vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Portfolio Recovery Associates through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Portfolio Recovery Associates receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint against the Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, for discriminatory and unfair treatment. 
On XX/XX/year>, the teller manager refused to deposit a XXXX XXXX homeowners insurance check that was properly signed by both me and my mortgage company, XXXX XXXX. She said it needed a stamp, which XXXX XXXX confirmed was not standard banking procedure. The Wells Fargo branch manager eventually approved the deposit. 
On XX/XX/year>, the same teller manager refused to cash two IRS refund checks, insisting she could only deposit them. Again, the branch manager had to intervene and approve the transaction. 
I am a XXXX customer in a predominantly white community. I believe the teller managers repeated refusal to provide service was racially motivated and discriminatory. 
I am requesting a full investigation into the teller managers conduct and Wells Fargos branch practices.

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 2025-10-30 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: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-30 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: OK

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 

Charged Off Accounts XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Reported Date : XX/XX/XXXX Amount : {$230.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX Amount : {$170.00} Inquiries XXXX XXXX XXXXXXXX - Reported Date : XX/XX/XXXXXXXX XXXX XXXX - Reported Date : XX/XX/XXXXXXXX XXXX XXXX  - Reported Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 2025-10-30 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 am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 

Experian ( 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

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 2025-10-30 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-30 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-30 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: AL

Complaint narrative:
I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 for the following accounts and inquiries that appear to be inaccurate or unverifiable on my TransUnion credit report. 

Charged-Off Accounts in Dispute XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$18000.00} XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX Amount : {$4200.00} These accounts appear to be aged beyond the allowable reporting period under FCRA 605 ( a ). I request documentation proving these accounts are both valid and reportable. If not verifiable, please remove them immediately. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I do not recall granting authorization for these inquiries. Please confirm whether these were made with a permissible purpose under FCRA 604. Any inquiry that can not be verified as consumer-authorized should be deleted. 

Late Payment in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Please confirm the accuracy of the reported payment history for this account. If the late payment can not be fully verified, I request its correction or removal.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX  -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  XXXX  XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX  -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  XXXX  XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Dear Chexsystems I recently attempted to open a checking account at XXXX XXXX XXXX, and I was informed that your system shows a balance from another bank that is preventing my account from being opened for work. 

I want to make you aware that I have previously been a victim of identity theft and have active fraud alerts placed with all major credit bureaus. I have already had multiple fraudulent accounts removed from my record through proper channels. 

Given this history, I am requesting an immediate investigation into any account or record associated with my name, Social Security number, or identifying information that is preventing my account opening. I am formally disputing the accuracy and legitimacy of that record and asserting that it may be the result of identity fraud.

Please provide me with : The name of the bank, account number, and date opened for the record in question.

Copies of any supporting documentation used to verify that account.

Written confirmation once the account has been flagged for fraud or removed from your system.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate information and have fraudulent data promptly deleted after investigation.

Attached are copies of my government-issued ID and proof of address for verification. Please confirm receipt and begin your investigation within the required 30-day period.

Thank you for your attention to this matter. I look forward to your confirmation and a resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate or unverifiable information being reported by Equifax on my credit report. Some accounts are being reported as charged off or with late payments, and I believe the information is either inaccurate, outdated, or can not be verified. 

Charged-Off Accounts in Dispute ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I went to XXXX XXXX bank in XXXX nj on XXXX XXXX i use the atm machine i attempted to make a withdrawal but the screen said error with the card so I wiped the card off and repeated the transaction this time the screen said error on balance i got no receipt looked on my chime app it said transaction for XXXX this happened XX/XX/year> around XXXXXXXX XXXX I went inside to talk to someone in the bank the told me to contact my back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX STATE XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$6000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 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: LA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please review and correct this account. 

XXXX XXXX Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update the account status. 

XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$2400.00}. Please investigate and correct the entry. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$3800.00} is incorrect. Request a review and update of the account. 

XXXX XXXX XXXX  ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$0.00} is inaccurate. Please verify and update the account status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$4100.00} is inaccurate. Please investigate and update accordingly. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$1300.00} is incorrect. Request verification and correction of this account. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$740.00} is incorrect. Please verify and correct this account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$14000.00} is inaccurate. Please investigate and update the account. 

Inquiries : There are no specific inquiries listed for Equifax in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I tired to withdraw {$170.00} if the atm at XXXX XXXX XXXX XXXX, Mi XXXX. This incident happened XX/XX/year> @ XXXXXXXX XXXX. Upon trying to make the withdrawal the cash was not disposed. The store clerk checked the machine and said it was empty so it would not dispense the funds but it was taken from my account along with the ATM fees in total I am out of {$170.00}. I filed a dispute with Cash App and provided information the claim was denied. I filed a appeal with supporting documents from ATM XXXX XXXX where they explained the investigation was not properly conducted the company still refused to settle the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United Group Inc.
State: OR

Complaint narrative:
XXXX XXXX in XXXX XXXX lied to the finance Company ( United Financing ) saying I paid {$1000.00} for down payment just to con me into getting this car that was broke.i only paid {$500.00} down and once I seen the error I contacted the finance company the day after purchase and was told a lawyer from them would contact me back United Financing Took the car back on XXXX XXXX and put it on my credit report as a voluntary Repo instead of termination for Fraud on the dealership end I have everything documentedthe company is coming after me for the balance as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I don't agree with the account listed below which still appear on my credit report, even after your investigation, I would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91 -- 506, Title -- 506 Title -- VI, section 611, subsection A -- D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please, forward me an updated credit report after you have completed your investigation and correction. 
Your cooperation and prompt attention are greatly appreciated. 
Account Name : 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