vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I currently have active account with XXXX XXXX that was previously in collections. The amount was {$250.00}. The account is now in good standing and active in my name. I reported this to Experian to update their records and they returned my dispute saying that the account was valid and would remain as outstanding on my collections. I have had the same problem with my XXXX reporting for my car loan. My car loan is also current. This is invalid. I have had this reoccurring issue regarding Experian. I also had 2 accounts with XXXX reported to collections that were validated with me directly by the company as fraudulent and they continued to report them despite the company verification that I gave them. These accounts were almost {$900.00} and {$2200.00}. I provided Experian previously with the case IDs and account numbers. Ive since tried to contact Experian via phone and the app. The automated system never allows me to speak to anyone and the app always returns my disputes back as valid collections even when I have the evidence that they are not. I do not believe that Experian is following the correct process to validate these accounts. Ive investigated them myself. I just do not know how to get these invalid collections and debts removed when I can not get in contact with anyone from Experian.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I attempted to you my credit card to make a transaction. The interface used a TFA ( code sent to my telephone on record ), which I entered correctly three times. The transaction was still declined and the merchant indicated I should use another payment method or contact the bank. I called the Customer Service number on the back of my credit card and validated all of my security information. The representative asked me to stay on the line and attempt the transaction again, which I did. Once again it did not go through. He transferred me to the Fraud department and we repeated the same process. At this point, I had been on the phone for XXXX minutes with the issuing bank. I asked to escalate the issue to identify the problem and the representative again validated my information ( billing address, mailing address, phone number, last 4 of social security, etc. ). She then asked if there was another phone number associated with the account, which there is not. I expressed concern that if Wells Fargo had information on my account other than what I had provided, they may have experienced a cybersecurity incident, and I was concerned about the security of my account. She indicated I would need to go to a physical branch to " update my information '' though I repeated to her several times that there is no information to update because nothing has changed since I opened the account, and that going to a physical branch was not possible because of my current travel.

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 2025-06-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX # XXXX XX/XX/XXXXXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I am filing a complaint against ONEMAIN Financial for inaccurately reporting an account as charged off with a high outstanding balance, even though the account was paid in full this week. 

The account ( ending in XXXX ) is still being reported with a balance of {$11000.00}, marked as charged off, with continuous monthly charge-off updates through XX/XX/XXXX. This is misleading and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 1. Failure to update paid status : Although the account was fully paid this week, ONEMAIN has not updated the credit report to reflect the true status. Reporting a balance that no longer exists is inaccurate and violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
2. Re-aging of debt : The account has been closed since XXXX, yet ONEMAIN continues to report charge-off status every single month up to XX/XX/XXXX. This practice of re-aging derogatory accounts violates FCRA 605 ( c ) and misleads lenders by making the delinquency appear newer than it is.

3. Lack of correction after dispute : The account history shows a pattern of neglecting updates even when disputes are made. Once a debt is satisfied, credit reporting agencies and furnishers are legally required to update the account or remove it under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX I received my redemption from a online casino game. The very same day I zelled My mom the exact same amount I got from the online casino game.Well it's already the XXXX of XXXX and my mom still hasn't gotten her money but on my bank statement it says it's complete ... And it also says that by the XXXX of XXXX the money I sent would be expired and the money would be refunded to my account and it's a day pass and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
A certified debt validation request was mailed to the company on XX/XX/XXXX, regarding a {$3900.00} collection account related to a former apartment lease. That letter was returned as undeliverable. A follow-up letter was sent on XX/XX/XXXX, to the companys updated mailing address. The letter invoked consumer rights under federal law and requested proper documentation to validate the debt. A final notice reiterating the demand for removal of the account and outlining legal violations was sent on XX/XX/XXXX. 

The following documentation was requested : A copy of the original signed lease agreement A full itemized breakdown of how the {$3900.00} was calculated A complete statement of account with charges, payments, and credits Proof that the company had the legal authority or assignment to collect the debt The method of verification used to report the account to credit bureaus In response, the company only provided a second-year lease agreement dated XX/XX/XXXX and a security deposit statement from XX/XX/XXXX. They did not provide the original lease, itemized accounting, statement of account, proof of authority, or the method of verification used to report to the credit bureaus. 

More importantly, the company did not acknowledge or include a notarized settlement agreement from the same lease period. This legally binding document outlined a 10-month payment plan and required the removal of all derogatory marks, including evictions and judgments, from all credit bureaus upon fulfillment. The agreement was accepted by the original creditor ( confirmed by a cashed check ) and included a clause authorizing summary judgment and recovery of damages if breached. 

Despite this, the company continues to report the {$3900.00} as unpaid, which violates the following : Laws Being Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) - ( b ) Failure to provide proper validation of the debt upon request and continued collection efforts without providing supporting documentation.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate or incomplete information to credit bureaus and failing to conduct a reasonable investigation after receiving a dispute.

Contract Law Breach of a notarized and accepted settlement agreement, which required deletion of derogatory marks from all three credit bureaus upon payment compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Morning On XX/XX/2025, a purchase for {$590.00} was declined at XXXX. In checking with the card holder, I was told that Citibank, who administers the card had placed a 13 day freeze on the entire card which has a {$5000.00} limit and a credit balance of over {$200.00}.

WHY? The amount I paid was {$2700.00} and it was a " large amount ''. This is a script for the theatre of the absurd. Penalizing a consumer for making payments. Additionally, after 13 days, and another 5 to 7 business day, a check will be processed for the credit balance. On XX/XX/XXXX, XXXX debited my account for the payment, and as of today, Citibank is not only delaying the payment process but freezing the entire card. It was a vey embarrassing situation to have a purchase declined at a high end store. I completed the purchase using another card.

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 2025-06-13 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: NY

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-13 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:
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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am filing this formal complaint due to inaccurate and potentially unlawful data being reported by EQUIFAX on multiple tradelines within my consumer credit file. The account listed under XXXX XXXX ( Account Number : XXXX ) with a date opened of XX/XX/XXXX, was never verified to meet federal credit reporting standards. The information furnished to EQUIFAX was never confirmed to be accurate, complete, or up to date, which violates FCRA 607 ( b ). I am requesting deletion of this account due to lack of verified accuracy.

Additionally, EQUIFAX is reporting multiple tradelines for XXXX XXXX  XXXX ( Account Numbers : XXXX, dates opened XX/XX/XXXX and XX/XX/XXXX, respectively ). These accounts are in direct violation of Bankruptcy Code protections, including violations of the Automatic Stay, as well as misrepresenting the nature of a repossession event. These should have been removed after the bankruptcy filing or at the very least investigated and corrected. EQUIFAXs continued reporting constitutes not only noncompliance with the FCRA, but also with bankruptcy protections under 11 U.S.C. 362. Additionally, XXXX XXXX XXXX XXXX ( Account Number ending in XXXX, date opened XX/XX/XXXX ) and XXXX ( Account ending in XXXX, date opened XX/XX/XXXX ) are both reporting in a manner that violates the Automatic Stay and disregards court orders related to my bankruptcy case. 

Lastly, EQUIFAX is misreporting details related to a XXXX XXXXXXXX bankruptcy case filed on XX/XX/XXXX ( Reference Number : XXXX ; Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX California, XXXX XXXX ). This case was dismissed, and the inaccurate reporting of related tradelines is unjustified. Under my rights via the Fair Credit Reporting Act, I am demanding the full contact information of the third-party vendor who supplied this erroneous bankruptcy data to EQUIFAX. The XXXX Bankruptcy XXXX does not subscribe to your bureaus reporting service, and therefore, if EQUIFAX can not validate the source, the associated tradelines and references must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-06-13 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:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-06-13 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: CT

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/year> and was given a {$300.00} limit. I activated the card on the phone and checked through the company 's website to verify the status as " Activated ''. Upon trying to use the card at various stores and gas stations, it was clear that the card did not work and would not charge anywhere even when the store clearly accepted the card 's network. I called and explained the issue, but the card never worked. I was charged late fees even though no charges were ever put on the card. I called when I noticed this occurring and again explained how the card did not work. The company representative understood and agreed to waive all fees and closed the account on my request. This was done successfully but the account still shows as derogatory on my credit report due to " late payments '' that never existed. I recently contacted the company again and even though they could not verify that I had any late payments or that the account was ever derogatory the representative said she could not help me now that the account was closed and that I had to go through the credit reporting agency 's. I have submitted multiple disputes trying to explain this situation but no resolutions have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested Debt Validation on XX/XX/year> from XXXX XXXX XXXX XXXX. They had 30days to send such information and still to this day XX/XX/year> have failed to do so. This is a clear violation of the consumer the Fair Debt Collection Practices Act. I requested Debt Validation in Writing and sent it to them with a certified mail receipt attached. I am requesting that this account be removed immediately for as this account in hendering my credit report. I also mailed a letter to XXXX, Experian, and XXXX requesting this item to be deleted because there is no proof that this account is in fact mine. They have also failed to respond.

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 2025-06-13 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: OH

Complaint narrative:
Please correct/update the inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This credit repair agency messed up my credit and I asked them to take the late mark off and they gave me a hard time and were very snarky with me. My husband passed away. This is supposed to be a credit repair agency. They have hurt my credit they have put remarks on countless clothes which has a late fee on it and they have hurt my score this credit repair Company is a scam and I dont want them to touch my credit anymore. I want XXXX XXXX XXXX credit repair service off of my credit.

Company response to consumer: Closed with non-monetary relief