vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this formal complaint regarding unauthorized or improperly reported hard inquiries and inaccurate collection accounts that currently appear on my credit report. These items are harming my creditworthiness and were added without proper verification, permissible purpose, or due process, in violation of federal consumer protection laws. 

The following hard inquiries were made without my full knowledge, consent, or lawful purpose as defined under FCRA 1681b : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these entities to access my credit report for hard inquiries, nor was I extended or guaranteed credit in connection with these inquiries. These actions appear to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ), which prohibits credit inquiries without a permissible purpose. I request the permanent removal of these inquiries.

Additionally, I dispute the following collection accounts, which are inaccurate and unverified : XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$500.00} These accounts are being reported without proper validation of the debt as required by FCRA 1681i and FDCPA 809 ( b ). I have not received adequate proof that these debts are valid, that XXXX XXXX has the legal right to collect, or that the amounts are correct. Continuing to report these items without verification constitutes furnishing inaccurate information, a violation of FCRA 1681s-2 ( b ).

Furthermore, these practices may also constitute unfair or deceptive acts or practices under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
This is my formal dispute of the above XXXX XXXX  tradeline. I have previously requested an investigation, but your bureau failed to correct the errors, violating FCRA 611 ( a ) ( duty to conduct a reasonable reinvestigation ).

The account continues to report with material inconsistencies that violate FCRA 607 ( b ) ( requirement for maximum possible accuracy ). 


Specific Errors Identified : Conflicting Dates : TU lists Date Last Active as XX/XX/XXXX, EXP = XX/XX/XXXX, EQ = XX/XX/XXXX. TU lists Last Payment = XX/XX/XXXX, EQ = XX/XX/XXXX. These inconsistencies affect the legal reporting period and create re-aging concerns. 

High Credit Discrepancy : TU/EXP = {$100000.00} vs EQ = {$60000.00}. A {$40000.00} difference is a significant error. 

Inconsistent Comments : TU = Charged off bad debt, EXP = Unpaid balance reported as loss, EQ = Charged off account / Unsecured. 

Conflicting Payment Histories : TU/EXP show continuous CO ; EQ shows XXXX  days late, then OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Complaint Against : Wells Fargo Claim # : XXXX Amount : {$10000.00} Wells Fargo denied my fraud claim after I was coerced by a criminal impersonating a police officer into sending funds via online banking/XXXX. 

The denial letter ( attached, dated XX/XX/year>XXXX  ) states that the transactions were completed by me or someone with my authority. This is not correct. No one had my authority. I acted under coercion and false pretenses. This was fraud, not authorization. 

Under the Electronic Fund Transfer Act ( Regulation E ), these transfers qualify as unauthorized electronic fund transfers. Regulation E does not permit banks to classify coerced, fraudulent transactions as authorized merely because they occurred through a secure login session.

I reported the fraud promptly and provided evidence, including : Police report of law enforcement impersonation. 

Screenshots and call records of the fraudulent contact. 

Transaction details. 

Requested Resolution : That Wells Fargo reopen the claim, conduct a reinvestigation, and reimburse the {$10000.00} loss under Regulation E.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXToXXXX XXXX XXXX XXXX XXXX[CRA Address]\n\nSubject: Dispute of Inaccurate Credit Information\nDear [XXXX XXXX XXXX XXXX XXXX],\nI am writing to formally dispute inaccurate information appearing on my credit report. Please\ninvestigate and remove or correct the following accounts:\n1.\nCreditor Name: LVNV FUNDING\nAccount Number: \nDispute Reason: debt removal\n\nThe above items are incorrect and should not be included in my credit file. I am requesting a reinvestigation of these accounts. If you cannot verify their accuracy, I request that they be deleted.\nPlease respond with the results of your investigation and provide an updated copy of my credit\nreport. I have attached any relevant documentation to support my claims.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
on XX/XX/year> there were 2 charges on my Amazon card. 1 for {$840.00} and {$1000.00}. I called and reported the charges were not mine, and in the next day the charges were removed. One month later they reapplied the charges, and said they had proof that we ordered the items. I asked that they send me this proof, as I have proof that I did not order these items.

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 monetary relief
Consumer complaint received 2025-09-30 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for an American Express Delta SkyMiles credit card after receiving an email advertising an XXXX XXXX  XXXX bonus miles offer * * for new cardholders who spend {$3000.00} within 6 months. 

I met the spending requirement by using the card and spending more than {$4000.00} within the required timeframe. However, I never received the XXXX bonus miles. 

I contacted both XXXX and American Express customer service multiple times. American Express representatives claimed that I had already received this type of welcome bonus before, but they would not provide any clear information regarding which card or when this occurred. 

In one call, a representative told me that I had previously closed a XXXX American Express card and therefore was not eligible. This is incorrect. In XXXX, XXXX and American Express ended their partnership, and the XXXX Amex cards were automatically expired. That was not a card I voluntarily closed, nor did it include any Delta SkyMiles bonus offer. 

When I asked for clarification, the representative gave inconsistent explanations, including mentioning that I currently have 3 Amex cards and vague references to my card history and payment history. I have excellent credit and a good payment history, so this should not affect eligibility. 

I believe this is * * misleading advertising and unfair denial of the promised bonus miles * *. I would not have applied for this credit card if I had known Amex would refuse to give me the XXXX bonus mile offer after meeting the stated requirements. 

By refusing to honor publicly advertised promotional offers, American Express is engaging in deceptive business practices that mislead and harm consumers. This conduct violates fair advertising and consumer protection laws and effectively fools consumers into applying for credit cards under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just pulled my report this morning and noticed that the account I reported still reflecting on my report. And this is against Consumer Reporting Act already. I want this account permanently deleted off my report within the XXXX business days.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and TransUnion are reporting charged off accounts as still being delinquent as of XX/XX/year> when the debts have been charged off, I asked the creditors for a 1099C Which is in violations of faucet misleading under the Fair credit reporting act, 15 U.S.C.1681S 2B And fraudulent and awful debt representation under O.C.G.A.16 83 and oh.C.G.A 10 13 93 for the XXXX account XXXX. Charge off account which I asked for proof of the account being charged off which the credit bureaus is double reporting saying that it is still past due as of XX/XX/year> violets the fair credit reporting act, 15.U.S.C s-2b which requires all finish information be accurate and not misleading and it violates the Georgia fair business practices act O.C.G.A103, 93 and it is also a form of credit de formation and consumer harassment for my XXXX XXXX credit card account XXXX. Ive sent certified letters to both creditors, asking to furnish this information and they were unable to furnish me items that need to be provided by the Consumer then I went and disputed it on Equifax and TransUnion siding that they were in violation to continue to report these things unlawfully with an amount showing still delinquent with a balance as of XX/XX/year> 2025

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I filed CFPB Complaint # XXXX against Experian for unlawfully reporting medical-related credit activity. Although Experian has since removed most of the disputed items, they continue to illegally report a XXXX Bank account that was used exclusively for medical-related expensesincluding emergency prescriptions and treatment. 

This is not a gray area. The CFPBs Final Rule ( issued XX/XX/year>, effective XX/XX/year> ) categorically bans the reporting of medical debt or any medical-related financing activity on consumer credit reports. By leaving this account on my file, Experian is in direct violation of federal law. 

Experians XX/XX/year> response was not only outside the 30-day reinvestigation window mandated by FCRA 1681i ( a ) ( 1 ) ( A ), but it also attempted to justify the continued reporting of information that is flat-out prohibited. As of XX/XX/year>, the XXXX Bank account remains, despite its classification as medical-related credit activity that can not, under any circumstance, be included in a consumer credit file. 

This ongoing reporting is completely illegal. It violates the CFPBs Final Rule, as well as multiple sections of the Fair Credit Reporting Act, including 1681c ( a ) ( 6 ), 1681b ( c ), and 1681i ( a ). By knowingly maintaining a prohibited account on my report, Experian is engaging in willful or, at minimum, grossly negligent noncompliance under FCRA 1681n and 1681o.

Experian has no excuse, no loophole, and no legal authority to continue reporting this account. Their conduct is unlawful, harmful, and indefensible.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank Attn : Credit Bureau XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Follow-Up to Goodwill Request for Removal of Late Payments To Whom It May Concern, I am writing to follow up on a goodwill adjustment request I previously submitted regarding late payments reported on my Capital One account ( SSN # XXXX ). I recently reviewed my credit report and noticed that the negative reporting is still present. I respectfully ask that you reconsider my request to remove these late payments from my credit history. 

I fully acknowledge and take responsibility for the past-due payments and understand their impact. However, since that time, I have worked diligently to bring the account current and maintain consistent, on-time payments. These late payments were not a reflection of my overall financial behavior but were caused by a temporary period of hardship. 

I also want to share a more personal update, as this issue is significantly affecting my current well-being. I recently gave birth, and as I navigate this postpartum period, the stress of having negative items on my credit report is adding undue emotional and mental strain during what should be a joyful and healing time. Managing finances responsibly is extremely important to me, especially now as I work to build a stable future for my child and family. 

I sincerely ask for your compassion and understanding in reconsidering my goodwill request. Removing the negative reporting would have a meaningful impact on my credit standing and help alleviate some of the pressure I am currently facing. 

Thank you again for your time and for reviewing my request. I value my relationship with Capital One and hope we can work toward a positive resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation