vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXXXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am disputing an account being reported by LVNV Funding that originated from XXXX XXXX XXXX The account is marked as charged off and/or sold, yet it continues to be reported as if it is active. This misrepresents its current legal status and violates the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting inaccurate or incomplete information. 

Additionally, under FCRA XXXX ( a ) ( XXXX ) - ( XXXX ), accounts that have been charged off, sold, or are older than XXXX years must not continue to be reported beyond the permissible timeframe. LVNV Funding is inaccurately furnishing derogatory data that does not reflect the true status of the debt, creating harm to my credit profile. I am requesting immediate deletion of this account from all credit reporting agencies and an investigation by the CFPB into this FCRA violation. Supporting documentation has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I had been alerted by XXXX XXXX that there was a hard inquiry that was added to my account. When I went to look, it was from Capital One. I called them immediately and they agreed that it had been done " online for a platinum card ''. They cancelled the application and recommended that i contact each credit reporting company. I did and each have since removed the inquiry, however, experian suggested that I reach out to you guys and relay the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-07-02 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: CA

Complaint narrative:
XXXX XXXX XXXX ~ from my profile this is identity theft someone stole my information and used it to open a This is identity theft someone stole my information and used it to open an account XXXX XXXX failed to submit competent evidence that I am not a victim of identity, death and that someone did not steal my identity. Thereforeremove this immediately I did not open this account. This is identity, theft The account named portfolio recovery 1681C 2. FCRA. block of information resulting from identity theft. Section 8, except as otherwise provided in this section a consumer reported agency shall block the reporting of any information in the file of a consumer that the consumer identifies as identity theft Not later than XXXX business days after the date of the receipt of such agency of identity theft.gov. XXXX XXXX  is committing fraud by simply putting this on my Credit profile, and stating that I am responsible for this debt, but failed to show any supporting documents that my identity was not stolen. Im also requesting Trans Union special handling department be put under investigation for fraudulent activity.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Wells Fargo for failing to properly handle a chargeback dispute under the protections afforded by the Fair Credit Billing Act ( FCBA ). 

I purchased a round-trip flight through XXXX XXXX and was fraudulently denied boarding for a segment of that flight, despite arriving at the gate on time. I submitted a dispute to Wells Fargo, asserting my right to a chargeback for services not rendered a protection clearly provided under the FCBA.

Wells Fargo has dismissed my claim, stating it does not fall under fraud protection. However, I am not disputing the charge solely on the basis of fraud. Rather, my dispute is based on the fact that the airline failed to provide the service I paid for a legitimate reason for a chargeback under the FCBA. Fraud in this context serves as supporting evidence that the service was not rendered as agreed.

Despite providing evidence that I was present at the gate in time, Wells Fargo representatives have repeatedly sidestepped my concerns and failed to engage with the substance of my complaint. This neglect not only undermines my rights as a consumer but also allows XXXX XXXX to retain payment for a service it did not deliver. 

I am requesting that the CFPB review this matter and ensure that Wells Fargo is held accountable for complying with FCBA regulations and protecting consumers from unfair or deceptive practices.

Thank you for your attention to this matter.

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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I recently received a collection notice from XXXX XXXX XXXX XXXX attempting to collect a debt in the amount of {$1100.00}, originally associated with First National Bank of Omaha. At the same time, this same debt is being reported on my credit report by XXXX XXXX XXXX for {$1100.00}. 

This means XXXX separate entities are attempting to collect on the same debt, and I have not been provided with any clear documentation establishing which company, if any, has the legal right to collect on this account. 

I have previously disputed this item with the credit bureaus, and it is now marked as Disputed by consumer. However, it remains on my credit report and continues to negatively affect my XXXX XXXX. 

Neither XXXX XXXX XXXX XXXX nor Absolute Resolutions Investment has provided me with the required debt validation, including : A signed agreement with the original creditor A full breakdown or itemization of the debt Proof of assignment or legal ownership of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached documents related to my dispute. 

The personal information listed in my credit report is inaccurate and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to add a statement to my consumer file disputing the accuracy or completeness of the information being reported. 

I am formally requesting that the inaccurate information be investigated and corrected or removed as appropriate. Please review the supporting documentation I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent written proof on numerous occasions demonstrating that bankruptcy is unverifiable. This company still breaks the law by continuing to report this unverifiable 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 non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea XXXX, XXXX XXXX you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( XXXX XXXX. XXXX ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXX chapter XXXX XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OK

Complaint narrative:
About 2 weeks ago I made a purchase a {$1.00} purchase to view a listing of homes rental homes rent company through rental company and they charge me from {$1.00} it went to three charges of a dollar one dollar payment and a {$12.00} payment charge so I tried to cancel it through cash out support it was still pending so they had to wait for it to complete transaction to complete in order for them to help me get my refund the merchant refunded it but it was an incomplete refund so it got refunded and then took back I'm trying to understand that and put me into a negative balance which I don't understand that cash out don't allow you to go into a negative balance never seen it to I was I got paid through another person and that money was not even deposited on to there and it's showing the {$40.00} was received and it was complete and received but I got a balance of {$29.00} and I'll try to tell me that I had a negative about it how is that we're not supposed to be getting refunded I feel that they're allowing other companies to take our money and not up and not refunding it back we we have a protection against our money then our first they get took it from us unlawfully and I won't mind back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
Some accounts listed on my credit report are unfamiliar and were never authorized by me, indicating potential identity theft. Ive previously contacted you about this, and Im now asking for these accounts to be removed from my report immediately. This issue has been very stressful, as the accounts dont accurately reflect my credit usage or financial behavior. Its been a difficult situation, and I am prepared to pursue legal remedies to address it. These errors are significantly affecting my financial goals, including buying a house and supporting my family. I trust we can resolve this swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

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. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$180.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of all negative items that appear on my credit report as a result of identity theft, in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft. 

I believe the following negative items do not belong to me and are the result of fraudulent activity or misreporting : All negative entries, including collections, charge-offs, late payments, and accounts not initiated or authorized by me. 

Under 15 U.S.C. 1681c-2, I am exercising my right to have these items blocked from my credit report. Attached you will find the following documentation as required under this law : A copy of a valid government-issued photo ID Proof of residence ( utility bill, lease, or bank statement ) A copy of a police report or identity theft report filed with a law enforcement agency or the FTC Please conduct an investigation and block the reporting of the aforementioned items as mandated by federal law. I expect written confirmation that these entries have been removed from my file within the time allowed by law. 

If you require any additional documentation or information from me, please contact me at the information provided above. Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-02 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:
To Whom It May Concern, I am writing to formally dispute and request the removal of all negative items that appear on my credit report as a result of identity theft, in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft. 

I believe the following negative items do not belong to me and are the result of fraudulent activity or misreporting : All negative entries, including collections, charge-offs, late payments, and accounts not initiated or authorized by me. 

Under 15 U.S.C. 1681c-2, I am exercising my right to have these items blocked from my credit report. Attached you will find the following documentation as required under this law : A copy of a valid government-issued photo ID Proof of residence ( utility bill, lease, or bank statement ) A copy of a police report or identity theft report filed with a law enforcement agency or the FTC Please conduct an investigation and block the reporting of the aforementioned items as mandated by federal law. I expect written confirmation that these entries have been removed from my file within the time allowed by law. 

If you require any additional documentation or information from me, please contact me at the information provided above. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-02 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: TN

Complaint narrative:
XXXXXXXX XXXX is reporting that I was 30+ days late on my mortgage payment. I have never been late. On XX/XX/year>, I learned that XXXXXXXX XXXX had increased my payment as a result of an escrow analysis. The old payment amount was {$2000.00} and the new payment would be $ XXXXImmediately upon getting this information, I contacted them by telephone. I adjusted future payments effective XX/XX/year> to the new amount and maid a payment of {$130.00} to bring me up to date. I asked the representative to remove the derogatory information from my credit file and was told to email XXXX. I sent the email on XX/XX/XXXX. On XX/XX/XXXX I received a response that indicated they would need up to 30 days to respond. To date I have received no correspondence. I called them directly again today, XX/XX/year> and the representative couldn't help me. 

XXXXXXXX XXXX  is reporting that I am 30 days late on my payments. I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX  is reporting that I was 30+ days late on my mortgage payment. I have never been late. On XX/XX/year>, I learned that XXXXXXXX XXXX had increased my payment as a result of an escrow analysis. The old payment amount was {$2000.00} and the new payment would be XXXX XXXX.Immediately upon getting this information, I contacted them by telephone. I adjusted future payments effective XX/XX/year> to the new amount and maid a payment of {$130.00} to bring me up to date. I asked the representative to remove the derogatory information from my credit file and was told to email XXXX. I sent the email on XX/XX/XXXX. On XX/XX/XXXX I received a response that indicated they would need up to 30 days to respond. To date I have received no correspondence. I called them directly again today, XX/XX/year> and the representative couldn't help me. 

XXXXXXXX XXXX is reporting that I am 30 days late on my payments. I have never missed a payment.

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