vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I submitted formal dispute letters to all three credit bureaus, including evidence such as screenshots and documents clearly showing inconsistencies and inaccuracies in the account information. Despite submitting these materials, I have not received a proper or meaningful response. The account remains unchanged on my credit reports, and I believe the bureaus have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The accounts I disputed are as follows : Equifax : 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 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  These inaccuracies have not been corrected or removed, and no sufficient explanation has been provided. I respectfully request the CFPB to assist in enforcing a full and fair investigation by the credit bureaus and ensure that unverified or inaccurate information is removed from my credit reports. 

Attached to this complaint are copies of the original dispute letters and the evidence I previously submitted to the credit bureaus. 

Requested Resolution : Immediate removal of the inaccurate charge-off entries. 

Written confirmation from each credit bureau of the results of a full reinvestigation. 

Compliance with FCRA guidelines and protection of my credit rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XX/XX/year>, I returned XXXX  equipment using their return label. I have email confirmation that they received the return. Despite this, I was charged {$340.00} including both WiFi service and equipment. I paid {$140.00} for the valid service portion, but the remaining {$200.00} was for the returned equipment. That charge was then sent to collections and is now being reported by TSI. 
I first disputed the charge with XXXX XXXX by mail and email on XX/XX/year>, including the tracking number and return confirmation. I also sent the same documentation to XXXX XXXX on XX/XX/year>. Neither agency resolved the issue. I then disputed the item with Experian, attaching proof of return, but the collection remains on my report. 
I am requesting that this inaccurate {$200.00} collection be removed from my credit report and that all collection efforts stop. The debt is not valid. 
Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Please remove these following inquiries, it's been already 15 days! 

Experian ( EX ) : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> TransUnion ( TU ) : Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year>

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 2025-06-17 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Please remove these following inquiries, it's been already 15 days! 

Experian ( EX ) : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> TransUnion ( TU ) : Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year>

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 2025-06-17 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: CO

Complaint narrative:
On XX/XX/XXXX I was charged in the amount of {$1700.00} to my account by XXXX XXXX. I filled a fraud claim last year from my card from XXXX XXXX and it was resolved in my favor. This year, Wells Fargo then charged my new card this {$1700.00} amount by mistake, which I have in writing. I was able to get this refunded on XX/XX/XXXX, but on XX/XX/XXXX, after I had been refunded my account has been charged the same amount AGAIN. Dealing with the fraud department has been a nightmare. They have hung up on me, transferred me between departments and claimed they can't see the charge. I finally had to go in person to a banker to get them to look at my claim and send me any documentation on the matter. Now the same thing is happening again.

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 2025-06-17 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: FL

Complaint narrative:
I submitted formal dispute letters to all three credit bureaus, including evidence such as screenshots and documents clearly showing inconsistencies and inaccuracies in the account information. Despite submitting these materials, I have not received a proper or meaningful response. The account remains unchanged on my credit reports, and I believe the bureaus have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The accounts I disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies have not been corrected or removed, and no sufficient explanation has been provided. I respectfully request the CFPB to assist in enforcing a full and fair investigation by the credit bureaus and ensure that unverified or inaccurate information is removed from my credit reports. 

Attached to this complaint are copies of the original dispute letters and the evidence I previously submitted to the credit bureaus.

Requested Resolution : Immediate removal of the inaccurate charge-off entries.

Written confirmation from each credit bureau of the results of a full reinvestigation.

Compliance with FCRA guidelines and protection of my credit rights XXXX : XXXX delivery date : XX/XX/year> Shipped To : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Creditor Name : JPMCB CARD Date of Inquiry : XX/XX/year> Issue : No credit application submitted on this date to JPMorgan Chase. 

Please investigate these inquiries and provide : Documentation showing I authorized these inquiries. 

The name and contact of the party who initiated them. 

Confirmation that these inquiries were conducted for a permissible purpose. 

If you are unable to verify that I initiated these inquiries, I respectfully request that they be deleted from my credit file. 

Please respond to this dispute within the 30 days required by the FCRA. A copy of my government-issued ID and proof of address is enclosed for identity verification. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
FOURSIGHT attempted to collect {$500.00} off my card every XXXX of every month when I signed an agreement with smart pay to pay {$250.00} every XXXX weeks and FOURSIGHT is well aware of this and agreed over the phone that I pay {$500.00} in XXXX payments every XXXX weeks. My XXXX XXXX just reached over XXXX and Any late payment will cause my credit score to drop tremendously of XXXX points if reported to the credit bureaus so can you fix this problem immediately because FOURSIGHT is in violation of the contract!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC.

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 2025-06-17 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: FL

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXX, XXXX and reference XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX have violated my rights. 

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

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: VA

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 non-monetary relief
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : 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 XXXXXX/XX/year>

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 2025-06-17 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate Credit Reporting ( Confirmation # XXXX ) To Whom It May Concern : I am disputing multiple inaccuracies on my Equifax credit report under 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). The following accounts violate federal law due to unverifiable, outdated, and incomplete reporting : Disputed Accounts & Legal Violations 1. * Account # XXXX ( Opened XX/XX/XXXX | {$2300.00} Balance ) 1681e ( b ) Violation : Payment history shows conflicting delinquency timelines. The " Date of 1st Delinquency '' ( XX/XX/XXXX ) contradicts the " Last Payment Date '' ( XX/XX/XXXX ). This inconsistency violates FCRA requirements for maximum possible accuracy1.

1681c ( a ) ( 4 ) Violation : Negative information older than 7 years persists. The payment history extends to XXXX, exceeding permissible reporting limits1. 
2. * Account # XXXX ( Opened XX/XX/XXXX | {$4400.00} Balance ) XXXX ( b ) Violation : No evidence of updated payment status since XX/XX/XXXX. Furnisher failed to conduct a reasonable investigation into post-dispute reporting1.

1692e ( 8 ) FDCPA Violation : Continued reporting of stale debt without validation constitutes deceptive practices.

3. * Account # XXXX ( Opened XX/XX/XXXX | {$2700.00} Balance ) 1681i ( a ) ( 1 ) Violation : " Months Reviewed '' ( 99 ) and missing " Date Closed '' field render this account incomplete and unverifiable1. 
4. * Account # XXXX ( Opened XX/XX/XXXX | {$7300.00} Balance ) 1681c ( c ) Violation : " Activity Designator '' and " Charge Off Amount '' fields are blank, violating requirements for complete data1.

Legal Demands I demand you : Immediately delete all disputed accounts under 1681i ( c ) due to failure to verify.

Update all payment timelines to reflect accurate 7-year reporting windows.

Cease reporting unresolved disputes per 1681i ( d ).

Failure to resolve within 30 days will result in : Formal complaints to the CFPB ( 12 CFR 1022 ) Litigation under 1681n for willful noncompliance ( statutory damages up to {$3500.00} per violation ) Attached : Equifax credit report ( Confirmation # XXXX ) Highlighted discrepancies Certify in writing that these items have been permanently removed. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Federal Trade Commission Legal Foundation : 15 U.S. Code 1681i : Requires deletion of unverifiable data.

15 U.S. Code 1681s-2 ( b ) : Mandates furnisher investigations. 
CFPB Bulletin 2014-01 : Prohibits reporting of incomplete payment histories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
15USC1692g 15USC6802 shared my nonpublic data with a nonaffiliated 3rd party without my wet signature. I have no contract with collection agency bearing my signature. Cease and Desist further contact. Remove from all credit bureaus FCRA Section 605B 15USC1681c-2 FCRA 611 15USC1681I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
15USC1692g 15USC6802 shared my nonpublic data with a nonaffiliated 3rd party without my wet signature. I have no contract with collection agency bearing my signature. Cease and Desist further contact. Remove from all credit bureaus FCRA Section 605B 15USC1681c-2 FCRA 611 15USC1681I

Company response to consumer: Closed with non-monetary relief