vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple charged-off, duplicate, and possibly unverifiable accounts that are negatively impacting my credit. 

The accounts in question are as follows : XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$0.00} XXXX  Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$0.00} ( duplicate ) XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$0.00} XXXX Acct : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} ( duplicate ) XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$0.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX {$0.00} XXXX XXXX ) XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$230.00} XXXX XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$410.00} XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX {$1000.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$26000.00} XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX {$8700.00} XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1700.00} I am also disputing the following inquiries as unrecognized : XXXX XXXX XXXX XX/XX/XXXX ( listed twice ) Additionally, these accounts show late payments that I believe are either inaccurate or not verified properly : XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that Experian reinvestigate these items, validate each with proper documentation, and remove any unverifiable or duplicated data under FCRA 611.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a derogatory tradeline for {$670.00} was reported to the credit bureaus by XXXX XXXXXXXX, a third-party collection agency based in XXXX XXXX XXXX Texas. The original account was reportedly opened on XX/XX/XXXX. I have not received any written validation of this debt, nor was I notified prior to this reporting, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ) and Fair Credit Reporting Act ( FCRA 623 ).

I was not given the opportunity to validate or dispute the debt before it was reported, and I have yet to receive any itemized breakdown, original creditor name, or supporting documents. Under industry reporting standards, medical and certain consumer debts require a 365-day grace period before they can be reported, and this timeline is unclear in this case. Regardless, continued credit reporting without validation violates my consumer rights.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: NC

Complaint narrative:
The accounts listed below are being disputed due to inaccuracies in reporting, incomplete information, and other discrepancies that violate the Fair Credit Reporting Act ( FCRA ). I respectfully request that each account be investigated and corrected as per the FCRA regulations. Please provide written confirmation of the outcome and actions taken. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Dispute Reason : Incorrect reporting of the charge-off date and amount. 

Requested Resolution : Please update the account to reflect the correct information or remove the account from the report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} Dispute Reason : Account information is inaccurate, and the charge-off status needs review. 

Requested Resolution : Update the account to reflect accurate details or remove it from the report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8700.00} Dispute Reason : Incorrectly reported as charged off. 

Requested Resolution : Remove this account or update it to reflect accurate status. 

Late Payments : XXXX  XXXX Account Number : XXXX Dispute Reason : Incorrect late payment records that do not reflect accurate payment history. 

Requested Resolution : Correct the late payments or remove them entirely if inaccurate. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Multiple incorrect late payment entries. 

Requested Resolution : Remove or update late payment entries as per actual history. 

XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, and others. 

Dispute Reason : Multiple inaccurate late payment entries for the same account. 

Requested Resolution : Please update the account to reflect accurate payment history or remove the false entries.

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: IL

Complaint narrative:
I am writing to formally request the investigation and correction of the following accounts on my credit report. I believe that these items are inaccurately reported and require immediate attention in accordance with the Fair Credit Reporting Act ( FCRA ). Please review the following discrepancies with each respective credit bureau : Charged Off Accounts : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$140.00} XXXX, XXXX, XX/XX/XXXX, {$28000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$17000.00} Inquiries : XXXX XXXX, XX/XX/XXXX Late Payments : 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo Bank N.A. for the improper denial of my Regulation E dispute concerning deceptive Tango.me transactions on my checking account ending XXXX. Wells Fargos XXXX XXXX XXXX XXXX ( XXXX  ) continues to misclassify my dispute as an unauthorized/fraud case, even though the issue clearly involves a deceptive merchant error under Regulation E 1005.11 ( a ) ( 1 ) ( ii ) goods/services not as described or obtained through misleading in-app purchase flows. 

I provided detailed documentation showing that : Other banks XXXX XXXX  XXXX XXXX ) reviewed identical Tango.me transactions and issued full refunds for the same deceptive merchant pattern. 
Wells Fargo reused its XXXX denial instead of conducting a new, reasonable investigation as required by 1005.11 ( b ) ( d ). 
No evidence of merchant-level review, chargeback network correspondence, or internal analysis was ever shared with me. 

On XX/XX/XXXX, Wells Fargo ( XXXX XXXX XXXX ) reconfirmed by email that the bank found no indicators of fraud and closed the case. This response again applies the wrong standard and demonstrates a failure to conduct a good-faith investigation. 

Requested Relief : I request that the CFPB direct Wells Fargo Bank N.A. to reopen my claim under the correct Regulation E error classification, conduct a compliant investigation into merchant deception, and refund the affected Tango.me transactions in full. I also request written confirmation that the prior unauthorized use misclassification be corrected in my consumer record. 

Attached Evidence ( to be uploaded ) : XXXX. Wells Fargo denial letter dated XX/XX/XXXX and follow-up email ( XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX refund letter for identical merchant pattern XXXX. Timeline summary ( XXXX ) XXXX. Wells Fargo call notes ( 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit 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 2025-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I am not liable for this balance. The vehicle was not under my responsibility nor my possession. I demand for this to be removed off my credit report.

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 am disputing several items on my TransUnion credit report that appear inaccurate and unverifiable. I request a full reinvestigation under FCRA 1681i. 

XXXX Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX # XXXX XX/XX/XXXX {$3100.00} No proof of debt or proper validation has been provided by the furnishers. These should be removed if unverifiable. 

Late Payment Accounts The following are inaccurately reporting late payments : XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Please verify or delete these inaccurate entries. 

Thank you for ensuring that TransUnion complies with its obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name has never been XXXX, that needs to be removed. That is what the identity thieves used once. My name is XXXX XXXX and my account should be listed as such. Since the credit bureaus know so much, they should know that already since I got married in 2021. Will not send marriage license, that is public information which the credit bureaus seem to have access to. 

I also saw no employment history for me with Equifax. Why is that? 

Also, need to know why my score keeps going down. Said it is from a truck loan this summer, I do not believe that or my husbands would also be going down since his name is also on the loan.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: Possible Financial Inc
State: FL

Complaint narrative:
I am disputing the reporting of Possible Financial Inc because this entity appears to be a debt buyer masquerading as the original creditor. There is no documentation establishing them as the original creditor, no assignment chain proving a legal right to report, and no permissible purpose for accessing or reporting my credit information. These deficiencies violate 15 U.S.C. 1681b ( impermissible access ), 15 U.S.C. 1681e ( b ) ( reporting without proper verification ), and 15 U.S.C. 1681i ( failure to verify legal authority under XXXXXXXX XXXX XXXXXXXX  ). XXXX XXXX defects include missing debt buyer designation codes, absent original creditor identification, and improper account origination dating. Under federal precedent ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. ), credit reporting agencies must independently verify the legal authority of entities reporting accounts.

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 — Account status incorrect
Company: Brightfunders, LLC
State: CA

Complaint narrative:
Upon noticing a late payment on my credit score, tanking it by XXXX points, I called my mortgage company asking what happened because I have an autopay set up monthly and have never had a late payment for any credit product in my life. They told me theyd sold my loan and I had to set up a new autopay with that company. I NEVER received a notice that my loan was being transferred, not by mail, phone call, or email, and neither company notified me at any time of a need to change my autopay or that payments werent being received, not by mail, phone call, or email, all information that they have readily available. This is in violation of the requirement to notify me of changes to ownership of my mortgage. This company has now sold my mortgage twice, the first time I received notice so I know they know how to send me that information, the second time absolutely NO notice. Upon calling the company they agreed that they never sent notice, that they would fix my credit report, and that they should never have reported me delinquent in the first place. In addition they vowed to send notice in the future, and yet I didnt receive notice of successful payment, documentation of their credit report change submission, or information on who now owns my loan. I have submitted disputes to all three credit bureaus with no updates or changes to my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
I took out a personal loan on XX/XX/year>. The loan was for {$1500.00}. I discovered that the rate was 480.37 % on loan number XXXX. I reside in TX and the maximum rate is 12 % At the end of the loan, I would have paid {$5000.00}. This is not an installment loan. It is a payday loan. The comapny asks you when you get paid and then your payment due dates are set around that unless you request a different date. I am deeply concerned that I have been subjected to predatory lending practices. I am requesting that the CFPB investigates the actions of this lender as this payday loan should be void. I am also seeking relief from further collection activity related to this loan.

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