vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
Equifax is reporting inaccurate and misleading information on my credit report, and XXXX XXXX is furnishing incorrect data. This involves an XXXX XXXX account that was charged off in XXXX and closed in XX/XX/XXXX, but Equifax is reporting it as if a new delinquency or negative event occurred in XX/XX/XXXX. 

The account is a closed charge-off with no balance. No payments have been due since XXXX, and there has been no activity on this account since XXXX. My reports from XXXX  and XXXX  confirm this, showing no updates after XXXX XXXX and no XXXX activity. 

However, Equifax shows a Last Updated date of XX/XX/XXXX, which causes the account to appear as a recent late payment or newly delinquent event, even though no such activity occurred. A charged-off account can not legally have new delinquency because there are no payments due after charge-off. 

This Equifax update is factually false, misleading, and constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ), which prohibits furnishers from changing the Date of First Delinquency or making a negative event appear newer than it is. Equifax also violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy. 

This inaccurate XX/XX/XXXX reporting is harming my credit score, including my mortgage score, by making an old charge-off appear recent. 

Requested Resolution : I am requesting that Equifax and XXXX XXXX correct this inaccurate reporting by removing the false XX/XX/XXXX update and restoring the original charge-off timeline from XXXX. If Equifax or XXXX can not verify the accuracy of the reporting without re-aging the account, I am requesting that the account be deleted entirely from my Equifax report. 

XXXX  and XXXX  do not show this incorrect XX/XX/XXXX update, which further proves this is an XXXX reporting error. 

I am providing screenshots showing : Correct reporting from the other bureaus The inaccurate XX/XX/XXXX Equifax update The original dates of delinquency and closure That no XXXX late payments or activity ever occurred Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint because XXXX or more collection agencies are reporting fraudulent and inaccurate collection accounts on my credit reports. These accounts do not belong to me, and I never authorized, opened, or entered into any agreement with these collectors.

These collectors are violating multiple federal laws : FDCPA Violations 15 USC 1692e False, deceptive, or misleading representation 15 USC 1692e ( 2 ) Misrepresenting the character or legal status of a debt 15 USC 1692e ( 8 ) Communicating false information to credit bureaus 15 USC 1692g Failure to validate debts upon request The collectors are knowingly reporting incorrect information and have failed to validate the accounts even after being notified that the debts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
To Whom It May Concern, I just got my report and i thing it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate informaiton. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. please provide me with the following items payoff disclosure * Balance history * payment hisory * credit insurance 1 Validate account XXXX ACCOUNT NUMBER XXXX THIS CONTRACT IS CANCELED i rescectfully ask for you guys to provide some kind of proof of these alleged items specifcally the contract note or other instrument bearing my signature additionally please provide the name address and telephone number of each credit grantor or other subscriber i also heard that under federal law you have thirty { 30 } days to complete your re-investigation be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation sincerely 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 non-monetary relief
Consumer complaint received 2025-11-16 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: Transform Credit Inc.
State: CA

Complaint narrative:
I met what was being asked of as a cosigner to a loan my friend got approved for and then received an email saying due to me not having a long enough history so my accounts were to young thats why I was denied and that they couldn't tell me how they got that information. This all happened XXXX XXXX And Ive emailed them several times about it and have complied to their requests. Just for them to lie to me and say other cosigner are applying when there absolutely were not. This was confirmed by the person who got approved for the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX  I got into an accident and my XXXX XXXX financed with GM FINICIAL got totaled. I had XXXX which paid my claim in less than a month,, I also had GAP insurance which was used to pay off loan as well. They paid it off in full and I thought all was good, but no XXXX GM saying I owe them XXXX $ which I do not, This is two cars with GM and bought a XXXX XXXX XXXX XXXXXXXX MI , I've bot several cars from over the years but there was a hint of problems but wasn't sure what it was,,, but it s fraud, crippling and hurtful... GM reported this first as a repo then a loan that late for 2 years,, this destroyed my credit,, not to mention it was during covid .. length of the loan, the amount, even not showing over a 8 months of payments I paid in XXXX when I owned the car,, they just disappeared off my credit report, ,XXXX  and my GAP INSURANCE PAID my loan in full,,, this is WRONG I'm tired of suffering for there greed, I have documents to back up all I'm stating. PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: OH

Complaint narrative:
i happen to check my credit report and notice some fradulent accounts on my credit report i would like for you to please remove from my credit report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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 happen to check my credit report and notice some fradulent accounts on my credit report i would like for you to please remove from my credit report thank you

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : 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 2025-11-16 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: Block, Inc.
State: MI

Complaint narrative:
On XXXX XXXX  I made a purchase through a vendor advertising on XXXX. The total that was charged to my card was {$30.00}. The vendor attempted to charge my charge two other times before the charge actually went through because I had my card locked. Once the locked was lifted the charge was successful. The vendor stated on their website that purchases takes 1-3 days to process and ships within 10-15 days. After 20+ days I havent received my items and I reached out to the vendor and they claim that they would investigate my claim. To date, I havent heard from the vendor but in the meantime I reached out to CashApp to dispute the charge and they denied my claim twice. CashApp said that the vendor fulfilled their obligation. The vendor did not. I believe that CashApp failed to do an adequate investigation into my claim not once but twice. CashApp needs to be held accountable as well for not following proper procedures for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I contacted Huntington Bank multiple times to request information about how to manage my checking account while it has a negative balance. I specifically requested guidance on how to : ( XXXX ) revoke authorization for all future electronic debits, ( XXXX ) stop any recurring or card-on-file payments, ( XXXX ) disable all overdraft services, and ( XXXX ) begin the process of closing the account once I bring the balance to XXXX. 

Each representative gave different instructions, and several told me that none of these steps could be taken unless the account balance was positive. In multiple calls, I asked the bank to accept written notice, update account notes, or provide information about the correct department or procedure, but I was repeatedly told this was not possible or was transferred without resolution. 

As a result, I have been unable to properly manage or stabilize the account, and I have not received clear or consistent information on how to submit revocation of authorization or prevent additional electronic debits. I am seeking accurate guidance from the bank on how to stop unauthorized or unwanted payments, disable overdraft services, and prepare the account for closure once the balance is brought to zero

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not have all the account details. I only know that this collection account was reported by Experian on behalf of XXXX XXXX for a telematics tracker I never requested or used. I previously disputed this with Experian, and XXXX  and XXXX  have already removed the account. I am submitting this complaint to provide additional evidence and request Experian remove this inaccurate collection 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 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
Subject : Wells Fargo XXXX XXXX XXXX Failed to Protect Me From Fraud Partial Credit Only Returned Complaint : I am requesting the CFPBs intervention because both Wells Fargo and XXXX  XXXX failed to protect me from an organized financial and romantic fraud scheme. I lost {$9800.00} through XXXX XXXX, most of which was funded by my Wells Fargo Autograph credit card. Only {$2000.00} has been returned by Wells Fargo as a temporary credit, leaving me responsible for more than {$7000.00} in fraudulent debt. 

Between XXXX and XX/XX/year>, I was manipulated and financially XXXX  by an individual named XXXX XXXX XXXX, who used coercion, emotional pressure, and misrepresentation to force payments through Cash App. This was not a consensual relationship transaction it was a fraudulent scheme involving coercion, exploitation, and deception. XXXX was simultaneously receiving government assistance, using her minor children in the manipulation, and making financial demands under emotional duress. 

I followed all fraud-reporting procedures : I reported the scam to Wells Fargo and requested fraud investigation.

I reported it to XXXX XXXX, which refused to intervene. 

I filed with the FBI, FTC, and the XXXX XXXX authorities. 

I submitted a written demand letter to XXXX, which she ignored. 


Despite clear evidence of coercion, financial XXXX, and unauthorized use under duress, Wells Fargo denied most of my fraud claim, stating that the transactions were authorized. They are ignoring the legal standard for fraud that includes coercion, exploitation, and deception, not just physical card theft. 

I am requesting the CFPB to : 1. Review Wells Fargos handling of my fraud claim. 


2. Require Wells Fargo to restore the remaining balance lost through deception.

XXXX. Require XXXX XXXX to cooperate in the investigation and provide transaction-level data. 


4. Protect me as a vulnerable consumer targeted through manipulation and coercion.

I make $ XXXX as a school Instructional Support Specialist and these coerced transactions pushed me into deep financial hardship, ruined my credit, and caused family conflict. Wells Fargos refusal to correct this violates consumer protection standards for coerced debt and fraudulent manipulation. 

I am asking for the CFPBs help in obtaining full credit restoration and accountability from both institutions.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Account is paid in full and company is still reporting on my credit as past due when its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Company Being Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX  Date First Delinquency : XX/XX/XXXX Date Furnished : XX/XX/XXXX Status : UNPAID COLLECTION Complaint Summary : This is a formal investigation request and dispute of inaccurate and unverified information being reported by Monterey Financial.

The account they are reporting is inaccurate, incomplete, and not properly verified as required by federal law.

Federal Laws Being Violated : FCRA 15 U.S.C. 1681e ( b ) They are reporting information that is not verified for maximum accuracy.

FCRA 15 U.S.C. 1681i A proper reinvestigation was not performed.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may NOT report information they know or should know is inaccurate.

FCRA 15 U.S.C. 1681g I requested full documentation. It was not provided.

FDCPA 15 U.S.C. 1692g ( b ) They are collecting without validation.

FACTA 312 Unverified information must be deleted.

What I Requested That Was Ignored : I asked Monterey Financial to provide : A signed contract bearing my signature Proof of ownership or assignment of the debt Itemized accounting from day one Method of verification Date and manner they contacted the original creditor None of this was provided.

Case Law Supporting Removal : Cushman v. Trans Union ( 3rd Cir. ) A passive investigation is illegal.

Pinner v. Schmidt Unverifiable accounts must be removed.

Dalton v. Capital Associated Industries Failure to verify = FCRA violation.

Requested Action : I am requesting the CFPB to : 1. Investigate Monterey Financial for FCRA violations 2. Compel them to provide proper validation or delete the debt 3. Order deletion from ALL credit bureaus if they can not validate 4. Stop furnishing unverifiable information Relief Requested : Permanent removal of this account Written confirmation of deletion No reinsertion without full compliance Compliance with ALL FCRA reinvestigation laws Certification : All statements in this complaint are true and correct to the best of my knowledge. 



Signed, XXXX XXXX Consumer & Complainant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Unauthorized credit inquiries from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX were added to my Experian credit report on XX/XX/year>. I did not request or authorize these inquiries. They are fraudulent and should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$300.00}, XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$300.00}, XXXXTO be UPDATED to OPEN/PAID AS AGREED OR OPEN/NEVER LATE IMMEDIATLY...

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