vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I am filing this complaint because Concora Credit XXXX XXXX XXXX XXXX reported a late payment on my credit report for a {$12.00} balance that resulted solely from a monthly maintenance fee on a dormant account I was no longer using. 

I was not aware that the account was still billing fees, as there had been no recent activity and no clear communication that the fee was continuing. As soon as I became aware of the charge, I immediately contacted Concora Credit, requested that the fee be waived, the account be closed, and that no negative information be reported. 

Despite this, Concora Credit proceeded to report a late payment to the credit bureaus. This late payment was not the result of actual credit use, but of an unexpected junk fee on an inactive account. The fee-only balance was not communicated in a timely or meaningful way, and I took immediate action as soon as I was made aware of it. 

I believe this reporting is unfair, disproportionate, and does not accurately reflect my payment behavior, in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report information that is fair, accurate, and not misleading.

Additionally : I contacted the company before the late was reported to request closure and removal.

The balance was not due to a purchase or cash advance but a maintenance fee for an account I was not actively using.

The company refused to offer a goodwill correction despite my immediate action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
This information does not accurately reflect my financial responsibility. I respectfully request a review and appropriate adjustment.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
FDCPA XXXX Notice Violation Letter ( Failure to Send Written Notice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MIDLAND CREDIT MANAGEMENT XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Failure to Provide Required Written Notice Within XXXX  Days of Initial Contact To Whom It May Concern : I am writing regarding your recent communication with me on [ date XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a debt collector is required to provide a written notice containing the details of the alleged debt within XXXX ( XXXX ) days after the initial communication. 

To date, I have not received any written notice from your company that includes the required information : The amount of the alleged debt The name of the original creditor My rights to dispute the debt within 30 days My right to request verification of the debt My right to request the name and address of the original creditor Since you failed to provide the legally required XXXX written notice, you are in violation of federal law. Until proper notice is provided, you must immediately : Cease all collection activities, including phone calls, letters, and credit reporting ; and Provide the full FDCPA-required written notice. 

If you continue collection activity without complying with the FDCPA, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other applicable regulatory agencies. I also reserve my right to pursue all available legal remedies. 

I expect your compliance with the law. Please send the required notice to me in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with 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 2025-11-17 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 submitting this as my official dispute regarding the accounts noted. They are not connected to me, and I did not authorize their opening. I kindly request that they be investigated and deleted. Documentation is included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: NY

Complaint narrative:
Debt collector keeps calling with the name of XXXX XXXX demanding that I answer the phone as well as leaving messages for family members looking to obtain location information for myself. Additionally, they call multiple times a day, all hours of the day nights, weekends, exc and are harassing me. They keep mentioning that I am in possession of secured merchandise and are being predatory to try and collect from me without sending any proof that I owe debt.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Complaint Against Wells Fargo for Unauthorized Autopay, Breach of Hardship Program Terms, and Disrespectful Customer Service Details : I am submitting a complaint about Wells Fargos handling of my business line of credit ( ending in XXXX ). On XX/XX/XXXX of last year, Wells Fargo closed this line of credit without notice and, on the same day, set up an unauthorized autopay from my business account. This unauthorized autopay continued for an entire year without my knowledge or consent. 

As of that same date, Wells Fargo also froze all rewards tied to this line of credit, preventing me from accessing or redeeming rewards I had already earned. 

A week ago, I enrolled in a hardship program that set a scheduled payment of {$110.00}. Today, instead of honoring that agreement, Wells Fargo withdrew an additional {$88.00}, continuing the unauthorized autopay behavior. 

I contacted Wells Fargo multiple times. Their customer service staff repeatedly refused to take my complaint and insisted I had set up the autopay myself, which is not true. When I finally reached representative XXXX, she opened complaint XXXX, but only after I insisted. She refused to reverse the unauthorized withdrawal, and also refused to disclose the account closure date, which is necessary to determine how many unauthorized payments were taken. 

Their consumer advocate was extremely rude and dismissive, repeatedly insisting that the autopay could only have been created by me, despite the fact that Wells Fargo initiated it on the day they closed the account without consent. 

Desired Resolution : I request immediate CFPB intervention to ensure Wells Fargo : XXXX Reverses ALL unauthorized payments withdrawn from my account from the date of closure ( XX/XX/XXXX ) to the present, XXXX Reverses the most recent unauthorized {$88.00} withdrawal, XXXX Restores and releases all frozen rewards tied to this line of credit, XXXX Complies with the hardship program terms of {$110.00} per payment, XXXX Removes all unauthorized autopay settings, and XXXX Addresses the refusal of customer service to take my complaint, and the unprofessional, inaccurate, and obstructive conduct of their staff.

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 2025-11-17 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: IL

Complaint narrative:
I am submitting this complaint because my credit reports contain inaccurate and/or unverifiable information being reported by XXXX or more credit reporting agencies. I am requesting that these items be fully investigated in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and that any unverifiable or inaccurate information be permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NV

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 non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-17 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:
Im filing this complaint because Ive now disputed the same issue XXXX  with the credit bureau, and my personal information is still not being corrected. Im honestly frustrated at this point because Ive already provided proof of my correct address, and yet my credit report from XX/XX/XXXX is still showing multiple old and incorrect addresses and even XXXX being shown as my current address when it isnt. 

I really dont understand how this wasnt fixed the first time. Accurate personal information is the foundation of a correct credit file, and this is something the bureau is required to maintain under the FCRA. I gave everything needed to verify my current address the first time, but my file is still wrong. 

Heres whats still showing on my report that should not be there : Addresses that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer that should be deleted : XXXX XXXX XXXX last updated XX/XX/XXXX ) This is not correct and hasnt been correct for years. 

My real, current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already provided proof of this address in my initial dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 disputing inaccurate and potentially outdated information being reported by Equifax on my credit report. 
The following accounts are being reported as charged off, but I do not believe they are being reported accurately or verified in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported charged off on XX/XX/XXXX for {$180.00} I am requesting that Equifax verify the accuracy and complete documentation of this account. If the furnisher can not provide proper validation, I am asking for the account to be deleted from my credit file. 

Additionally, there are late payments being reported that I believe are inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a full investigation into these late payment notations to ensure they are accurate and properly documented. 

There are also recent inquiries appearing on my report that I do not recall authorizing : XXXX XXXX  Inquiry on XX/XX/XXXX Please investigate and remove any unauthorized or unverifiable inquiries in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-17 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: PA

Complaint narrative:
It is very upsetting to see that the same inaccurate accounts remain on my credit report even after everything I have submitted. I am pleading for a full and careful review of the documents I attached so I can finally have some peace of mind.

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