vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt collection account that has been inaccurately associated with my name and credit file. Over the past two and a half years, I have repeatedly contacted the debt collection agency listed on my credit report to dispute this account and request more information. Despite my efforts, I have not received sufficient documentation or resolution.

I do not recognize this debt, nor am I familiar with the apartment complex referenced in the account. I have lived in the same single-family home for over 18 years, and during that time, I have never rented or applied to live in an apartment. I have explained this to the collection agency on multiple occasions, yet the account remains unresolved and continues to negatively impact my credit. 

I am requesting that this matter be formally investigated and that the collection agency provide complete validation of the debt, including any lease agreements, signed applications, or documents that demonstrate my connection to this account. If they are unable to provide such documentation, I am requesting that the debt be removed from my credit report entirely. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I called the number on this letter and made a payment towards the amount due for {$620.00} not knowing this was 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 2025-07-22 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:
15 U.S. code 1681 a ( 4 ) lets start with consumers right to privacy! Whether this was done by me or not Ive been violated! There is a public bankruptcy that was never filed nor pursued NOR authorized by me on my report. Ive disputed this at least three times this year and theyve done absolutely nothing about it.

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 2025-07-22 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:
15 U.S. code 1681 a ( 4 ) lets start with consumers right to privacy! Whether this was done by me or not Ive been violated! There is a public bankruptcy that was never filed nor pursued NOR authorized by me on my report. Ive disputed this at least three times this year and theyve done absolutely nothing about it.

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 2025-07-22 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-07-22 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: CA

Complaint narrative:
Original Email XXXX XXXX XXXX. Created a XXXX address Its Been Used Several Times By Different People! Connected to Burner phones from XXXX California XXXX XXXX to XXXX XXXX. Tx Ok Pa. I Caught a Person WHO Is STILL using my XXXX & XXXX Addresses! I dont use Chrome! Or XXXX as XXXX but XXXX only. XXXX Not XXXX XXXX XXXX XXXX anyway. Last Anything Bought ITunes XXXX for XXXX! No XXXX XXXX XXXX XXXX XXXX XXXX in My XXXX XXXX XXXXXX/XX/XXXX for an XXXX XXXX Resident at prior address XXXX XXXX XXXX XXXX XXXX since XXXX! No XXXX XXXX I XXXX XXXX! End of XX/XX/XXXX Credit check for my XXXX XXXX Still Signing XXXX Year never Late Rent XXXX yrs. I found XXXX Account tied with my XXXX address Live Gaming Chat Education Visas for Citizens! I was Born in XXXX in Ca! I DELETED All the History. Next Day All My XXXX XXXX XXXX XXXX XXXX History Wiped Away! I cant find it anywhere & now XXXX XXXX and XXXX XXXX XXXX XXXX any Passwords I try.

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 2025-07-22 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: MO

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year>, I sent a {$350.00} payment through Venmo  to the user XXXX  XXXX for an item listed on XXXX XXXX. After receiving the money, the seller disappeared and never provided the item. It became clear I was the victim of a scam. 

I immediately contacted my bank and was able to stop the payment before it fully processed. However, Venmo still withdrew {$350.00} from my account, despite the payment being frozen on the banking side. 

I contacted Venmo Support, provided details, and requested a refund due to the fraudulent nature of the transaction. They refused, citing that it was a " friend-to-friend '' payment and therefore not covered by their purchase protection policy. 

This was not a dispute over a legitimate transaction or buyers remorse this was intentional fraud. The scammer used Venmo to receive payment under false pretenses, which violates Venmos user agreement. I am requesting : A full refund of {$350.00}, and That Venmo take accountability for allowing its platform to be used to facilitate fraud. 


I have documentation including screenshots of the XXXX post, messages with the scammer, the Venmo transaction, and bank communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed many inquiries for credit checks from the same bank several times. I have a others from unknown name and knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I had asked to to remove and not report to my credit report yes I know I had it but the tactic used wasnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Name of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/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 2025-07-22 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: RI

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
Issue : XXXX XXXX XXXX and Equifax Violated FCRA Re-Aging, No Validation, and Incomplete Dispute Response I am filing a formal complaint against XXXX XXXX XXXX and Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
This complaint involves two collection accounts being inaccurately and illegally reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/year> Balance : {$930.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/year> Balance : {$1900.00} Violations Committed : 1. False Delinquency Reporting / Conflicting Dates XXXX is reporting delinquency as early as XX/XX/year>, which predates the account open dates of XXXX and XX/XX/year>. This is chronologically impossible and violates FCRA 623 ( a ) ( 1 ) ( A ). 
2. No Validation of Debt XXXX has never provided : 1.A signed contract 2.Statements or breakdown of the balance 3.Chain of assignment Under FDCPA 809, they are required to validate the debt before collecting or furnishing data. They failed to do so. 
3. Improper Re-Aging of Debt After I filed a dispute, XXXX did not produce any documentation. Instead, they updated the tradeline to reflect new balance update dates and continued collection status, even though : - I made no payments- There was no new activity - No legal update to the account occurred This is known as re-aging, and violates FCRA 623 ( a ) ( 5 ) and Metro 2 standards, which prohibit updating accounts without consumer activity. 
XXXX. Equifax Failed to Investigate or Delete XXXX  closed the dispute with a generic statement : The item you disputed has been updated. Please check your report. 
This does not meet the requirements of FCRA 611 ( a ) ( 7 ), which obligates the credit bureau to provide : - A description of the reinvestigation -The method used -The documents reviewed -The party contacted Instead, they allowed XXXX to keep the accounts on file without any proof or documentation and failed to delete unverifiable data, which violates FCRA 1681i ( a ) ( 5 ). 
Resolution Requested : I am requesting the CFPB to : Investigate both XXXX and Equifax for FCRA and FDCPA violations Complete deletion of both tradelines from Equifax Require Equifax to provide a complete investigation summary, as required by law I am attaching supporting files showing : 1.Contradictory open and delinquency dates XXXX " before and after '' tradeline changes 3.Equifax inadequate dispute response Thank you for your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX High Balance : {$850.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  XXXX XXXX High Balance : {$5000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$1300.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXXXXXX High Balance : {$1200.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXXXXXX XXXX High Balance : {$9900.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXXXXXX XXXX High Balance : {$10000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$1500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

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 2025-07-22 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, Equifax was fined {$15.00} million for improper investigations and failure to comply with FCRA accuracy requirements. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt.

Under 15 U.S. Code of 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation