vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts being reported on my credit file. I did not open or approve these accounts, nor was I ever notified of their addition. The reporting is also inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ), requiring credit bureaus to maintain the highest level of accuracy in the information they report. 

This situation also breaches XXXX U.S.C. XXXX, which requires any disputed information to be promptly investigated and corrected or deleted within XXXX  days, as well as XXXX U.S.C. XXXX, which guarantees consumers full and accurate disclosure of their credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

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 non-monetary relief
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Charged-Off Account XXXX  Account # XXXX, Opened XX/XX/year>, Balance {$10000.00} I am disputing this account because I have not received proper documentation verifying the accuracy or ownership of this debt. The balance and account status appear inconsistent with my records. I request verification, correction, or removal if it can not be verified. 

Inquiries None at this time. 

Late Payments None listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting this dispute regarding multiple inaccurate items on my credit report that need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). These items are being disputed across the XXXX major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). Below are the accounts in question, separated by bureau for clarity. 


Equifax ( XXXX ) I am disputing the following items on my Equifax credit report, which I believe to be inaccurate or incomplete : Charged Off Accounts : XXXX CARD, Account # XXXX, Opened : XXXX, Balance : {$2300.00} XXXX, Account # XXXX, Opened : XXXX, Balance : {$9800.00} XXXX XXXX  XXXX XXXX, Account # XXXX, Opened : XXXX, Balance : {$13000.00} Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Late Payments : XXXX CARD, Account # XXXX XXXX XXXX  XXXX XXXX, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo claims department is not adhering to their XXXX hour window of review. It could be an overload of claims against the company, failure of oversight, or negligence. Their imaging and document systems are glitching and can not receive the proper documentation. Then, claims are handled based on proper information since its ... missing. 

I tried to block a transaction through my card provider Wells Fargo, They do not block transactions. So, they suggested I dispute it. 
The dispute was granted and the money was credited. 
They credit was taken back and they asked for supporting documents. 
I uploaded supporting documents. They asked for more. 
Here 's the glitch. Their system doesn't accept more. They tell their customers to wait XXXX hours or go to the branch. I waited and went to the branch. They sent in the documents on my behalf but also ran into the same glitch. Wells Fargo submits the claim with missing docs to XXXX. XXXX rejects the claim. Wells Fargo can inform customer they are no longer responsible since XXXX denied it. Money stolen. Branch says to contact claims. Claims says to contact branch. All a scam.

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 2025-11-04 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: CA

Complaint narrative:
This mark is not consistent with my record of punctual payments. Please investigate and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed from my 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
I am disputing an old debt originally from XXXX XXXX that was sold to Spring Oaks Capital. Spring Oaks Capital confirmed in writing that the debt is uncollectible due to the XXXX statute of limitations. However, this account is still being reported on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), accounts may not be reported for more than XXXX years from the date of first delinquency. I believe this account is obsolete and should be permanently removed. 
I have contacted both XXXX XXXX and Spring Oaks Capital, and they stated there is nothing they can do. I am requesting the CFPB ensure the debt collector and credit bureaus delete this inaccurate or outdated item from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable credit report. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be removed from my 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services is attempting to collect a debt on Behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has not been validated. NO notice of alleged debt or anything has been recieved from this entity, On XX/XX/year>, I learned the debt was sold to this company while reviewing my credit report. when the XXXX admitted in that the account is not eligible for reporting. Despite this, they continue collection activity without proof of ownership or verification. This violates the FDCPA ( 15 U.S.C. 1692g ( b ) ) for continuing collection without validation, and the FCRA ( 15 U.S.C. 1681b ) for lacking permissible purpose to report or share data. Furthermore, I have not recieved any debt validation of this debt nor any notices, the company simply bought the debt from XXXX Bank and I have NEVER recieved any written notice of this alleged debt or any correspondence from this data furnishing company. This is in direct violation of : " 15 U.S.C. 1692g Validation of Debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; the name of the creditor to whom the debt is owed ; a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and mail a copy of such verification or judgment to the consumer ; and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Dear : CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX [ Todays Date ]

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 2025-11-04 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: LA

Complaint narrative:
Dear : CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX [ Todays Date ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  This is now my third attempt to get Equifax to properly reinvestigate the account XXXX XXXX XXXX that continues to appear on my credit report with false and inconsistent information. 

My first dispute was sent on XX/XX/XXXX, the second on XX/XX/XXXX, and after more than 60 days, Equifax has still failed to provide any proof, documents, or reasonable explanation showing that this account is being reported accurately. Every time, they simply mark it as updated, but the same inaccurate information remains. 

Equifax is reporting a Charge-Off status on this account even though my payment history shows : XX/XX/XXXX On time payment XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX On time payment It makes no logical or legal sense that an account could be charged off after just XXXX or XXXX isolated late payments, especially when the following month shows a regular on-time payment again. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure maximum possible accuracy in the information it reports. Reporting a charge-off without a consistent pattern of delinquency is not only inaccurate it is a violation of federal law because it misrepresents my credit history and damages my credit reputation. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ), Equifax must conduct a reasonable reinvestigation and correct or delete any information that can not be verified within 30 days. It has now been well over that period, and I have received no proof of any actual verification only the same repeated response claiming the account was updated.

Equifax has also failed to disclose who verified the account, when it was verified, or by what method, which violates 1681i ( a ) ( 6 ) ( B ) ( iii ). This shows that no real investigation has been done, and that Equifax is carelessly keeping false data on my report. 

Because of this, I am asking the CFPB to take action and require Equifax to delete the XXXX XXXX XXXX  account completely from my credit file. The account remains factually inaccurate, unverifiable, and illogically reported, which makes it illegal to continue publishing it under the FCRA. Copy of government-issued ID Copy of mi SSN Copy of utility bill Copy of prior dispute letter and response Copy of my credit report by Equifax XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current. 


Charged-Off / Collection Accounts : 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the following negative items on my credit report, which I believe are inaccurate or require further clarification : XXXX. XXXX XXXX XXXX XXXX Account Status : Charge Off o Balance : {$1400.00} o Remarks : Unpaid balance reported as a loss by the credit grantor. 
o I request verification that the status and balance are reported accurately. 
XXXX. XXXX XXXX o Account Status : Charge Off o Balance : {$370.00} o Payment History : XXXX  % of payments made on time. 
o I request confirmation of payment history and balance. 
XXXX. XXXX XXXX o Account Status : Charge Off o Balance : {$370.00} o I request verification of this account status, and whether the balance and payment history are accurate. 
Please provide documentation verifying these accounts and correct or delete any inaccurate information from my report. If you are unable to provide verification, I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your prompt attention to this matter. Please respond within the legally required 30 days.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
NCB Management Services is reporting a collection account for an alleged debt originally from XXXX XXXX XXXX XXXX XXXXXXXX with a balance of about {$4200.00}. The account shows as a collection opened in XX/XX/XXXX and last reported in XX/XX/XXXX. 

I dont believe this debt is valid or has been properly verified. Ive never received any documentation from NCB proving that this debt belongs to me or that they have the legal right to collect or report it. I previously disputed the account through the credit bureaus, but the response I got was that it meets FCRA requirements, without any supporting information or validation.

To date, NCB has not provided a copy of the original agreement, an itemized statement, or proof of ownership of the account. The balance appears questionable and may include fees or charges I never agreed to. I simply want proper validation before any continued reporting or collection.

Company response to consumer: Closed with explanation