vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: FL

Complaint narrative:
This letter serves as a formal dispute and request for validation of the debt you allege I owe, as listed below, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Date Opened : XX/XX/XXXX Status : Collection Account Balance : {$990.00} ( as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX I have no record or knowledge of any legally enforceable debt owed to your company or any entity you represent. Therefore, under federal law, I am requesting that you validate this alleged debt by providing the following within 30 days of receipt of this notice : The name and address of the original creditor. 

A copy of the original signed contract or agreement bearing my signature. 

An itemized statement of the account showing how the alleged balance of {$990.00} was calculated. 

Proof that you are legally authorized to collect on behalf of the original creditor or that the debt was legally assigned or sold to your company. 

A copy of your debt collection license for my state, proving you are permitted to collect debts here. 

Until this information is provided and verified, you are required to cease all collection activities, including reporting or updating this account with any credit reporting agency. Continuing to report unverifiable information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

If you fail to validate this alleged debt within the legally required timeframe, or if you continue to report this account without proper verification, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for violations of federal law. 

Please respond to this dispute in writing within 30 days of receipt. If you can not fully validate this account, you must immediately remove all references to it from any credit reporting agencies and cease all contact with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EXCEL FINANCE COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> SUBJECT : FORMAL CEASE AND DESIST DEMAND UNDER 15 U.S.C. 1692c To : Excel Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX This letter is sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ). I am requesting that you immediately cease all communication with me concerning the above-referenced alleged debt.

You are hereby notified to cease and desist from any further contact with me regarding this account. This includes, but is not limited to, phone calls, letters, emails, or any form of communication to collect or discuss the debt. This notice is effective upon your receipt of this letter.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you may only contact me to inform me that collection efforts are being terminated, or to notify me of specific legal remedies you intend to pursue. Any attempt to communicate beyond these exceptions may be considered a violation of federal law.

If you continue to contact me after this notice, I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I will also consider taking civil action for violations of my rights under the FDCPA. 

Please govern yourselves accordingly. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

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 2025-10-23 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: WV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I found that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history, resulting in an incomplete and misleading portrayal of my financial responsibility. Therefore, I am submitting this third-round dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., formally requesting a comprehensive and immediate reinvestigation of all disputed items. The specific accounts in question include 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 both showing XXXX balances. These accounts require thorough verification, correction, or removal if the information can not be substantiated.

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 2025-10-23 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 submitting this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy of my credit file, failure to conduct a lawful reinvestigation of my disputes, and failure to provide the full method of verification as required under 15 U.S.C. 1681e ( b ), 1681i, and 1681g.

I recently obtained my credit reports from XXXX and discovered several inaccurate and unverifiable entries in both the personal information and tradeline sections. I submitted a formal written dispute to each credit bureau that included a detailed list of errors, supporting documents, and proof of identity. Despite this, the bureaus failed to conduct a complete and reasonable reinvestigation as required by law. 

Summary of Disputed Information Incorrect Personal Information : Previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect or Unverifiable Accounts : XXXX XXXX Charge Off XXXX Charge Off ( XXXX entries ) XXXX XXXXXXXX XXXX XXXXXXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX Closed/Paid ) XXXX XXXX Late Payment ( Closed/Paid ) These accounts contain inaccurate or unverifiable reporting details including account status, balance, payment history, remarks, and open dates. Under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be deleted from the consumers credit file.

Violations by the Credit Bureaus 15 U.S.C. 1681e ( b ) The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy of my credit report.

15 U.S.C. 1681i ( a ) ( 1 ) The credit bureaus did not conduct a reasonable, good-faith reinvestigation of my disputes.

15 U.S.C. 1681i ( a ) ( 7 ) The credit bureaus did not provide me with the method of verification for the disputed information, including documentation or the names of entities contacted.

15 U.S.C. 1681g The credit bureaus failed to provide full consumer file disclosures that accurately reflect all information, inquiries, and certifications associated with my credit 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 2025-10-23 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: MI

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy of my credit file, failure to conduct a lawful reinvestigation of my disputes, and failure to provide the full method of verification as required under 15 U.S.C. 1681e ( b ), 1681i, and 1681g.

I recently obtained my credit reports from XXXX and discovered several inaccurate and unverifiable entries in both the personal information and tradeline sections. I submitted a formal written dispute to each credit bureau that included a detailed list of errors, supporting documents, and proof of identity. Despite this, the bureaus failed to conduct a complete and reasonable reinvestigation as required by law. 

Summary of Disputed Information Incorrect Personal Information : Previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect or Unverifiable Accounts : XXXX XXXX Charge Off XXXX Charge Off ( XXXX entries ) XXXX XXXXXXXX XXXX XXXXXXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX Closed/Paid ) XXXX XXXX Late Payment ( Closed/Paid ) These accounts contain inaccurate or unverifiable reporting details including account status, balance, payment history, remarks, and open dates. Under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be deleted from the consumers credit file.

Violations by the Credit Bureaus 15 U.S.C. 1681e ( b ) The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy of my credit report.

15 U.S.C. 1681i ( a ) ( 1 ) The credit bureaus did not conduct a reasonable, good-faith reinvestigation of my disputes.

15 U.S.C. 1681i ( a ) ( 7 ) The credit bureaus did not provide me with the method of verification for the disputed information, including documentation or the names of entities contacted.

15 U.S.C. 1681g The credit bureaus failed to provide full consumer file disclosures that accurately reflect all information, inquiries, and certifications associated with my credit 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 non-monetary relief
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to file a formal compliant about how I was treated by Wells Fargo. I was accused of bank fraud in relation to a suspicious check deposit into my account. I completely deny this accusation. I did not authorize or have any knowledge of this transaction. I never worked for the company named on the check, never heard of the company and never endorsed the check they in custody. Despite my attempts to explain, Wells Fargo refused to listen, and closed my account. After a seven day, I was told to come to the bank and received my money and not to ever come to a Wells Fargo bank again. Crucially just a few days after my account was closed, I received a notification that my personal information had been breached. This confirm that I was a victim of identity theft yet Wells Fargo treated me like a criminal. As a direct result of Wells Fargo action, I have now discovered I am XXXX listed from the XXXX network, effective at all financial institutions. I have never had a XXXX account it is unacceptable that Wells Fargo is still punishing me for something I had nothing to do with. It is also unfair that Wells Fargo is preventing from using a services that my current bank has available for me to use for business.

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 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I have already paid my final bill of {$30.00}, and I am attaching : A copy of my legitimate XXXX bill and payment receipt, and The incorrect bill has been sent for {$790.00} and reported to my credit report Please investigate this matter and remove the incorrect charges from my record. Kindly confirm once the issue is resolved and that no collections activity will continue on this 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 2025-10-23 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: NV

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Data Breach XXXX Date of inquiry : XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

2. Data Breach XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

3. Data Breach XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

4. Data Breach XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

5. Data Breach XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

6. Data Breach XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

7. Data Breach XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report. 

8. Data Breach XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of a recent date breach, and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$1600.00} XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$18000.00} XXXX XXXX # XXXX XXXX Opened XX/XX/XXXX -Balance {$150.00} XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$480.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$6700.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$18000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-10-23 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) to report Experians continued non-compliance and failure to resolve my repeated disputes regarding unauthorized inquiries on my credit file. Despite my prior letters and the supporting documentation I provided, including my verified FTC Identity Theft Report No. XXXX, Experian has not fulfilled its duty under the Fair Credit Reporting Act ( FCRA ) to investigate and remove inaccurate and fraudulent information. This ongoing inaction has caused harm to my credit profile, emotional distress, and unnecessary frustration, as my identity theft case has already been substantiated. 

XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: DC

Complaint narrative:
Cash appp fees and other fees that are not of my knowledge

Company response to consumer: Closed with explanation