vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
This account is being reported inaccurately and without proper documentation, in violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Additionally, I assert that [ Creditor Name ] violated applicable state consumer protection laws and the Uniform Commercial Code ( UCC ) when repossessing my vehicle. Specifically : The creditor failed to provide a required notice of default or rights to cure prior to repossession, depriving me of the opportunity to bring the account current as required under state law. 

After repossession, I was never provided with a notice of sale or a deficiency balance as required by XXXX XXXX and XXXX, preventing me from redeeming the vehicle or understanding the amount allegedly owed. 

The account is being reported inaccurately and without proper verification to the credit bureaus. 

Because of these failures, I respectfully demand that you : Conduct a full investigation as required under the Fair Credit Reporting Act. 

Obtain and provide me with documentation from the creditor verifying the accuracy and completeness of this account. 

If the creditor is unable to provide proper documentation, or if your investigation confirms these violations, immediately delete this account from my credit file. 

Please complete your investigation within 30 days as required by law and send me written confirmation of the outcome, along with an updated copy of my credit report. 

Attached, please find a copy of my identification and proof of address, as well as a copy of my credit report highlighting the disputed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that appears on my credit report, listed by Columbia Debt Recovery in the amount of {$10000.00}. I am the victim of identity theft and did not open or authorize any rental agreement or debt related to this account. 

This collection account is being reported without my knowledge or consent and is the direct result of fraudulent activity committed using my personal information. I have never had any dealings with Columbia Debt Recovery and have no knowledge of the origin of this alleged debt.

I have taken the following actions : Filed an identity theft report with the appropriate authorities.

Submitted an Identity Theft Affidavit to credit bureaus.

Initiated disputes with the credit reporting agencies.

Contacted Columbia Debt Recovery with no valid resolution provided.

I am requesting the CFPB to assist in having this fraudulent account deleted from my credit reports and instruct Columbia Debt Recovery to cease all collection activity and reporting in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B and the Fair Debt Collection Practices Act ( FDCPA ).

This account is damaging my credit and causing undue financial and emotional stress for a debt I do not owe and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
i have an RV loan through Bank Of America. I always pay extra on my loans which was fine until last XXXX they changed the rules. You cant pay extra or you will get too far ahead and then it shows you as late. They have charged me late fees for multiple months. I have called them 4 times to say i am paying extra. They said to split the payments into two payments. One for the loan amount and one for principle payment. now they are charging me for principle and interest on my extra payment of {$530.00} a month and charging me straight interest on the actual payment of {$460.00}. This is criminal and theft! no other way to sell this. They are stealing from people. What a great way to make extra money .. most people wont even notice that they are applying it all to interest.

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 2025-07-22 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: OH

Complaint narrative:
Im writing to dispute several accounts currently listed on my Experian credit report. These accounts contain inaccurate, inconsistent, or misleading information, and Im requesting a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX / XXXX Account # : XXXX Shows a charge-off but with a {$0.00} balance, which doesnt make sense Comments say it was purchased by another lender, but Ive never been contacted or sent proof Equifax isnt reporting this account at all, which suggests an error or inconsistency XXXX. XXXX XXXX XXXX XXXXXXXX Account # : XXXX This account is closed but still shows a balance and past-due amount It was marked as dispute resolved, but I was never provided any explanation or documents XXXX. XXXX XXXX Account # : XXXX Shows as a charge-off but with a {$0.00} balance which is misleading Its marked consumer disagrees, but no fair investigation has ever taken place Ive received XXXX documentation to explain or validate this debt XXXX. XXXX XXXXXXXX Account # : XXXX Another entry with a charge-off status and {$0.00} balance again, contradictory Same language : investigation complete consumer disagrees, but no real validation was ever done XXXX. XXXX / XXXX ( Duplicate Entry ) Account # : XXXX This appears to be a duplicate of the FETTI/Fingerhut account same data, different label Reports a charge-off with a {$0.00} balance Different bureaus show different info dates, payments, and comments dont match

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 2025-07-22 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: WA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The accounts are not valid. I have not had any of the accounts on the XXXX report. I have contacted them and they never responded either the validity of the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$47000.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XX/XX/XXXXDate : XX/XX/XXXX XXXX OF XXXX Date : 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 2025-07-22 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: CA

Complaint narrative:
Ive been a Wells Fargo customer for years. I was charged multiple overdraft fees that I believe are unfair and avoidable XXXX or XXXX fees at {$35.00} each, totaling nearly {$470.00}. I already had one refunded in XXXX and had requested overdraft protection be turned off. My account has been overdrawn since XX/XX/XXXX, and I can not afford these charges. 

On top of that, Wells Fargo allowed a pending charge from XXXX XXXX on XX/XX/XXXX that led to an additional {$29.00} fee. I dont believe I should be responsible for that. 

Ive spent over an hour on the phone ( while recording on my end-notifying them each time I was transferred ) and been bounced around to multiple departments with no resolution. I was clear that I wanted overdraft protection removed. Now, I simply want to pay the {$24.00} I actually owe for a purchase, close my account, and walk away. Ive stated Im willing to waive the {$5.00} car payment issue just to be done with it.

I can not afford to send a certified letter or pay these fees. I want Wells Fargo to resolve this reasonably.

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 2025-07-22 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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