vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-10 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: SC

Complaint narrative:
I am disputing the following accounts and requesting verification and correction of any inaccuracies in the reporting of the following charged-off accounts, inquiries, and late payments : CHARGED OFF XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Status : Charged Off Dispute Reason : This account is inaccurately reported as charged off. I request that the status be corrected and verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Account Status : Charged Off Dispute Reason : This account is inaccurately reported as charged off. Please provide verification of this account. 

XXXX XXXX, XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Account Status : Charged Off Dispute Reason : I dispute the charge-off status of this account and request verification of the debt. 

INQUIRIES No inquiries to report at this time ( or add any details if applicable ).

POSITIVE No positive accounts to report at this time ( or add any details if applicable ). 

LATE PAYMENT XXXX XXXXXXXX Date of Last Payment : ( Add if known ) Amount of Payment : ( Add if known ) Dispute Reason : I dispute this late payment due to inaccuracies. Please verify the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
Subject Reinsertion and Inaccurate Reporting XXXX  XXXX Auto Finance Account I am filing a formal complaint about an inaccurate and improperly reinserted XXXX XXXX XXXX XXXX account that appears on my credit reports. 

This account was previously removed from my credit reports, but it was later reinserted without any written notice to me. Under the Fair Credit Reporting Act section 611a5B, credit reporting agencies must notify the consumer in writing within XXXX business days when reinserting previously deleted information. I did not receive this notice, which is a violation of the FCRA. 
In addition, the reinserted XXXX XXXX XXXX XXXX account is being reported as charged off or in collection, but it also shows late payments after the charge off date. 

Once an account has been charged off, no new delinquency or late payment information should be added because the account is closed and no longer active. Reporting additional late payments after a charge off is inaccurate and misleading, violating FCRA section XXXX which requires maximum possible accuracy. 

The account also includes the remark Dispute resolved reported by grantor, even though I do not have an active dispute with the creditor. Continuing to report this statement is misleading and may violate FCRA section XXXX for reporting incomplete or inaccurate information. 

I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that TransUnion, Equifax, Experian and XXXX XXXX XXXX XXXX provide documentation showing when and why the account was reinserted, and proof of any written notice sent to me in compliance with FCRA section 611a5B.

Remove any inaccurate late payment history reported after the charge off date. 
Remove or correct the misleading Dispute resolved remark if no current dispute exists. 
Permanently delete the account if its accuracy can not be verified in full compliance with FCRA section 611a5A.

Thank you for your time and attention. I request a complete investigation into this inaccurate and improperly reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We closed our Wells Fargo home mortgage on XX/XX/XXXX at the sale of our home. Our new address and contacts for mailing were changed to correctly verify our new address prior to this date. After our loan was paid off there was a balance in excess of {$22000.00} in escrow. This was supposedly dispersed to us on XX/XX/XXXX. We never received the check. Made several calls to Wells Fargo and they said to wait until finally they said they would reissue new check within 7-10 after they had both me and my wife verify the details of the account. 7-10 days later we received mail that said our check could not be reissued due to the high amount and that we needed to file a declaration of loss form. This was faxed, emailed and conventional mail per directions. Never received correspondence. After that called several times to confirm. Agent stated the first time nothing was received after 2 weeks. Called again. Agent said new check was reissued on XX/XX/XXXX and gave us the check number and to wait 7-10 days. Check was never received 14 days later. I cross referenced the check number and it was the old check from XX/XX/XXXX that was never delivered. Called back and new agent states the check was never mailed or processed. Still no status. Says they can now see that the declaration of loss form was received on XX/XX/XXXX. Need to wait 30 more days. This call was completed with agent XXXX ID number XXXX  And was told nothing else can be done at this time. Would not send me written correspondence or confirmation. Says there is no way to receive status updates or written confirmation of any of this information. This is completely unacceptable with no resolution from Wells Fargo. Our money has been held hostage for >2 months.

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 2025-11-10 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
My credit report requires immediate attention due to several inaccuracies.

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 2025-11-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-10 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-10 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: NJ

Complaint narrative:
I am filing this complaint because several furnishers and credit bureaus are continuing to report false, incomplete, and unverifiable information on my credit reports, even after multiple formal disputes and reinvestigation requests. This behavior violates my rights under the Fair Credit Reporting Act, including FCRA 607 ( b ) ( failure to assure maximum possible accuracy ), FCRA 611 ( a ) ( 5 ) ( failure to delete unverifiable information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

Each of the following accounts has been reported with major inconsistencies that clearly show the data can not be verified or lawfully maintained : XXXX XXXX Reported with conflicting open and closed statuses, missing payment history, and unverifiable balance data. 

XXXX XXXX XXXX Account was paid and closed, yet is still reported with a negative status and inconsistent update dates. 

XXXX  XXXX XXXX Shows different charge off dates, last payment dates, and balances across bureaus. 

XXXX XXXX XXXX Contains conflicting charge off data, unverifiable payment history, and mismatched last activity dates. 

XXXX XXXX XXXX Reported with contradictory account statuses and no validation of ownership, balance, or date opened. 

XXXX XXXX Displays multiple discrepancies in charge off status, payment dates, and balances, none of which can be verified. 

XXXX XXXX XXXX XXXX XXXX Reported as a charge off with inconsistent balance and closure data and no verifiable assignment details. 

XXXX XXXX Reported with unverifiable data, missing creditor details, and inconsistent balances. 

Additionally, unauthorized inquiries were reported by XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), for which I never applied or gave written consent. This violates FCRA 604 ( a ) ( 2 ) concerning permissible purpose for credit inquiries. 

Furthermore, several personal identifiers including incorrect names, addresses, and employer information have been inaccurately associated with my file, contributing to identity confusion and potential data mismatching. 

Despite multiple dispute submissions, none of the furnishers have provided legally acceptable verification materials such as original signed agreements, complete payment histories with timestamps, or itemized statements. The continued verification of unverifiable data demonstrates willful noncompliance with FCRA and Metro 2 reporting standards, which require consistent, complete, and internally accurate information. This negligence has directly harmed my credit standing, reduced my FICO score, and caused emotional and financial distress by limiting access to fair credit and housing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I am filing this complaint because several furnishers and credit bureaus are continuing to report false, incomplete, and unverifiable information on my credit reports, even after multiple formal disputes and reinvestigation requests. This behavior violates my rights under the Fair Credit Reporting Act, including FCRA 607 ( b ) ( failure to assure maximum possible accuracy ), FCRA 611 ( a ) ( 5 ) ( failure to delete unverifiable information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

Each of the following accounts has been reported with major inconsistencies that clearly show the data can not be verified or lawfully maintained : XXXX XXXX Reported with conflicting open and closed statuses, missing payment history, and unverifiable balance data. 

XXXX XXXX XXXX Account was paid and closed, yet is still reported with a negative status and inconsistent update dates. 

XXXX  XXXX XXXX Shows different charge off dates, last payment dates, and balances across bureaus. 

XXXX XXXX XXXX Contains conflicting charge off data, unverifiable payment history, and mismatched last activity dates. 

XXXX XXXX XXXX Reported with contradictory account statuses and no validation of ownership, balance, or date opened. 

XXXX XXXX Displays multiple discrepancies in charge off status, payment dates, and balances, none of which can be verified. 

XXXX XXXX XXXX XXXX XXXX Reported as a charge off with inconsistent balance and closure data and no verifiable assignment details. 

XXXX XXXX Reported with unverifiable data, missing creditor details, and inconsistent balances. 

Additionally, unauthorized inquiries were reported by XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), for which I never applied or gave written consent. This violates FCRA 604 ( a ) ( 2 ) concerning permissible purpose for credit inquiries. 

Furthermore, several personal identifiers including incorrect names, addresses, and employer information have been inaccurately associated with my file, contributing to identity confusion and potential data mismatching. 

Despite multiple dispute submissions, none of the furnishers have provided legally acceptable verification materials such as original signed agreements, complete payment histories with timestamps, or itemized statements. The continued verification of unverifiable data demonstrates willful noncompliance with FCRA and Metro 2 reporting standards, which require consistent, complete, and internally accurate information. This negligence has directly harmed my credit standing, reduced my FICO score, and caused emotional and financial distress by limiting access to fair credit and housing opportunities.

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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had XXXX XXXX an thought that it was paid. In XXXX I received a notification that the XXXX did not cover the complete bill. I informed my XXXX company about this and complained. I was then told is was cleared but now they still say no and it is in collection. I wrote them a let and explained that I am XXXX XXXX XXXX and there is no way I can pay the amount and I reput what they say. It is affecting my XXXX XXXX. Please take this off of my XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
a few months ago i contacted bridgecrest via phone to request a copy of my payment ledger to see how much interest I was paying since I have not paid down almost any dollars at all on the principle so far. they claimed that they were sending it in the mail, then the next lady i was transferred to literally suggested that I already had it and then told me on the phone that I was not being charged any additional interest.

this is why i was contacting them, because i'm pretty sure they are charging me additional interest when the payment is late, however they will not provide any kind of statement/ledger or explaination of how the interest charges accrue.

so i got an email recently saying pay now to avoid additional interest, contact them now for help, etc. and i replied saying i tried to get a copy of my ledger to no avail and that i want a copy to see what the charges are. they just post a dollar amount on their site, they will not show me the ledger.

now they are refusing to speak to me in writing. i have emailed them three times requesting to open a line of communication in writing and they simply respond with canned emails saying they can't discuss details unless i get on the phone with them.

in the meantime im sure they are going to start repossession efforts which will cost me my job. i want to make a payment plan ASAP however I can't just keep paying random numbers that they send my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Ensure disputed accounts are deleted before the legal deadline expires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor.

2. Verification of the Debt : A full accounting of the debt amount, including itemized charges.

3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor.

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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