vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency National Credit System has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax, I am writing to dispute the following information on my credit report, as provided by your bureau. I request a full investigation and the correction of the erroneous information. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reported as charged off but shows no balance. Please verify the status and update accordingly. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account shows as charged off with a balance of {$0.00}. Please verify the accounts status and make necessary corrections. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account is listed as charged off with no balance. Please confirm the accounts accuracy or update accordingly. 

Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a dispute regarding the following accounts on my Experian credit report. I request an investigation into the following accounts : CHARGED OFF XXXX XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, {$4100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$900.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$8300.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX, XXXX, XX/XX/XXXX, {$460.00} INQUIRIES XXXX XXXX XXXX, XX/XX/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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a consumer trying to fix my credit, and I am disputing several items on my credit report. Please review the following items which are inaccurate or need further investigation. 

Charged Off Accounts : XXXX MORTGAGE SERVICES, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review. 

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. Ive always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has violated the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XXXX  days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( b ). Courts have consistently ruled that such conduct is XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ensure disputed accounts are promptly updated or removed to satisfy legal standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the following charged off accounts with TransUnion as I believe they are inaccurately reported. These accounts need to be corrected as they do not reflect accurate payment histories or balances : XXXX FINCL, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  FCU, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  FCU, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} The following late payments are inaccurately reported and should be corrected : XXXX  FCU, Account Number : XXXX XXXX XXXX, Account Number : XXXX There are multiple inquiries listed under my TransUnion report that I believe may not be valid : XXXX AUTO, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I made a deposit on atm, the receipt stated that I had XXXX available while deposit cleared, the next day XX/XX/year> the bank took the XXXX back and made me negative on my account as I bought food for my children, I contacted Wells Fargo and tried to get an explanation on why they would take the money back and only to be tossed around and disconnected numerous times, I was trying to speak to them for almost XXXX hrs, the second to last person I spoke named XXXX was so rude and unwilling to explain why this action had happened, I hung up the phone not knowing why this action had happened and the had no interest in helping at all, they kept telling me the check was dated to be available on the XXXX, as I understand its a normal procedure to hold checks to verify funds, I provided the phone number for the company that made the check so they could verify the funds, they refused to explain to me why they had taken the XXXX given at the time of deposit, being with this bank for close to 30 years they did not care and treated me very poorly as a costumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: 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: OH

Complaint narrative:
CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and XXXX, requesting a reinvestigation and deletion of an inaccurate or unverified account that is appearing on my credit report. 

I believe this account is inaccurate, incomplete, or unverifiable. I have no record, documentation, or contractual agreement supporting this debt, and it may be the result of an error or identity misuse. 
I understand that the FTCs XXXX system is currently unavailable due to the federal government shutdown, which prevents consumers from generating or submitting an FTC Identity Theft Report. Because of this, I am proceeding under my FCRA rights to dispute and request deletion of unverifiable data directly through this CFPB complaint. 

Under XXXX U.S.C. XXXX ( a ), the credit bureau is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within XXXX  days. 

Under XXXX ( b ), the furnisher of the information is also required to investigate and update or remove any data found to be inaccurate or incomplete. 

Please provide : The name and contact information of each furnisher used to verify this account ; and Copies of any documentation used to verify the accounts accuracy. 
If the account can not be verified within the required timeframe, it must be deleted from my credit file. Failure to comply will be considered a violation of federal law and may result in formal follow-up complaints with the CFPB, FTC, and my state attorney generals office once federal operations resume. 
Thank you for your prompt attention. I request written confirmation of your findings and an updated report reflecting the results of your reinvestigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal is improperly charging back to my Paypal account {$8.00}, XXXX. These constitute donations made to a charity I was administering for a social media client. I had done this before for this client, through Paypal and had no major issues before this refund/chargeback issue arose. I was merely collecting donations for the charity and transmitting them through crypto platforms. Neither me personally, nor my company, XXXX  XXXX XXXX XXXX XXXX, XXXX, nor my charity, THE XXXX XXXX, sells anything nor provide services for anyone who was refunded, and in fact we provide service to the client, not the donors. We don't make anything, nor do we act as an agent for anyone to provide products or services. I don't even know any donor, and when I tried to resolve oner of XXXX XXXX 's many donations through the Paypal system I got no response whatsoever. I did not contact her, or any other donor because I didn't have any kind of contractual relationship with her or them, and I thought it would only make a confusing situation worse. My understanding, which was a TOTAL surprise to me, was that she was supposedly buying electronic equipment. If that was the case it was news to me. I don't know what happened in matters beyond my control, but I definitely was neither selling any equipment, nor acting as an agent or broker who was acting as some sort of intermediary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian XXXX Department, Im writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 



Account XXXX : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a consumer working to resolve inaccuracies on my credit report with Experian. I am disputing the following accounts due to incorrect reporting, and I request a full investigation into these matters. 

XXXX. Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} Dispute : The charge-off status on this account is inaccurate. I request that you verify the charge-off status. If it can not be verified, I request that the entry be removed from my credit report. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} Dispute : This account is incorrectly reported as charged-off. Please provide verification of the charge-off. If it is not verifiable, I request its removal from my credit report. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Dispute : This account is being reported inaccurately as charged-off. Please verify this information and remove it if it can not be substantiated. 

XXXX. Late Payments : XXXX AUTO Account Number : XXXX Dispute : The reported late payments for this account are inaccurate. Please provide evidence of the late payments or remove them from my credit report. 

XXXX XXXX Account XXXX : XXXX Dispute : The late payments listed on this account are incorrect. I request that you provide documentation of the late payments or remove them from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm a victim of a wire fraud scam. I was tricked into wiring {$25000.00} from my Capital One account to a XXXX XXXX account. This transfer occurred XX/XX/year>. Once I realized it was a scam I immediately called Capital One ( within just a couple of hours ), reported it, and asked them to cancel or reverse the transaction. I'm very disappointed how they handled this case, and that they couldn't get my {$25000.00} back. Since I called immediately, I think they delayed, and didn't act quick enough- to have XXXX XXXX freeze the funds. They dragged their feet until it was too late. Subsequently I called every day for a week, then every other day for a status & resolution. I was lead to believe that my {$25000.00} would be recovered. Therefore I delayed contacting the FBI and my local police. It wasn't until XX/XX/XXXX when I called, that they said they couldn't recover my money, and that the case was closed. They supposedly assigned investigators for this case, but we were never allowed to contact them directly. Instead we had to go through their Customer Resolution Team. It was XXXX XXXX account number XXXX, routing number XXXX, name XXXX XXXX XXXX. Note that the funds were taken from our Capital One account XXXX ( now closed ).

Company response to consumer: Closed with explanation