vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate, incomplete, and unverifiable information appearing on my credit reports. Multiple furnishers are reporting accounts with substantial errors, including a repossession that never occurred, charge-offs with inconsistent or impossible dates, collections that can not be validated, and accounts verified without any supporting documentation. 

XXXX furnisher, XXXX XXXX, is reporting a completed repossession even though the vehicle was only taken briefly and was returned to me. There was no auction, no sale, and no termination of rights. Reporting this as a repossession violates FCRA accuracy requirements under 15 USC 1681e ( b ), reinvestigation requirements under 15 USC 1681i, and furnisher duties under 15 USC 1681s-2 ( a ). It also conflicts with UCC 9-609 and 9-610 because no lawful disposition of collateral ever occurred. 

Other furnishers, including XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several collection agencies, are reporting accounts with inaccurate dates, re-aging, incorrect payment histories, and unverifiable information. I disputed these items with the credit bureaus, but several furnishers verified the accounts electronically without reviewing original documents. This does not meet the standard of a reasonable investigation required under the FCRA or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

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
Consumer complaint received 2025-12-09 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: NJ

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 2025-12-09 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: IL

Complaint narrative:
XXXX is also names XXXX XXXX, was using XXXX XXXX XXXX and many other names. The laptop was approx {$150.00} never worked, I had a brain injury could not get out the house to return. Account was closed abruptly, long hold with customer service, transferred all over, and they misrepresented their benefits to reestablish credit. 

I paid the bill off. They have been sued for misrepresentation to the disadvantaged public. 
I need them to remove this from all credit bureaus ; I paid XXXX in full. see report number COMPLAINT ID XXXX. Why would XXXX  report a bill to the credit bureau for XXXX yrs with the way they handle peoples accounts? If they are trying to help people with their so called " XXXX XXXX '' program, what do they get out of continuing to negatively report for XXXX years. They already sold the account off and got paid too. We need to open another class action on their reporting after all of their behavior which caused the first-class action. I need this removed from all credit burueas please. The letter stating the bill was paid is attached in COMPLAINT ID XXXX. 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 2025-12-09 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: LA

Complaint narrative:
I am filing a second complaint because Experian failed to properly respond to my original CFPB complaint submitted on XX/XX/year> regarding two inaccurate collection accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. 

In the first complaint, I documented that Experian violated the FCRA by : Failing to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) Relying solely on automated e-OSCAR responses instead of performing a manual review Refusing to provide the legally required Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Refusing a supervisor-level reinvestigation Continuing to report information that is inconsistent, incomplete, or unverifiable Instead of addressing these issues, Experian responded to the CFPB with an incorrect and misleading classification stating that there may be potential fraud. This is completely inaccurate. These are accuracy disputes, not identity theft disputes. XXXX misclassification appears to be an attempt to avoid addressing the documented FCRA violations raised in the initial complaint. 

Additionally, Experian responded to the CFPB that it can not respond to this complaint. 
If Experian is unable to respond to the CFPB, then Experian is also unable to verify the accuracy of the information it is reporting.

Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted. 

Experian has now : Failed to respond to the substance of the complaint Failed to address the reinvestigation violations Failed to provide any verification or documentation Incorrectly labeled the dispute as fraud to avoid compliance Continued to report unverifiable information I am requesting CFPB intervention to require Experian to : XXXX. Delete XXXX XXXX XXXX and XXXX XXXX XXXX from my credit file, as Experian has demonstrated it can not verify them. 
XXXX. Correctly classify this as an accuracy dispute, not fraud. 
XXXX. Ensure Experian complies with FCRA reinvestigation and verification requirements. 

Experians failure to respond to the CFPB and its misclassification of the dispute are serious compliance failures and must be addressed by supervisory review.

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 2025-12-09 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: VA

Complaint narrative:
XXXX XXXX issued a XXXX credit card. {$2900.00} was charged using falsified and incorrect information implicating me as the perpetrator & sent to collections for non payment which was was reflected on my credit reports for all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit report. The following information outlines discrepancies Ive identified in my reports from Experian, Equifax, and TransUnion. I am requesting that the Consumer Financial Protection Bureau review these matters to ensure my credit information is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 



Personal / Previous Address Dispute : XXXX XXXX XXXX, XXXX, GA XXXX This address is outdated. Please remove it if it is not associated with any current accounts. 

Charged Off Account in Dispute : XXXX XXXXXXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$640.00} XXXX dispute the accuracy of this account. I request full verification of the account details and supporting documentation under the FCRA. If it can not be verified, it must be deleted. 

Inquiries in Dispute : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Please investigate and remove any inquiries that can not be validated as consumer-initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB Complaint Fraudulent XXXX XXXX Account and Regulatory Violations I am filing this complaint against XXXX XXXX for a fraudulent credit card account opened in my name without my knowledge or consent. I did not apply for or authorize this account, and I have not received any legitimate communication regarding it. 

Violations and Legal Codes : XXXX. FCRA ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act, I am entitled to block fraudulent information from my credit report. XXXX XXXX failure to do so violates 15 U.S.C. 1681c and 1681e, which mandate accurate reporting and the right to dispute inaccuracies. 
XXXX. FDCPA ( 15 U.S.C. 1692 ) : The Fair Debt Collection Practices Act prohibits debt collectors from attempting to collect on debts that are not owed. XXXX XXXX collection efforts on this fraudulent account violate 15 U.S.C. 1692e and 1692f. 
XXXX. TILA ( 15 U.S.C. 1601 et seq. ) : The Truth in Lending Act mandates that all credit must be properly authorized and disclosed. The unauthorized XXXX XXXX account violates 15 U.S.C. 1637 and 1641, as no proper consent or disclosure was provided. 

Impact and Context : This fraudulent account has significantly impacted my credit report, causing a decline in my credit score and resulting in undue financial and emotional stress. The presence of this fraudulent account on my credit report is a direct result of recent data breaches affecting millions of Americans, which have compromised personal information and led to widespread identity theft. 

Actions Taken : I have already contacted my banks, initiated formal fraud investigations, and reported the issue to the FTC. I am also in the process of filing a police report and will be submitting complaints to the BBB and the FBI to ensure comprehensive resolution. 

Request : I request that XXXX XXXX immediately close and remove the fraudulent account, cease all collection activities, and confirm that I am not liable for any charges. I am prepared to provide all necessary documentation, including the FTC report, police report, and evidence of the data breach. 

I seek the CFPBs intervention to ensure that XXXX XXXX complies with all consumer protection laws and resolves this matter promptly.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Quarterly tax deposits to IRS and Colorado were stolen from inside PO ( XX/XX/XXXX ), checks were counterfeited and deposited ( XX/XX/XXXX ) to unauthorized payees. Suspicious payees ( of the XXXX checks we write each year XXXX go for taxes, other to our HOA ), large amounts ( {$17000.00} to CO Dept of Revenue XXXX {$75000.00} to US Treasury ) suspicious dates XXXX XX/XX/XXXX tax check date just like every year ), different checks ( all prior and subsequent checks have a geometric design ), check memos indicating tax deposits ( XXXX XXXX XXXX and XXXX XXXX XXXX ), suspicious handwriting and other red flags ( largest check ever on this account, ) were all ignored. 

Went to bank within XXXX  days after discovery by Colorado XXXX XXXX XXXX discrepancy ( XX/XX/XXXX and XX/XX/XXXX ) spoke with local exec and fraud department by phone to file report ( then police, postal inspector ). Claim was denied by Wells Fargo without data from me ( XX/XX/XXXX ). Call and claim escalated to XXXX XXXX  ( XX/XX/XXXX ). Claim denied XX/XX/XXXX ). Additional data provided ( XX/XX/XXXX ) claim denied roughly XXXX hour later. Request for data associated with denial ( XX/XX/XXXX and XX/XX/XXXX ) with no response from XXXX XXXX XXXX XXXX. 

I get a text alert within hours for every credit card charge above {$100.00}, yet someone can present a suspicious looking check for {$75000.00} and Wells Fargo doesnt even check it out with me. There is something significantly wrong with our banking regulations that allows a giant, highly profitable operation to minimize its fiduciary duty and shift risk to the customers.

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 2025-12-09 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I first received an email from Tek Collect stating that I owe them the amount of XXXX with SmileDirectClub account which is a total scam since I dont receive service from the company. 
XXXX never sent me any proper validation of the debt. I tried to talk to them multiple times over the phone but they did not have any proof they had legal right to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Identity Theft Dispute Required Deletion & Method of Verification

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 2025-12-09 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: TX

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over XXXX  days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a debt recently reported by ONLINE Information Services Collections/XXXX XXXX XXXXo my credit report. 

On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX. I requested verification of the alleged debt before making any payment. XXXX stated that verification would be mailed within 30 days. 

She told me on XX/XX/XXXX the verification was mailed on XX/XX/XXXX, but as of XX/XX/XXXX, I have not received any verification in the mail. 

Despite this, the collection account was reported to my credit report on XX/XX/XXXX, before I received any verification or had an opportunity to review or dispute the information. This raises concerns of premature and inaccurate credit reporting. 

This may violate : FCRA 1681s2 ( b ) ( duty to investigate before furnishing information ) FDCPA validation rights, since no verification was provided before reporting or continuing collection activity.

I am requesting that the CFPB : 1. Investigate this matter 2. Require the collector to provide proof of what verification was mailed and the date it was actually sent 3. Require the credit bureaus to remove or correct the account until proper verification is provided The account should not have been reported while verification was pending and not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payment Accounts : XXXX Account No : XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX Account No : XXXX

Company response to consumer: Closed with non-monetary relief