vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The Fraud Department called me around XXXX XXXX and ask if I had made a purchase of {$14.00} and I told them no and need to investigate. My account was paid in full and closed on XX/XX/2025. I received an email XX/XX/2025, stating that I owe {$200.00} and due on XX/XX/2025. WHY? They are harassing with emails. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-12 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report from the XXXX XXXX  credit bureaus : Equifax Below , I have outlined the accounts I believe to be inaccurate or incorrectly reported. These accounts are categorized into charged-off, inquiries, positive, and late payment entries. I request that you investigate and correct these discrepancies. 

Charged Off Accounts XXXXXXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries Late Payment Accounts XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX for failure to validate a debt under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a written request for debt validation via certified mail. XXXX XXXX responded only with a bill listing my name and amount owed, but no original contract, itemized charges, or proof of ownership of the debt as required by law. 

I then sent a second follow-up validation letter on XX/XX/year>, which was returned to me as Not able to deliver and never signed for. Despite failing to validate, XXXX XXXX continues to report this account to Experian and Experian lists the account as verified, even though no proper verification was provided. 

This violates FDCPA Section 809 ( b ) ( failure to cease collection without validation ) and FCRA Section 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverifiable information ). 

I am requesting the CFPB to investigate XXXX XXXX XXXX for improper reporting and noncompliance with federal law, and to have this unverifiable collection account removed from all credit bureaus until full documentation is provided.

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 2025-11-12 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: SC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX for failure to validate a debt under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a written request for debt validation via certified mail. XXXX XXXX responded only with a bill listing my name and amount owed, but no original contract, itemized charges, or proof of ownership of the debt as required by law. 

I then sent a second follow-up validation letter on XX/XX/year>, which was returned to me as Not able to deliver and never signed for. Despite failing to validate, XXXX XXXX continues to report this account to Experian and Experian lists the account as verified, even though no proper verification was provided. 

This violates FDCPA Section 809 ( b ) ( failure to cease collection without validation ) and FCRA Section 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverifiable information ). 

I am requesting the CFPB to investigate XXXX XXXX XXXX for improper reporting and noncompliance with federal law, and to have this unverifiable collection account removed from all credit bureaus until full documentation is provided.

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 2025-11-12 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:
Make sure all disputed accounts are cleared within the required legal period.

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 2025-11-12 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: CO

Complaint narrative:
I am disputing the following accounts that are incorrectly reported as charged off on my TransUnion credit report : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX, XX/XX/XXXX, {$670.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$77.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report with the three major credit bureaus. Please review the details and resolve these issues. 

CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} INQUIRIES : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-12 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:
Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report from the XXXX XXXX  credit bureaus : TransUnion. Below, I have outlined the accounts I believe to be inaccurate or incorrectly reported. These accounts are categorized into charged-off, inquiries, positive, and late payment entries. I request that you investigate and correct these discrepancies. 

Charged Off Accounts XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment Accounts XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-12 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: GA

Complaint narrative:
This account was previously deleted as fraudulent after an identity theft report was filed with the FTC. Experian has unlawfully reinserted the same account without providing written notice or valid verification from the furnisher as required under Section 611 ( a ) ( 5 ) ( B ) and Section 605B of the Fair Credit Reporting Act. This is a clear violation of federal law and my consumer rights. I am requesting the CFPB to review this matter and require Experian to remove the reinserted account permanently and provide confirmationinwriting.

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 2025-11-12 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-12 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian customer service line never let me speak to a live agent. They continually asked to verify my account with my old number. I am currently spending {$29.00} a month for a service I can not use.The last time I tried, was yesterday afternoon. My opinion is Experian wants your money, but doesn't want to talk to anyone.

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 2025-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows multiple inquiries that I do not recognize. I never gave permission to these companies to pull my credit report, nor did I apply for any credit with them. This is a clear violation of my rights as a consumer, and its extremely upsetting to see unauthorized access to my personal information. My life is already stressful enough, and this situation is only adding to that stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccuracies and incomplete reporting of certain accounts on my credit report, as provided by Experian ( EX ) The details of the accounts in dispute are as follows :

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Experian login and identityverification system failure ; automated phone process unusable I can no longer access my Experian account because the system no longer recognizes my Social Security number, date of birth, or phone number. 
As a result, I can not log in, and I can not reset my password or usernamethe verification questions consistently fail because Experians records appear mismatched or corrupted.

When I contact Experian by phone, the automated system refuses to transfer me to a human, only offers to send reset links that produce the same error, and then disconnects the call whenever I answer No to its closed questions. There is no accessible option for live assistance. 

This has left me completely unable to access my credit report, security freeze, or account information. The process is unacceptable, inaccessible, and effectively traps consumersand it would be especially harmful to anyone with a XXXX or limited technical ability. 

I am requesting immediate human assistance or escalation to Executive Customer Relations to verify my identity and restore access to my Experian account.

Summary of Issues : SSN / DOB / phone number no longer match Experians records.

Unable to log in or reset credentials.

Automated help lines disconnect ; no human assistance route.

Pattern of abusive and inaccessible automated practices.

I expect a prompt resolution and confirmation that my identity record is corrected and that I can again access my account securely.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
XXXX XXXX and XXXX of the fortiva account that is closed is still reporting on my credit profile. Account was closed XX/XX/XXXX. Company incorrectly published late payments for XXXX XXXX XX/XX/XXXX I called them to correct the issue customer service rep says he can see I made payments but unable to correct I must file with the bureaus. Please update to paid as agreed for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: INTEGRA SERVICING, LLC
State: FL

Complaint narrative:
XXXXINTEGRA is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXINTEGRA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation