vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple hard inquiries on my credit file that I never authorized. These inquiries are from XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX  on XX/XX/year>, and XXXX XXXX  on XX/XX/year>. I have never applied for credit, loans, or any other services with these companies, nor did I provide written or electronic consent for them to access my credit report. These entries are not only inaccurate but are also lowering my credit score and creating a misleading impression of my credit activity.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required by Section 1681e ( b ) to follow reasonable procedures to ensure the maximum possible accuracy of all information they include in a consumers credit file. Section 1681b makes it clear that a credit inquiry can only be made if there is a permissible purpose and the consumer has given explicit authorization. Since I have no relationship or financial activity with these companies, there is no permissible purpose for these inquiries, and they should not appear on my credit report. 
I previously disputed these inquiries with Equifax under Section 1681i, which gives me the right to request a reinvestigation. The FCRA requires that if Equifax can not verify these inquiries with actual documentation of my authorization, they must delete them within 30 days. Instead of removing these unverifiable inquiries, Equifax continues to report them, violating my rights and federal law.

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs reporting practices and require them to provide written proof of my consent for each of these inquiries or delete them immediately. If no such proof exists, Equifax should be compelled to correct my credit report, remove the false entries, and provide me with a clean copy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
On XX/XX/year>, I received a letter stating my dispute was under investigation. The online portal showed it " closed '' on the same day. Then all of a sudden it showed as completed on XX/XX/year> the system marked it " completed '', but I was never sent the required/resolution denial letter I should have received by law. As I haven't received any of them. 

Despite this, the company continued daily collection attempts. Sending emails and text messages for payments. On XX/XX/year>, Experian reported me 30 days late for the first time in over a year, while my dispute was unresolved. 

This violates the Fair credit Billing Act ( FCBA ), which prohibits reporting delinquency or collecting while a dispute is pending. I request immediate removal of the XX/XX/XXXX deceitful and law breaking late mark while under dispute. Also a correction on report.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am filing this formal complaint because Experian is reporting false, contradictory, and harmful information on my credit report regarding the account of XXXX XXXX XXXX XXXX These errors are causing me serious harm in my personal life, my financial stability, and my familys opportunities. 

Reason for My Complaint The XXXX XXXX XXXX account reflects multiple inaccurate errors in my credit report. Based on the documents I will present as evidence : The account is marked as Closed, yet at the same time reported as Collection/Chargeoff. 

It shows a balance of {$2700.00} along with a derogatory status. 

This information is contradictory, inaccurate, and unverifiable.

This constitutes a clear violation of the law : Violations of 15 USC 1681s-2 for reporting inaccurate and unverifiable information. 

These contradictions are misleading, unlawful, and damaging. 

Requested Action : DELETE FROM MY CREDIT REPORT. 

Impact on My Life Each time a lender, landlord, or employer reviews my credit history, these false and contradictory entries damage my credibility and prevent me from accessing legitimate opportunities. I am being harmed by information that the law itself requires to be deleted. 
Laws That Protect Me ( and That Experian Must Follow ) FCRA 1681i and 1681s-2 : Require correction or deletion of inaccurate or unverifiable information.

FCRA 1681e ( b ) : Requires maximum possible accuracy in reporting.

GLBA 6802 and FCRA 1681b : Protect my privacy and require a valid permissible purpose to share my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I submitted a dispute to 3 Credit Bureaus under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate entries on my credit report. I provided comprehensive supporting documentation, including FTC Report # XXXX, to demonstrate that these items are erroneous and do not belong to me. Despite this, 3 Credit Bureaus failed to conduct a timely or adequate reinvestigation within the required 30-day period. The following items remain unresolved on my credit report : Charge-off accounts : XXXX XXXX XXXX Balance : {$420.00} ; XXXX  Balance : {$7500.00} Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} Unauthorized inquiries : 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 2025-08-26 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: AR

Complaint narrative:
I submitted a dispute to 3 Credit Bureaus under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate entries on my credit report. I provided comprehensive supporting documentation, including FTC Report # XXXX, to demonstrate that these items are erroneous and do not belong to me. Despite this, 3 Credit Bureaus failed to conduct a timely or adequate reinvestigation within the required 30-day period. The following items remain unresolved on my credit report : Charge-off accounts : XXXX XXXX XXXX Balance : {$420.00} ; XXXX  Balance : {$7500.00} Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MI

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> -Balance {$0.00}

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK

Complaint narrative:
Discovers actions in this case represent unfair and deceptive practices that undermine the rights of foreign account holders. 

Timeline of Events XX/XX/year> : I attempted to initiate an international wire transfer via the Discover mobile application. The application rejected the request, stating that I could not proceed without a U.S.-issued ID. I only possess my home countrys passport and a valid XXXX XXXX 

XX/XX/year> : I called Discovers wire transfer specialists. I was told explicitly that if I did not have a U.S.-issued ID, I could complete the transfer by submitting a paper wire transfer form together with a Notarized ID verification. 

Following this instruction, I paid {$25.00} for an online Notary service, completed the notarization, and submitted the required paper form. Shortly thereafter, Discover informed me that they do not accept online notarization and insisted on in-person notarization, but promised to waive the next wire fee. 

I complied again, obtained an in-person Notary ID Verification, and resubmitted the paperwork. At this stage, Discovers phone representatives informed me that I still must provide a U.S.-issued ID in order to complete the wire transfer contradicting all prior instructions. 


Issues Identified Contradictory Requirements : Discover initially stated that paper applications with notarization are the proper alternative for non-U.S. ID holders. After I complied, they reversed course and demanded U.S.-issued ID only. 

Process Lacks Transparency : Each new requirement was revealed only after I had fulfilled the previous one ( piecemeal disclosure ), wasting significant time and money. 

Discriminatory Impact : The banks position effectively blocks all foreign passport holders from executing international wire transfers, even though the Notary verification system was purportedly created for that very purpose. 

Customer Treatment : Representatives displayed dismissive and arrogant attitudes during calls, which worsened the frustration and suggested systemic disregard for foreign customers. 


Harm Suffered 1 ) Direct financial loss : {$30.00} Notary fee and {$6.00} related printing expenses.

2 ) Significant time wasted in complying with shifting requirements.

3 ) Denial of reasonable access to funds that I am legally entitled to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: GA

Complaint narrative:
They falsely reported a repossession when it was turned into the dealer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment entries on my accounts are in violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
This happened over 4 years ago but I'm just finding out what I could do. XXXX XXXX XXXX loaned me a little over {$11000.00} for a camper. I had to get on SSDI and couldn't pay for it. I brought it back to the place I bought it. Months later they said I owed them {$1600.00} after they sold it. It wasn't long and I was getting emails from Credit Bureau Systems XXXXXXXX XXXX XXXXXXXX XXXX Ky XXXX. They were not nice emails and he was going to sue me. I emailed him back and told him I'm on SSDI. After that he told me I owed him XXXX. {$300.00} more than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY Credit Bureau finally quit emailing me but both companies still put it on my credit report every month and it has hurt me Financially. I've got to try to find those emails

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
I can not believe that inaccurate accounts are still listed on my credit report this morning, and I am beyond frustrated. I checked my report as usual, and out of nowhere, discrepancies showed up. Even after refreshing my browser, the inaccurate accounts remained. This is unacceptable, and I demand that the documents Ive already sent be thoroughly checked so this matter is resolved once and for 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment entries on my accounts are in violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing Wells Fargos claim that they have no responsibility because the transaction occurred through XXXX XXXX. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ), Wells Fargo is responsible for unauthorized electronic fund transfers from my account. 


I was the victim of a fraudulent scam where criminals tricked me into sending money through XXXX XXXX, which is linked to my Wells Fargo account. I did not intend to authorize payment to the scammer the transfer was made due to fraud and deception, which makes it an unauthorized electronic funds transfer under Regulation E ( Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq. ; 12 C.F.R. 1005.2 ( m ) ).

Wells Fargo initially denied my dispute, claiming that since I clicked send, the transaction was authorized, and that they are not responsible because it went through XXXX XXXX. However, this is a misapplication of Regulation E, because fraud-induced transactions lack actual authority and remain unauthorized. The liability rests with the financial institution that holds my account, not the mobile wallet provider. 

I have filed a police report ( Report # XXXX XXXX, Deputy XXXX Badge # XXXX ) and documented this as a crime. I also have reference number XXXX with the CFPB. 

I am requesting the CFPB ensure Wells Fargo complies with Regulation E and makes my provisional credit permanent. I am also requesting this matter be referred to the Federal Trade Commission ( FTC ) because this was a criminal scam involving fraudulent inducement and deception, which goes beyond a simple banking error and falls under FTC jurisdiction as well.

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 2025-08-26 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The two credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2025-08-26 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: FL

Complaint narrative:
This letter is a formal notice regarding the inaccurate and unauthorized reporting of a collection account by XXXX XXXX XXXX on my TransUnion and Experian consumer report. 



I did not authorize, permit, or provide consent for TransUnion or Experian to furnish, share, or report this alleged account. Under 15 U.S. Code 1681a, a consumer report may only contain information furnished for lawful purposes. Furthermore, 15 U.S. Code 1681b clearly limits the permissible purposes under which a consumer reporting agency may furnish such information. Reporting this account without my authorization is not a permissible purpose and therefore constitutes a violation of federal law.

Additionally, under 15 U.S. Code 1681i, TransUnion and Experian is required to conduct a reasonable reinvestigation of any disputed item and delete any information found to be inaccurate or unverifiable within 30 days of receipt of this dispute.

If TransUnion or Experian fails to remove this inaccurate collection within the required timeframe, it will be considered willful noncompliance under 15 U.S. Code 1681n, subjecting TransUnion to statutory damages, punitive damages, and attorneys fees. Even negligent noncompliance, under 15 U.S. Code 1681o, entitles me to actual damages, costs, and attorneys fees.

Failure to comply within 30 days will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and, if necessary, the initiation of civil action against TransUnion and Experian for damages as provided under the Fair Credit Reporting Act.

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 2025-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DE

Complaint narrative:
Experian found that XXXX XXXX has complied with the fair credit act.They have not provided a contract between me and XXXX XXXX XXXX  or the original contract.They company can not provide no records that I did any business with this company at all no statements.I never made no payments or there is no contract with my signature on it.The never notified me of the debt I never did no business transactions with this company or the original company

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