vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: MD

Complaint narrative:
I disputed the XXXX XXXX collection on XX/XX/2025 using Equifax 's online portal. I attached a dispute letter, my ID, and a bill with my address. Equifax marked it verified and updated but never provided validation. I requested, under FDCPA 809 and FCRA 609 & 611, a signed contract with my signature, an itemized statement, proof of assignment, a license to collect in Maryland, and documents used to verify the debt. I received no response and nothing was provided. This violates my rights. I will also be mailing a civil complaint to Equifaxs legal department demanding deletion, a debt waiver, and legal remedies for noncompliance. I will attach my EQUIFAX REPORT with the results after investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LEXISNEXIS
State: FL

Complaint narrative:
I disputed these inquiries : XXXX XXXX, XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, on my credit reports multiple times after providing a police report showing an unknown individual has used my drivers license after stealing my wallet to obtain credit cards and apply for car loans in my name for years. These companies refused to delete these inquiries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> some catapult merchant hit my account for XXXX i turned it as fraud wells fargo said some company named tire agent sent in proof which is a whole different company which is not allowed yet wells fargo after claiming they sent in info to back up the price wells fargo has failed to provide me with any proof making this unfair to were I cant even send in my proof they just agreed with a fraud and paid it there has been no attempts from this company for any more money which wells fargo is allowing fraud and giving me no proof

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
cash app closed my account without telling me anything and i requested multiple times through the app and nobody helped. told me constantly wait 30 days for them to email & tell me they cant provide me with any more information other claiming i violated their terms & policy but cant tell me which ones specifically

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with XXXX XXXXXXXX and XXXX XXXXXXXX Account Number Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies.

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 2025-05-02 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 identity theft and believe my personal information was compromised during the 2017 Equifax data breach. Fraudulent accounts have since appeared on my credit reports with Equifax. These accounts were opened without my authorization and have negatively affected my credit.

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 2025-05-02 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: TX

Complaint narrative:
I am a victim of identity theft and believe my personal information was compromised during the 2017 Equifax data breach. Fraudulent accounts have since appeared on my credit reports with Equifax. These accounts were opened without my authorization and have negatively affected my credit.

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 2025-05-02 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of inform
ation should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-02 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 am a survivor of XXXX  XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

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 2025-05-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-02 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite my continued efforts, the issue remains unresolved, and there is no indication that a proper or thorough investigation has been conducted.

This situation has become a significant source of stress and frustration, and it is now affecting my daily life. Im feeling mentally and emotionally exhausted by the lack of progress and clarity.

To be clear, I am handling this dispute myselfno one is acting on my behalf. I am respectfully requesting that this matter receive the full and fair review it deserves as soon as possible.

Thank you for your attention to this ongoing issue.

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite my continued efforts, the issue remains unresolved, and there is no indication that a proper or thorough investigation has been conducted.

This situation has become a significant source of stress and frustration, and it is now affecting my daily life. Im feeling mentally and emotionally exhausted by the lack of progress and clarity.

To be clear, I am handling this dispute myselfno one is acting on my behalf. I am respectfully requesting that this matter receive the full and fair review it deserves as soon as possible.

Thank you for your attention to this ongoing issue.

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 2025-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted this dispute multiple times concerning an account on my credit report that I genuinely believe remains inaccurate and incomplete. Despite my repeated attempts to resolve this, the incorrect information is still present, and it seems a proper investigation has not yet been performed. 

This situation has become increasingly distressing and is now impacting my everyday life. Im feeling emotionally overwhelmed and discouraged by the ongoing lack of resolution. 

I want to emphasize that I am submitting this dispute personallythere is no third party involved. I kindly request that this matter be reviewed thoroughly and fairly at your earliest convenience. 

Thank you for your time and understanding.

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted this dispute multiple times concerning an account on my credit report that I genuinely believe remains inaccurate and incomplete. Despite my repeated attempts to resolve this, the incorrect information is still present, and it seems a proper investigation has not yet been performed. 

This situation has become increasingly distressing and is now impacting my everyday life. Im feeling emotionally overwhelmed and discouraged by the ongoing lack of resolution. 

I want to emphasize that I am submitting this dispute personallythere is no third party involved. I kindly request that this matter be reviewed thoroughly and fairly at your earliest convenience. 

Thank you for your time and understanding.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DISCOVER BANK
State: MA

Complaint narrative:
I have gotten more information for Original to hand over to the 3 credit bureau. And I also got in contact with the original bank that wouldn't give it to them. So I'll start with saying I got the ACCOUNT number finally its XXXX it's on 2 times on my 3 credits reports from Discover Bank. This is just more I'm adding from yesterday.... This is the account number they will not give me or the credit bureau. I found the original bank who sold the debt to Discover Bank was terrible and Must hand over to the 3 credit bureau and get this off my credit.. I recently discovered these 2 accounts on my credit report and fighting and immediately investigated the matter. I contacted the original bank, who confirmed that this account was not opened by me and was sold to without verifying the identity of the actual debtor. They has refused to provide full account details despite my requests to give this to all three major credit bureau s to remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL XXXX TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Email : XXXX Phone : XXXX Last XXXX digits of account : XXXX Recently, you charged me a large number of fees to my account. The clauses supposedly justifying these fees were hidden in fine print, and I have honestly never been made aware of such hidden fees *. Such practices are dubious and create a loyal customer like me who hesitates to stay with your company. 

* Under Regulation E, 12 C.F.R. Part 205, issued 2010, I invoke my right to enroll in Overdraft Protection to prevent future recurring hidden charges.

Since becoming a loyal patron of American Express, Ive utilized your banking and online services every day and have done my utmost best to uphold a positive balance and attitude towards payment. Lately, I have been in somewhat of a pickle, and my current financial status, combined with emergency familial obligations, has made paying these fees nearly impossible. As much as I want to remain a steadfast, loyal customer, having these fees makes it incredibly hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
I am filing a complaint regarding multiple late payment entries reported by EdFinancial Services on my credit report. 

In 2025, my student loans exited the XXXX forbearance period, and also switched over to a different site in which I did not have a account set up, and resumed repayment. I was not clearly informed of this transition and was under the impression that the forbearance was still in effect. As a result, I missed a single payment. 

However, because I have multiple loans for the same degree program, each loan was reported separately as delinquent. This resulted in multiple negative entries on my credit report for what was essentially XXXX missed payment, causing my credit score to drop from XXXX to below XXXX overnight. 

I promptly brought my account current upon discovering the issue and enrolled in automatic payments to prevent future occurrences. Despite my efforts, EdFinancial Services declined my request for a goodwill adjustment. 

I am requesting the CFPB to investigate whether EdFinancial 's communication regarding the end of the forbearance period was adequate and to consider the fairness of reporting multiple delinquencies for a single missed payment.

While I have since located an email notice from EdFinancial regarding the return to repayment, it was not clearly communicated as requiring immediate action and was buried among routine messages. Like many borrowers during the transition out of XXXX forbearance, I was confused about the timing of repayment resumption. I acted immediately once I became aware of the delinquency. 

I still believe the late payment marks particularly being reported across multiple tradelines for one missed payment are disproportionately damaging and misleading. Given my otherwise perfect repayment record, I am requesting removal or adjustment of these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 disputed multiple accounts appearing on my credit report due to clear violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. The accounts in question were reported by debt buyers who are not original creditors. These companies reported payment histories, past due balances, and open account statusesdespite having no legal authority or contractual relationship with me to do so. 

For example, XXXX account originally from XXXX was sold and later re-reported by XXXX XXXX XXXX. The account was originally closed and last updated in XXXX, but XXXX re-aged the account by listing it as newly opened, restarting the XXXX clock and misrepresenting the age of the debtthis is illegal re-aging under FCRA 623 ( a ) ( 5 ). Ive provided a screenshot from a XXXX report proving the original status and date. 

I also disputed multiple LVNV Funding/Resurgent accounts reporting false payment histories and one-month terms with {$0.00} paid, even though they are debt buyers and no ongoing billing relationship exists. These are Metro 2 and FDCPA 807 violations. 

Despite my written dispute, the credit bureaus only updated some statuses from XXXX to XXXX but refused to delete the accounts, which still contain unverifiable and inaccurate data. 

This inaccurate reporting has directly led to multiple housing denials and is preventing me from securing a home for myself and my family. Ive uploaded full documentation showing the timeline, disputes, evidence of re-aging, and consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Need purchase agreement and validation of debt. May be inaccurate under CFPB codes ( 15 usc 1692 )

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