vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) .In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
XXXX XXXX XXXX XXXXXXXX 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 2025-07-31 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 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: VA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY AND IN MY CREDIT REPORT IT IS SHOWING A FRAUDULENT XXXX  XXXX XXXX ACCOUNT ( XXXX ) OPENED XXXX WHICH MUST BE REMOVED FROM MY CREDIT REPORT ASAP. ALSO SHOWING A FRAUDULENT INQUIRY BY XXXX  XXXX XXXX WHICH MUST BE REMOVED FROM CREDIT REPORT ASAP. I AM THE ONLY PERSON WHO MADE THIS STATEMENT. 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 explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY AND IN MY CREDIT REPORT IT IS SHOWING A FRAUDULENT XXXX  XXXX XXXX ACCOUNT ( XXXX ) OPENED XXXX WHICH MUST BE REMOVED FROM MY CREDIT REPORT ASAP. ALSO SHOWING A FRAUDULENT INQUIRY BY XXXX  XXXX XXXX WHICH MUST BE REMOVED FROM CREDIT REPORT ASAP. I AM THE ONLY PERSON WHO MADE THIS STATEMENT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Using 15usc1681 I never gave them written consent to furnish my information or obtain my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal notice regarding the inaccuracy and incompleteness of the credit information reported to the credit bureaus concerning the above-referenced consumer account. According to the Fair Credit Reporting Act (FCRA), Section 604(a)(3), and Metro 2 Data Reporting Standards, you are required to verify the accuracy and completeness of the data you report and to notify the consumer of any negative information within a reasonable time frame. Under FCRA 604(a)(3), the consumer must be provided notice of negative information within a reasonable period, which is generally considered to be within 30 days of reporting. Dispute Details: Trans Union Corp Dispute Item:Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide verifiable proof of the accuracy of this accounts, including an original consumer contract with my signature, as per Metro 2 standards, to substantiate the reporting of this account. Failure to verify or correct this information has adversely affected my ability to obtain credit. Under FCRA, unverifiable accounts must be removed, and I request the immediate removal of this account from my credit report if verification cannot be provided. Please remove or verify this account within fifteen (15) days of receipt of this notice, as mandated by law. Additionally, I request that you cease all non-account holding inquiries over 30 days old, and update my credit file to include a promotional suppression as appropriate. Legal Notice: Per FCRA 604(a)(3), a notice of negative information must be provided within a reasonable time frame, which is within 30 days of reporting. Failure to comply may result in legal action. Thank you for your prompt attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Constant calling of my cell phone even after payments have been sent and after ive repeated i work nights and to put me on a do not call list. They keep calling from new numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary.

Thank you very much for your attention to 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
All Wells Fargo card alerts ( transactions, balance, past due, etc. ) offer push and email, except : Payment Due = Email only Payment Past Due, ironically, does offer push but by that point, youve likely already incurred a late fee or credit score impact.

Push is faster, more noticeable, and often acted on immediately compared to email. 

Why This Looks Like a Deliberate Design : Theres no technical reason they cant enable push for a payment due reminder its XXXX of the most basic and expected alert types. 
By omitting the most timely and actionable push notification the one that would help users avoid late fees they appear to be : Increasing likelihood of missed payments Benefiting from late fees or interest charges Masking the practice under the guise of a limited alert feature set This Has the Hallmarks of a Dark Pattern : A dark pattern is a design choice intended to trick or manipulate users into decisions that benefit the company more than the user. 

This qualifies because : It limits helpful alerts. 
It creates friction that leads to profit through penalties. 
The inconsistency is not user-serving, and clearly intentional. 

I specifically advised I do not need a late fee waiver but I do want to see this practice changed to help avoid late fees in the future. If this is not changed within 30 days, I will file for class action.

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 monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-07-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: TX

Complaint narrative:
XXXX XXXX  Company Name : XXXX XXXX Wisely by ADP XXXX XXXX Website : XXXX XXXX XXXX XXXXXXXX : XXXXwisely.XXXX XXXX XXXX XXXX XXXX XXXXXXXXwisely.XXXX  ) -- - I am filing a formal complaint against Wisely by ADP regarding serious issues with my prepaid debit card account. On XX/XX/XXXX, I experienced blocked access to my card. 

I immediately contacted Wisely customer support by phone and chat on XX/XX/XXXX & XX/XX/XXXX, but the responses I received were either generic, unhelpful, or completely unresponsive. In some cases, I was left on hold for over an hour, transferred repeatedly, told my issue could not be escalated, and the worse thing, the representatives would rudely just disconnect the calls. 

Despite my efforts, the issue remains unresolved. My funds are still inaccessible, which is causing me severe financial hardship. I believe this conduct may violate consumer protections under the Electronic Fund Transfer Act or CFPB regulations, especially as I have provided all required documentation and attempted to resolve this through normal customer service channels. 

This has affected my ability to pay for essentials like rent, food, and transportation. I am attaching supporting documentation showing my account history, prior attempts to resolve the issue, and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-07-31 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: GA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I paid off a debt to a third-party collection agency. The original creditor ( XXXX or XXXX Bank ) has confirmed I no longer have an account or owe a balance. However, they continue to report the account as a charge-off with late payments and derogatory status to the credit bureaus. This is misleading, inaccurate, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have made a good-faith request to correct or remove the tradeline, but they have failed to take appropriate action.

Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian & Equifax ) Date of Last Activity : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( Equifax ) Reported as : Charge-Off / Collection Balance : {$0.00} across all three bureaus Status : Closed, but marked as Derogatory / Charge-Off This account is inconsistent across the three bureaus, paid in full, and no longer legally collectible. Despite this, you continue to report it as : Charged off Derogatory With inconsistent dates and statuses {$0.00} balance but still impacting my credit as negative Both the original creditor ( XXXX ) and the third-party collector have confirmed that I no longer have any account or obligation with either party. Therefore, the continued reporting of this account is inaccurate, misleading, and a direct violation of federal consumer protection law.

The original creditor is violating the following sections of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate information after dispute 15 U.S.C. 1681s-2 ( a ) : Continuing to report data they know is inaccurate 15 U.S.C. 1681c ( a ) ( 4 ) If this debt was charged off and sold in XXXX, it is approaching its reporting obsolescence window. Misreporting the dates may result in illegal re-aging of the account.

DEMAND FOR PERMANENT DELETION This item is : Legally invalid Factually inaccurate No longer verifiable Damaging my credit file unjustly Therefore, I demand the permanent deletion of this account from all three credit bureaus, not merely a correction.

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 2025-07-31 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: MD

Complaint narrative:
I paid off a debt to a third-party collection agency. The original creditor ( XXXX or XXXX Bank ) has confirmed I no longer have an account or owe a balance. However, they continue to report the account as a charge-off with late payments and derogatory status to the credit bureaus. This is misleading, inaccurate, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have made a good-faith request to correct or remove the tradeline, but they have failed to take appropriate action.

Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian & Equifax ) Date of Last Activity : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( Equifax ) Reported as : Charge-Off / Collection Balance : {$0.00} across all three bureaus Status : Closed, but marked as Derogatory / Charge-Off This account is inconsistent across the three bureaus, paid in full, and no longer legally collectible. Despite this, you continue to report it as : Charged off Derogatory With inconsistent dates and statuses {$0.00} balance but still impacting my credit as negative Both the original creditor ( XXXX ) and the third-party collector have confirmed that I no longer have any account or obligation with either party. Therefore, the continued reporting of this account is inaccurate, misleading, and a direct violation of federal consumer protection law.

The original creditor is violating the following sections of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate information after dispute 15 U.S.C. 1681s-2 ( a ) : Continuing to report data they know is inaccurate 15 U.S.C. 1681c ( a ) ( 4 ) If this debt was charged off and sold in XXXX, it is approaching its reporting obsolescence window. Misreporting the dates may result in illegal re-aging of the account.

DEMAND FOR PERMANENT DELETION This item is : Legally invalid Factually inaccurate No longer verifiable Damaging my credit file unjustly Therefore, I demand the permanent deletion of this account from all three credit bureaus, not merely a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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