vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: VA

Complaint narrative:
I am filing a complaint against Budget Rent a Car and Wells Fargo ( my credit card issuer ) for a charge of {$810.00} made under merchant misrepresentation while I was traveling in XXXX, XXXX 

On XX/XX/XXXX, I made a car rental reservation through XXXX for a XXXX vehicle to be picked up on XX/XX/XXXX and returned on XX/XX/XXXX. I prepaid part of the amount and was told I would pay the remaining balance of {$380.00} to XXXX upon arrival. 

When I arrived in XXXX on XX/XX/XXXX at around XXXX PM, I mistakenly walked into the Budget Rent a Car office next door to XXXX. I told the representative I had a reservation, and she gave me keys and had me sign paperwork. At no point did she inform me that I was at a different company or that I was entering into a new, separate rental agreement. She also recharged me for a protection plan I had already purchased through XXXX. I returned the vehicle on XX/XX/XXXX around XXXX XXXX 

Only after returning home did I realize I had been charged {$810.00} by XXXX more than double the expected amount, and not from the company I had reserved with. When I called XXXX, they refused to offer a refund and were dismissive, telling me that not even your bank will help you. They also refused to provide me with a receipt when I requested a digital copy of my reciept to be sent to my email. 

I disputed the charge with Wells Fargo XXXX, but they denied my claim, saying I used the service even though I used it under false pretenses, and never knowingly agreed to rent from Budget at that price. This violates my rights under the Fair Credit Billing Act ( Regulation Z ), which includes protections for goods or services not accepted by the consumer or not delivered as agreed. 

I am seeking a full refund of {$810.00} on the basis of merchant misrepresentation, and I am asking the CFPB to ensure Wells Fargo investigates this properly and honors its legal obligations under Regulation Z.

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 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
Account UNITED REVENUE # XXXX I'm unaware of this debt and did not have the opportunity to dispute it. If you sent proper notification, please provide Certified Mail with a receipt displaying my signature; if not, please delete account # XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
The late payment reported is not only inaccurate, but it has also caused a significant drop in my credit score, despite a long history of on-time payments. I respectfully request that you review my account, verify the correct payment history, and remove this mark as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Second Formal Dispute Fraudulent Inquiry Still Reporting To whom it may concern, I am submitting this second formal dispute regarding a fraudulent hard inquiry that still appears on my credit report, despite a complete first-round identity theft submission. 

I did not authorize the following inquiry, and it was placed without my knowledge or consent : XXXX XX/XX/year> In my initial dispute, I provided the following documents : FTC Identity Theft Report Government-issued photo ID SSN Proof of address In accordance with the Fair Credit Reporting Act ( FCRA ) 605B, you are required to block fraudulent information within four business days of receiving valid proof. Additionally, FCRA 607 ( b ) mandates that you ensure the highest level of accuracy when maintaining consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
Please consider this a formal dispute of fraudulent accounts reported under my name. I did not open these accounts, nor did I authorize any party to do so on my behalf. In accordance with 15 U.S.C. 1681g, I demand their deletion from my credit file within 15 days. Attached are documents substantiating this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello im XXXX i have a one collection more then XXXX and late payment im coming here to you to fix everything pls thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
On XX/XX/XXXX, I learned from my separated spouse that a lawsuit ( Cause No : XXXX, Justice Court , Precinct 4, Place 1, XXXX XXXX XXXX Texas ) was served at an address I havent lived at for years ( XXXX XXXX XXXX XXXX XXXX XXXX TX ), not my current address ( XXXX XXXX XXXX, XXXX XXXX TX XXXX ). The suit, filed by XXXX XXXX XXXX on behalf of Velocity Investments LLC, claims a {$1900.00} debt from an Upgrade account. I dispute this debt entirely. 

On XX/XX/XXXX, I sent a Notice of Truth, Dispute and Conditional Acceptance to XXXX XXXX XXXX ( received XX/XX/XXXX, Certified Mail Tracking No : XXXX ), demanding validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ). I requested a written affidavit sworn under penalty of perjury with first-hand knowledge, including a signed contract, purchase agreements, chain of title, assignments, and GAAP bookkeeping entries ( including any IRS Form 1099-C from the original creditor, XXXX XXXX XXXX  ) XXXX I also sent a similar notice to Velocity Investments LLC ( received XX/XX/XXXXXXXX  ). Neither party has responded as of XX/XX/XXXX, over 80 days later, violating FDCPA 1692g ( b ), which requires ceasing collection until validation is provided. 

On XX/XX/XXXX, I filed an Affidavit of Truth and Defendants Answer with the court, asserting improper service ( violating Texas Rule of Civil Procedure 106 and Texas Debt Collection Act, Tex. Fin. Code 392.304 ( a ) ( 14 ) ) and lack of evidence ( * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). I served these on XXXX XXXX ( received XX/XX/XXXX, Tracking XXXX : XXXX ). On XX/XX/XXXX, I demanded GAAP entries and a 1099-C from XXXX XXXX XXXX  , with no response. 

A prior CFPB complaint against Velocity ( ID : XXXX, closed XX/XX/XXXXXXXX  ) noted XXXX XXXX claim that service was perfected on XX/XX/XXXX, by affixing to a door at the wrong address, which I dispute. They admitted receiving my dispute on XX/XX/XXXX, and updating my address, but stated validation is still being processed. Continuing the lawsuit without validation violates FDCPA 1692e ( false representations ) and Tex. Fin. Code XXXX ( failure to verify disputed debt ). Their claim of no credit reporting doesnt address potential FCRA violations ( 15 USC 1681s-2 ( b ) ) if negative impacts occur, which Ive demanded they prove absent. 

XXXX XXXX failure to validate, improper service, and ongoing litigation despite my dispute are unlawful, causing distress and legal expenses. I demand they cease collection and dismiss the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I have been affected by the Equifax data breach. As a result of my info being compromised, several unauthorized accounts are on my credit report. I would like to resolve this before consulting with my attorney

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several companies accessed my credit report without my authorization, negatively impacting my credit and score. Despite your representatives assurance that these unauthorized inquiries would be removed, they remain. Their continued presence is unacceptable, raises serious concerns of identity theft, and is causing ongoing financial and emotional distress. I demand immediate investigation and the prompt removal of all unauthorized inquiries from my 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 2025-06-10 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX 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 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX 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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Subject : Failure to Respond to Debt Validation Request XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this complaint regarding a debt collection agency, XXXX XXXX XXXX, that is reporting an alleged rental-related debt on my credit report. 

On XX/XX/year>, they received my certified debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite proper delivery and documentation, I have not received any response or verification of the alleged debt. This is in violation of my consumer rights. 

Furthermore, they continue to report this debt to the credit bureaus without marking it as disputed, and it remains on my credit file. This action is misleading, potentially damaging to my credit profile, and non-compliant with federal law. 

I respectfully request that the Consumer Financial Protection Bureau take the following actions : Investigate XXXX XXXX XXXX for failure to validate the debt Require the debt to be removed from all credit reports due to lack of verification Ensure that this account is flagged as disputed immediately if it continues to appear I am attaching : A copy of my certified mail receipt A copy of the debt validation letter sent My credit report showing the unverified collection entry Thank you for your assistance in protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
This is a dispute regarding multiple accounts that were fraudulently created using my personal information. I never applied for or opened these accounts. Under 15 U.S.C. 1681g, please remove them from my credit report within 15 days. Attached is evidence that supports my claim.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am a victim of identity theft, and this account was open without my knowledge or authorization. under FCRA 605B And the Fair Debt collection practices act I request that this debt be removed and all collection efforts cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Let me be clear : this is wrong. It is your responsibility under the Fair Credit Reporting Act to ensure that all data reported about me is accurate, verifiable, and complete. Im asking you to do exactly that verify this information. And if you can not 100 % confirm, with documentation, that this information rightfully belongs to me and was reported with my consent, then you are obligated to delete it from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have been a victim of identity theft since late XXXX. I noticed the incident in XX/XX/XXXX and have worked hard to close any credit cards opened as a result of identity theft. The thief opened an American Express credit card on XX/XX/XXXX. The card number ends with XXXX. I have called American Express twice in XXXX to request its closure. The representatives said they would proceed to close it and would send me a notice by mail. However, I have not received any mail from American Express, and the credit card has not been closed yet. Please have American Express close the credit card.

Company response to consumer: Closed with explanation