vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: AZ

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I am submitting this complaint regarding the continued reporting of fraudulent credit accounts and unauthorized inquiries on my TransUnion credit report. 

These accounts and inquiries were not opened by me, were not authorized by me, and are the result of identity theft. I have complied with all statutory requirements by filing detailed reports with the Federal Trade Commission and disputing these items as fraudulent. Nevertheless, the reporting entities have failed to block and remove the fraudulent information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

FTC Identity Theft Reports ( Attached ) The following FTC reports are included with this complaint and meet the definition of an Identity Theft Report under 15 U.S.C. 1681a ( q ) : FTC Report XXXX. XXXX FTC Report XXXX. XXXX FTC Report XXXX. XXXX The following accounts were opened without my knowledge, authorization, or consent and must be blocked and removed pursuant to 15 U.S.C. 1681c-2 : XXXX. XXXX XXXX XXXXXXXX Acct No. : XXXX Balance : {$2800.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct XXXX. : XXXX Balance : {$16.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct XXXX. : XXXX Balance : {$5900.00} Date Opened : XX/XX/XXXX XXXX. XXXX Acct XXXX. : XXXX Balance : {$990.00} Date Opened : XX/XX/XXXX XXXX. XXXX Acct XXXX. : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX  / XXXX XXXX Acct No. : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX, XXXX. 
Acct XXXX. : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX. XXXX / XXXX Acct XXXX. : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXX. XXXX / XXXXXXXX XXXX  Acct No. : XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX The following inquiries were not initiated by me and were the result of identity theft. These inquiries must be removed pursuant to 15 U.S.C. 1681b and 1681c-2 : 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 XX/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 non-monetary relief
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I and my wife called the bank to redeem the matured 2 separate CD accounts ( {$250000.00} each account ). The only option the bank gave us is to send us cashiers checks by first class mail with no tracking numbers.

During the time waiting for the checks, we contacted the bank to know whether and when the checks were mailed, but no one could provide us the answers. We were told if the checks got lost, we had to go through a long process for re-issuing cashier checks.

We ended up receiving the checks 16 and 19 days respectively after redeeming the CD accounts.

We feel that the bank holds up on purpose the account balances as long as they want so that they dont have to pay the interest until the checks are deposited. We as consumers have no protection during the process of account redemption. We believe this is not an isolated case, and the bank uses the unfair practices to make profits at its customers expense.

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 2025-12-22 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: GA

Complaint narrative:
I am filing this complaint because there was a collection account placed on all three credit bureaus from Resurgent Capital Services, there was an attempt to validate the request pursant 15 USC 1682g. I've never had an account with Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I had a guy text me saying he's with FDIC and I had to XXXX him {$4000.00} because he covered it from a XXXX payment. After I did it and I wasn't feeling right about it. I did some looking up stuff like if someone from that place does asked for money and they DON'T do it. I called XXXX and tried to stop it but they cashed it out. I file a claim with XXXX and they CAN'T do anything about it & I filed it with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. After carefully reviewing my file, I identified accounts, inquiries, and late payments that are being reported without proper verification and do not meet the Fair Credit Reporting Act ( FCRA ) standards for maximum possible accuracy. 

Charged-Off Accounts in Dispute UNAUTHORIZED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} These accounts are being reported as charged off without proper validation. Equifax has not provided original creditor documentation proving the accuracy, ownership, or legal right to report these balances. If these accounts can not be fully verified, they must be deleted. 

Inquiries in Dispute XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and have not been provided proof of permissible purpose as required by the FCRA. Any inquiry that can not be fully verified must be removed. 

Late Payments in Dispute XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
Valon Mortgage Inc I currently have a loan through Valon Mortgage. I opened my statement this weekend, only to see that my name and mailing address on the statement- but the mortgage information was not mine.

I recieved a detailed mortgage statement for another borrower with their names, their account number, their recent payment amount and the current payment information.

I called this morning and reported it to Valon and was told my statement was being reissued. They were aware of the problem and shared that it had been reported, but why wasn't I notified that my information was shared with someone else - just like someone else 's information was shared with me. 

I felt compelled to share it with the CFPB so that there is awareness of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I wrote check # XXXX for XXXX dollars payable to myself, XXXX XXXX, from our joint Wells Fargo account, to reimburse courtordered guardian ad litem fees. On XX/XX/year> my exspouse falsely reported the check as fraud/altered ; Wells Fargo pulled XXXX dollars back from my XXXX account. On XX/XX/year> Wells Fargos investigation letter admits the transaction was authorized and promises reimbursement of XXXX dollars, but the bank refuses to pay me directly and will only issue a joint cashiers check to both account holders, even though my divorce mediation and court orders treat these funds as mine. This policy lets my exspouse continue to block access to money Wells Fargo agrees I am owed. I am asking the regulator to require Wells Fargo to issue the XXXX dollars solely in my name

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Capital One is inaccurately reporting my credit card account. The reported balance and highest balance exceed the original credit limit without proper itemization or documentation supporting the increase. 
The payment history contains inconsistencies and invalid date entries, and the account is reported as closed while still reflecting an active monthly payment obligation, creating contradictory and misleading reporting. 
This account was previously disputed, and the inaccuracies were not corrected, indicating a failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 
I am requesting deletion of this account due to materially inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
To Whom It May Concern : On XXXX XXXX XXXX XXXXXX/XX/year>, I received copies of four money orders totaling {$1800.00} that were stolen from the US postal mailbox outside the US post office on XXXX XXXX in XXXX, MD. zip code XXXX. The money orders were written on Western Union XXXX XXXX. After contacting Western Union, they emailed me copies of the cashed money orders and told me to follow their procedure by filling out their XXXX XXXX XXXX XXXX XXXX. Since XXXX checks were stolen, I submitted XXXX notarized forms and a check for {$60.00} to cover the XXXX forms. ( {$15.00} each ) They were mailed to Western Union XXXX XXXX XXXX XXXX To date, I have not heard from Western Union . Each time I call, I get a voicemail message outlining their procedure but never anyone to talk too. Since I have complied with their request, I would appreciate it if they can tell me of any progress. I definitely need an {$1800.00} reimbursement. Please and thank you for any help! Western Union Forgery case # XXXXXXXX XXXX XXXX XXXX Request # XXXX, Police Report XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXXays, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXXays, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-22 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 am disputing inquiries on my credit report that I did not authorize or recognize and request their prompt removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my Equifax credit file. I have previously disputed these items, yet Equifax continues to report them without providing proper verification as required under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these inaccuracies is causing financial harm. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX XXXX  Account # : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX  XXXX Account # : XXXX | Opened : XX/XX/XXXX | Balance : {$3000.00} XXXX XXXX Account # : XXXX | Opened : XX/XX/XXXX | Balance : {$960.00} These accounts are being reported as charged off without complete and accurate documentation. Equifax has failed to provide proof of contractual obligation, full payment history, or proper validation. Reporting a {$0.00} balance charged-off auto loan is especially misleading and inaccurate. 

Late Payment Accounts in Dispute ( Equifax ) XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation