vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: MI

Complaint narrative:
TransUnion unlawfully reinserted an account on my credit report that had previously been deleted on XX/XX/year>, without providing the required XXXX  day written notice of reinsertion. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that consumers must receive written notice within 5 days prior to reinsertion of a previously deleted account. I have not recived such written letter or have been notified regarding this reinsertion. This improper reinsertion has negatively impacted my credit report and creditworthiness, and I request that TransUnion block and remove the account and provide documentation of compliance with all FCRA requirements.

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I got a email notification saying I applied for a wells Fargo choice credit card. I was alarmed because I never applied for a card. I contacted Wells Fargo and they assured me they would take care of it and that I should lock my credit accounts and I did. A week later today I recieved a credit card in the mail that says XXXX XXXX XXXX with wells Fargo at the top. I tried contacting wells Fargo fraud department for over a hour and a half with being put into a loop where I was hung up on 3 times and put on hold for over XXXX minutes. I can't get any help from them

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 2025-12-16 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: AL

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

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oaks capital first reached out to me via email on XX/XX/year>. In the initial email they did not mention I could dispute this collection. They have also been reporting to my credit bureau since XXXXXXXX XXXX XXXX as a collection account but didn't notify me until XXXX of the same year. It is also reporting incorrectly, my credit report is showing the same collection multiple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Formal Dispute and Request for Deletion XXXX XXXX XXXX XXXX XXXX ( XXXX ) Dear XXXX XXXX XXXX, I am writing to formally dispute the collection account you are reporting in the amount of {$230.00}, allegedly owed to XXXX XXXX ( XXXX ). 

This debt does not belong to me and is inaccurate, for the following reasons : XXXX. Upon the termination of my lease with XXXX XXXX ( XXXX ), I received a final account statement showing a {$0.00} balance, confirming that no amount was owed. 
XXXX. The property failed to return my security deposit and did not provide any written explanation or itemized list of deductions, as required by law. 
XXXX. I was never notified of any outstanding balance prior to this account being sent to collections. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers of information and collection agencies are required to report only accurate, complete, and verifiable information. Reporting a debt that did not exist constitutes a violation of this law. 

Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to dispute this debt and request full validation. Until such validation is provided, all collection activity and credit reporting must cease. 

Furthermore, under applicable security deposit laws, a landlord is required to either return the deposit or provide a written itemized statement of deductions within the legal time frame. The failure to do so further confirms that there is no legal basis for this alleged debt. 

Based on the above, I formally request : Immediate deletion of this collection account from all credit reporting agencies ( Experian, Equifax, and TransUnion ). 
Full documentary evidence demonstrating : A valid balance remaining after application of the security deposit A lawful, itemized breakdown of charges Proof of proper notice prior to placement in collections Proof that XXXX XXXX has legal authority to collect this alleged debt If you are unable to provide the requested validation, you are required to remove this account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and notice that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Transactions amount : XX/XX/year> for {$100.00} XX/XX/year> for {$40.00} XX/XX/year> for {$110.00} Spoke to a rep at Chase Bank over the phone and then a supervisor they filled to aid me in to filing a dispute and put it under the wrong category, which I believe closed my dispute right away. I have spoken to them what I should do about what best course of action with filing a fraud charge for a goods that I have not received, which were paid for. They were very unprofessional and did not aid me to the correct people to help resolve my issues instead giving me the run around. I have also already uploaed all evidence such as screenshots, conversations, transaction dates and a letter explaining clearly on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: MA

Complaint narrative:
By correspondence dated XX/XX/XXXX, I was notified by Meridian Financial Services ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( hereafter " MFS '' ) that they were attempting to collect a debt. The notice was sent to my residence at XXXX XXXX XXXX XXXX  MA XXXX ( hereafter 'my residence '' ), where I have continuously lived since on or about XXXX, XXXX. At no time prior to XX/XX/XXXX, have I ever received any correspondence from MFS at my residence. The notification stunned me ; and before I was able to piece the puzzle together, on or about XX/XX/XXXX, MFS filed a negative collection report with the credit agencies. For as long as I can remember my credit scores have been approximately XXXX. The MFS negative collection report caused my credit score to decrease XXXX points, to XXXX. Essentially, the responsibility for the debt belonged to my daughter, however, I remained as an obligor, but knew nothing about the debt. Once the difficulty was identified and verified by me, the entire debt was paid immediately ; and, on XX/XX/XXXX, MFS reported to the credit bureaus that the collection account was paid. Once paid, I, as did my daughter, called MFS to confirm the payment and to explain the circumstances giving rise to the debt. At that time I explained to MFS that prior to their notice of XX/XX/XXXX, I had never received any communication at my residence, despite having continuously lived here since XXXX, that my credit rating had always been approximately XXXX, that the negative report lowered it to XXXX, and that result was unfair and inequitable. I requested that they remove the negative report from my files. They said they could not, or would not, as to do so would detrimentally affect their status as a collection agency. What about their decision to ruin my credit by making an unsubstantiated, unilateral negative report to the credit agencies, without allowing me adequate time to dispute the charge? 
In support of the contentions made above, I submit the following facts : 1. I have lived at my residence continuously for the past 3 years ; 2. I never received any correspondence from MFS at my residence before XX/XX/XXXX ; XXXX. Nine days later, on XX/XX/XXXX, MFS reported me to the credit agencies ; 4. The MFS notification advised that the debt could be disputed until XX/XX/XXXX ; 5. MFS reported me to the credit agencies 31 days prior to the dispute deadline ; 6. The MFS negative report was arbitrary and capricious ; and 7. The MFS negative report was negligent because it was made more that 30 days prior to the dispute deadline date. 
In the interests of equity and fair dealing the negative report should be permanently removed from my credit files at all 3 credit agencies.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Unknown individuals attempted to open bank accounts in my name using my personal information with XXXX XXXX XXXX  and XXXX XXXX XXXX  without my knowledge or authorization.

These were fraudulent account applications and constitute identity theft. I did not apply for, authorize, or benefit from any of these attempted accounts.

Early Warning Services , LLC recorded and/or retained this fraudulent application activity in my consumer file. As a result, I have experienced denial of banking services and financial harm.

I disputed this information and requested that Early Warning Services block and delete all identity theftrelated information. However, Early Warning Services failed to properly investigate and failed to block or remove the fraudulent information as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
BANKRUPTCY CASE NO : XXXX Failure to Reinvestigate & Continued Reporting of Known Inaccuracies I am filing this complaint against the consumer reporting agencies for continued reporting and verification of inaccurate credit information despite repeated disputes and clear notice.

The account at issue ( XXXXXXXX XXXX XXXX XXXXXXXX. ) was included in and discharged through XXXX XXXX XXXX. Despite this, the credit reporting agencies have continued to report and/or verify pre-discharge information that is inaccurate and misleading.

For nearly one year, I have submitted multiple disputes requesting correction. Instead of ensuring accuracy, the agencies have re-verified information that has been changed more than four ( 4 ) times by the furnisher, each time continuing to reflect inaccurate balances, statuses, or payment history that can not legally be reported after bankruptcy discharge.

Re-verifying information that repeatedly changes does not satisfy the requirement of a reasonable reinvestigation. The agencies have failed to independently evaluate accuracy and have continued to publish information that falsely implies a legally enforceable obligation.

As a direct result of this ongoing inaccurate reporting and failure to reinvestigate, my credit score has declined by approximately sixty ( 60 ) points, causing measurable financial harm, loss of credit opportunities, and increased cost of credit.

The credit reporting agencies were placed on notice through : Multiple consumer disputes Furnisher inconsistencies ( 4+ reporting changes ) Bankruptcy discharge documentation Despite this notice, the agencies continued to publish and verify inaccurate information, demonstrating a failure to maintain reasonable procedures to assure maximum possible accuracy.

-- - REQUESTED RESOLUTION I am requesting that the credit reporting agencies : 1. Immediately delete the XXXX XXXX XXXX  account from my credit reports 2. Cease verification of information that has repeatedly changed and is demonstrably inaccurate 3. Conduct a proper reinvestigation consistent with the Fair Credit Reporting Act 4. Provide written confirmation of correction or deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Upon reviewing my credit report, I identified an account that is being reported inaccurately. The report reflects two late payments ; however, the account was paid in full and on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure the accuracy of the information they report. Despite this requirement, this account does not accurately reflect my payment history.

I have enclosed a copy of my credit report with the relevant dates noted XXXX, XXXX and XX/XX/year>. I respectfully request that you conduct a thorough investigation of this matter and promptly update the account to reflect that the payments were made on time. Thank you for your prompt attention to this matter.

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 2025-12-16 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission.

I am a litigious consumer Meaning unreasonably prone to go law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

These items should be deleted immediately while in litigation per FCRA guidelines. If you fail to comply with the Federal law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.

1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS

Company response to consumer: Closed with explanation