vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: SC

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.I told the Experian, Transunion, and Equifax to reinvestigate this accounts : XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

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 2025-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second formal dispute regarding inaccurate information being reported by all three major credit bureaus concerning a XXXX XXXX XXXXXXXX account ( # XXXX ). Each bureau previously claimed the account was verified during my initial dispute. However, the furnisher, XXXX XXXX XXXX, responded with a letter dated XX/XX/year>, that failed to provide legally required debt validation. 

Evidence of Noncompliance XXXX XXXX XXXXXXXX failed to provide : - A copy of the original signed agreement - A full payment history - Documentation of legal authority to report the debt Despite this, the credit bureaus continued reporting the account with multiple unresolved discrepancies : - Different dates opened across bureaus - Conflicting high balances - Contradictory account statuses ( e.g., Paid vs. Derogatory ) - Charge-off reported with {$0.00} balance - Inconsistent dates of last activity - Misleading and conflicting remarks/comments Legal Violations Fair Credit Reporting Act ( FCRA ) : - 607 ( b ) : Failure to ensure maximum possible accuracy - 611 : Failure to properly investigate disputed information Fair Debt Collection Practices Act ( FDCPA ) : - Continued reporting and collection without proper validation of debt Requested Resolution I am requesting that the credit bureaus immediately DELETE the XXXX XXXX XXXXXXXX account from all of my credit reports. They should not continue to report unverifiable and inaccurate information. I also request written confirmation that the account has been removed. If they can not provide legally valid documentation, they are required by law to delete the account 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 explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This is my second formal dispute regarding inaccurate information being reported by all three major credit bureaus concerning a XXXX XXXX XXXXXXXX account ( # XXXX ). Each bureau previously claimed the account was verified during my initial dispute. However, the furnisher, XXXX XXXX XXXX, responded with a letter dated XX/XX/year>, that failed to provide legally required debt validation. 

Evidence of Noncompliance XXXX XXXX XXXXXXXX failed to provide : - A copy of the original signed agreement - A full payment history - Documentation of legal authority to report the debt Despite this, the credit bureaus continued reporting the account with multiple unresolved discrepancies : - Different dates opened across bureaus - Conflicting high balances - Contradictory account statuses ( e.g., Paid vs. Derogatory ) - Charge-off reported with {$0.00} balance - Inconsistent dates of last activity - Misleading and conflicting remarks/comments Legal Violations Fair Credit Reporting Act ( FCRA ) : - 607 ( b ) : Failure to ensure maximum possible accuracy - 611 : Failure to properly investigate disputed information Fair Debt Collection Practices Act ( FDCPA ) : - Continued reporting and collection without proper validation of debt Requested Resolution I am requesting that the credit bureaus immediately DELETE the XXXX XXXX XXXXXXXX account from all of my credit reports. They should not continue to report unverifiable and inaccurate information. I also request written confirmation that the account has been removed. If they can not provide legally valid documentation, they are required by law to delete the account under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I am writing to dispute a late payment showing on my credit file. I have verified through my own records that this payment was made on time and should not have been reported as delinquent.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have reached out to Portfolio Recovery Associates in regards to the alleged debt. Under the FDCPA ( Fair Bet Collections Practices ACT ) a debt collector must provide you with specific information when you request debt validation.Including amount of the debt, the name of the creditor to whom the debt is owe, a stamens that you have 30 days to dispute the debt and request verification, and a notice that if you do not dispute the debt within 30 days, the debt will be assumed valid. I have requested the validation with in the 30-day period and the collector has not provided documentation to verify the alleged debt. I have not even heard a response. I have my certified mail receipt from the last letter I sent. I will provide proof below. One certified receipt a second attempt to receive the debt validation and the other is to cease and desist my debt, again no response to any other two latters or my first attempt which one mailed on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 was recently apply for a house in notice that this was reporting on my account

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 2025-07-15 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:
Several credit card accounts were fraudulently opened in my name without my permission as a result of identity theft. These accounts were later closed but continue to appear on my credit report, affecting my credit score. I did not apply for, authorize, or use these accounts. 

The fraudulent accounts include : XXXX : Closed on XX/XX/XXXX XXXX : Closed on XX/XX/XXXXXXXX XXXX  : Closed on XX/XX/XXXX XXXX  : Closed on XXXX XXXX, XXXX XXXX  XXXX : Closed on XX/XX/XXXX On XX/XX/XXXX, I filed an identity theft report with the FTC. I am requesting that these accounts be deleted from my credit file, as they are the result of fraud and not my responsibility.

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 2025-07-15 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:
Several credit card accounts were fraudulently opened in my name without my permission as a result of identity theft. These accounts were later closed but continue to appear on my credit report, affecting my credit score. I did not apply for, authorize, or use these accounts. 

The fraudulent accounts include : XXXX : Closed on XX/XX/XXXX XXXX : Closed on XX/XX/XXXXXXXX XXXX  : Closed on XX/XX/XXXX XXXX  : Closed on XXXX XXXX, XXXX XXXX  XXXX : Closed on XX/XX/XXXX On XX/XX/XXXX, I filed an identity theft report with the FTC. I am requesting that these accounts be deleted from my credit file, as they are the result of fraud and not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am sending to formally dispute unauthorized and unverified hard inquiries that appear on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Upon reviewing my credit reports, I have identified several inaccuracies. The following personal information is incorrect. XXXX XXXX is being reported on all three of my consumer reports. The correct spelling is XXXX XXXX XXXX XXXX. Several inaccurate addresses and XXXX XXXX. XXXX XXXX XXXX XXXX Tx. XXXX. XXXX XXXX XXXX XXXX TX. XXXX. INACURATE ACCOUNTS ; XXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Banked with Wells Fargo for decades, now experienced fraud 3x in 12 months. 
Money orders are not able to be deposited by mobile device, they have to be deposited by mail. My company mails about one deposit of money orders a week. 

The first incident, XX/XX/XXXX : Wells Fargo/employee, at center that handles bank-by-mail deposits, recorded a mailed deposit as a debit, labeling the amount of the deposit, {$2200.00}, as a " check '' with no number or image or other designation. I called Wells Fargo and they credited our account ONCE. I called again, explaining to a fully-knowledgeable representative, that they must now credit our account with the DEPOSIT, not just zero it out. They did, but couldn't/would n't provide the images of the money orders. 

XX/XX/XXXX was the second incident, {$1900.00} was debited as a " check. '' This time, they correctly credited our account with the 2 x {$1900.00} to " resolve, '' and even provided the document images, PLUS an image of someone else 's check by mistake. 

XX/XX/XXXX was the most recent, {$2800.00}, and I explained to the representative that this is not an error, but a deliberate attempt to redirect a deposit for the purpose of earning interest until the customer discovers the " mistake, '' much like the XXXX scandal where a group of Wells Fargo employees opened accounts " for '' customers who had several accounts that might allow for something like this to escape notice. This time, there was no 2-week " investigation '' window, Wells Fargo credited our account immediately. 

My company is small - I hand-write our payments- so we might appear outdated or inefficient to a bank teller. Please look for such red flags to determine if this is another wide-spread scandal. The bank-by-mail postpaid envelopes have only one address : Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX I requested the name of employee ( XXXX ) who routinely handle these mailed deposits because this isn't an error - it's not regular, not monthly, not computer error, not to get a name, but to make the representative on the phone understand that this is going farther than they want - someone or a group is deliberately stealing, even if temporarily, money from customers, if not the bank itself, but while representing Wells Fargo , displayed on my account activity page : XX/XX/XXXX Deposit - REF # XXXX {$2800.00} Begin region Details Category : Other Deposits End of region XX/XX/XXXX Transaction correction - Reverse transaction of {$2800.00} posted to account in error on XX/XX/XXXX - REF # XXXX {$2800.00} Begin region Details Category : Other Deposits End of region XX/XX/XXXXXXXX XXXX {$2800.00}

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request to Spring Oaks Capital regarding an account they reported to the credit bureaus, allegedly acquired from XXXX XXXX. I requested proper validation under the Fair Debt Collection Practices Act ( FDCPA ), including a full itemized accounting, proof of assignment, and a signed contract establishing responsibility for the alleged debt. 

Spring Oaks Capital responded only with a generic contract from XXXX XXXX and failed to provide any documentation bearing my signature or proving they are the rightful owner of the debt. Since that time, I have received no further correspondence or documentation from them, yet they continue to report the account to XXXX XXXX XXXX 

As of XX/XX/year>, they updated the reporting despite the outstanding validation request and failure to provide proper evidence of the debt. This is a violation of the FDCPA and my consumer rights under the Fair Credit Reporting Act ( FCRA ), as the account is unverified and not fully substantiated. 

I am requesting that Spring Oaks Capital cease all credit reporting of this account and remove it from all consumer reports due to failure to validate the debt as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Starting on XX/XX/XXXX, I asked XXXX XXXX to provide proof of two late payments reported on my credit reports with XXXX, Equifax, and XXXX. They have reported late payments in XXXX and XXXX of XXXX. 

In my letter, I explicitly requested documentation of both the account ( copy of card agreement ) and the payment history ( statement copies to substantiate late payments reported ). 

In addition to this letter, I filed multiple disputes directly through Equifax, XXXX XXXX XXXX ( see attached Equifax disputes ). When the credit reporting agencies worked with the furnisher, they repeatedly responding that the payment history was " accurate '', despite the fact that I explicitly asked for documentation. 

I have never received any documentation whatsoever that proves these payments were late. XXXX XXXX has not provided any proof at all of this payment history. 

I called customer service at XXXX XXXX on XX/XX/XXXX. I directly asked for account statements. The phone rep seemed confused about my request. He told me that XXXX could not influence what the credit reporting agencies publish about the account. It was very concerning that the rep could not figure out how to send me statements from late XXXX ( so I can see the history immediately preceding the alleged late payments ). It was also disheartening to have a company representative have such an inaccurate understanding of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Starting on XX/XX/XXXX, I asked XXXX XXXX to provide proof of two late payments reported on my credit reports with Experian, XXXX XXXX XXXX They have reported late payments in XXXX and XXXX of XXXX. 

In my letter, I explicitly requested documentation of both the account ( copy of card agreement ) and the payment history ( statement copies to substantiate late payments reported ). 

In addition to this letter, I filed multiple disputes directly through XXXX Experian, and XXXX ( see attached XXXX  disputes ). When the credit reporting agencies worked with the furnisher, they repeatedly responding that the payment history was " accurate '', despite the fact that I explicitly asked for documentation. 

I have never received any documentation whatsoever that proves these payments were late. XXXX XXXX has not provided any proof at all of this payment history. 

I called customer service at XXXX XXXX on XX/XX/XXXX. I directly asked for account statements. The phone rep seemed confused about my request. He told me that XXXX could not influence what the credit reporting agencies publish about the account. It was very concerning that the rep could not figure out how to send me statements from late XXXX ( so I can see the history immediately preceding the alleged late payments ). It was also disheartening to have a company representative have such an inaccurate understanding of credit 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
In regards to Complaint # XXXX I received the company 's response and it had nothing to do with the complaint. They completely ignored the issue of them refusing to follow their own policies and delete a fraudulent transaction on my account. All they did was tell me they saw I got back into my account. Yeah no thanks to them. I need this transaction taken care of IMMEDIATELY. I also need in writing why they are ignoring my appeal and my requests for info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obilagation under the fair Credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed informationof disputed information on my credit report, leaving inaccurate or unverifiable accounts reslved.The Consumer Fininiacical Protection Buruea has recently filed a lawsuit againt Experian.

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