vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Account WAKEFIELD AND ASSOCIATES ( XXXX  XXXXXXXX XXXX XXXXXXXX XXXX ), I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with receipt displaying my signature. If not, please delete account WAKEFIELD AND ASSOCIATES ( XXXX  XXXX XXXX XXXXXXXX XXXX ) as soon as possible from the report or I will have to take legal action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX  - Account # XXXX Amount : {$480.00} XXXX  XXXX - Account # XXXX Amount : {$470.00} XXXX - Account # XXXX Amount : {$700.00} XXXX XXXX XXXX - Account XXXX XXXX Amount : {$170.00} XXXX XXXX  - Account # XXXX Amount : {$330.00} XXXX  - Account # XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding suspected consumer fraud by the merchant XXXX XXXX, from whom I placed an online order on XX/XX/year>, totaling {$83.00}. The order was supposed to include three bodysuits and two full-body short bodysuits. I have not received the items to this day. 

Despite multiple attempts to resolve the matter directly with the company, they have failed to communicate, provide any delivery update, or offer a refund. Here is a summary of the issue and the steps I have taken : Merchants Failure to Fulfill Order Order placed : XX/XX/year>, for five clothing items. 
Shipment never received. There was no delivery to my address. 
No tracking update or correspondence provided from the merchant. 



Unresponsive Customer Support Emails sent : XX/XX/year>, XX/XX/year>, and XX/XX/year> No responses received. 
Phone calls made : XX/XX/XXXX and XX/XX/XXXX The customer service number rings twice and then goes silent. There is no voicemail, no automated system, and no representative to speak with. 



Shipping Carriers Confirmation of Misdelivery After my initial claim was denied by my bank ( Wells Fargo ), I contacted the shipping carrier, XXXX, on XX/XX/year>. 
XXXX confirmed in writing that the package was misdelivered and did not reach my address. 
I was advised by Wells Fargo to follow up with the carrier, which I did, and have attached the email correspondence as proof. 



Merchant Misrepresentation to XXXX  I was also informed by a Wells Fargo claims manager that XXXX XXXX responded to XXXX  and claimed that the package was delivered, supported by XXXX. However, XXXX  does not confirm successful delivery to my homeespecially when the carrier admits the package was misdelivered. 



Why I Believe This Is Consumer Fraud The merchant is : Failing to deliver the goods paid for, Providing no customer service or assistance to resolve the issue, Avoiding accountability by misrepresenting the delivery status to financial institutions, Ignoring multiple customer inquiries, both written and by phone. 

This conduct is deceptive and unethical. It leaves consumers like myself without protection or recourse when a merchant refuses to act in good faith.

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 2025-04-22 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: CT

Complaint narrative:
XXXXThey did that twice to me and Im using the same exact bank to pay for everything\nUpon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account: [XXXX XXXX XXXX], [Account number XXXX XXXX XXXX XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. Also, I contact them several times to fix this issue and he said they were going to work on it, but didnt after back-and-forth on a phone calls they said Payments got returned from your bank, which is the same bank. Im using it to do the payments. If unable to furnish such proof From my bank to show that my bank refusing to pay them, I demand that these payments be promptly updated to reflect their true status'

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 2025-04-22 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: CT

Complaint narrative:
XXXXThey did that twice to me and Im using the same exact bank to pay for everything\nUpon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account: [XXXX XXXX XXXX], [Account number XXXX XXXX XXXX XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. Also, I contact them several times to fix this issue and he said they were going to work on it, but didnt after back-and-forth on a phone calls they said Payments got returned from your bank, which is the same bank. Im using it to do the payments. If unable to furnish such proof From my bank to show that my bank refusing to pay them, I demand that these payments be promptly updated to reflect their true status'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
I had an auto loan through XXXXXXXX XXXX XXXXXXXX XXXX XXXX that I opened in XX/XX/XXXX. Due to financial hardship and the birth of my child, I was no longer able to make payments in early XXXX. I contacted the lender and voluntarily surrendered the vehicle. The lender later sent me a letter dated XX/XX/XXXX, stating that they had possession of the vehicle and planned to sell it after XX/XX/XXXX. 

I have not made any payments on this loan since XX/XX/XXXX. However, Equifax is incorrectly reporting a Date of Last Payment as XX/XX/XXXX. That was not a payment made by me. It appears to reflect either the auction proceeds from the surrendered vehicle or an internal application of funds, neither of which should be classified as a consumer payment. 

Equifaxs own report shows the Date of First Delinquency as XX/XX/XXXX and the Date of Last Payment as XX/XX/XXXX. Despite that, they continue to report the XX/XX/XXXX date throughout the account history, along with ongoing delinquency statuses through XXXX and XXXX, which misrepresents the status of this account. 

I have disputed this multiple times with Equifax. They claim the reporting is accurate, but I have not received any documentation proving that a payment was made by me on XX/XX/XXXX. I am asking for a correction to reflect the last actual consumer payment ( XX/XX/XXXX ), the appropriate closure of the account, and removal of post-closure delinquency history. TransUnion has reported this same account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-04-22 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: WV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-22 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: IN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$200.00} XXXX XXXXXXXX XXXX XXXX  - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * * * * XXXX - XX/XX/XXXX - {$20000.00} XXXX XXXXXXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$4100.00}

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 2025-04-22 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: TX

Complaint narrative:
This complaint is a follow-up to a previously submitted CFPB case regarding TransUnions continued reporting of an inaccurate and unverifiable charge-off from XXXX XXXX XXXX. TransUnion acknowledged the dispute but failed to correct or remove the account, despite providing no verification that the debt remains valid or collectible.

Despite my previous complaint, TransUnion has failed to address the core legal violations and factual inaccuracies related to the XXXX XXXX XXXX tradeline. While they updated some superficial fields ( e.g., date closed and rating ), they did not resolve the following : 1. I have never received a 1099-C form, which is required under IRS Code 6050P if the debt was canceled.

2. TransUnion has not provided any documentation or verification from the furnisher XXXX XXXX XXXX  XXXX XXXX confirming the legal validity of the charge-off or confirming that the balance is still collectible.

3. They have continued to update the last reported date repeatedly, which has artificially and repeatedly damaged my credit score.

4. The balance is still being reported despite XXXX possibly no longer pursuing collection without a 1099-C or valid proof of ownership, this is misleading and a violation of federal law.

Applicable Legal Violations : * FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s2 ( a ) ( 2 ) ] Inaccurate information must be updated or corrected.

* FCRA 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted.

* IRS Code 6050P If a debt is canceled over {$600.00}, the lender must issue a 1099-C to the consumer and the IRS.

Attachments : * PDF of the Final Certified Dispute Letter sent to TransUnion * Screenshot of TransUnions updated file showing continued charge-off status * A copy of my credit report showing the reporting

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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I called Caine and Weiner on XX/XX/XXXX, after seeing a debt collection trade line in the amount of {$170.00} for a XXXX XXXXXXXX account on my credit report. I told them that i paid the debt in full for the insurance of my boat, and I asked them to go back to XXXX and verify the balance of the account. I called back on XX/XX/year>, asking if there was updates regarding this account since my last phone call and if the account was marked disputed. The representative clearly stated that the account was not marked as disputed, and the the account needed to be disputed in writing, and that they do not take disputes over the phone. 

Considering that no one told me this during the first phone call, this collector used false, deceptive and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-22 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-22 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$980.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$260.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief