vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been asking for bank statements for the duration of my account they would not comply and since 2019 I have not been able to see any actions taken on my account and the funds don't add up money was missing in my wells Fargo 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I have been receiving calls for my ex husband for over XXXX years we have been divorced since XXXX, each time I ask them to remove this number as I am remarried and this is not a good number for this individual. The one time I asked to be remove XXXX of XXXX, they just kept calling back to back as to annoy me which worked until my current husband got on the call and they didn't call back that day but every other day they called. I am writing this today as I got a call this morning asking for him and the gentleman went into to detail about a debt that is again not mine. I explained to him that I asked several years ago and a recent as XXXX of XXXX  XXXX  to remove my number. I then went on to explain that this person is now deceased as of 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 2025-10-29 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: PA

Complaint narrative:
This is a formal notice of non-compliance and intent to pursue legal action against Equifax Information Services LLC for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), 1681i ( a ) ( 7 ), and 1681no.

I have submitted multiple disputes concerning inaccurate and unverifiable information appearing on my Equifax credit report. Despite providing evidence and requesting verification of the alleged account ( s ), Equifax continues to report the same data as verified without producing any underlying documentation such as : a signed contract or agreement establishing liability, chain-of-title records showing ownership of the debt, or a complete response from the furnisher substantiating the accuracy of the tradeline.

Under FCRA 611 ( a ) ( 5 ), Equifax must delete or correct information that can not be verified. Under 611 ( a ) ( 7 ), Equifax must disclose the method of verification, including the name, address, and telephone number of the furnisher. To date, Equifax has failed to meet either requirement.

Equifaxs continued reporting of this unverifiable account constitutes willful and negligent non-compliance with the FCRA. I therefore demand : 1. Immediate deletion of all disputed, unverified information from my consumer file ; 2. Written disclosure of the complete method of verification, including the furnishers identity and documentation relied upon ; and 3. Confirmation within 15 days that Equifax has complied.

If Equifax fails to comply, I will pursue civil remedies under 15 U.S.C. 1681n and 1681o for statutory and actual damages, costs, and attorneys fees.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal notice of non-compliance and intent to pursue legal action against Equifax Information Services LLC for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), 1681i ( a ) ( 7 ), and 1681no.

I have submitted multiple disputes concerning inaccurate and unverifiable information appearing on my Equifax credit report. Despite providing evidence and requesting verification of the alleged account ( s ), Equifax continues to report the same data as verified without producing any underlying documentation such as : a signed contract or agreement establishing liability, chain-of-title records showing ownership of the debt, or a complete response from the furnisher substantiating the accuracy of the tradeline.

Under FCRA 611 ( a ) ( 5 ), Equifax must delete or correct information that can not be verified. Under 611 ( a ) ( 7 ), Equifax must disclose the method of verification, including the name, address, and telephone number of the furnisher. To date, Equifax has failed to meet either requirement.

Equifaxs continued reporting of this unverifiable account constitutes willful and negligent non-compliance with the FCRA. I therefore demand : 1. Immediate deletion of all disputed, unverified information from my consumer file ; 2. Written disclosure of the complete method of verification, including the furnishers identity and documentation relied upon ; and 3. Confirmation within 15 days that Equifax has complied.

If Equifax fails to comply, I will pursue civil remedies under 15 U.S.C. 1681n and 1681o for statutory and actual damages, costs, and attorneys fees.

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 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXI called each of the Companies they said its on your report and its nothing they can do.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint because CBNA is reporting an account under my name that I do not recognize. I have no knowledge of this account and did not authorize anyone to use my personal information to open or create it. I have never received any services, funds, or benefits of any kind related to this account, nor have I had any financial or personal connection to it. It appears that this may be a result of identity theft or a reporting error. I request that CBNA provide full validation of this alleged account and immediately remove any inaccurate or fraudulent information from my credit report. I have already taken steps to protect my identity and filed an identity theft report with the appropriate authorities. Please investigate this matter and ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Evergreen debt collection agency continues to use random numbers to spam call me twice a day. When I answer they curse at me and they are very predatory. He told me to shut up and let him talk and that he doesn't care if I report them. I have requested them to stop calling and I will contact them when I'm ready, but they continue to use different numbers and when I do answer they are extremely rude and pushy. Saying I need to shut up and I will pay it no matter what. I am tired of the harassment, it is not a crime to have debt, they need to be investigated because it's one thing to be professional about it but to continue to harrass me and curse at me is not okay. I will request a signed contract from them to see if I am obligated to pay, but I have never signed anything with them.

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 2025-10-29 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-29 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding several inaccurate accounts that do not belong to me. In my written dispute, I specifically requested that Experian obtain and provide proper documentation from the original creditors, including copies of any signed contracts, applications, or written agreements bearing my signature, to verify the validity and ownership of these accounts, as required under the Fair Credit Reporting Act ( FCRA 611 and 609 ). 

Instead of supplying any verifiable documentation or proof from the original creditors, Experian simply marked the accounts as verified without providing supporting evidence or copies of the original signed documents. This action does not meet the verification standards outlined in the FCRA. 

By failing to provide documentation showing my written authorization or agreement to open or use these accounts, Experian did not complete a proper or reasonable investigation. The continued reporting of these unverifiable and inaccurate accounts has caused damage to my creditworthiness, financial opportunities, and emotional well-being. 

I am requesting that the CFPB require Experian to produce proper verification from the original creditors including documents containing my written signature or immediately delete all disputed accounts that can not be legally verified.

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 2025-10-29 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding several inaccurate accounts that do not belong to me. In my written dispute, I specifically requested that Experian obtain and provide proper documentation from the original creditors, including copies of any signed contracts, applications, or written agreements bearing my signature, to verify the validity and ownership of these accounts, as required under the Fair Credit Reporting Act ( FCRA 611 and 609 ). 

Instead of supplying any verifiable documentation or proof from the original creditors, Experian simply marked the accounts as verified without providing supporting evidence or copies of the original signed documents. This action does not meet the verification standards outlined in the FCRA. 

By failing to provide documentation showing my written authorization or agreement to open or use these accounts, Experian did not complete a proper or reasonable investigation. The continued reporting of these unverifiable and inaccurate accounts has caused damage to my creditworthiness, financial opportunities, and emotional well-being. 

I am requesting that the CFPB require Experian to produce proper verification from the original creditors including documents containing my written signature or immediately delete all disputed accounts that can not be legally verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-29 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:
My credit report lists late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 1681i, my report must reflect only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Carrington Mortgage Services LLC ( Carrington ) inaccurately marked CFPB Complaint XXXX submitted XX/XX/XXXX as a duplicate, referencing CFPB Complaint XXXX submitted XX/XX/XXXX, and closed CFPB Complaint XXXX on XX/XX/XXXX. 
As a Consumer, I have the right to dispute again with additional relevant information provided/attached to substantiate my claim ( i.e. XXXX XXXX dated XX/XX/XXXX ). Please investigate concerns regarding Carrington error in processing timely mortgage payment amount received in full for/during XX/XX/XXXX, and inaccurately reported by Carrington as XXXX late payment to XXXX Credit Bureaus XXXX XXXX XXXX XXXX  ( may be listed between dates XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX upon last review of separate Bureau Reports ). New objective evidence gathered/included from Carrington Mortgage Statements XXXX XX/XX/XXXX, XX/XX/XXXX ) as well as timely payment history transmitted to Carrington from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidenced/attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
First, when I went to file this complaint, your system said that my email already had an account. I have never set up an account on this site until today. My email is XXXX XXXX XXXX  After the scam I am about to describe, I hired an online attorney XXXX XXXX XXXX, we communicated via XXXX. Turns out he was not an attorney at all. He referred me to a secret XXXX XXXX XXXX of the CFPB. This XXXX XXXX was to help me recover my money. Do you have a special XXXX XXXX? I think these XXXX are scams too. 

This is my first scam. I was recruited and hired to do an online job for a company called Mecari XXXX. The job was to review APPS for various companies and give them positive feedback. The companies paid for this feedback. I was told that I would get a salary and commissions. However we had to make a deposit each day to make the feedback legit, to show we had actually bought something from this company. I signed up for the {$100.00} deposit program, VIP XXXX, the lowest. At the end of each day and completing XXXX tasks, I was to receive all commissions, salary and all of my deposits would be returned. At the end of the first XXXX work days, they did this. On day XXXX, they had a special anniversary event. It required that I increase my deposit to {$500.00}, which I did. During the work day you run in to what is called high commission tasks. Those require higher additional deposits. On Wednesday XXXX, I ended up depositing {$27000.00} Much to my surprise, at the end of the day, they refused to return my money. They would not give me any money, not the salary I earned, not the commissions and not my deposits. They said my balance was too large and I neede to upgrade to VIP XXXX for an additional $ XXXX. I refused. Another concerning aspect is, I had to convert all my deposits from dollars to XXXX  or XXXX. I did this through an app they taught me to use, Crypto.com. XXXX then sent the XXXX to the company on my behalf. We want you to help us recover our money or at bare minimum, hold them accountable and warn all other consumers

Company response to consumer: Closed with explanation