vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am a consumer working to repair my credit and have identified several discrepancies in my credit report. I am submitting the following disputes for your investigation and resolution. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ============================== INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ============================== LATE PAYMENTS : XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am a consumer working to improve my credit, and I am disputing the following accounts on my credit report. The details of the accounts in question are listed below : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
The entry contains inaccuracies regarding my financial activity. Please revise it upon review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I requested a cash advance from MoneyLion and was approved for fast cash. I received it and repaid it. In I think the beginning of XXXX I had money taken out of my checking account after I already paid the cash advance off. I was told is was for a credit builder loan payment. I never requested or authorized a loan. I was told that if I paid {$72.00} I could close the loan out. I was going to pay it but remembered they just took {$96.00} out of my account without authorization which caused m account to be over drawn and I cant close the MoneyLion account out yet. Today another {$96.00} was taken out of my account and caused my checking account to be overdrawn. I asked prior to have this loan and account closed out. I am XXXX years old and XXXX and this is a financial hardship on me snd my family for something I didnt authorize. Their lending practices are deceptive and predatory.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Old bills showing unpaid that are paid and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This complaint is against Wells Fargo for an 11-month systemic failure in XXXX compliance that enabled a business fund fraud, resulting in a total loss of {$170000.00} of my business operating capital. 

Timeline and Loss : The fraudulent activity occurred over an 11-month period ( XX/XX/XXXX to XX/XX/XXXX ). I discovered the situation and immediately notified the bank on XX/XX/XXXX. 

The Banks Error ( XXXX Failure ) : The basis of my complaint is a banking error in crediting an account that violated established compliance procedures. Funds intended for my entity were illegally directed to the Wells Fargo account with number XXXX. 

My evidence ( attached check image ) clearly shows the intended payee name as XXXX XXXX XXXX XXXX XXXXXXXX. When I escalated this to the Wells Fargo Enterprise Complaint Management Office ( ECMO ), the assigned case manager verbally confirmed that the legal name on file for the receiving account ending in XXXX was NOT XXXX XXXX XXXX XXXX XXXX 
This admission confirms that Wells Fargo allowed hundreds of thousands of dollars to be credited to an account where the payee name did not match the legal name on the account, proving a catastrophic failure in the banks internal controls and compliance system that persisted for 11 months. 

The Bank 's Failure to Resolve ( Since XX/XX/XXXX ) : Despite this verbal admission of non-compliance, the ECMO case manager has refused to respond to my communications, as well as those from the police detective assigned to the case, since XX/XX/XXXX. Wells Fargo has failed to provide a full investigative report, has refused to initiate the clawback process, and has unreasonably delayed in correcting this error, compounding my business 's financial damage. 

Desired Resolution and Damages : I demand that Wells Fargo fully investigate and correct this error immediately. I require full compensation for all losses and damages caused by the bank 's negligence and subsequent failure to resolve the issue : XXXX. Principal Loss : {$170000.00} 2. Compensatory Damages : {$10000.00} in interest on the principal loss ( 6 % for 12 months ). 

XXXX. Consequential Damages : Full reimbursement for all lost business income, fees and interest on personal debt incurred to cover the operating shortfall, and all costs associated with necessary deferred restaurant maintenance and upkeep. 

Wells Fargo 's failure to maintain basic compliance standards and its subsequent silence have caused severe and continuing harm to my business. I request the CFPB compel Wells Fargo to provide the full resolution demanded above.

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 2025-12-02 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:
I am disputing the following accounts on my Equifax credit report : Charged-Off Accounts EQ : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries EQ : No inquiries listed for Equifax. 

Positive Accounts EQ : No positive accounts listed for Equifax. 

Late Payments EQ : No late payments listed for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Submitted a credit card dispute due to the merchandise being unavailable ( scam ) through XXXX. Merchant submitted a response to my dispute that I didn't cancel the booking, when in fact there was nothing to cancel, and in which the scam was reported online through an AI chat bot wherein the chatbot informed me that I would receive an automatic refund and a 10 % coupon. This complaint is submitted against the card issuing bank as it has violated the rights afforded by the Fair Credit Billing Act.

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 2025-12-02 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: MS

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and incomplete information being reported on my credit report. I request that the items listed below be investigated and corrected. The accounts in question are outlined per each bureau, with clear indications of the discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-12-02 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: MA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXXXX 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 2025-12-02 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of certain items on my credit reports. These items appear to be erroneous or incomplete, and I kindly request a thorough investigation to ensure the integrity of my credit file. Below, I have outlined the accounts in dispute, separated by each bureau : CHARGED OFF EQ : Dear Sir/Madam, I am formally disputing the accuracy of the following charged-off account reported by Equifax. I believe this account is being reported inaccurately, and I request a complete investigation of its details to ensure it aligns with the true history of my financial record. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$3100.00} INQUIRIES EQ : Dear Sir/Madam, I am disputing the following inquiry on my Equifax report . I believe this inquiry is either unauthorized or inaccurately reported. I request that a thorough investigation be conducted to resolve this matter and remove any erroneous inquiries. 

XXXX XXXX, XX/XX/XXXX LATE PAYMENT EQ : Dear Sir/Madam, I am disputing the following late payment reported on my Equifax report XXXX This information is inaccurate, and I request that a complete investigation be conducted to rectify this issue. Please review my payment history and remove any incorrect late payment entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Can you take a look at this record? It seems late and possibly 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent has XXXX debts they say I owe. I paid XXXX off today. XXXX maybe legitimate. But XXXX i disputed it isn't on any of my XXXX credit reports. They say it is XXXX XXXX XXXX XXXX XXXX of {$520.00} XXXX. They still are trying to get me too pay this debt. I ask them to remove it and told them I'm not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-02 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: OH

Complaint narrative:
I am a consumer working to repair my credit and have identified several discrepancies in my credit report. I am submitting the following disputes for your investigation and resolution. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PA

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Someone fraudulently use my information without my consent with this inquiry. Company XXXX XXXX is the negative inquiry on my report

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