vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: MD

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
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
XXXXI sent a certified letter to Equifax on XXXX  via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to Equifax in XXXXGA on XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Equifax  ignored my request and I proceeded to send another letter on XXXX They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX  the balance is $XXXX  and account number is XXXX\n2. XXXX XXXX the balance is $XXXX  and account number is  XXXX XXXXXXXX the balance is $XXXX  and account number is  XXXX XXXX XXXXXXXX the balance is $XXXX  and account number is XXXX XXXXXXXX XXXX the balance is $XXXX  and account number is XXXX XXXX the balance is $XXXX  and account number is XXXX XXXX balance is $XXXX  And account number is  XXXXXXXX XXXX XXXX balance is $XXXX  And account number is XXXX XXXX balance is $XXXX  And account number is  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I reviewed my credit report today as I normally do, but this time I noticed unexpected discrepancies. I even tried refreshing the page thinking it might be a temporary glitch, but the errors remained. These inaccurate accounts did not disappear. Because of this, I kindly ask that the documents I submitted be carefully reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

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 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 2025-07-25 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-25 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-07-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-25 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:
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 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 2025-07-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX With a balance of {$590.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$330.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am submitting this formal complaint for your immediate review regarding an ongoing issue involving Westlake Portfolio Management, Original loan XXXX XXXX XXXX  The actual service provider Westlake Portfolio Management Current loan servicer Summary of Complaint : A loan was initiated under the name XXXX, and funded through Covered Care, for what was believed to be legitimate services related to marketing and coaching offered by XXXX XXXX. However, this transaction was misrepresented from the start : No medical services were involved, yet the loan was facilitated under a platform designed for medical procedure financing. XXXX XXXX failed to deliver the services promised, abandoning the project after receiving the funds. I was locked out of all communication channels, including their XXXX platform, and left without the services that were contracted and funded. Despite providing extensive proofincluding written admission from XXXX XXXX XXXX acknowledging failure to deliverCovered Care refused to cancel the loan and instead passed it to Westlake Portfolio Management for servicing and collections. Westlake Portfolio Management is now attempting to collect on a loan for services that were never rendered, further compounding the financial harm and injustice. Violations and Grounds for Action : This situation involves potential violations under multiple consumer protection laws, including but not limited to : The Truth in Lending Act ( TILA ) Misclassification of the loan type and misleading loan purpose The Consumer Financial Protection Act ( Dodd-Frank, Title X ) Unfair, deceptive, and abusive acts or practices ( UDAAP ) The Fair Credit Billing Act ( FCBA ) Charging for services not delivered Federal Trade Commission Act False advertising and misrepresentation Covered Cares role in financing a non-medical transaction under false pretense, XXXX XXXX failure XXXX deliver, and Westlake Portfolios active servicing of a loan based on a fraudulent and invalid agreement, all present significant violations that demand CFPB intervention. Requested Resolution : Immediate investigation into the relationship between these entities Formal cancellation of the loan based on non-delivery and misrepresentation Consumer redress and protections from collection activity Penalties or sanctions where appropriate Attached you will find supporting documentation, including communications with all parties involved, proof of service failure, and attempts to resolve this matter directly. I trust the CFPB will review this matter seriously and initiate a thorough investigation into this troubling and unlawful business conduct. Sincerely, XXXX XXXX XXXX [ Phone Number ] XXXX Loan Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint because Midland Credit Management is reporting a debt of {$840.00} on my credit report. I requested full validation under FCRA 609 ( a ) ( 1 ) and FDCPA 1692g, including documentation from the original creditor. To date, no such validation has been provided.

Additionally, I did not receive a proper validation notice within five days of initial contact, as required by law. Despite this, the company continues to report this alleged debt. 

Without verification, continued collection or reporting violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request immediate removal of this unverified account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX incorrectly and deceptively reported two new collection accounts to my credit report, both labeled as utility accounts opened in XX/XX/XXXX and already 30 days late. These were added to my XXXX  report on XX/XX/XXXX. I have not had an active account with the utility company ( XXXX XXXX XXXX ) since early XXXX, and XXXX XXXX XXXXXXXX confirmed the account was closed. I never received a validation notice, bill, or any communication from XXXX XXXX prior to the reporting. 

I disputed both accounts with XXXX. XXXX ( {$80.00} ) was removed, but the larger XXXX ( {$1800.00} ) was not. Despite this, both accounts were just added to my TransUnion report as well. 

When I attempted to dispute through TransUnions online portal, I was locked out by a system error. This has happened repeatedly, and Ive received an error message stating they are unable to fulfill my request. This prevents me from exercising my rights under the FCRA to dispute inaccurate information. 

I filed a dispute through XXXX XXXX, and plan to file via XXXX once I regain access to my report ( currently waiting the required 1-week delay ). But I should not be blocked from disputing directly through TransUnions own platform. 

XXXX XXXX has failed to meet basic legal requirements for debt validation, and both they and TransUnion are now blocking me from addressing this harmful, possibly fraudulent reporting. 

I request that these collections be removed not only from XXXX  and TransUnion but also from all other credit reporting agencies ( including XXXX  ), and that XXXX XXXX immediately cease reporting this alleged debt to any credit bureaus until it can be properly validated and verified. 

Im requesting full removal of both collections and an investigation into how this information was verified and reported.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX sent a wire transfer to my account in XXXX at XXXX. Bank of NY Mellon was the intermediary bank. The wire has not arrived and I asked XXXX XXXX XXXX to initiate a trace of my funds on XX/XX/2025. According to XXXX, XXXX is not responding to 3 requests from XXXX to find my wire. XXXX believes the wire to be with XXXX in a suspense account. The total amount of the wire is {$7400.00}. I have attached the email from my pension provider detailing the issues with XXXX. On the bottom of the letter, I have included the FED Transaction ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-07-25 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
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
Consumer complaint received 2025-07-25 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: DC

Complaint narrative:
My Federal Student Loans from the US Department of Education were discharged. See attached the document. Please delete the Federal Student Loans account 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 2025-07-25 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: OH

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Wednesday XX/XX/year>XXXX  I tried to open a checking account, but was denied due to another person already having an account open with Wells Fargo using my social security. I have tried to open an investigation and get additional help. No branch manager or associate has been willing to help me and it seems like there is no urgency in this serious matter. I have gone to multiple branch locations to find help and everyone is busy and has " meetings ''. I definitely understand other people have requested specific time to meet, but surely an urgent matter like this takes precedent. I have reached out to the Fraud department and was instructed to go into a branch to receive help claiming they would and should be able to give more information. I am formally writing a complaint against this to get additional help and support in 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