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: OR

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$45000.00} Hard Inquiries : 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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One reported a credit limit increase to {$3400.00} on XX/XX/XXXX ( as shown in your CreditWise  alert from XXXX  ), but their transaction system is still declining purchases at the previous {$900.00} limit, and customer service is unable to resolve the internal error

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: CA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: TN

Complaint narrative:
On XX/XX/year> I used JPAY services to fund an XXXX  commissary account... money was never received by XXXX.... XXXX name XXXX XXXX XXXX XXXX Transaction # XXXX for {$100.00}. 
I have emailed them on their website several times ... no response ... my phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
The creditor claims I owe them when account was actually settled in court.

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: CA

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
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: UT

Complaint narrative:
In regards to disputed transaction. Sent all the required info, showing that a ) this charge should not have occurred ; b ) the same merchant charged another one of my cards, wrongly ; and c ) the merchant already emailed me apologizing and offering a full refund for the misunderstanding. 
Wells Fargo REFUSED TO INITIATE A DISPUTE INVESTIGATION AT ALL. I had to call SIX TIMES FOR THE SAME THING. As if I have nothing else to do with my time. 
Wells Fargo never removed the transaction at any time and I got an email almost within seconds after sending MORE documentation that the dispute is closed. How can a dispute be closed if it was never opened and never investigated?

What's worse, Wells Fargo seems to have a history of this. This is the 6th time this has happened in the past 2 years. When the charges are a few dollars I eventually give up but this is now THOUSANDS OF DOLLARS WORTH OF CHARGES THAT ARE NOT MINE. This is pure theft and I respectfully request the CFPB to investigate these matters. Imagine how much money this giant organization is making if they steal a couple hundred or a couple thousand dollars from each customer.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: OR

Complaint narrative:
In XXXX of XXXX, my partner and I engaged with a solar installation company XXXX XXXX. They partner with Mosaic to secure funds in the form of a loan. Our house did not qualify to physically support solar panels so the job was canceled. Mosaic, meanwhile, has been unwilling or unable to remove the debt amount from our credit reports. 

The amount of the loan was to be {$37000.00} split between me and my partner. 

I have two emails from XXXX XXXX, one is a screenshot of my account status with them that the job was canceled, and another sent to Mosaic directly, stating that the job was canceled and no funds were ever received for the installation. 

I have been on the phone at least once a month for many months with both companies. XXXX always assures me that the job is canceled. Mosaic, on the other hand has offered numerous excuses. One, that they went through bankruptcy and need more time to process my claim, another, offered today, that the solar company has not returned funds ( which the solar company claims they did not receive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
XXXX changed its name to Four Leaf ; I was sent paperwork to change my monthly payment from XXXX to Four Leaf, and I did. This happened in XXXX of XXXX. So, since then, I have had XXXX take payment from my account for {$370.00} on the XXXX of every month and four leaf taken {$370.00} every XXXX or the XXXX of every month, starting in XXXX of XXXX. I called back in XXXX when I first noticed the double payments taken, and Four Leaf stated that they stopped the payments in the system and they were supposed to refund me the money, and now they are saying that they don't know where the extra money is that was taken from my account. I called several times to get no answer, and now they are saying I am behind in two payments because the last person I spoke to refunded two of the five payments that is owe back to me

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX regarding my personal XXXX XXXX credit card account ending in XXXX. XXXX continues to ignore my Cease & Desist request, my hardship and indigence documentation, and all follow-up correspondence. 
I submitted a Cease & Desist & Statement of Financial Hardship on XX/XX/year>, with my Affidavit of Indigence and SSDI income verification. I followed up on XX/XX/year>, and again on XX/XX/year>, clarifying that this is a personal credit card account, not a business account. 
All of these letters were sent via XXXX and confirmed delivered, including deliveries on XX/XX/year> and XX/XX/year>. 
Despite this, XXXX continues to send the same form letter every month ( copies dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), stating they require more information and instructing me to call them which violates my Cease & Desist. 
Additionally, XXXX continues to misaddress the account to a business name ( XXXX XXXX XXXX XXXX XXXX ), even though I have repeatedly informed them in writing that this is not a business account. This misclassification is harmful and inaccurate. 
XXXX has failed to : acknowledge receipt of my hardship documents update my account as hardship/uncollectible comply with my Cease & Desist correct the account classification update the credit bureaus with the required disputed by consumer notation respond to my XX/XX/year> Final Notice I am XXXX, permanently indigent, and my only income is SSDI. XXXX continued failure to process my documentation has caused ongoing stress and credit harm.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX regarding my personal XXXX XXXX credit card account ending in XXXX. XXXX continues to ignore my Cease & Desist request, my hardship and indigence documentation, and all follow-up correspondence. 
I submitted a Cease & Desist & Statement of Financial Hardship on XX/XX/year>, with my Affidavit of Indigence and SSDI income verification. I followed up on XX/XX/year>, and again on XX/XX/year>, clarifying that this is a personal credit card account, not a business account. 
All of these letters were sent via XXXX and confirmed delivered, including deliveries on XX/XX/year> and XX/XX/year>. 
Despite this, XXXX continues to send the same form letter every month ( copies dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), stating they require more information and instructing me to call them which violates my Cease & Desist. 
Additionally, XXXX continues to misaddress the account to a business name ( XXXX XXXX XXXX XXXX XXXX ), even though I have repeatedly informed them in writing that this is not a business account. This misclassification is harmful and inaccurate. 
XXXX has failed to : acknowledge receipt of my hardship documents update my account as hardship/uncollectible comply with my Cease & Desist correct the account classification update the credit bureaus with the required disputed by consumer notation respond to my XX/XX/year> Final Notice I am XXXX, permanently indigent, and my only income is SSDI. XXXX continued failure to process my documentation has caused ongoing stress and credit harm.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-12-03 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: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting an alleged apartment debt for XXXX  XXXX XXXX  ( XXXX  ) on my credit reports with a balance of {$5400.00}, even though they have never provided proper validation of the debt as required under FDCPA 809 ( b ). I have no signed lease, no itemized accounting, and no proof that XXXX XXXX owns or has legal authority to collect this debt. 

XXXX XXXX has been reporting inconsistent and inaccurate information to all three credit bureaus. XXXX  reports the account as Open Collection/Charge-off, while XXXX  and Equifax report the account as Closed Collection/Charge-off. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers to report information with maximum possible accuracy. 

In addition, my account shows a balance increase from {$5400.00} to {$5400.00} without any explanation or accounting. XXXX XXXX has not communicated any legitimate calculation of the charges or fees. 

I also submitted a written debt validation request, and XXXX XXXX has failed to provide : A copy of the original lease agreement bearing my signature Proof of assignment or ownership of the alleged debt A full itemized accounting Evidence that the debt is even legally collectible in my state Continuing to report a debt that can not be validated violates : FDCPA XXXX ( XXXX ) communicating credit information known to be false FDCPA XXXX ( b ) failure to cease reporting pending validation Ohio Consumer Sales Practices Act ( O.R.C. XXXX ) unfair/deceptive collection practices Despite my dispute, XXXX XXXX XXXX XXXX this debt as if it is valid, damaging my credit and preventing accurate reinvestigation by the bureaus.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting an alleged apartment debt for XXXX XXXX XXXX ( OH ) on my credit reports with a balance of {$5400.00}, even though they have never provided proper validation of the debt as required under FDCPA 809 ( b ). I have no signed lease, no itemized accounting, and no proof that XXXX XXXX owns or has legal authority to collect this debt. 

XXXX XXXX has been reporting inconsistent and inaccurate information to all three credit bureaus. XXXX  reports the account as Open Collection/Charge-off, while Experian and XXXX  report the account as Closed Collection/Charge-off. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers to report information with maximum possible accuracy. 

In addition, my account shows a balance increase from {$5400.00} to {$5400.00} without any explanation or accounting. XXXX XXXX has not communicated any legitimate calculation of the charges or fees. 

I also submitted a written debt validation request, and XXXX XXXX has failed to provide : A copy of the original lease agreement bearing my signature Proof of assignment or ownership of the alleged debt A full itemized accounting Evidence that the debt is even legally collectible in my state Continuing to report a debt that can not be validated violates : FDCPA 807 ( 8 ) communicating credit information known to be false FDCPA 809 ( b ) failure to cease reporting pending validation Ohio Consumer Sales Practices Act ( O.R.C. 1345.02 ) unfair/deceptive collection practices Despite my dispute, XXXX XXXX XXXX XXXX this debt as if it is valid, damaging my credit and preventing accurate reinvestigation by the bureaus.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am contacting you regarding accounts that were neither opened nor authorized by me. Please check the accuracy of the information and remove the accounts from my report. Supporting documents are enclosed.

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