vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts from BOTH XXXX XXXX XXXX XXXX  have been paid % 100 as well as on time and never late. Equifax has refused to update my profile correctly since XXXX of 2024. As well as XXXX XXXX XXXX ( this account needs to be completely deleted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XX/XX/XXXX & XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. Account Name : XXXX Account Number : XXXX XXXX. Account detail : Account XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 XXXXXXXX

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 2025-03-31 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX Original Creditor : XXXX XXXX XXXX OF I XXXX Balance {$1600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Re : Unauthorized Credit Reporting by Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Subject : Dispute of Unauthorized Collection Account Caine & Weiner Dear CFPB Representative, I am filing a formal dispute regarding a fraudulent and inaccurate collection account reported by Caine & Weiner on my credit report. This collection agency purchased my alleged debt from a creditor that did not have permission to report it, which makes the reporting of this account unlawful. I demand its immediate removal under federal consumer protection laws. 
Legal Violations and Supporting Case Law Unauthorized Reporting by Debt Buyer ( FCRA Violation 15 U.S.C. 1681b ( a ) ) Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to report an account on a consumers credit file. 

Since Caine & Weiner is a third-party debt buyer and not the original creditor, it must provide proof of assignment and authorization to report this debtwhich they have failed to do.

Case Law : In St. Paul Guardian Ins. Co. v. Johnson, 884 F.2d 881 ( 5th Cir. 1989 ), courts held that a debt buyer does not have the same reporting rights as the original creditor unless properly assigned.

Failure to Validate Debt Ownership ( FDCPA Violation 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), a collection agency must provide proof of ownership of the debt upon request before attempting to collect or report it.

Caine & Weiner failed to validate this debt, violating 15 U.S.C. 1692g ( b ), which states that an account must be removed from reporting if it can not be verified.

Case Law : In Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ), the court ruled that a debt collector must show proof of assignment and validation before reporting or collecting a debt.

Lack of a Valid Agreement with the Original Creditor ( Contract Law Violation ) I never signed any agreement with Caine & Weiner, and they have not provided any proof that they legally own or have permission to report this debt.

The original creditor did not report this account, which raises further questions about Caine & Weiners right to do so.

Case Law : In Randolph v. IMBS, Inc., 368 F.3d 726 ( 7th Cir. 2004 ), the court ruled that debt collectors must prove they were assigned the debt properly and legally.

Failure to Conduct a Reasonable Investigation After Dispute ( FCRA Violation 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account, yet Caine & Weiner failed to conduct a reasonable investigation, violating 15 U.S.C. 1681s-2 ( b ).

The law requires that once a dispute is filed, the furnisher must substantiate the debt or delete it.

Case Law : In Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ), the court ruled that failure to conduct a reasonable investigation after a dispute is an FCRA violation that entitles the consumer to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am contacting you to formally address critical issues I have identified in my credit report. After carefully reviewing my report, I noticed several discrepancies, such as accounts that I do not recognize, unauthorized credit inquiries, and billing inconsistencies. These errors are having a detrimental effect on my financial security, and I urge you to take immediate action to resolve 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 explanation
Consumer complaint received 2025-03-31 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:
Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, XXXX, and XXXX for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes. 

Case Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts on my credit report. 
I filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. 
Despite multiple dispute requests, they have refused to remove these fraudulent items. 
This is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft. 

Fraudulent Accounts : I demand the immediate removal of these fraudulent accounts and. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance 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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Collection Account Violation of FTC v. Check Investors ( Civ. No. 03-2115 ( GEB ) ) To Whom It May Concern, I am formally disputing the validity of the following collection account that appears on my credit report : Creditor/Collection Agency XXXX LVNV Funding LLC Account Number : XXXX Amount : {$1100.00} Creditor/Collection Agency : LVNV Funding LLC Account Number : XXXX Amount : {$1500.00} Creditor/Collection Agency : LVNV Funding LLC Account Number : XXXX Amount : {$940.00} Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported debts are accurate, verifiable, and legally enforceable. I am invoking FTC v. Check Investors ( Civ. No. 03-2115 ( GEB ) ), which establishes that debts resulting from unfair, deceptive, or illegal collection practices can not be legally enforced or reported.

If this debt was purchased from another entity, I demand proof that the original creditor had the legal right to sell or transfer it, as well as a full validation of the debt, including a signed agreement proving I owe the stated amount. If you can not provide this, you must immediately delete this account from my credit file under federal law.

Failure to comply will result in a formal complaint with the Federal Trade Commission ( FTC ), and my state attorney generals office. Furthermore, I am prepared to seek legal remedies for damages caused by this inaccurate reporting.

This is a formal demand for deletion, not merely an update or verification. Please respond in writing within 30 days of receipt of this letter to confirm the removal of this account. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am filing this formal complaint against Wells Fargo regarding their unjust decision to close my personal and joint accounts, as well as their unprofessional conduct in handling the situation. The circumstances surrounding these actions have caused significant distress and financial inconvenience, and I believe their reasoning is baseless and unjustified. 

Wells Fargo informed me that my personal account was closed due to an alleged fraudulent electronic transfer. However, I have never initiated any wire transfer from my account. The only transactions I conducted using this account were through XXXX, and all of those transfers were sent to accounts under my name at other banking institutions. There was no unauthorized or fraudulent activity on my part. 

Furthermore, Wells Fargo proceeded to close a joint account that my wife held with them. When she inquired about the matter over the phone, she was told that I was considered a " fraudster '' and that she could open a new account, but only without me. This statement was not only defamatory but also deeply upsetting and damaging to my reputation.

I made multiple attempts to seek clarification regarding this decision. I called Wells Fargos customer service and also visited a local branch in person to understand why my accounts were closed. Unfortunately, I was not provided with any concrete explanation or evidence to support their claims. During one phone conversation, an agent mentioned an unauthorized wire transfer as the reason for closure. However, as I understand, initiating a wire transfer would require access to my account, which was never the case.

I am extremely frustrated and angered by Wells Fargos decision and the way I was treated throughout this process. I have never engaged in any fraudulent activity with any of my bank accounts across multiple financial institutions. Their actions not only disrupted my financial stability but also defamed my character without any basis.

I request the Consumer Financial Protection Bureau to investigate this matter and hold Wells Fargo accountable for their unfair banking practices. I would appreciate a prompt resolution to this issue, including an official explanation and, if possible, reinstatement of my accounts.

Please let me know if you require any additional documentation or information from my side.

Thank you for your time and assistance in 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 explanation
Consumer complaint received 2025-03-31 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-31 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I want reported accounts removed.

Company response to consumer: Closed with explanation