vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a collection account that is being reported with an incorrect balance and without proper verification of responsibility. 

I previously reached a settlement agreement with the collection agency for this account, and I have already paid the agreed-upon settlement amount in full. Despite this, the collection is still being reported as unpaid or reflecting an incorrect balance. 

I have repeatedly requested documentation and verification showing that I am legally responsible for this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any such proof or supporting documents from the collection agency or the original creditor. 

Specifically : The reported amount due is incorrect and does not reflect the settlement terms. 

The agency has failed to provide validation of the debt, including proof of my responsibility. 

My requests for documentation have been ignored or inadequately addressed. 

I am requesting that the CFPB investigate this matter and ensure that the collection agency provides : Proof of the original debt, including all documentation that identifies me as the responsible party. 

Verification of the settlement, including payment confirmation and any agreement terms.

Correction of the reported balance and removal or update of any inaccurate information from my credit report, if applicable. 

I am submitting this complaint in good faith to resolve this matter properly. I have made all reasonable efforts to communicate directly with the agency but have not received the legally required validation or accurate reporting. 

Please advise on the next steps or any additional documentation you may need from me to proceed with this complaint. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received an email on XXXX XXXX XXXX from XXXX regarding the XXXX Weighted Goods Settlement Administrator stating that a {$10.00} payment was sent to me through XXXX. I originally claimed this settlement on XXXX XXXX XXXX. When I clicked the link in the email, XXXX prompted me to sign up with my phone number. After entering it, XXXX said an account already existed for this number, so I logged in instead. Once logged in, there was no option to accept the payment, and the funds have never appeared in my account balance. 

I attempted the process multiple times on different devices and browsers, waited several days, and still did not see any pending or completed transactions for the payment. I also tried contacting XXXX customer service several times but could not reach a live agent or resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : 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 Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2025-10-21 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a documented domestic-violence survivor reporting identity theft and unauthorized use of my Wells Fargo credit card by my former partner, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. These events are fully documented in the XXXX Police Department Report # XXXX ( filed XX/XX/XXXX, with supplements through XX/XX/XXXX ). 

During that period, XXXX XXXX repeatedly took my cellphone and credit cards by force, used them without my permission, and accessed my personal financial accounts while we lived together. I had no control or access to my devices or accounts at times due to his abuse and threats. 

I submitted a police report and identity-theft documentation to Wells Fargo XXXX On XX/XX/XXXX, the bank acknowledged receipt and began an investigation. However, on XX/XX/XXXX, Wells Fargo again demanded the same information already provided, including charge details and fraud forms despite having verified law-enforcement evidence. These repeated requests are traumatizing and unnecessary, and they delay resolution of confirmed unauthorized use. 



Why this violates federal law : Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ) Wells Fargo failed to conduct a reasonable reinvestigation or promptly correct inaccurate information after receiving official documentation.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) The bank failed to properly investigate unauthorized use or issue provisional credit as required.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Requiring survivors to repeatedly resubmit identical evidence constitutes unfair and abusive conduct that causes emotional distress.

Violence Against Women Act ( VAWA 2022, 12 C.F.R. 1022.142 ) Financial institutions must handle abuse-related fraud in a survivor-sensitive, trauma-informed way and minimize repetitive documentation requests. Wells Fargos conduct violates these protections.

Also, I have been informed that Wells Fargo now intends to file a civil lawsuit against me to collect the disputed credit-card debt that arose from unauthorized use during a period of documented domestic abuse. This threat of litigation directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ), because the bank has been provided with a verified police report establishing identity theft ( XXXX XXXX Report # XXXX ) and should have ceased all collection activity pending correction. Pursuing or threatening suit under these circumstances constitutes retaliatory and abusive conduct under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) and violates survivor protections under VAWA 2022/ 12 C.F.R. 1022.142, which require institutions to handle financial-abuse survivors claims with sensitivity and without retaliation.

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 2025-10-21 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
In their most recent response, the collection agency now claims they mailed a first notice on XX/XX/XXXX to the address listed on my current complaint. This is factually impossible. I did not reside at that address until XX/XX/XXXX, more than a year after the date they claim to have mailed the notice. 
This means the alleged written notice could not have been received, and therefore the agency did not provide proper notice to my correct address as required under 15 U.S.C. 1692g ( a ). Reporting the account to the credit bureaus in XX/XX/XXXX without having ever sent written notice to my actual address is a clear FDCPA violation and constitutes inaccurate furnishing under the FCRA ( 15 U.S.C. 1681s-2 ).

The agencys own statement effectively proves non-compliancethey could not have mailed a valid notice to an address I didnt yet occupy. 
What I would like done : Require the collector to provide verifiable proof of mailing, including the address used, for the alleged XX/XX/XXXX notice. 
Remove the collection account from all credit bureaus for failure to provide written notice to my correct address prior to reporting. 
Review this case as a pattern of inaccurate furnishing and take enforcement action as appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
Consumer Name : 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal BREACH under the account number XXXX A account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, This letter serves as a formal dispute of the above-referenced account appearing in my Equifax credit file. The information reported is inaccurate and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : CRAs must assure maximum possible accuracy of all information reported.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You must conduct a reasonable reinvestigation upon receipt of this dispute.

15 U.S.C. 1681i ( a ) ( 7 ) : You must provide a description of the reinvestigation procedure and identify the furnisher ( s ) contacted.

Basis of Dispute The account balance and reporting dates are inconsistent across bureaus.

The alleged debt has not been verified with supporting documentation.

The entry lacks key identifying details necessary for lawful reporting.

Due to these deficiencies, this information fails to meet FCRA accuracy and verification standards. Pursuant to 1681i ( a ) ( 5 ) ( A ), please delete the account immediately if it can not be verified with proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX complaint has all of the details. We have complied with the instructions provided to us and my bank XXXX XXXX XXXX XXXX  has reached out to Harris Bank but they are being ignored so they have shown no interest in resolving the matter even though they told CFPB that was the path we needed to follow for resolution. My bank has provided all of their attempts to communicate with no response. 

I need more assistance from CFPB to get Harris Bank BMO to take this matter seriously.

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 2025-10-21 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I have no obligation to the company XXXX XXXX XXXX, who has been reporting negatively to my credit report. I'd like this item to be deleted from my account due to no standing agreement with this company.

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