vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: RI

Complaint narrative:
On XX/XX/year>, I requested immediate correction or deletion of accounts pertaining to, myself, XXXX XXXX, related to an account. The documentation that was requested by me regarding this account, that wasn't received, were the following : - I requested that the accounts listed above be reviewed and corrected or deleted in their entirety, ensuring compliance with all applicable laws and fiduciary duties. 
- If corrections or deletions are not made, I demand access to all pertinent information, including but not limited to : - All accounting information and financial instruments related to these accounts. 
- Proof of authority over the accounts or the estate. 
- Details and identification of all parties involved in any investigations or proceedings concerning these accounts or the estate. 
- Any and all documentation supporting the current status or actions taken regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: RI

Complaint narrative:
On XX/XX/year>, I requested immediate correction or deletion of accounts pertaining to, myself, XXXX XXXX, related to an account. The documentation that was requested by me regarding this account, that wasn't received, were the following : - I requested that the accounts listed above be reviewed and corrected or deleted in their entirety, ensuring compliance with all applicable laws and fiduciary duties. 
- If corrections or deletions are not made, I demand access to all pertinent information, including but not limited to : - All accounting information and financial instruments related to these accounts. 
- Proof of authority over the accounts or the estate. 
- Details and identification of all parties involved in any investigations or proceedings concerning these accounts or the estate. 
- Any and all documentation supporting the current status or actions taken regarding these accounts.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused ongoing stress and disrupted my sleep. I have enclosed all proof for verification and ask for its immediate removal.

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 2025-10-19 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:
Please remove this unapproved inquiry immediately. I did not authorize it and have no connection to the creditors in question.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report shows an account with XXXX XXXX ( account ending in XXXX ) that is reported incorrectly on my credit reports from Experian, Equifax, and TransUnion. The account appears as active/open or shows late payments that are not accurate. 

I previously submitted written disputes to XXXXXXXX XXXX  and to the credit bureaus on [ insert date you sent your letters ], explaining that the account information is incorrect. I also included supporting documents such as payment receipts, bank statements, and copies of correspondence. 

Despite my disputes, the account still appears incorrectly on my credit reports, and neither the company nor the bureaus have provided any valid proof to support the reported information. 

I am requesting that XXXXXXXX XXXX  and the credit bureaus investigate and correct the account information or remove the account from my credit reports if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
I am disputing a collection account that is being reported inaccurately. The details of the account are : Creditor : XXXX XXXX XXXX Balance : {$170.00} Date Opened : XX/XX/year> Status : Collection On my Equifax credit report, the original creditor is listed as No Info. On my TransUnion credit report, the original creditor is listed as XXXX XXXX XXXX XXXX. This is a clear inconsistency. 

Under the Fair Credit Reporting Act ( FCRA ), information on credit reports must be accurate and complete. Reporting a collection account without the original creditor is incomplete and makes the account unverifiable. 

Because the information is not being reported accurately, I am requesting that this collection account be deleted immediately from my credit file. If the furnisher can not fully verify the original creditor information, this account must be removed as required by law. 

Please complete your reinvestigation and send me written confirmation of the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Dear CFPB, I am writing to formally submit a complaint against Global Lending Services regarding my account, which I believe is being reported inaccurately and unlawfully under the Fair Credit Reporting Act ( FCRA ). 

As required under the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), I am requesting validation of a debt that Global Lending Services claims I owe. Attached to this complaint is my written validation request, which outlines the specific documents that Global Lending Services must provide to prove the debt is valid and legally collectible. These documents include : 1. Proof of ownership of the debt via purchase agreement.

2. A detailed breakdown of the amount claimed.

3. A copy of the original agreement bearing my signature.

Additionally, pursuant to Section 623 ( 15 U.S.C. 1681s-2 ), I want to ensure that my right to dispute the information reported to credit bureaus is protected. I am submitting this request through the CFPB to guarantee that Global Lending Services receives my validation letter and is held accountable for responding in a timely and lawful manner. 

Failure to respond to these requests, or to provide the necessary documentation, will indicate non-compliance with the FCRA, which protects consumers against inaccurate reporting and requires that creditors maintain accurate records. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my consumer rights are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: CA

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

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I am disputing XXXX collection accounts that do not belong to me. These accounts are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX and appear on my XXXX XXXX and XXXX credit reports. I have never had any accounts, loans, or relationships with either company or with the original creditors they claim to represent. 

I first noticed these collection accounts on my credit reports in [ month/year you noticed them ]. I contacted both the collection agencies and the credit bureaus to dispute the accuracy and requested verification of these debts under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Despite my dispute, neither company has provided proper validation of the debts, and the accounts remain on my credit reports. These accounts are inaccurate, unverifiable, and causing harm to my credit. Under the FCRA, only information that is accurate, complete, and verifiable may be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations Dear Transunion, I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field XXXX ) and Payment Rating ( XXXX ) fields are inconsistent with the required coding for charge-off accounts ( Status XXXX with matching L rating ). - The Date of First Delinquency ( Base XXXX ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). 
- The XXXX XXXX XXXX ( XXXX XXXX ) does not accurately reflect the delinquency timeline that led to charge-off. 
- If this account involves foreclosure or deed-in-lieu, it has been incorrectly reported with Status XXXX after foreclosure, which Metro 2 strictly prohibits XXXX 
- These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. 
Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file.

Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. 
Please provide written confirmation of deletion or correction within XXXX  days of receipt of this letter, as required by law. 
Sincerely, XXXX XXXX Optional Add-On Paragraphs : Re-Aging Violation : The XXXX has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). 
XXXX XXXX : A charge-off ( Status XXXX ) was reported after foreclosure ( XX/XX/year> ), which violates Metro 2 reporting standards. 
Incorrect Status/Payment Rating : The Status XXXX is not paired with the required XXXX Payment Rating or correct XXXX  history, making this tradeline 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 non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good afternoon, On the morning of XX/XX/XXXX at about XXXX I had received a notification that my Wells Fargo credit card had been charged to a website that I was not familiar with called launch gift XXXX XXXX for the purchase of gift cards through door dash. Those two amounts being XXXX and XXXX}. My bank recognized the smaller of these two as being considered fraud however the larger of the two amounts that being for XXXX} went through as a valid transaction. The second I received this notification of fraud I called my bank Wells Fargo to which I believed that they would assist with handling my claim and have it resolved as I indicated that I did not make these transactions on my account. I then received a follow up letter in XXXX indicating that launch gift cards presented sufficient information to declare that this was a valid transaction and therefore Wells Fargo was closing my claim and any follow up action to receive the money that was taken would need to be handled by XXXX XXXX XXXX. Wells Fargo then presented me with a telephone number that goes straight to voicemail with no chance to speak to a representative to resolve this issue with launch gift cards. And a email for launch gift cards to which I emailed numerous times on XX/XX/XXXX that states I would have to then reach back out to Wells Fargo to resolve my issue. So in turn both vendors are essentially giving me the runaround making it nearly impossible to receive my {$230.00} for a fraudulent purchase on my account. I was then provided the claims folder for which Wells Fargo closed my claim because they stated that launch gift cards had sufficient info to believe that this was a valid transaction. After review of the claims folder I can see that someone had stolen my information including email, card number, and living address information. However, I did notice that the purchase I : P address was nowhere near where I lived with the I : P address residing in XXXX XXXX to which I live in XXXX XXXX XXXX. I presented this to Wells Fargo to which they said there is nothing they can do as the claim has already been closed and again to which they referred me back to Launch Gift Cards to which I never receive a resolution. Due to this above information, I am untrusting of my bank for the lack of investigation on this matter, especially after I presented sufficient information to prove that this transaction was fraudulent.

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 2025-10-19 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  ( XXXX ) for repeated account restrictions, improper billing practices, and ongoing servicing failures that violate multiple federal consumer protection laws. 

This is the third occurrence of an extended and unjustified account lockout. The most recent began on XX/XX/year>, and despite repeated assurances that access would be restored within 57 business days, the account remains frozen over a month later. I was explicitly instructed that paying the minimum balance would restore access. I complied in full, yet the account remains restricted and unusable. 

During this most recent lockout, XXXX  assessed a late fee even though the account was completely inaccessible, preventing me from making a timely payment through normal channels. This practice constitutes a violation of : The Fair Credit Billing Act ( 15 U.S.C. 1666 ) by failing to provide an accurate and fair means to make payments and by imposing charges when access was denied ; Regulation Z, 12 C.F.R. 1026.12 & 1026.13, which prohibits creditors from billing for transactions or fees not properly made available to the consumer ; The Consumer Financial Protection Act, 12 U.S.C. 5531 ( UDAP ) for engaging in unfair and deceptive practices that caused substantial harm without reasonable justification. 

XXXX  and XXXX have demonstrated a pattern of systemic servicing failures. During a prior lockout, I was mailed a letter stating my replacement card had been shipped, only to later be told that no record existed. When a card was finally sent, it was issued in the wrong color the same issue that occurred again on reissue. These repeated administrative errors have caused unnecessary delays and confusion. 

Most significantly, because of Geminis repeated system lockouts and mishandled servicing, I was prevented from reaching the {$3000.00} spending threshold required to receive the {$200.00} promotional bonus that was advertised at account opening. This constitutes a deceptive promotional practice under XXXXegulation Z ( Truth in Lending ) and UDAP standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On or about XX/XX/XXXX I discovered that I had no access to my bank account, HUNTINGTON BANK. Both accounts were closed with no notice given to me. I spoke with XXXX different branches trying to find out why my accounts were closed and to get my money returned. In the mean time I had payments that I was unable to make and late fees piling up. To this date, XX/XX/XXXX I have no answers and they have not returned my money. I am poor, I committed no wrong doing. This is cruel and unwarranted bullying just because they can. 
I have made multiple calls and everyone tells me, " its being mailed ''. XXXX month later, nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV Funding LLC is reporting a collection account that is inaccurate and unverified. I made payments previously, but they continue to attempt collection and report a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit reports from all three bureaus and I noticed that there were several items that were incorrect and I requested for them to be removed. all inquires I never give the credit permission to pull my credit and the I never gave the court NexisLexis permission to report my bankruptcies on there report and on the other three credit bureaus, I submitted a letter from court stating they never gave information the Nexislexis to report my bankruptcies and the account that was included on my bankrupties are still show on some of the credits bureaus. And for TransUnion I was in the settlement and received a check for the incorrection on bureau but the never removed any of inquiries and or accounts.

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