vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am disputing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any other late payments being reported by XXXX XXXX XXXX XXXX on a closed account ending in XXXX that was not sold, but instead internally assigned to a third party for recovery or administration. I was not properly notified of the closure, adverse action, or credit reporting. 

This derogatory reporting is inaccurate, misleading, and unfair, and appears to violate multiple consumer protection laws : Truth in Lending Act ( TILA ) : No clear billing disclosures or closure notifications were provided, as required by 15 U.S.C. 1637. 

Equal Credit Opportunity Act ( ECOA ) : XXXX XXXX failed to provide a written adverse action notice, violating 15 U.S.C. 1691 ( d ) ( 2 ).

Florida UDAP Law : This conduct violates Florida Statutes 501.204, which prohibits unfair and deceptive business practices. 

I respectfully request the removal of all late payments related to this account and correction of the credit report to reflect a fair, non-derogatory status. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-07-09 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:
b"Wells Fargo credit card department put on temporary restriction both of my credit cards for security reason  and or fraud on my account.\nI wanna be clear there is not fraud on my accounts what so ever, my accounts are in good standing and have both XXXX  balance.\nI called several times the phone number provided but they put me on hold and transfer me back and forth to different deparments which they have no clue at all and they are not able to give me a reason.\nI have one of this account since XXXX  and another one since XXXX. Now they wake up and they ask me for I don't know which more information. I want to complaing about the bad customer service provided by Wells Fargo customer service received and for the bad treatment received. Nobody never called me to tell me what's going on. I want these accounts to be unblocked because I have done nothing wrong. This is a mistake by Wells Fargo because I'm the legitime cardholder and I can provide all my personal identification like ID, PASSPORT, SSN CARD again like I when I been approved these accounts back in time.\nI ask CFPB to step in and help me with this issue because Im having hard time to deal directly with Wells Fargo because their customer service, help and support is very lack of professionality\n\naccount number # XXXX XXXX XXXX XXXX  WELLS FARGO XXXX VISA CARD\naccount number # XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian stated that I could cancel my membership at anytime. However, I have not been able to cancel online nor get in touch with a live agent. Due to not being able to get in touch with anyone, Experian is trying to force me to pay and keep a membership. Otherwise, I wont be able to access any of the free options thats supposed to come with my account, such as my credit 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 explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : RE : Immediate Action Required Violation of United States Law : TILA ( Truth in Lending Act - 15 U.S.C. 1666 ( b ) ( Billing Error ) and FCBA ( Fair Credit Reporting Act ( 15 U.S.C. 1681 ( n ) : ______________________________________________________________________ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] Upon recent review of my consumer credit report, I identified multiple serious billing errors in direct violation of the Truth In Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditors failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement issues by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid or unenforceable. 

I hereby demand immediate correction of the following violations : 1. Provide Verifiable Proof from the creditors original accounting records, not generic system notes showing that : A payment was missed, AND That a proper billing statement was provided according to law ( 21 days prior ), OR 2. Immediate Update all referenced accounts to Paid As Agreed on my credit profile.

Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ) against your institution for investigation.

If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX 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 2025-07-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because Experian, Equifax and TransUnion has falsely reported me as deceased on my credit report. I am alive and have already submitted a formal dispute, but the bureau responded that the information was verified as accurate, which is incorrect and harmful. 

As a result of this false reporting, my credit file is suppressed, I have no credit score, and I have been denied access to credit. This has caused financial harm and emotional distress.

I provided valid identification and proof of address to confirm that I am alive, yet Experian has failed to remove the deceased notation. I recently called their customer service and was told to file another dispute and wait 30 more days, despite the fact that I already went through the dispute process and proved the information was inaccurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate records and properly investigate disputes. Verifying a false deceased status without proper investigation is willful noncompliance and subject to legal consequences.

I am requesting that Experian immediately remove the deceased status from my credit file, reinstate my full credit profile and score, and provide written confirmation of the correction.

I am happy to provide ID, proof of address, and a signed affidavit confirming that I am alive.

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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: WA

Complaint narrative:
I am a legitimate seller on Mercari with XXXX five-star reviews who completed multiple sales transactions, shipped all items with tracking, and received positive buyer feedback. Mercari is now holding over {$500.00} of my earned payments and has limited my account.

The issue began when Mercari requested tax information. My ex-boyfriend initially submitted his tax information without my knowledge, which was rejected. I then provided my own correct tax information, which was accepted by the system.

However, Mercari is now demanding my ex-boyfriend 's ID verification to release MY earned payments. This creates an impossible situation because : I can not compel a third party to provide personal identification These are MY legitimate earnings from MY sales I have already provided my own correct tax information I fulfilled all seller obligations ( shipped items, received positive reviews ) Mercari 's payment processing system is effectively holding my lawfully earned money XXXX based on a requirement I can not fulfill. This appears to violate consumer protection standards for payment processing services. I completed all required seller actions and buyers received their items, yet Mercari refuses to release payments I legally earned. My store name is @ jazzyscollection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring oaks capital calling everyday sometimes twice a day sometimes multiple times throughout the day from different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX Account # XXXX I am unaware this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification. Please provide a copy CERTIFIED MAIL displaying my signature. If not please delete this from all credit agencies as soon as possible from account # XXXX from my credit report or I will take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding several unauthorized hard inquiries on my credit report, pursuant to my rights under ( FCRA ) and Texas consumer protection laws for identity theft and data breaches.. 

XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX  XXXX  XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : Requested On : 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 explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am disputing the accuracy of the following name and address listed on my credit report, which are incorrect and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5425 XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no affiliation with this name or address, and it does not reflect my personal information. I kindly request that this The incorrect name and address should be removed from my credit 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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