vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX CT XXXX XXXX R that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and XXXX furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-18 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:
After reviewing my credit report, I found several accounts and an inquiry being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX XXXX as charged-off with {$1700.00} written off and a {$0.00} balance, yet the account was transferred to XXXX XXXX but still reports as a charge-off, creating duplicate reporting and confusion. XXXX XXXXXXXX is reported as charged-off with a {$6900.00} balance past due, while also listing {$6800.00} written off the figures do not match, and no supporting documentation has been provided. 

XXXX XXXXXXXX XXXX is reported as charged-off with a {$590.00} balance, even though the account had only a {$400.00} credit limit. This reporting exaggerates the balance and its impact. XXXX Bank is showing as charged-off with a {$1100.00} balance, but the account has been closed since XXXX and continues to show repeated derogatory history through XXXX, which is inaccurate and misleading. XXXX XXXX XXXX Bank is being reported as charged-off with a {$2100.00} balance, showing multiple years of derogatories and inflated balances without validation. 

XXXX collection accounts are also inaccurate. XXXX XXXX XXXX, with XXXX Bank as the original creditor, is showing a {$370.00} balance in collection despite prior disputes and without documentation of assignment. XXXX XXXX XXXX, tied to XXXX, is reporting a {$2300.00} balance but has never provided proof of assignment, ownership, or legal right to collect. Additionally, Experian continues to report a hard inquiry from XXXX XXXX Bank XXXX on XX/XX/XXXX, which I did not authorize. 

Despite prior disputes, these inaccurate items remain on my report, damaging my credit profile.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA S 809 ( b ) Account Number ( s ) : [ Insert Account Number ( s ) ] Dear Collection Agency, Iam writing in response tO your claim that! OWe debt. This letter is a formal request for validati the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. {$1.00} Sec. 809 ( b ) Please provide me with the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized accounting of fees, interest, or othe charges.

% A copy of the original signed contract or agreement that makes me legally liable for this det I. Documentation proving you are legally authorized to collect on this account in the State o Louisiana 5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including repo this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fai Credit Reporting Act ( FCRA ).

If you can not validate this debt, you are required by law to remove it from your records and ce collection efforts immediately.

This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that a further communication without providing validation will be documented as harassment and report the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, TransUnion and Experian are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I am filing this complaint because my credit reports across Equifax, Experian, and TransUnion list multiple charge-off accounts that are either inaccurate, outdated, or unverifiable. These entries are unfairly damaging my creditworthiness and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by failing to meet the required standards of accuracy and verification. 

The accounts in question are as follows : XXXX XXXX XXXX * * * * XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX * * * * XX/XX/XXXX {$800.00} XXXXXXXX XXXX XXXX XXXX * * * * XX/XX/XXXX {$2200.00} The first XXXX XXXX XXXXccount is reporting a XXXX balance yet is listed as a charge-off. This is misleading, inaccurate, and provides a false representation of my payment history. The second XXXX XXXXXXXX and the BXXXX XXXX XXXXXXXX accounts are being reported without proper verification or supporting documentation. Under 15 U.S.C. 1681i, each bureau is required to conduct a reasonable reinvestigation when an item is disputed. Merely marking these accounts as verified without reviewing original records, statements, or documentation from the creditor fails to satisfy this requirement. 

These charge-offs have caused significant financial consequences. I have been denied favorable credit opportunities, faced higher interest rates, and endured additional scrutiny from lenders. Each inaccurate entry misrepresents my credit behavior, which is both harmful and avoidable if the reporting agencies adhered to their obligations under federal law. 

The continued publication of these inaccurate charge-offs demonstrates willful neglect of FCRA requirements. Equifax, Experian, and TransUnion have an obligation to ensure the completeness, accuracy, and verifiability of all reported information. Failure to remove or correct these accounts constitutes a direct violation of 15 U.S.C. 1681n, exposing these bureaus to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX * * * * Balance : {$16000.00}XXXX XXXX XXXX  XXXX * * * * Balance : {$0.00}, XXXX  XXXX * * * * Balance : {$1800.00}, XXXX XXXX XXXX * * * Balance : {$830.00}

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 2025-09-18 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: AZ

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
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry : XXXX XXXX Date of XXXX Unauthorized Inquiry : XXXX XXXX Date of XXXX Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XXXX Unauthorized Inquiry : XXXX XXXX  Date of Inquiry : XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-09-18 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: AZ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I noticed inquires on my report I didn't apply for and don't have accounts attached to reporting on my credit profile.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This complaint is a follow-up to my previous CFPB complaint # XXXX regarding unauthorized payments, and refusal of refunds. 

Background On XX/XX/year>, Bank of America withdrew {$100.00} from my account without my authorization. No device of mine was logged in at the time, and I did not initiate this payment. 

I immediately contacted Bank of America multiple times via chat and phone to resolve this. Representatives admitted they could not identify the source of the payment and yet I have not received a refund. 

On XX/XX/XXXX, I was repeatedly asked for account and routing numbers that were already linked, pressured, and treated rudely by a rep that had called me. I also requested a refund via check, which was denied. 

Issues Unauthorized {$100.00} Payment : Bank of America refuses to refund, citing internal policies, which is not a valid reason under the Electronic Fund Transfer Act ( Regulation E ).

Rude Representatives / Poor Account Handling : During my latest call on XX/XX/XXXX, the representative claimed there were no notes on my account, despite my prior calls and an existing case number. He said the case number would not be any good. 

Linked Accounts : My XXXX  XXXX account remains linked to Bank of America despite repeated requests to remove it. 

Late Fees/ Negative Reporting : The unauthorized {$100.00} withdrawal caused my legitimate payment to attempt to fail due to insufficient funds. I am not responsible for any late fees or negative reporting resulting from this. 

Requested Resolution Refund the unauthorized {$100.00} payment ( mailed check ). 

Confirm {$53.00} refund has been processed. 

Remove my linked XXXX XXXX account immediately. 

Ensure no late fees, penalties, or negative reporting occur due to these disputed transactions. 

Written confirmation from Bank of America that this matter is resolved. 

I have been a customer of Bank of America for over 10 years and have never experienced this level of negligence and mistreatment. I request that CFPB take immediate action to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX  credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation