vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under XXXX XXXX XXXX XXXX and XXXX. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint to dispute inaccurate and misleading 30-day, 60-day, and 90-day late payment notations currently being reported by [ Equifax, Experian, and TransUnion ] on my credit reports . 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. The accounts in question are reporting derogatory late payment statuses that are not accurate and do not reflect my actual payment history. These errors are severely impacting my credit standing.

Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments were either never late, inaccurately dated, or incorrectly categorized. 

I have not received any proper validation or documentation from the furnishers proving these alleged delinquencies. 

According to 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Moreover, per 1681i ( a ) ( 5 ) ( A ), any unverifiable or incorrect information must be promptly DELETED or BLOCKED by the credit reporting agencies.

I have already attempted to resolve this matter directly with the credit bureaus and furnishers but have received inadequate responses. Therefore, I request that the CFPB conduct an immediate investigation into these reporting violations and take corrective action. I demand that these late payment notations be either validated with concrete proof or immediately DELETED OR BLOCKED from all credit reports in compliance with federal law. 


Please confirm receipt of this complaint and keep me informed of any updates in this matter. Thank you for your time and attention to this urgent and harmful issue.

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 2025-06-12 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: TX

Complaint narrative:
I am filing this formal complaint to dispute inaccurate and misleading 30-day, 60-day, and 90-day late payment notations currently being reported by [ Equifax, Experian, and TransUnion ] on my credit reports . 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. The accounts in question are reporting derogatory late payment statuses that are not accurate and do not reflect my actual payment history. These errors are severely impacting my credit standing.

Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments were either never late, inaccurately dated, or incorrectly categorized. 

I have not received any proper validation or documentation from the furnishers proving these alleged delinquencies. 

According to 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Moreover, per 1681i ( a ) ( 5 ) ( A ), any unverifiable or incorrect information must be promptly DELETED or BLOCKED by the credit reporting agencies.

I have already attempted to resolve this matter directly with the credit bureaus and furnishers but have received inadequate responses. Therefore, I request that the CFPB conduct an immediate investigation into these reporting violations and take corrective action. I demand that these late payment notations be either validated with concrete proof or immediately DELETED OR BLOCKED from all credit reports in compliance with federal law. 


Please confirm receipt of this complaint and keep me informed of any updates in this matter. Thank you for your time and attention to this urgent and harmful issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX25 - after XXXX : I received a text notifying me of a fraudulent XXXX XXXX purchase. " Wells Fargo '' advised that they would be calling me. I then received a call from " Wells Fargo '' stating they were checking fraudulent charges and asked to confirm my account number because they " flagged a fraudulent wire transfer ''. In order to start a case for it, they told me I had to authorize a wire so they could stop the transaction from happening. 
XX/XX/XXXX25 at XXXX - XXXX logged into my account and saw a {$4000.00} wire transfer " pending ''. At XXXX I called Wells Fargo and spoke with XXXX to report the fraud and stop the wire transfer. He provided a case number and claim number and advised he would recall the wire transfer. We have a screen shot of the wire showing as " pending ''. While on the call, Wells Fargo closed my account and created a new account transferring the {$4000.00} and remaining funds to my new account. 
XX/XX/XXXX25 : I checked my account again and the wire was still showing as " pending ''. Later that day, the wire apparently was allowed to go through. 
XX/XX/XXXX/25 : I called Wells Fargo again and asked about the wire recall. They indicated they would contact TD Bank ( receiving bank ) and ask them to halt delivery of the funds. They indicated it would take up to 10 days. 
XX/XX/XXXX/25 : Wells Fargo mailed us a letter ( received XX/XX/XXXX25 ) stating the money would not be returned to me. 
XX/XX/XXXX25 : I called Wells Fargo and spoke with XXXX who advised she would have a claims person call me. 
XX/XX/XXXX25 : I spoke with Wells Fargo 's claims person- XXXX- who advised she would mail me a claim form to be completed no later than XX/XX/XXXX for my completion. 
XX/XX/XXXX25 : I received the " claim form '' which was in essence a release of Wells Fargo liability.

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 2025-06-12 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX apt XXXX XXXX corporate XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute Collection Dear XXXX I am disputing the collection amount listed below due to inaccuracies and failure to meet XXXX Compliance standards LVNV Funding , LLC. The account contains error in it's reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal of this account if it can not be verified. Enclosed are my ID and Proof of address for verification. Please resolve in XXXX days and provide written confirmation of your findings. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am filing this complaint regarding an auto loan I received from Exeter Finance on XX/XX/year>. I believe this loan constitutes predatory lending due to deceptive, unfair and harmful terms. 


I financed a vehicle through Exeter Finance for {$24000.00}, and my monthly payment is {$670.00}. Despite making consistent payments for nearly XXXX years, Exeter claims I still owe {$23000.00}. The loan carries a XXXX XXXX interest rate, which is excessively high and abusive, especially for an auto loan. 



I was not clearly informed of the full cost of financing at the time of signing, nor was I given a reasonable chance to seek alternative financing. I believe Exeter took advantage of my financial situation and misrepresented what I was agreeing to. 



I now realize that I was subjected to unfair loan terms that are structured in a way that makes it nearly impossible to pay off the vehicle in a timely or equitable manner. The interest has drastically outweighed the payments Ive made. It feels as if the balance is designed not to decrease, no matter how much I pay. 



I believe this is a predatory loan and am asking for a full review and support in resolving this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I respectfully dispute the reported late payment on my account, which I believe to be inaccurate. My payment was made prior to the due date, and I have documentation to support this. Please take immediate action to correct this error and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 not responsible for the accounts listed below, which were opened without my consent or knowledge. They are fraudulent and must be deleted from my credit profile. Under XXXX XXXX. XXXX, I demand their removal within XXXX days. Documentation is provided for reference.

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 2025-06-12 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Collection XXXX XXXX XXXX XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
This is a final and urgent demand to immediately delete the following fraudulent tradelines and unauthorized inquiries from my personal credit report. These accounts and inquiries were not opened, authorized, or approved by me : FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX. XXXX Bank XXXX Acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account FRAUDULENT INQUIRIES : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX Bank XXXX. XX/XX/XXXX I did not apply for credit with these companies. I did not authorize any hard inquiries or joint responsibility for business accounts. These entries were made without my knowledge or consent and violate my rights under the Fair Credit Reporting Act ( FCRA ) specifically 1681b ( no permissible purpose ) and 605B ( identity theft ).

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 2025-06-12 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: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Date : XX/XX/year> Experian, Equifax, Transunion Subject : Dispute of Inaccurate Collection Account Reporting XXXX XXXX XXXX Dear Experian, Equifax Transunion, I am formally disputing the accuracy of the collection account listed below, which appears on my Experian credit report dated XX/XX/year> : Creditor Name : XXXX XXXX XXXX Original Creditor : Klarna Credit Account Number ( Last XXXX ) : XXXX Reported Balance : {$700.00} Date Opened : XX/XX/year> Status : Collection account I do not acknowledge any debt with XXXX or XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of this account unless full validation, including signed contracts and a full payment history, is provided. 

Additionally, this account has been marked as disputed by consumer, yet no proper resolution or documentation has been shared with me. I respectfully request removal of this tradeline if verification can not be completed within XXXX days as required by law. 

Sincerely, XXXX XXXX [ Enclosures : ID, Credit Report Highlighted ]

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 2025-06-12 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ 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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX put a debt collection of XXXX dollars on my credit. I don't understand why that charge is on my account. I spoke to the company because the balance is not mine and they refuse to show 1099 C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I submitted a police report, notice from XXXX confirming the fraud account, FTC Identity Theft Report, my government-issued ID, and a written statement clearly identifying the fraudulent XXXX collections account. This qualifies under the FCRAs 4-day block rule ( Section 605B ), and XXXX  has already committed on a recorded line to removing the account within 4 business days. 

When I called Equifax to verify status, the representative would not identify himself, demanded my full SSN without proper verification, refused to escalate to a supervisor, became hostile, and then hung up on me. I was told to just keep calling until I happen to reach a XXXX-XXXX  agent, which is unacceptable.

I am requesting immediate removal of this fraudulent account, written confirmation of the deletion, and an investigation into Equifaxs phone practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I paid off my auto loan with XXXX XXXX in full oin XX/XX/year>. The lender has confirmed that they updated their records and submitted the accurate status to Experian. However, Experian has failed to update the account on my credit report. The last reported date of any update on my credit report is XX/XX/year>. 

I submitted a dispute through Experian, and they closed it within XXXX days without making any changes or providing an adequate explanation. This indicates that no proper investigation was conducted. 

This inaccurate reporting is negatively affecting my credit profile and may impact my ability to obtain future credit. I am requesting that the CFPB hold Experian accountable for failing to update accurate credit information in accordance with the Fair Credit Reporting Act ( FCRA ). 

I ask that Experian be required to correct the record immediately and confirm the update in writing to me. I have tried to submit multiple disputes and they seem to not actually investigate.

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 2025-06-12 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: TX

Complaint narrative:
I am filing this formal complaint to dispute inaccurate and misleading 30-day, 60-day, and 90-day late payment notations currently being reported by [ Equifax, Experian, and TransUnion ] on my credit reports . 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. The accounts in question are reporting derogatory late payment statuses that are not accurate and do not reflect my actual payment history. These errors are severely impacting my credit standing.

Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments were either never late, inaccurately dated, or incorrectly categorized. 

I have not received any proper validation or documentation from the furnishers proving these alleged delinquencies. 

According to 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Moreover, per 1681i ( a ) ( 5 ) ( A ), any unverifiable or incorrect information must be promptly DELETED or BLOCKED by the credit reporting agencies.

I have already attempted to resolve this matter directly with the credit bureaus and furnishers but have received inadequate responses. Therefore, I request that the CFPB conduct an immediate investigation into these reporting violations and take corrective action. I demand that these late payment notations be either validated with concrete proof or immediately DELETED OR BLOCKED from all credit reports in compliance with federal law. 


Please confirm receipt of this complaint and keep me informed of any updates in this matter. Thank you for your time and attention to this urgent and harmful issue.

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