 

Several collection and charge-off accounts are being reported inaccurately or duplicated across bureaus, including accounts from XXXX XXXX XXXX ( {$1700.00} ), XXXX XXXX XXXX XXXX ( {$850.00} ), and XXXX XXXX XXXX ( {$430.00} ). None of these furnishers have provided original source documentation to verify ownership or balance accuracy. 

In addition, closed credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are showing inconsistent balances and closure dates, which is inflating my credit utilization above 30 %. These incorrect balances are damaging my credit profile. 

My reports also contain incorrect personal information ( name variations and outdated addresses in GA and TX ) and multiple unauthorized or unverifiable inquiries from lenders such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

I previously requested verification and correction under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). However, the companies have failed to conduct a reasonable reinvestigation or provide documentation to support the information they are reporting.

I am requesting the CFPB to review these violations and ensure that all unverifiable, inaccurate, and inconsistent items are deleted or corrected, and that each bureau provides updated, accurate credit reports once their reinvestigation is complete.

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