vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I received a text message from Wells Fargo asking to confirm I was attempting to make a purchase at XXXX. I replied no I was not. I called the credit card number phone number after pulling up my account. They stated someone attempted to use my card at XXXX and they reversed the charge three times. While on the phone I saw a second charge on my account for {$460.00} from " XXXX XXXX '' in XXXX, CT. 

I advised Wells Fargo I did not make that Charge. They then asked the required series of questions about having the card in my possession, Ect. I confirmed I had the card and have not shared my card or pin with anyone. They opened the claim for the fraudulent charge. 

I received a letter stating they were unable to honor my claim. They stated the card was in my possession, there were no further attempts after the card was closed, and it was chip verified. 

I had possession of the card so I don't know how they can claim the card was chip verified. After the first fraudulent attempt why didn't they freeze the card? This allowed the second purchase to be made .. Wells Fargo refused to explain what triggered the text to me about the first transaction as they obviously suspected it was fraud activity but did nothing tp prevent the second charge.

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 2025-11-18 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your 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 non-monetary relief
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items listed on my Experian credit report. Below are the details of the accounts in question : Charged Off : XXXX. XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$270.00}. 

XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00}. 

Inquiries : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX. 

XXXX XXXX XXXX - Date : XX/XX/XXXX. 

Late Payment : XXXX  - Account Number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my Experian credit report as of [ insert date ]. These items are either inaccurate, incomplete, or require further investigation. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to dispute the accuracy of the following information reported by the credit bureaus. The accounts in question do not accurately reflect the correct information. Below is a breakdown of the accounts I am disputing, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am submitting a formal dispute regarding several accounts and inquiries on my TransUnion credit report, which I believe are inaccurately reported. These discrepancies may violate the Fair Credit Reporting Act ( FCRA ), and I request that you thoroughly investigate these items and correct the report accordingly. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXXXXXX XXXX  SSN : -- XXXX Date : [ Todays Date ] XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Request for XXXX Filing Verification NCB Account XXXX XXXX To Whom It May Concern : I am writing to formally dispute and request verification regarding the reporting of the following account on my consumer credit report : Creditor : NCB Account XXXX : XXXX Date Opened : XX/XX/XXXX Current Status : Collection / Charge-off Reported Balance : {$3800.00} Under the Fair Credit Reporting Act ( FCRA ), all information furnished to TransUnion must be accurate XXXX complete, and verifiable. Because this account is reported as a charge-off, I am requesting that XXXX  provide the following : 1. Verification of a Filed IRS Form 1099-C Please provide documentation or confirmation indicating whether the furnisher ( NCB ) has issued or filed an IRS Form 1099-C Cancellation of Debt related to this alleged debt.

If a 1099-C has been filed, the debt is considered canceled, and the balance must not be reported as collectible. In that case, please update the account to reflect a {$0.00} balance and correct any negative reporting inconsistent with a canceled debt. 

2. Method of Verification If no 1099-C exists, please conduct a reinvestigation and provide the method of verification, including : The name and department of the individual you verified the account with Copies of any documents used to verify the accuracy and current status of this account If the information can not be verified under FCRA 611 ( a ) ( 5 ), please remove the account from my credit file. 

Thank you for your prompt attention to this matter. Please send all responses to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I received a text message from a XXXX  that included a scanned document containing my personal information. This document listed my full identifying details, home address, and the medical provider name. The collector did not send any prior written validation of the debt through postal mail, as required under 15 U.S.C. 1692g ( a ). 

I did not authorize this company to contact me by text message, and I did not consent to receiving sensitive documents through an unsecured electronic method. Sending my personal information by text message is unsafe, unprofessional, and violates the rules governing proper debt collection communication under the Fair Debt Collection Practices Act ( FDCPA ), including 1692c ( a ) regarding improper communication methods. 

I consider this to be an improper and unlawful attempt to communicate about a debt and an insecure handling of my personal information. I want the CFPB to review this companys communication practices and require them to follow all FDCPA requirements, including proper written validation and secure communication methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have tried multiple times to contact LexisNexis various ways but they continue to fail to provide any evidence the bankruptcy belongs to me. I have filed letters with Arizona Attorney for failing to provide any evidence. They confirmed verified the bankruptcy as accurate but not backing it up with support documents. They did not provide original validation documents, such as an actual signed court filing or proof that the bankruptcy record belongs to me. They are only going off the name and address which does not belong to me. Theres no attached copy of any court record or identifying document, only a restatement that their furnisher verified the record as accurate. Which again the US COURTS are not furnishers and do not report to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Victim of Data Security Breaches Equifax, INC. Data Breach XXXX XXXX Data Breach XXXXXXXX XXXX XXXXXXXX The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations if not removed adequately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-18 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: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-18 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Who Im filing against : Wakefield & Associates ( Debt Collector ) Summary of my complaint : Wakefield & Associates is attempting to collect and report a debt to the credit bureaus without providing proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, despite multiple written requests. 

On XXXX XXXX, I sent a formal written request for validation of the debt, including proof of ownership, signed agreement, and a complete itemized account history. I also asked for documentation to confirm I am legally responsible for this account. 

The company responded by mail with generic documents that do not prove ownership, do not include any signed agreement, and do not contain an itemized breakdown of charges or payment history. The paperwork appears to be fabricated and does not meet legal validation requirements. It does not come from the original creditor nor does it verify the debt in any meaningful way. 

I sent a follow-up written request on XX/XX/year>, and they still failed to provide proper proof. The account continues to be reported on my credit file despite being in dispute, which is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

What I want : Proper validation/verification of the debt, including original signed agreement and full account documentation The account to be removed from my credit reports until validation is provided Written confirmation of their findings All communication in writing only Laws violated : Fair Debt Collection Practices Act ( FDCPA ) 1692g Fair Credit Reporting Act ( FCRA ) 1681s-2 Impact on me : This unverified collection account is damaging my credit and causing emotional and financial harm. I have made good faith efforts to resolve this matter, but the company refuses to comply with federal law. 

Attachments I can provide : My original debt validation request Their insufficient response Any letters/emails exchanged Credit report screenshots showing the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-18 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: TN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation