vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent message regarding the account you claim I owe. You provided a statement from the original creditor ; however, this does not validate your right to collect the alleged debt. 

Under the Fair Debt Collection Practices Act, I request the following : Documentation showing that your agency has been assigned or purchased this debt and is legally authorized to collect on it. 

A complete copy of any agreement bearing my signature that shows I am legally obligated for this debt. 

An itemized account history, including all charges, payments, fees, and interest, from the original creditor through the present. 

Until you provide this documentation, you must cease all collection efforts and stop reporting this item to the credit bureaus. If the account is already being reported, you are required to remove it until the debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi folks! Its me again. 

In spring of XXXXXXXX  I saw an unauthorized charge on my Wells Fargo credit card. I believe it was an XXXX purchase for hundreds of dollars. I called Wells Fargo, and they removed it from my bill. In either XXXX or XXXX of that year, I saw that the charge reappeared, along with a couple late fees and a 60 day late on my credit report. 

I called Wells Fargo, and they immediately credited my account, but it took many hours on the phone for them to fix the erroneous credit report. 

Five years later, I see that youre back to reporting my report as 60 days late in XXXX Not only is this false, but its very petty. Its shameful that I have to get back on this website and request that you report correct information to the credit agencies. I would like to buy a house someday, and I would like my credit report to contain only truthful information. 

Please look into this.

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 2025-10-03 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the inaccurate, inconsistent, and unlawful reporting of multiple accounts included in my XXXX XXXX  Bankruptcy. Despite my prior dispute, you have failed to correct or delete these tradelines, which demonstrates willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Under FCRA 15 U.S.C. 1681i, you are legally required to conduct a proper and reasonable reinvestigation of disputed information. Under 1681e ( b ), you must ensure that all data reported is maintained with maximum possible accuracy. By continuing to report derogatory, misleading, and unverifiable information on accounts that were legally discharged in bankruptcy, you are in direct violation of federal law. 

Pursuant to Metro 2 reporting guidelines, accounts discharged in bankruptcy must not reflect balances, past due amounts, or charge-off remarks, nor may they be coded as Negative or Derogatory when no factual delinquency or obligation remains. Each account listed in this dispute reflects contradictory, unverifiable, and inconsistent data across the three major credit bureaus, including : Discrepancies in account type classification ( e.g., Unknown vs. Revolving/Credit Card vs. Installment ) Contradictory comments regarding bankruptcy status ( e.g., Included in Bankruptcy, Discharged, Closed by Credit Grantor ) False derogatory coding despite XXXX balances, no past due amounts, and no delinquency history Furthermore, each tradelines derogatory status constitutes duplicative and unlawful double reporting, as the bankruptcy itself is already reported separately as a public record. This redundancy is misleading, deceptive, and harmful, violating 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681n. 

Because I am a XXXX XXXX XXXX XXXX impacted consumer, your duty of heightened accuracy, verification, and consumer protection has been recklessly disregarded. Your mishandling of my information, coupled with your failure to reasonably reinvestigate, has caused substantial harm, including denial of credit, emotional distress, and reputational damage due to the publication of false and misleading credit data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the inaccurate, inconsistent, and unlawful reporting of multiple accounts included in my XXXX XXXX  Bankruptcy. Despite my prior dispute, you have failed to correct or delete these tradelines, which demonstrates willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Under FCRA 15 U.S.C. 1681i, you are legally required to conduct a proper and reasonable reinvestigation of disputed information. Under 1681e ( b ), you must ensure that all data reported is maintained with maximum possible accuracy. By continuing to report derogatory, misleading, and unverifiable information on accounts that were legally discharged in bankruptcy, you are in direct violation of federal law. 

Pursuant to Metro 2 reporting guidelines, accounts discharged in bankruptcy must not reflect balances, past due amounts, or charge-off remarks, nor may they be coded as Negative or Derogatory when no factual delinquency or obligation remains. Each account listed in this dispute reflects contradictory, unverifiable, and inconsistent data across the three major credit bureaus, including : Discrepancies in account type classification ( e.g., Unknown vs. Revolving/Credit Card vs. Installment ) Contradictory comments regarding bankruptcy status ( e.g., Included in Bankruptcy, Discharged, Closed by Credit Grantor ) False derogatory coding despite XXXX balances, no past due amounts, and no delinquency history Furthermore, each tradelines derogatory status constitutes duplicative and unlawful double reporting, as the bankruptcy itself is already reported separately as a public record. This redundancy is misleading, deceptive, and harmful, violating 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681n. 

Because I am a XXXX XXXX XXXX XXXX impacted consumer, your duty of heightened accuracy, verification, and consumer protection has been recklessly disregarded. Your mishandling of my information, coupled with your failure to reasonably reinvestigate, has caused substantial harm, including denial of credit, emotional distress, and reputational damage due to the publication of false and misleading credit data.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: DISCOVER BANK
State: NY

Complaint narrative:
Upon my lawful request for debt verification under the Fair Credit Reporting Act ( FCRA ), Discover failed to provide any valid, legally binding evidence that I entered into a contractual obligation with them. Specifically, Discover admitted that no wet signature exists on any document allegedly binding me to the debt. 
While the absence of a wet signature does not automatically nullify a debt, Discovers failure to provide any credible form of agreement, usage, or billing statements, in addition to their own admission, constitutes a failure to verify under 15 U.S. Code 1681s2. FCRA Violations and Fraudulent Reporting Despite lacking verifiable evidence of a valid debt, Discover continued to furnish this account to credit reporting agencies. This action constitutes knowingly reporting inaccurate informatio
n, which is a direct violation of the FCRA, particularly under : 15 U.S. Code 1681s2 ( b ) Duties of furnishers of information upon notice of dispute 15 U.S. Code 1681e ( b ) Ensuring maximum possible accuracy Such behavior is not only deceptive but could also constitute willful noncompliance, which opens the door to statutory and punitive damages under FCRA 1681n.

Arbitration Terms & Filing Fee Discovers own arbitration agreement
stipulates that they are responsible for all filing fees, which have been triggered by my lawful election of arbitration. An arbitration manager has been assigned, and I have complied fully with all procedural requirements to date. 
I have been informed that Discover is liable for arbitration fees totaling $ XXXX, and that the potential exposure in this case exceeds {>= $1,000,000}, based on statutory penalties, damages, and Discover 's continued willful violations. 

Furnishing delinquencies without XXXX violates the FCRA. Remove all delinquencies or XXXX  faces XXXX XXXXXXXX XXXX XXXX  certification sent to cease reporting especially while XXXX arbitration is in place reporting can not exist. It is to CFPB place to notify discover and XXXX XXXX XXXX XXXXXXXX arbitration handled by XXXX. She is the XXXX arbitrator that will be paid. Legal action will follow. Discover Card ; this account is not two years old, but XXXX  reports it still this is a FCRA guideline violation illegal re aging proof has been submitted. The Discover account is fraudulent reporting it is not two years. They re-aging it and they are not removing it according to FCRA guidelines. This account must be removed because it is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
Upon my lawful request for debt verification under the Fair Credit Reporting Act ( FCRA ), XXXX failed to provide any valid, legally binding evidence that I entered into a contractual obligation with them. Specifically, XXXX admitted that no wet signature exists on any document allegedly binding me to the debt. 
While the absence of a wet signature does not automatically nullify a debt, XXXX failure to provide any credible form of agreement, usage, or billing statements, in addition to their own admission, constitutes a failure to verify under 15 U.S. Code 1681s2.

FCRA Violations and Fraudulent Reporting Despite lacking verifiable evidence of a valid debt, XXXX continued to furnish this account to credit reporting agencies. This action constitutes knowingly reporting inaccurate information, which is a direct violation of the FCRA, particularly under : 15 U.S. Code 1681s2 ( b ) Duties of furnishers of information upon notice of dispute 15 U.S. Code 1681e ( b ) Ensuring maximum possible accuracy Such behavior is not only deceptive but could also constitute willful noncompliance, which opens the door to statutory and punitive damages under FCRA 1681n.

Arbitration Terms & Filing Fee XXXX own arbitration agreement stipulates that they are responsible for all filing fees, which have been triggered by my lawful election of arbitration. An arbitration manager has been assigned, and I have complied fully with all procedural requirements to date. 
I have been informed that XXXX is liable for arbitration fees totaling $ XXXX, and that the potential exposure in this case exceeds {>= $1,000,000}, based on statutory penalties, damages, and XXXX 's continued willful violations. 

Furnishing delinquencies without XXXX violates the FCRA. Remove all delinquencies or Transunion faces XXXX XXXX XXXX XXXX  certification sent to cease reporting especially while XXXX arbitration is in place reporting can not exist. It is to CFPB place to notify XXXX  and TransUnion for this XXXX arbitration handled by XXXX. She is the XXXX arbitrator that will be paid. Legal action will follow. XXXX XXXX ; this account is not two years old, but TransUnion reports it still this is a FCRA guideline violation illegal re aging proof has been submitted. The XXXX account is fraudulent reporting it is not two years. They re-aging it and they are not removing it according to FCRA guidelines. This account must be removed because it is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I was a holder of a crypto currency named XXXX and it went through what they are calling a rebase. This led to all holders receiving a considerable amount of additional coins. I never received these additional coins from crypto.com. I was sent emails on them delisting and they would sell my coins if I didnt. I then sold my coins on XX/XX/year>. The rebase occurred in early XXXX giving them more than XXXX month to credit my account with the coins owed to me but have not done so. After reaching out to crypto.com at the behest of other crypto holders they are unable to do anything. I believe they were issued coins and research has provided me information that some Crypto.com users did receive coins from this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a check as repayment for a loan. The check was deposited into my account. Once it was deposited the company reversed the payment. Leaving my account in overdraft and flagged for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MS

Complaint narrative:
American profit recovery out of michigan. Phone number XXXX. I was checking my credit report and saw that a collection had been added by this company. I contactrd them and requested them to provide proof this was my account such as a contract signed by me. I was then transfered to someone else who said they were stopping all collection activities against me till they got that information. I told them they should already have that information if they reported to the credit report. This was on the XXXX of XX/XX/year>. Then on the XXXX of XX/XX/year> the balance went up. I called them again and the lady said they were trying to get the information i requested but still didnt have it. I told her under federal law they can't continue collecting on this or reporting to my report until they validate this account. She basically said they werent. I told her about the balance increase. She said she would relay that to the appropriate department. Then she asked how i knew it went up i said because they were still reporting to my credit repirt. She said she would relay that also. Its now the XXXX of XX/XX/year> and they still havent supplied anything proving this account belongs to me or any paperwork showing anything about this account and they are still reporting to my credit reports. They haven't supplied any validation and haven't stopped trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We had identify theft on XX/XX/year>. Someone stole our identity which includes SSN, Name, DOB, etc to open 4 store credit cards- Best Buy, XXXX, XXXX XXXX XXXX, XXXX  master card. They used the temporary card to do shopping. We got to know when we received credit cards at our home that we didn't even apply for. When we checked out credit reports there were multiple hard pulls on the report that led to other credit cards discovery.

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 2025-10-03 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: NC

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 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