vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XXXX XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$92.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$580.00} * * Inquiries * XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/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 2025-12-03 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: OH

Complaint narrative:
XXXX XXXX is reporting a charge-off on my credit report with conflicting, inaccurate, and misleading information. TransUnion and Experian show different status remarks, including charged off as bad debt, unpaid balance reported as loss, and in dispute resolved, even though I previously disputed the account. This violates the FCRA because the information is not complete, not consistent, and not being reported with maximum possible accuracy, which is required under FCRA 607 ( b ). XXXX XXXX also failed to conduct a lawful investigation under FCRA 611 ( a ). The continued reporting of inconsistent derogatory data has caused ongoing credit harm. 

XXXX XXXX XXXX is reporting a large auto loan charge-off only to TransUnion, while not reporting anything to Experian or XXXX. Furnishing negative information to XXXX bureau but not to others creates an incomplete and misleading consumer file, violating FCRA 607 ( b ) ( accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish complete and accurate information ). Prior disputes were not properly investigated, and no verification was ever provided. The file is inaccurate and incomplete, causing reputational and credit damage. 

XXXX XXXX XXXX is reporting a {$680.00} collection with false, contradictory, and misleading information. The account is labeled as customer disputed, yet still reported as seriously past due and assigned to collections. This violates FDCPA 807 ( 2 ) ( A ) ( misrepresenting debt status ), FDCPA 807 ( 8 ) ( false credit reporting ), and FDCPA 809 ( b ) because XXXX continued reporting without validating the debt. It also violates FCRA 623 ( a ) and 607 ( b ) for furnishing inaccurate and incomplete information. XXXX has never provided validation, chain-of-custody proof, or proper dispute handling.

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 2025-12-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company Name : Wells Fargo Bank Product : Credit card Issue : Bank 's Contract Breach with problems with how the bank handled my dispute or claim. 

I am filing a new complaint against Wells Fargo for its failure to conduct a proper and impartial investigation into my chargeback claim # XXXX. Wells Fargo has breached its contract with me by failing to fulfill its responsibility to investigate an erroneous transaction in good faith, as required by consumer protection regulations. 

The original chargeback was related to a transaction with XXXX XXXX XXXX XXXX. The merchant engaged in deceptive sales practices and violated the FTC 's Cooling-Off Rule by beginning installation during the 3-day cancellation period. My original communications to Wells Fargo clearly outlined these issues. 

Wells Fargo 's resolution, communicated through the CFPB portal on XX/XX/year> demonstrates a clear failure to investigate these claims. The bank : Ignored my allegation of deceptive sales tactics : It accepted the merchant 's claim that the system was working as intended, despite evidence that the system was sold under false pretenses. 
Ignored the violation of the Cooling-Off Rule : It based its refusal on the merchant 's policy, completely disregarding the federal regulation that prohibits installation during the 3-day cancellation period, which I had informed them about. 
Refused to hold the merchant accountable : It accepted a service fee for operational instructions as a sufficient resolution, even though my complaint focused on the deceptive sales and installation process. 
By failing to properly investigate the merchant 's illegal and deceptive conduct, Wells Fargo has acted in bad faith and has failed to meet its obligations to protect a consumer from an unfair business practice. I request that the CFPB formally investigate Wells Fargo 's handling of this dispute and compel the bank to reverse the charge.

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 2025-12-03 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: MI

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required bylaw on my consumer 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 2025-12-03 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX Spring Oaks Capital is attempting to collect a date in which i have no contract signed with them and intends to leave this report on my record untill next year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had stolen cell phone and who someone stole my phone use XXXX XXXX to buy crypto so, I reported immediately. And they said you are good to sit no action required. But today they denied without asking any further questions! Seems like This bank dont want to service to customers. 

The bank name is Bank of America

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
Upon reviewing my TransUnion credit report, I discovered the following inaccurate accounts and am disputing them for correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I discovered the following accounts, which I believe contain inaccuracies. I am disputing these items and request a correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Issue : Missing funds after migration from XXXX  to Credit Karma Money Company : Credit Karma XXXX XXXX XXXX XXXXXXXX XXXX for Credit Karma Money Description : I had money saved in the XXXX  app prior to its shutdown in XXXX. XXXX transferred user funds to Credit Karma Money when the service was discontinued. My funds were moved, but I have been unable to find or access them through Credit Karma since that migration. 

I attempted to withdraw the money multiple times beginning last XXXX, but the balance does not appear in my Credit Karma Money account. Customer support has not resolved the issue and I have not been told which partner bank is holding the account. 

I am filing this complaint because : Funds that were previously visible in XXXX are now missing. Regret not withdrawing the funds as i trusted that Credit Karma is a reputable institution. 

Credit Karma has not provided a clear explanation of where the money went. Since XX/XX/year>, i have been transferred from one customer rep to another without a resolution. 

I can not access, withdraw, or even locate the funds. 

This has been ongoing for an extended period XX/XX/year> with no resolution. 

I am requesting that Credit Karma and its partner bank identify where my XXXX balance was transferred, restore my access to the funds, and allow me to withdraw the money. 

Requested Resolution : Locate the missing funds, restore access to my account balance, and provide withdrawal capability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

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 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 2025-12-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN Experian XXXX XXXXXXXX XXXX XXXX, TX, XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 




I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I am writing to formally document the ongoing dispute regarding the debt claimed by Zions Debt Holdings. 

I have submitted formal disputes concerning this account on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

The basis for my consistent dispute is : I do not owe the claimed balance of {$1500.00}. 

I have never signed a contract or agreement with Zions Debt Holdings concerning the alleged debt originally associated with XXXX XXXX XXXX. 

Furthermore, I have been in direct contact with XXXX XXXX XXXX. A representative confirmed that they have updated their internal system and formally notified Zions Debt Holdings that the original account, with a balance of {$510.00}, was included in the documentation provided by my bankruptcy attorneys and is listed in my active XXXX  XXXX Bankruptcy case. 

Any collection efforts concerning this account should cease immediately, given its legal status within the bankruptcy proceedings. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX  is reporting an LVNV Funding LLC account that was dismissed in court and is not legally owed, but they continue to verify it as accurate. 


I have disputed this LVNV Funding LLC account with XXXX  multiple times. The account should not be reported because it was dismissed by a judge in Case XXXX on XX/XX/year>. I provided XXXX  with the official dismissal paperwork from the Justice Court. 

Despite this, XXXX  has repeatedly marked the account as verified without correction. They have now reopened the investigation only because I called by phone, but this is the fourth or fifth dispute I have submitted. The account continues to report inaccurately. 


Under the Fair Credit Reporting Act, a credit reporting agency must : Conduct a reasonable reinvestigation after a consumer dispute. 

Delete or correct information that can not be verified or has been proven inaccurate. 

I provided official court documentation showing the account was dismissed and is not legally owed. XXXX  repeated verification without updating or removing the account indicates a failure to conduct a reasonable investigation as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am a victim of identity theft. I notice there were unauthorized hard inquiries on my consumer report. I disputed the unauthorized hard inquiries that appears on my credit report with the credit bureau Experian, XXXX XXXX XXXX I did not grant permission for the company to access my credit file, and the inquiry was not initiated by me. 
I requested proof of written authorization used to obtain my report. 
I requested an investigation within the FCRA required 30 days and mail me an updated credit report showing the deletion. 
The dispute has past 30 days. I submitted A FTC report and ID. 

Companies name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT # 8 Comenity Bank XXXX XXXX XXXXXXXX XXXX  Charge-Off Account # XXXX {$710.00} Charge-Off ( Sold/Transferred ) Company : Comenity Bank Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX XXXX  XXXX Charge-Off : {$710.00} Status : Transferred/Sold IMPORTANT This account was sold. 

That means the original creditor ( Comenity ) must maintain original documentation, and the new debt buyer must validate ownership. 

This creates a strong legal basis for deletion, especially since : No buyer information is listed The account shows incomplete payment history Comenity has not supplied documentation Violations FCRA 623 ( a ) ( 1 ) Inaccurate reporting 611 ( a ) Inadequate investigation FDCPA ( if the buyer attempts collection

Company response to consumer: Closed with explanation