vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I reached out to this company, Hunter Warfield , Inc. to let them know that I was a victim of identity theft. There appears to be a balance from an original creditor by the name of PACE for a balance of XX/XX/XXXXI sent them a certified letter in the mail with a statement, copy of the police report, copy of the FTC report XXXX identification documents and address verification ( bank statements redacted ) letting them know I was a victim of identity theft. They have falsely gained this account and have purchased the debt from another company .They have reported this information to multiple credit bureaus even after I provided them this information and need them to remove this information as soon as possible as it has been deemed fraudulent as a result of identity theft. I have sent them certified mail that was received today XX/XX/year>. They have 4 business days to block this information from all credit agencies that they are currently reporting to. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-10 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: TX

Complaint narrative:
I have disputed inaccurate accounts with credit reporting agencies ( Equifax & Experian, ). Each bureau has failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i : Equifax ( XX/XX/year> ) blocked me from uploading supporting documents and previously dismissed my dispute as duplicative under 1681i ( a ) ( 3 ) ( A ), even though I provided new evidence including fiduciary notices, affidavits, UCC-1 filings, and proof of harm.

Experian returned a message that my dispute was duplicative and refused to reinvestigate. This is unlawful because I submitted new and different information not reviewed before. 


In addition, an Equifax representative XXXX XXXX XXXX admitted by phone that the bureaus use e-OSCAR exclusively, do not call furnishers, and share responses across all three bureaus. This shows that no independent investigation is being performed. 

The result is that inaccurate, harmful information remains on my credit reports while the bureaus block me from exercising my rights under the 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 explanation
Consumer complaint received 2025-09-10 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: MT

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was scammed out of my whole social security check filed police report and all and still my claim was denied police officer even called the number given to me and he called and it was not a valid company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX 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 2025-09-10 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/year> -- Balance {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi Bank closed my account and took away my remaining funds that was in my account and that was my college money! I am legally entitled to my remaining funds after getting a bank account closed! I will report and sue if needed to get my money back. I can't even see my bank statements anymore and also my transaction history and SoFi Bank stole my money and I want it back or else they will never stop hearing from me until I get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Issue : Inaccurate Reporting of Late Payments & Unverifiable Account Information I am filing this formal dispute regarding the account listed above, which is being reported by Seventh Avenue. This account is inaccurately reporting late payments ( XXXX and 60 days past due ), and there has been no legal or verifiable documentation provided to substantiate these delinquencies. Furthermore, the reporting of this account appears to be in violation of several federal consumer protection laws, which I outline below. 

Violations Identified : Late Payment Reporting Violation 15 USC 1666b ( TILA ) This statute mandates that a creditor must not treat a payment as late unless the payment due date was clearly disclosed and the consumer was given at least 21 days from the statement date to make that payment. I have not received proof of any statements, billing notices, or grace periods supporting the legitimacy of these late payments. 

Truth in Lending Disclosure Violation 15 USC 1637 ( a ) ( b ) ( 12 ) Seventh Avenue has failed to provide complete and transparent disclosures of payment terms and conditions as required under this statute. If such disclosures are unavailable or undocumented, the creditor is not legally permitted to report delinquencies. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) I have not been provided with the original source and full documentation of this account. Under the FCRA, I have a right to obtain verification and validation of any account being reported.

Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g If this debt was ever sold, assigned, or collected by a third party, a debt validation notice should have been issued within 5 days of initial communication. I have no such record of validation.

Deceptive Practices FDCPA 15 USC 1692e Continuing to report delinquent or misleading account information without verifying its accuracy is a direct violation of this statute and creates false impressions of my creditworthiness. 
Summary of Inaccuracies : 30-day late payment reported for XX/XX/XXXX and XX/XX/XXXX XXXX late payment reported for XX/XX/XXXX No billing statements or proof of due dates provided No evidence of a legal contract or agreement validating this reporting No proof of delivery of terms, grace periods, or billing rights These entries are damaging to my credit score, misleading to lenders, and represent a failure to follow both Metro 2 Compliance Guidelines and E-OSCAR data processing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I closed my accounts with Wells Fargo at the XXXX XXXX XXXX in XXXX, NC, and withdrew {$1800.00} in cash. The funds were provided to me in a sealed envelope by the teller. I did not open or count the cash at Wells Fargo. 

On XX/XX/year>, when opening a new account at XXXX  XXXX XXXX, the sealed envelope was opened in front of their Senior Banker, XXXX XXXX, and it was identified that XXXX of the {$100.00} bills was counterfeit. I voluntarily surrendered the counterfeit bill to the XXXX XXXX XXXX, who documented it under XXXX # XXXX. 

I provided Wells Fargo with the police report number, deposit receipts, and the phone number of the XXXX XXXX at XXXX  XXXX XXXX who confirmed that the envelope had not been opened prior to my arrival at their branch. Despite this evidence, Wells Fargo closed my case on XX/XX/year>, stating they found no error on their part. 

This has caused me a financial loss and undue distress, as I trusted the bank to provide authentic U.S. currency. I am requesting that Wells Fargo : Reimburse the {$100.00} counterfeit bill issued to me during the account closure.

Review branch security footage and internal cash-handling records from XX/XX/year>, to confirm when and how the counterfeit bill was dispensed. 

Acknowledge accountability and ensure stronger procedures so this does not happen to other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that i found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent things from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I found a mistake on my credit report and I contacted EXPERIAN, and WILL be contacting XXXX  to find out the truth and resolve this issue. They have down right failed to comply with FTC regulations and refuse to fix this issues, this is a clear violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-09-10 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the account furnished by your agency, which I never agreed to, nor signed any legal contract for. Under the Fair Debt Collection Practices Act ( FDCPA ), a binding agreement requires the consent of both partiesand I was never a participant in this alleged obligation.

Your agency failed to follow the legally mandated 5-step validation procedure, which is not just a technical oversight but a direct violation of my consumer rights. These unjustifiable practices are prohibited under the FDCPA, and I am entitled to compensation for the harm caused. 

This situation has placed an undue emotional and financial burden on me. As a small business owner navigating economic hardship, Ive worked tirelessly to rebuild my life and protect my credit. To have an unverified debt suddenly appearwithout warning, without validationfeels like a betrayal of the very system meant to protect consumers like me. Its not just a clerical error ; its a disruption to my livelihood, my peace of mind, and my ability to move forward. 

I demand that this account be removed immediately and that your agency cease all collection efforts. I reserve the right to pursue further legal action if this matter is not resolved promptly and in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CBC Companies, Inc.
State: MT

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing a collection account that continues to appear on my TransUnion credit report. 

I disputed this account on [ XX/XX/year> ] and it was deleted by TransUnion.

The account was later reinserted without notice, which violates FCRA section 611 ( a ) ( 5 ) ( B ) requiring the credit bureau to notify me within XXXX business days before reinsertion. 

The reported balance is inaccurate and has been increased multiple times without documentation or validation. This is a violation of FCRA section 623 and FDCPA section 807 which prohibit furnishing false or misleading information.

I have no record of receiving proper validation of this debt from the collection agency.

I am requesting that this account be permanently deleted from my credit report due to repeated violations of federal law and the furnishers failure to provide proof or accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I can not believe the inaccurate late payments are still appearing on my report today. I refreshed my browser thinking it might be an error, but it was not. This situation is causing me overwhelming frustration, and I need the documents I sent to be carefully verified immediately so I never have to face this again.

Company response to consumer: Closed with non-monetary relief