vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-18 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/year> Balance {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate information. XXXXXXXX XXXX is reporting the same account under the name of XXXX XXXX XXXX XXXX XXXX knowing the XXXX XXXX XXXX XXXX, under the same account number : XXXXXXXX XXXX XXXX XXXX XXXX  knowing XXXX XXXX XXXX XXXX has beeninactive since XX/XX/year> according to the XXXX XXXX oXXXX XXXX XXXX XXXX XXXX. It is also reporting under Equifax under accountnumber XXXX XXXXXXXX. It is also reporting under Experian with account number : XXXX.... The Fair Credit Reporting Act ( FCRA ) obligatescredit reporting agencies ( CRAs ) and the companies that provide them with information ( furnishers ) to ensure the accuracy ofconsumer data. Specifi cally, Section 607 of the FCRA requires CRAs to use " reasonable procedures '' to ensure information isaccurate, and Section 611 mandates a reinvestigation process when a consumer disputes the accuracy of information in their fi le. TheFCRA also includes obligations for furnishers under Section 623 to not report inaccurate information and to investigate disputes. 

The authority for a credit reporting agency ( CRA ) to remove inaccurate information comes from the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. These sections require CRAs to investigate consumer disputes and correct or delete any information they determine to be inaccurate, incomplete, or unverifiable, regardless of the furnisher 's opinion.

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 2025-11-18 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: FL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Dear XXXX XXXX at Equifax, XXXX, XXXX XXXX, am formally lodging a dispute and a petition for review concerning certain entries that currently appear on my credit profile. 
I have become a casualty of the Equifax data security breach, an event which compromised the private and sensitive information of thousands of individuals. 
It is important to note that I was unable to file a report with the FTC, as their electronic system is presently non-operational. Due to this circumstance, I am enclosing an affidavit that itemizes the accounts and inquiries that I do not recognize. 
Accounts Required for Deletion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For all the preceding reasons, I officially demand the immediate and permanent removal of all fraudulent records and associated inquiries, in accordance with my entitlements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ). 
I respectfully urge that this communication be given the due consideration it warrants and that all applicable legal protocols and safeguards be implemented to block and expunge any unauthorized or inaccurate data from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$1800.00} Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Deposit Date opened XX/XX/XXXX Balance {$1000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$1300.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$470.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the collection account reported for a debt allegedly owed to XXXX XXXX XXXX  because this account is over XXXX years old and should no longer be reported in a manner that negatively impacts my credit. The information being reported is outdated and does not accurately reflect my current financial standing. Additionally, the collection agency has not provided verified, up-to-date documentation proving the accuracy, validity, or ownership of this debt. Under the Fair Credit Reporting Act, all information on my credit report must be accurate, complete, and current, and any unverifiable or outdated collection account must be removed.

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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am disputing the collection account reported for a debt allegedly owed to XXXX XXXX XXXX because this account is over XXXX years old and should no longer be reported in a manner that negatively impacts my credit. The information being reported is outdated and does not accurately reflect my current financial standing. Additionally, the collection agency has not provided verified, up-to-date documentation proving the accuracy, validity, or ownership of this debt. Under the Fair Credit Reporting Act, all information on my credit report must be accurate, complete, and current, and any unverifiable or outdated collection account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 
The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 
I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
I have a few Items on all XXXX credit reports that are over the XX/XX/XXXX year allowable age on credit reports. The history has not been removed for them on all XXXX credit bureaus, there are XXXX accounts that need to be removed due to the age on credit report. 
XXXX. XX/XX/XXXXAcct XX/XX/XXXXXXXX XXXX. XXXX XXXX AcctXX/XX/XXXXXXXX XXXX. XXXXXX/XX/XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX AcctXX/XX/XXXXXXXX or XXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX.XX/XX/XXXX ( this is not my account ) and have reported it AcctXX/XX/XXXXXXXX XXXX. XXXX XXXX ACCT XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX AcctXX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX. XX/XX/XXXX acct XX/XX/XXXXXXXX XXXX XXXX XXXX AcctXX/XX/XXXX XXXX These are over XXXX XXXX XXXX or more

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 2025-11-18 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:
I am extremely XXXX  to see that these inaccurate accounts are still appearing on my credit report, and they were not taken off even after everything I provided. I am begging that the documents I attached be checked carefully so I can finally stop living in fear over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victim of fraud/scam. I received a text message about unauthorized charges on my account and to respond with XX/XX/XXXX ( yes ) or XXXX ( no ) if charges were recognized. I responded no. In response I received a XX/XX/XXXXtext stating that a Wells Fargo employee would reach out to me shortly. Almost immediately I received a call from a person posing as a Wells Fargo employee. This person got into my online account and changed my password. They transferred {$4800.00} from my savings to my checkings. I received a text message from Wells Fargo about the transfer to which I responded No that I did not authorize this transfer. By the time I realized this was a scam/fraud the thieves had already transferred the money via XXXX XX/XX/XXXX which is where my Wells Fargo debit card was linked to. When I responded No to the transfer of the money from savings to checkings, the transfer/money should have stayed in savings. Now Wells Fargo said they agree but when they went to transfer the money back into my savings the money was no longer in checkings. This is because the thieves had already stolen the money. I attempted to call XXXX XXXX customer service as well but they did nothing. I attempted to call bank where money was sent, they as well did nothing. The thieves/scammers knew how to outsmart the system and are XXXX step ahead and the financial institutions are leaving customers with no protection or securities.

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 2025-11-18 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-18 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: CA

Complaint narrative:
This is a follow-up complaint regarding inaccurate and unverifiable reporting by XXXX In XX/XX/XXXX, XXXX charged off my auto loan and reported the account as a repossession with a deficiency balance. In their prior CFPB response, XXXX admitted that the vehicle was never recovered or sold, meaning no Notice of Sale or deficiency calculation was ever issued, and no legally valid deficiency balance exists. 

XXXX also did not provide proof that any required XXXX notices were properly mailed or delivered, such as a Notice of Default, Right to Cure, or Notice of IntenXXXX to Sell. Providing internal copies of letters is not proof of mailing or statutory compliance. 

Despite reporting a charged-off repossession, on XX/XX/XXXX, I received a new credit application approval letter from XXXX requesting updated documents to finalize a vehicle purchase. This means XXXX still considers my application active and is inviting me to complete a new loan, which directly contradicts the companys claim that I owe a past-due deficiency from an alleged repossession. 

A lender can not simultaneously report a consumer as having an outstanding deficiency balance from a repossession while also requesting new documents to approve a fresh auto loan. This inconsistency shows that the information being reported is inaccurate, inconsistent, and not verifiable under the Fair Credit Reporting Act. 

Because no repossession sale occurred, no deficiency balance was established, and the company can not verify key aspects of the account, the reporting remains inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 Requested my items on my credit reported to be verified/ deleted, these items come back as Verified as Reported '', the reporting company has certified it is reporting accurately in less than 2 weeks that means the credit reporting agency Equifax/ & Experian are not practicing fair practicing and using an automation to review my credit 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 2025-11-18 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account XXXX in Dispute 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Called the credit card company, asked what I have been charged for service that I did not use or used the credit card at all. 
the card is sitting idle in my safe and I am being charged every month for the same service. 
Called the credit card company ( Surge ) and they told me that this your problem with the merchants not with them. 
It has been a hab it Surge Credit Crad copay, that they add bogus charges, and when I want to pay more than the minimum, they charge me extra fees.

I am trying to get out of debit, and p ; ay more than the minimum payment, but they dont want that.

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 2025-11-18 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: UT

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$700.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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