vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment reported on my credit file. This entry is incorrect and inconsistent with my verified payment records, which confirm that all payments were made on time. Allowing this false entry to remain unjustly misrepresents my financial reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I am writing to formally express my deep dissatisfaction with my recent experience inquiring about a home loan with Wells Fargo. 

Initially, I was assisted by a representative named XXXX, who was helpful and seemed knowledgeable. During our first conversation, he promised that a rate lock would be secured the same day. He mentioned that he needed to speak with his team about finalizing some numbers and assured me he would follow up shortly. 

Unfortunately, that follow-up never came. Despite several phone calls and numerous transfers to different departments and representatives, many of whom were unprofessional. I was never able to reach XXXX again. Emails to him went unanswered, and I was later told he had gone on vacation without processing anything related to my loan inquiry. 

I also attempted to reach XXXX supervisor, hoping for some clarity and accountability. Unfortunately, I encountered the same result, only voicemail boxes. I left several voice messages for both XXXX and his supervisor, but never received a single response from either of them. 

Whats most frustrating is that when Wells Fargo needed something from me, I received calls and emails promptly. But when I needed assistance or follow-up, I was completely ignored. At one point, I was even laughed at on the phone while being transferred. Another call center representative dismissively told me she had already helped me three times and could do nothing further. 

On top of everything, I have wasted an enormous amount of time trying to get clear answers, proper communication, and basic customer service. Hours were spent on the phone, repeating the same information, with no progress or accountability. My time and effort were completely disregarded. 

I escalated the issue by filing a complaint with Wells Fargo corporate. I was told the matter would be investigated and I would receive an update last week, but once again, no follow-up occurred. 

This experience has been nothing short of disappointing and unacceptable, especially coming from a major financial institution. As someone who holds XXXX credit cards with Wells Fargo, I have already stopped using XXXX, and once I pay off the other, I intend to close both accounts. I no longer feel confident entrusting my financial matters to your institution. 

I expect a formal response and resolution to this complaint. More importantly, I hope Wells Fargo takes steps to improve the consistency, professionalism, and accountability of its mortgage and customer service teams.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Debt Collection Dispute Letter ( Citing FDCPA, 15 U.S.C. 1692c ) XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX, 2026 Re : Notice of Dispute and Request to Cease CommunicationAccount Number : XXXX Creditor : LVNV Funding LLC Creditor Address : XXXX XXXX XXXX XXXX SC XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. This letter serves as formal notice that I dispute the validity of this debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, I request the following : 1. Cease Communication : Under 15 U.S.C. 1692c ( c ), you are hereby directed to cease all communication with me regarding this alleged debt, except as specifically permitted by law ( such as to inform me of legal action being taken ).

2. Verification of Debt : As required under 15 U.S.C. 1692g, I demand that you provide written verification of the alleged debt, including : * The name of the original creditor * The amount of the alleged debt * Copies of any documents bearing my signature evidencing responsibility 3. Notice of Rights : Until such verification is provided, you must cease all collection activities, including reporting this debt to any credit reporting agencies. If you have already reported it, you must notify those agencies that the debt is disputed.

Please be advised that failure to comply with the above may constitute a violation of federal law. 



Sincerely, XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed 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 non-monetary relief
Consumer complaint received 2025-09-25 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
These accounts are not mine and should be deleted within 15 days in line with USC 1681g.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 XXXX 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 2025-09-25 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: IL

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.

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 XXXX 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 2025-09-25 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: MI

Complaint narrative:
I am writing to file a formal complaint against inaccurate and harmful information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items are false, misleading, and do not belong to me : XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address has never been associated with me. Reporting this incorrect address is damaging and creates confusion regarding my identity. 

XXXX XXXXXXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$3200.00} Status : Reported as Charge-Off I have no knowledge, contract, or financial relationship with XXXX XXXXXXXX XXXX regarding this account. This account is fraudulent, inaccurate, and must be removed immediately. 

These errors are causing severe harm to my creditworthiness, reputation, and financial stability. Under the FCRA, credit reporting agencies and furnishers are required to ensure maximum possible accuracy of all information reported. Continuing to report false information is a direct violation of my consumer rights. 

I demand the following : Immediate deletion of the wrong address from my credit file. 

Complete removal of the XXXX XXXXXXXX XXXX charge-off account from all credit bureaus. 

Written confirmation of corrective actions taken. 

If this matter is not resolved promptly, I am prepared to pursue further remedies, including escalation, regulatory enforcement, and legal action for damages caused by negligent 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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was scammed by XXXX cruises for my birthday cruise XX/XX/year>. Once the cruise line confirmed it was a scam we called USAA immediately to report it. They took {$400.00} from our account and we had that debit card turned off. USAA took the complaint and then gave us our money back. 45 days later out of nowhere USAA took back the {$400.00} and made our account go into overdraft. We called immediately and they said someone would reach back out to us to fix it. I have not heard anything and my husband and I are both two disabled veterans with a child. This has caused a hugged burden and USAA is doing nothing to help us. I have been backing with them for over 18 years and this has caused medical issues for me as well.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this letter to dispute fraudulent accounts that have been improperly reported under my credit history. These accounts are not mine, were never authorized by me, and should not appear on my report under any circumstances. Their presence is both harmful and unjust, as it paints an entirely false picture of my financial standing. These inaccurate accounts have created obstacles to my financial stability and placed me at a disadvantage in areas where an accurate credit report is essential. The responsibility lies with your office to ensure that my report reflects only true and correct information. Allowing these fraudulent accounts to remain would further perpetuate damage to my reputation and financial opportunities.

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 2025-09-25 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: MS

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXXXXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, MS XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: IL

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.

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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am disputing incorrect information that is being reported on my credit file and tenant screening report. This inaccurate information is negatively impacting my ability to obtain housing and credit. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into these inaccuracies. Please correct or remove the erroneous information and provide me with written confirmation of the results once the investigation is complete.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MN

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with XXXX XXXX, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with non-monetary relief