vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
I disputed a charge on my XXXX credit card account ending in XXXX because I believed it was incorrect. XXXX did not provide documentation validating the charge and did not provide written findings of any investigation as required under the XXXX XXXX Billing Act ( FCBA ). Despite the account being in dispute, XXXX continued billing me, added late fees, and reported late payments. 

During this unresolved dispute, XXXX ( or its representative ) threatened wage garnishment, even though no court judgment existed. This threat was false, coercive, and caused me to agree to an {$18000.00} settlement on a {$30000.00} balance under pressure. I only accepted the settlement because I believed my wages were at risk. 

All negative information on my credit reports including late payments and a charge-off resulted from XXXX  mishandling of the billing dispute and the coercion used to force a settlement. These negative items are inaccurate and unfair. 

On XX/XX/year>, I disputed the reporting with Experian, Equifax, and TransUnion by certified mail. I received no valid XXXX XXXX XXXXXXXX from any bureau, and the negative reporting remains. The credit bureaus did not conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require XXXX and the credit bureaus to remove all late-payment notations and the charge-off, correct the inaccurate reporting, and provide proper documentation supporting any information they choose to continue reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: QUALITY ACCEPTANCE LLC
State: AZ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
This is a notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA XXXX, XXXX, and XXXX, which requires all reporting to be accurate and fully verifiableTo date, you have not provided : Proof of verification, Documentation from the furnisher, Contact details of the person who claimed to verify, Any evidence showing the information is correct. 

If these accounts can not be verified with original documentation, they must be deleted immediately. 

This is a lawful request for compliance with federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WA

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I am filing this complaint because multiple furnishers and credit bureaus have reported information on my credit file that is inaccurate, incomplete, outdated, unverifiable, or improperly validated, creating ongoing harm to my consumer profile. The XXXX accounts ( XXXX XXXX XXXX XXXX  on Equifax, XXXXXXXX XXXX XXXX XXXX on TransUnion, and XXXX XXXX XXXX XXXX XXXX on Experian ), all showing {$0.00} balances, continue to be reported with errors despite being closed, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ) because the information is not being corrected or properly updated. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Experian ) also reports a {$0.00} balance yet appears as if active, failing the accuracy standards under FCRA 607 ( b ) and the furnishers duty to investigate under 623 ( b ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Experian still appears inaccurately with a {$0.00} balance but with incorrect date information and outdated status, violating the bureaus accuracy obligations under 607 ( b ) and the furnishers XXXX  requirements under 623 ( a ) ( 5 ) and removal rules under 605 ( a ). XXXX XXXXXXXX XXXX on TransUnion continues to display erroneous information despite a {$0.00} balance, which also violates FCRA 623 ( a ) ( 2 ) and 623 ( b ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX  in Equifax reports an inconsistent {$1.00} balance instead of XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 605 ( a ). XXXX. XXXX XXXX is reporting a {$210.00} XXXX XXXX XXXX balance in Experian without ever providing proper debt validation under FDCPA 809 while also presenting misleading representations in violation of FDCPA 807 and potentially unfair practices under FDCPA 808, along with inaccurate or obsolete reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( a ). Additionally, Experian is reporting unauthorized or non-permissible inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX violating FCRA 604 ( a ) regarding permissible purpose, the dispute rights under FCRA 611, and reporting limits under 605 ( a ). Despite repeated disputes, deletions have not been made as required by law, leaving inaccurate and unverifiable entries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I am filing this complaint because multiple furnishers and credit bureaus have reported information on my credit file that is inaccurate, incomplete, outdated, unverifiable, or improperly validated, creating ongoing harm to my consumer profile. The XXXX accounts ( XXXX XXXX XXXX XXXX  on Equifax, XXXXXXXX XXXX XXXX XXXX on TransUnion, and XXXX XXXX XXXX XXXX XXXX on Experian ), all showing {$0.00} balances, continue to be reported with errors despite being closed, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ) because the information is not being corrected or properly updated. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Experian ) also reports a {$0.00} balance yet appears as if active, failing the accuracy standards under FCRA 607 ( b ) and the furnishers duty to investigate under 623 ( b ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Experian still appears inaccurately with a {$0.00} balance but with incorrect date information and outdated status, violating the bureaus accuracy obligations under 607 ( b ) and the furnishers XXXX  requirements under 623 ( a ) ( 5 ) and removal rules under 605 ( a ). XXXX XXXXXXXX XXXX on TransUnion continues to display erroneous information despite a {$0.00} balance, which also violates FCRA 623 ( a ) ( 2 ) and 623 ( b ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX  in Equifax reports an inconsistent {$1.00} balance instead of XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 605 ( a ). XXXX. XXXX XXXX is reporting a {$210.00} XXXX XXXX XXXX balance in Experian without ever providing proper debt validation under FDCPA 809 while also presenting misleading representations in violation of FDCPA 807 and potentially unfair practices under FDCPA 808, along with inaccurate or obsolete reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( a ). Additionally, Experian is reporting unauthorized or non-permissible inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX violating FCRA 604 ( a ) regarding permissible purpose, the dispute rights under FCRA 611, and reporting limits under 605 ( a ). Despite repeated disputes, deletions have not been made as required by law, leaving inaccurate and unverifiable entries on my consumer 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 non-monetary relief
Consumer complaint received 2025-11-29 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: MO

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 2025-11-29 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: MO

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX of this year I fell victim to a wire scam which was instigated by false rental agreement in the XXXXXXXX XXXX XXXXXXXX. The portrayed property manager requested me to send {$2700.00} to the landlord per wire information she provided. Upon receiving the wire the landlord said her account was frozen and asked me to send another wire to a different account. At that point I reached out to Wells Fargo, where both the recipient/landlord and I have accounts and asked them to return the money over. Also, I sent them two email confirmations from the landlord asking me to initiate a return of the funds back to my account. Over the next 50 days, I called WF on a weekly basis at least twice a week. Each time I called I got a different rep with different answer ranging from ; it'll take them 10 business days to get me an answer, to it'll take them 90 days to get me the money back, etc. WF ended up opening two different cases and eventually turned my request down on both cases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello I bank with chime. On XX/XX/XXXX my account was hacked from an account named us mobile and they took {$230.00} from my account. I was sleep around the time that it happened, and it happened from 3-6 in the morning. I immediately called chime and told them that it was a fraudulent transaction. They denied my request to look into it, and they denied me of {$230.00}. I told them that I needed to speak to a supervisor about the problem because it was fraudulent activity going on around that time. They denied me of that as well. So Im reaching out so that this problem is handled properly. I just want my money back thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC XXXXXXXX XXXX XXXXXXXX RE : Dispute and Validation Request for Account # XXXX This message is to inform you I am disputing the following account and need immediate verification. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
This letter serves as a formal dispute pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 regarding inaccurate, unverified, and potentially fraudulent information currently appearing on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my 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 non-monetary relief
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent. Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that According to FRCA section 605 B it is illegal to report information on my credit report without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent. Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that According to FRCA section 605 B it is illegal to report information on my credit report without my permission

Company response to consumer: Closed with explanation