vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On Monday ( XX/XX/2025 ), I received an email in my XXXX account telling me that 'your card is on the way '. This appeared to be for an XXXX XXXX XXXX XXXX issued by Barclays Bank US. I have the email as proof. I DID NOT OPEN THIS CREDIT CARD ACCOUNT. 

Thinking this is a phishing email, I ignored it. Then, later that day, I got another email from XXXX XXXX showing a receipt for {$300.00}. I DEFINITELY DID NOT MAKE THIS PURCHASE. 

This concerned me after having another identity theft event with XXXX just a couple of days before on Saturday, XX/XX/XXXX. I had already frozen my account with all three credit bureaus but I was worried so I checked my XXXX credit report on XX/XX/XXXX and that's when I found the XXXX XXXX credit card on my credit report. I immediately called XXXX to let them know and filed a dispute. They advised that I file this report on ftc.gov. XXXX  advised that they will contact Barclays Bank XXXX XXXX XXXX credit card and dispute this. 

Let me know if you'd like me to forward both emails and where to send them to.

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 2025-06-14 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I reached out to Wells Fargo regarding a USDA-guaranteed mortgage that has been paid off in full. I am trying to confirm whether the lien has been properly released and to obtain the Satisfaction of Mortgage documentation.

Instead of assisting me, Wells Fargo incorrectly redirected me to the USDA, despite USDA being the guarantornot the lender responsible for lien release or document filing.

I have made multiple attempts to contact Wells Fargo by phone. Their voicemail system plays a full message instructing callers to leave a message, but does not allow one to be left due to a full or inactive mailbox. I have not been able to reach a representative or receive any response. 

The mortgage in question is recorded as follows : Mortgage From : United States of America, acting through the Rural Housing Service and its successors Mortgage To : XXXX XXXX. XXXX, XXXX XXXX. XXXX Date : XX/XX/year> Recorded : XX/XX/year> Volume # : XXXX Page : XXXX Amount : {$15000.00} Open Ended : No This unresolved lien is preventing me from clearing title on my property. I need confirmation that the lien has been released and for the appropriate documents to be provided and recorded.

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 2025-06-14 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:
I am filing this complaint because there are unauthorized and false hard inquiries on my credit report that I did not initiate or approve. Under Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a credit report may only be accessed with my written permission or for a permissible purpose such as a credit transaction I initiated. These inquiries do not meet those criteria and were made without my consent. I did not apply for credit with the companies in question, nor did I authorize any third party to do so on my behalf. These inquiries are negatively impacting my credit score and violate my rights under federal law. I am requesting that the FTC investigate these unauthorized inquiries and hold the responsible parties accountable for violating the FCRA. I am also requesting their removal from my credit file immediately. FTC report 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 2025-06-14 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4900.00}

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 2025-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following debt MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I offered {$150.00} above principle, repaid in 3 weeks, and was denied for months. Now I have been issued delinquency reports to all credit bureaus. They never attempted to resolve with me in this matter from the beginning. I feel this is predatory actions and not customer oriented practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company violated my consumer rights and put a debt on my credit which is fraudulent.

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 2025-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g ( b ), requesting full validation of the alleged debt you claim I owe. To date, you have not provided sufficient verification of the debt in question.

Please be advised that if you fail to validate the alleged debt within 30 calendar days of receiving this letter, I will consider the matter closed, and demand that the account be permanently deleted from your records and any consumer reporting agencies.

Additionally, I remind you that any violation of the FDCPA, including continued collection efforts without proper validation, may subject you to civil liability under 15 U.S.C. 1692k, including actual damages and statutory damages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-14 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:
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-14 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute a 60-day late payment reported by XXXX XXXX on my XXXX-branded credit card. This delinquency is not reflective of my payment behavior and resulted from communication errors on XXXX XXXX  part. I am requesting a thorough and expedited review and removal of this derogatory item. 

In early XXXX, XXXX XXXX mailed a notice about changes to XXXX accounts, but it was sent to a very outdated address. I was never notified via email or online account alerts. As a result, I continued submitting payments via online banking to the prior account, unaware that my account had changed or that a balance had accrued. 

I only became aware of the issue upon receiving a credit bureau delinquency alert. Upon contacting XXXX XXXX, I learned that the outdated address was still in their system. I have since updated my information and made multiple documented attempts to resolve the issue. While XXXX XXXX issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. 

As of XX/XX/XXXX, I have paid the account in full. XXXX XXXX should have internal records or call logs that document my repeated efforts to resolve this and confirm that I acted in good faith. I am now in the process of purchasing a home, and this one incorrect item is jeopardizing that process. 

I respectfully request an urgent investigation and removal of this late payment from my credit report. I have attached all supporting documentation available and am happy to provide further details if needed. 

Thank you for your immediate attention. 

XXXX XXXX XXXX : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Current Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed inaccurate reporting on the XXXX XXXX XXXXXXXX account with Experian starting XX/XX/XXXX. I provided proof of a {$150.00} payment made on XX/XX/XXXX, yet they reported the account as 120 days late in XX/XX/XXXX, which is false. 

XXXX wasnt even over, and a 120-day late means no payments since XXXX but I made a payment and have bank documentation confirming it. Experian eventually removed the 120-day late mark, but only after I disputed it again. The fact that it was ever reported proves they are not verifying account accuracy before posting damaging data. 

Even now, the account still shows the last payment date as XX/XX/XXXX, which is a full year off, and the balance remains inaccurately listed as past due. I have tried to fix this multiple times directly with Experian, and they continue to close the dispute without correcting all errors. 

This repeated pattern of false reporting and failure to correct violates the Fair Credit Reporting Act ( FCRA ). I am requesting : Correction of the last payment date to XX/XX/XXXX Review of the current balance and late status A full investigation into Experians dispute resolution process These inaccuracies have hurt my credit score and ability to access financial opportunities. I need this resolved immediately.

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 2025-06-14 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: FL

Complaint narrative:
In XX/XX/year>, I filed a dispute regarding a XXXX day late payment reported by XXXX from XX/XX/year>. The dispute was resolved in my favor, and the delinquency was removed from my credit reports. 

However, as of XX/XX/year>, both TransUnion and XXXX  are once again showing the exact same late markeven though my account is in good standing. I have a {$0.00} balance due and made a {$140.00} payment on XX/XX/year>. 

XXXX appears to have re-reported inaccurate data, causing my credit score to drop significantly after it was already corrected. This is the second time Ive had to deal with the same mistake. 

I have reached out to XXXX again and uploaded full documentation showing my account is current. I am requesting that the CFPB investigate and require the servicer to permanently remove this derogatory information from my credit files. 

I have attached a formal dispute letter and supporting screenshots with this complaint.

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 2025-06-14 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX 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 2025-06-14 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:
Ive 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