vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am filing this complaint because I received communication from a company claiming to be collecting on behalf of XXXX XXXX XXXX XXXX, for {$210.00}, but I do not recognize this company, the alleged account, or the debt. I have never received any prior validation, documentation, or account information that would confirm this debt belongs to me. The collector contacted me by email and asked me to click a link to view a secure message, which raised concerns about legitimacy and potential fraud. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) require the collector to provide full debt validation, including : The name of the original creditor The account number The amount owed and how it was calculated Proof that the debt is legally mine Proof that the collector has the authority to collect it A detailed payment history Verification that the debt was not previously settled, paid, XXXX, or resolved At this time, I do not recognize the debt, and I can not confirm whether it is legitimate, belongs to me, or is a mistake. 

Until proper validation is provided, I am requesting that all collection activity cease.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
Wise.com at XXXX XX/XX/2023 have closed my account because I am from XXXX, XXXX, they have closed my account without any further notice, and they are holding my account balance XXXX USD at the business profile XXXX XXXXXXXX XXXX XXXX I have submit an appeal, the appeal got rejected after 2 days and they have told me that they are going to send any amount in my account balance to my bank account within XXXX working days, but since that till now they are holding my account balance and declare they are performing due diligence checks before send any amount to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: IL

Complaint narrative:
I receive notification on my credit report that a collection agency, Credit Control , LLC is reporting negatively to my credit report. 

I reached out to the credit collection agency at the number listed, and they could not find the collection account using my Social Security number. They provide me a phone number to different office who also can not find the collection account. That office provided me a phone number to a different Office who also did not find an account using my social security number. After much frustration, the representative asked if I had the account number of the original creditor. I provided the account number and she was able to find the account. 

I then asked why was I not made aware of the debit. The representative said they were calling XXXX numbers and email. When she provided me the numbers and email, I realized they have been reaching out to my son with the same name who has not lived in my home for over 10 years. Because I am familiar with collection practices, i stated to the representative that credit control most likely uses a skip trace tool. I then asked why didnt they simply mail me a letter, the representative stated the dont mail correspondence. 

The representative also stated that the information they have in their files was provided by the original creditor, which is 100 % false. I confirm with the original creditor the information provided to the credit agency was my correct email and mailing address. 

When I asked the representative to remove the negative reporting on my credit report due to their lack of communication with me being able to dispute validity of the debt which has been already been paid, they refused. 

This company used skip trace to try and reach me instead of mailing a letter or sending an email provided by the original creditor.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a check for {$12000.00} at Regions Bank XXXX XXXX XXXX, Texas. At the time of deposit, I was provided with a written partial hold notice stating that {$5400.00} would be held until XX/XX/year>. This notice complied with XXXX XXXX timing requirements. 

The next morning, XX/XX/XXXX, Regions imposed a full {$12000.00} hold without issuing the required written notice. Regions admitted in writing that the official notice would be mailed XXXX business days later, which violates XXXX CFR XXXX ( g ) and XXXX ( d ). 

Regions then sent a second notice retroactively changing the reason for the hold from checks exceed {$6700.00} to account has been overdrawn repeatedly, in violation of XXXX CFR XXXX ( c ) ( XXXX ) and XXXX ( a ). 

Cleared Funds Being Held Illegally On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk ( XXXX XXXX ) confirmed the check cleared on XX/XX/year>, meaning Regions has possessed collected funds since that date. Holding cleared funds until XX/XX/XXXX violates : XXXX XXXX XXXX Funds must be made available after payment XXXX XXXX XXXX ( XXXX ) Banks XXXX not impose unreasonable delays XXXX XXXX XXXX ( h ) Exception holds can not apply once a check has cleared

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Using Zelle, I attempted to purchase a football ticket from a seller. 

We made a deal and I transferred the money. Now the seller is withholding my money and saying she will not adhere to the deal. 

She will not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint because multiple accounts and personal information reported to the credit bureaus are inaccurate, unverifiable, and misleading, resulting in harm to my credit profile. These furnishers and credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602, 607 ( b ), 609, 611, and 623. 

Incorrect Personal Information Reported The following addresses are being reported on my credit file, and I have never lived at or used these addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address Under FCRA XXXX and XXXX, inaccurate identifiers that do not belong to me must be removed, as they create the appearance of identity confusion and XXXX be contributing to inaccurate reporting. 

Inaccurate and Unverifiable Account ReportinXXXX XXXX XXXX XXXX XXXX XXXXgh Balance : {$1700.00} Date Opened : XX/XX/XXXX Status Reported : Late Payment This account is reporting late payments, which is false. I have never made a late payment on this account. Under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ), furnishers must maintain accuracy, and reporting false derogatory information is a clear violation. 
I am demanding immediate investigation and correction of this inaccurate payment history. 

XXXXXXXX XXXX XXXX XXXXccount XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Status : Charge-Off I am disputing this account as I have no knowledge of this account, and I do not acknowledge owing this debt. Under FCRA XXXX ( a ) ( XXXX ) ( A ), I am requesting validation proving this account belongs to me. If the furnisher can not provide original signed contract, full payment history, and legal chain of ownership, this account must be removed as it is unverified and inaccurate reporting. 

Requested Action I am requesting the CFPB enforce my rights under federal law and require : Removal of the incorrect addresses Correction of inaccurate late payment reporting on XXXX account Full validation or deletion of the XXXX XXXXXXXX XXXX charge-off account Written confirmation of resolution Conclusion These inaccuracies have caused significant damage to my credit standing and financial opportunities. I expect full compliance with federal law. Failure to validate, correct, or delete inaccurate data is a direct violation of the FCRA and will result in additional actions if not resolved. 

Thank you for your time and attention. I expect a written response and resolution within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account XXXX : XXXX XXXX. CXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY PULLED UP MY CREDIT REPORT AND I SEE INACCURATE ACCOUNTS THAT ARE NOT OK, AND ARE NOT RELATED TO ME, I HAVE MADE A LIST WITH ALL THE INACCURATE ACCOUNTS THAT I WANT THEM TO BE DELETED OF MY REPORT, I AM IN THE PROCESS OF GETTING A NEW HOME WITH MY FAMILY FOR MY DAUGHTER, PLEASE REVIEW ALL THE ACCOUNTS AND DELETE THEM THANKS.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous informatio

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous informatio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief