vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
Transunion did not remove inaccurate reporting from my credit report. 
File number XXXX I was given by them. I would like a reinvestigation into this dispute and what method of verification was used?

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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have try to dispute this debt on experian, credit karma, equifax I have prove this debt was dismissed I went to court and this debt was dismissed in court and I have the proof I try for over and over to dispute and this debt is still on my report and these companies keep denying me and I am sending the proof of the paperwork of this situation and they told me its invalid in which it is not true I just want this remove please I will attach proof and when I call the company to remove this debt they give me such a rude response I applied that I have proof of this case being dismissed and they told me I still have to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
b'XXXX XXXX  XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nKXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX5 \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX 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 2025-07-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
b'XXXX XXXX  XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nKXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX5 \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-19 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: RI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CO

Complaint narrative:
In regards of XXXX XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX. 
Ive already requested investigations into this accounts in my previous correspondence back in XXXX. There was no mention of the results of investigations in the dispute that came through mail in XXXX in regard of your findings. This leads me to believe that unlike Equifax or Transunion, Experian did not do what was legally required. Each credit bureau has different information on each account which makes it invalid and misleading. This is hurting my ability to obtain credit, and it is a violation of my rights according to the FCRA Section 623. There will be back and forth in this, and I can guarantee that starting with wrong dates on late payments, date of first delinquency, comments from the account provider, remarks on accounts and even the terms, theres different info in all three bureaus. As you can see, Ive paid my debt, my balance is well under 20 % among all my accounts and the negative accounts are illegally being reported. No late payments in my open accounts, what Experian is doing I consider sabotage and illegal and so does my lawyer. Please save us a headache and delete this account.

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 2025-07-19 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: LA

Complaint narrative:
Inaccurate Personal Information : Only the following should appear : - Name : XXXX XXXX XXXX XXXX. 
- Address : XXXX XXXX XXXX XXXX, XXXX, LA XXXX - Employer : XXXX XXXX XXXX XXXX XXXX XXXX all other names, addresses ( such as those in XXXX, XXXX, XXXX ), and employers. 

Inquiries to be Removed : XXXX XXXX  - XXXX XXXX XXXX XXXX ( XX/XX/year> ) I request immediate removal of these inquiries unless tied to a currently open and verified account. 

I request a reinvestigation under FCRA 611 and removal of all unverifiable items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
The investigation did not resolve inaccuracies 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
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
The investigation did not resolve inaccuracies on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened a credit card account in my name without my permission. I canceled the account ; now I have a notice that there is unusual activity on my account. Wells Fargo is known for doing this. I will probably get billed, for an account I never asked for.

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 2025-07-19 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Arbitration Agreement, Reporting Authorization, and Collection Validation under Federal Law To Whom It May Concern, I am writing to formally dispute and request validation of the above-referenced account currently being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verifiable proof of the following : A signed arbitration agreement or terms of service that clearly shows my explicit consent to arbitration as it pertains to this account. 

Documentation or signed agreement showing I granted permission to report this account to the consumer credit reporting agencies. 

A full itemized breakdown and validation of any amounts being claimed, especially if reported as delinquent, charged-off, or in collections. 

Please also note : Under 15 U.S. Code 1692g, I am entitled to request full verification of any alleged debt, including the name of the original creditor, itemized billing, and a copy of any contract bearing my wet signature if available. If such documentation can not be provided, the account must be immediately deleted from all credit reporting agencies. 

If this account is being reported inaccurately or without verified legal standing, I demand that it be corrected or removed immediately. Updating old debt, or re-aging an account without proper validation, is considered a violation of the FCRA and can be reported to the Consumer Financial Protection Bureau ( CFPB ). 

Please respond to this request within 30 days of receipt to remain in compliance with federal law. If you are unable to furnish the requested documentation, I respectfully demand deletion of this account from my credit report and a written confirmation of its removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, I am disputing an unauthorized transaction on my Cash App account. The payment was made without my knowledge or consent, and I believe my account was accessed fraudulently. 

This unauthorized access and transfer constitute a violation of : XXXX XXXX XXXX XXXX  ( c ) unlawful access and use of a computer system or network XXXX XXXX XXXX XXXXXXXX ( a ) identity theft and use of personal information to commit fraud Federal Law : 18 U.S. Code 1029 & 1030 fraudulent access and use of electronic funds transfer systems I am requesting an immediate refund and formal investigation. Ive changed my password and taken steps to secure my account. Please assist in reversing the charge and protecting my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a series of text messages regarding suspected fraudulent activity on my Capital One debit card for an internet purchase. I called Capital One, as instructed, and was told my debit card would be suspended due to the fraud. I asked questions and made statements as to the action that the company was taking on a physical card that they admitted was not used for the fraudulent charges in question. ( Please see the attached PDF ). I was told by XXXX that they had to cancel/ suspend my physical card ( ergo no access to ATMs over the weekend ) due to internet fraud and not fraudulent use of the physical card in my possession. I was upset and was told upon request that I would receive the transcript after she talked to ger supervisor. Interestingly, I received an email in which Capital One stated that my physical card had gone missing. This was not true, and I attempted to respond to the email in which that statement appeared. ( Please see the attached PDF ). The email was returned as " undeliverable ''. 

This perceived lack of honesty upset me accompanied by the hoops that needs to be jumped through to proceed to get access to my money in a few business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank business account has been charging me {$10.00} a month for the last XXXX years. When I signed up for the business account, the person at the branch told me that I would not be charged if I maintained {$100.00} in the account at all times, and I have always maintained more than {$500.00}. I didnt notice they were charging me until a week ago. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
This company is a third-party debt collector, committing fraud by using my personal identifying information without authority, in order to again an unjust enrichment. They have failed to provide a verified proof of claim, pursuant to federal law. They've failed to delete any and all information concerning this alleged account pursuant to 15 USC 1681, in spite of my request from them to provide validation. They continue to report fraudulent information on my consumer report, without having first provided proof of any contract, which has caused me reputation damage and has hurt my ability to obtain consumer credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed a dispute letter to Credit Bureau. and they sent the letter back immediately saying all accounts was verified. they never sent proof of verification or how they verified this information. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and the use of Consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a Consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and I demand them to deleted immediately The Credit Bureau is in violation of these laws 15 USC 1681i ( 7 ) 15 USC1681e ( b ) 15 USC1681i ( 5 ) 15 USC1681a ( 2 ) ( B ) 15 USC 1681b

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 2025-07-19 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: NJ

Complaint narrative:
I mailed a dispute letter to Credit Bureau. and they sent the letter back immediately saying all accounts was verified. they never sent proof of verification or how they verified this information. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and the use of Consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a Consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and I demand them to deleted immediately The Credit Bureau is in violation of these laws 15 USC 1681i ( 7 ) 15 USC1681e ( b ) 15 USC1681i ( 5 ) 15 USC1681a ( 2 ) ( B ) 15 USC 1681b

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 2025-07-19 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: MD

Complaint narrative:
I am writing to formally dispute the payment history being reported on my XXXX XXXX credit card account, which appears to be inaccurately affecting my credit report and overall creditworthiness. 

Account Details : Creditor : XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Credit Limit : {$300.00} Reported Balance : {$0.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Current Payment Status : Current Amount Past Due : {$0.00} According to the payment history displayed, only 4550 % of my payments are marked as " on time, '' with several months marked as " late '' or " unknown, '' despite the account now showing as current and no balance due. Based on my records and the reported XXXX balance, I believe some of these late markings may be in error, particularly for recent months where the account appears to be in good standing. 

Here are the specific concerns : Inconsistent Reporting : The same account shows different on-time payment percentages ( XXXX XXXX XXXX XXXX % ) depending on the screen. 
XXXX, XXXX, and XX/XX/XXXX show positive payment activity, yet earlier months are marked late, which contradicts the current status. 

Potential Misreporting : There is no indication that a payment is currently overdue, yet late marks remain on the report. 
My reported balance is {$0.00}, which suggests the account is being paid regularly or has been settled.

Company response to consumer: Closed with non-monetary relief