vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am reporting Absolute Resolutions Investments , XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, for attempting to collect a consumer debt from me in Florida through active litigation despite not being registered as a consumer collection agency in this state, as required under Florida Statute XXXX. 

I am currently a defendant in a pending case in XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, where Absolute Resolutions is suing me for {$29000.00} related to a XXXX XXXX XXXX XXXX account XXXX They are represented by XXXX XXXX XXXX XXXX ( XXXX ). 

I have disputed the debt, revoked consent to share my information, and requested validation. They have failed to prove legal ownership of the debt, only providing billing statements and a generic contract stating the debt may be assigned but no assignment or ownership proof. They are also reporting this debt on my credit. 

After checking the Florida XXXX XXXX XXXX XXXX database, I confirmed that Absolute Resolutions is not registered to collect debts in the state of Florida. They are violating Florida XXXX. XXXX by attempting to collect without being registered. They should not be allowed to sue or report to credit bureaus while unlicensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations 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 non-monetary relief
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
I am asking that there be some sort of accountability from the credit bureau for reporting this inaccurate information on my credit report. I've questioned the accounts on my credit report and I am requesting that the credit bureau effectively request the proper documentation opposed to receiving a generic answer supplying a verified confirmation opposed to looking over the proper documents in order for these accounts to report. I have no idea why the information is different amongst credit reports and this is unfair to me as a consumer. I am requesting the CFPB hold you accountable for the lacking supporting documents to represent my concerns. I'm about to be very specific. I am not stating that these accounts do not belong to me so do not state " we verified this account belongs to you. '' I have specific concerns about these accounts. Here are my concerns : XXXX XXXX XXXX | XXXX : Creditor did not have permission. Delete the inquiry. 
XXXX  : Account number : XXXX, The late payments are consecutively reporting incorrectly. Update the late payments to paid on time. 
XXXX  XXXX : Account number : XXXX, The late payments are consecutively reporting incorrectly. Update the late payments to paid on time. 
XXXX  XXXX : Account number : XXXX, The reported balance is inaccurate. Provide the proper documentation validating this account reporting. without proper documentation it must be deleted. 
XXXX XXXX XXXX : Creditor did not have permission. Delete this inquiry immediately.

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 2025-07-05 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is 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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I used my Chase debit card through XXXX guest checkout to pay {$100.00} for an XXXX XXXX TV from a website I believed to be XXXX : wrnaseswght.shop. The site copied XXXX design and branding to appear legitimate.

After completing the payment, I received a confirmation page but I now believe it was fake and auto-generated by the scam website. I never received a real shipping update, tracking number, or the product itself. The site is widely reported online as fraudulent, and it impersonates a real company.

I contacted Chase to report that I had been scammed that I authorized a payment to what I believed was a legitimate business, but it was actually a fraudulent merchant who never delivered anything. I was told Chase could not help because I authorized the payment.

However, this is a case of non-receipt of goods from a deceptive and fraudulent merchant, which qualifies for protection under Regulation E. While I authorized the transaction, I was tricked into doing so by a scam website. 

Important note : My XXXX account was already blocked long before this, so I paid as a guest, and the funds were drawn directly from my Chase debit card, not a XXXX balance. 

Amount charged : {$100.00} Date of transaction : XX/XX/year> Merchant : wrnaseswght.shop Payment method : Chase debit card via XXXX ( guest checkout ) Actions taken : Contacted Chase ( denied help )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Dear CFPB, I am filing this complaint against Equifax due to their failure to remove inaccurate personal information, unverifiable payment history, and unauthorized hard inquiries from my credit report. Despite submitting a formal dispute, Equifax has failed to conduct a proper reinvestigation and continues to violate my rights under the Fair Credit Reporting Act ( FCRA ), including 1681i ( a ), 1681e ( b ), and 604.

1. Reporting of Incorrect Address Equifax is reporting the following address that has never been associated with me : XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address, never used it in any credit application, and did not authorize its inclusion on my file. This is a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

2. Inaccurate Late Payment XXXX Equifax is reporting a late payment on : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX  Balance Owed : {$550.00} XXXX XXXX I dispute this late payment entry, as I was never informed of any delinquency, and the creditor failed to provide notice or validation of this derogatory entry. This violates FCRA 1681i ( a ), which mandates credit bureaus to remove unverifiable or inaccurate data if the furnisher can not validate the information with supporting documentation. 

3. Unauthorized Hard Inquiries No Permissible Purpose Equifax is reporting multiple hard inquiries from companies I have never applied for credit with and never authorized to access my credit report. These inquiries are as follows : 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  Under FCRA 604, a consumer reporting agency may only release a consumers credit file if there is a permissible purpose and proper authorization. These inquiries were conducted without my knowledge or consent and have negatively impacted my credit score and financial credibility. 

Relief Requested I respectfully request that the CFPB initiate an investigation into Equifax 's continued noncompliance with the FCRA and compel the following corrective actions : Immediate deletion of the inaccurate address Deletion of the unverifiable XXXX late payment Deletion of all unauthorized hard inquiries listed above A written explanation and disclosure of the reinvestigation process used for each disputed item Equifaxs actions have harmed my credit profile and represent a breach of federal consumer protection law. I appreciate your assistance in holding them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I filed a complaint against Wells Fargo as to why they were holding my wire in the amount of {>= $1,000,000}. I filed this complaint with you. Complaint Number : XXXX. Wells Fargo replied through a woman named XXXX, that said because I was not a Wells Fargo client, I had to go back to the originating bank. I called the originating bank on Thursday, XX/XX/year>, after a useless placating phone conversation with this woman XXXX. The originating Bank, ( wire is attached ) emphatically stated that they were not in receipt of the funds, that in-fact the wire left there on XX/XX/year> and was never returned to them. On XX/XX/year>, I received a letter from XXXX at Wells Fargo Bank ( attached ) stating the same as the conversation that I already had. Well in fact, I am not a client of Wells Fargo but XXXX XXXX XXXX XXXX is and the wire was sent through to Wells Fargo as directed by XXXX XXXX 's Contract with Wells Fargo! ( See attached document ). Now because Wells Fargo replied to you, CFPB closed the case. This is ridiculous as there has been no resolution. I want CFPB to do more than just pass my compliant to Wells Fargo without a release of my funds. This is my third filing. All documents attached to previous XXXX filings.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was in the XXXX data breach where my information was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I was in the XXXX data breach where my information was leaked.

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 2025-07-05 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-05 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Cease and Desist Request for Removal of Unauthorized or Excessive Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and request the removal of 74 inquiries & 3 hard inquiries currently appearing on my credit report. These inquiries are either unauthorized, excessive, or were not initiated with my consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to FCRA 1681b ( c ), no entity may obtain a consumer report or initiate a hard inquiry unless it is done with the consumers explicit authorization and for a permissible purpose such as a credit application, rental agreement, or other valid transaction. I have not authorized such a high number of hard inquiries, and many of these entries have appeared without my knowledge, consent, or legitimate business purpose. As a result, I am formally demanding that you : 1. Cease and desist from further sharing or distributing my consumer report without my explicit written consent. 2. Immediately remove all unauthorized or excessive hard inquiries from my credit report. 3. Provide me with a detailed list of each entity that requested access to my credit file, including the purpose of the inquiry, the date, and a copy of any documentation you have on file showing my consent. 4. Confirm that you have completed this action in writing within 30 days, as required under federal law. These inquiries are negatively impacting my credit score and misrepresent my financial behavior. Failure to remove unauthorized inquiries or respond within the legal timeframe may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for willful noncompliance with FCRA obligations. This letter is sent via certified mail with return receipt requested to maintain a documented record of this dispute and request. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these unauthorized inquiries within 30 days. Sincerely, 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 2025-07-05 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: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
I discovered a collection account from a company named ConServe, referencing an alleged debt from XXXX XXXX XXXX. I do not recognize authorizing or validating this debt. The account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : No Date of First Delinquency listed, violating FCRA 605 ( c ) ( 1 ).

Account number is incomplete, violating FCRA 609 ( a ) ( XXXX ). 

Account not flagged as disputed despite previous disputes, violating FCRA 1681i ( a ) ( 5 ) ( A ).

A balance continues to report as past due despite there being no billing/payment arrangement, violating FCRA 1681e ( b ).

No debt validation was provided upon request, violating FDCPA 1692g ( b ). 

I was never notified of my consumer rights, violating FDCPA 1692g ( a ).

I have no record of initiating this debt, and the reporting contains false, incomplete, or unverifiable data. I am requesting that this be thoroughly investigated, validated, and removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/year> I submitted a written request for debt validation to Midland Credit Management under the Fair Debt Collection Practices Act ( FDCPA 809 ). I requested a signed agreement and a full account history showing how the balance came to exceed the credit limit by more than 100 %. 

On XX/XX/year>, I received a response from XXXX that failed to provide either the signed contract or a full transaction history. They sent only two monthly statements, which show less than {$52.00} in late fees and interest. This is not proper validation. 

Despite their failure to validate the debt, Midland continues to report the account to the credit bureaus and has not corrected or removed the inaccurate balance. I also submitted a dispute with XXXX and no sufficient verification has been provided. 

This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this unvalidated and inaccurate account from all credit reporting and that Midland cease all collection efforts until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
About XXXX weeks ago my pnc account had a hold placed on it do to a XXXX transfer being made thru it and when the {$800.00} XXXX came in to my account I had transferred it to another XXXX account witch it was cleared good then a {$500.00} transfer came into my pnc account same day and I had went past my limit of transfers for that day because my pay check had came in that day as well and so I sent the {$500.00} XXXX to another XXXX account witch went thru well a few days after all this I had deposited {$450.00} from my XXXX XXXX  account to my pnc to find out that my account had a hold on it due to fraud and then my whole pay check had been direct deposited in to that same pnc account and was later taken because I was told that the people that sent the {$800.00} and {$500.00} XXXX had asked for refunds on both without my knowing and now I'm being made to pay for it pnc closed my account and send me a message every day saying that I still owe almost {$600.00} to them witch do to this happening the financial crisis I've been put into has been horrible I've lost my home I've lost my car and now my job because of all this and it's not right that this people I found out that are in prison the ones that had sent the {$800.00} and {$500.00} XXXX just to turn around and ask for a refund this has ruined my entire life and I workedhard for my money and I know it was unlawfully taken from me and I deserve my money back thank u can u please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation