vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was contacted by Midland Credit Management regarding an alleged credit card debt that originated prior to my divorce in XXXX  and is associated with my former married name. 

The alleged account is time-barred under Virginia law , which has a XXXX statute of limitations for written contracts. No payment or activity has occurred within that time frame. 

Despite this, the collector threatened bank garnishment prior to any court judgment, stating they would seize funds before court and then represent the debt as paid afterward. This is false and misleading. 

The collector referenced a garnishment summons to intimidate payment, despite lacking a valid or current judgment against me. No such judgment exists within the statute of limitations. 

The account appears on my credit report with a misleading opened date that reflects the date the debt was assigned to a collector rather than the date of last activity. Additionally, Midland Credit Management is incorrectly listed as the original creditor, despite being a debt buyer. 

I dispute this debt in its entirety and believe Midland Credit Management has violated the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting legal authority, threatening illegal action, and attempting to collect a time-barred debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed multiple times. Applications were submitted in my name, and several companies pulled my credit report without my consent or authorization. I do not recognize any of these inquiries, nor did I apply for credit with these entities. This conduct is a clear violation of my rights as a consumer and is deeply insulting to me as a law-abiding individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a mobile deposit via my Wells Fargo business checking account, however the check was NOT addressed to my company, it was sent to me an error, and I only realized immediately after I made the deposit for {$1900.00} on XX/XX/XXXX. I immediately called the Wells Fargo and reported my error so that the deposit would not go through. The deposit went through and I have since called them 6 times to report that the amount is still in my account. It has yet to be corrected. My case number with Wells Fargo is : XXXX. I'm hopeful this deposit can get immediately returned to the company it belongs to.

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 2025-12-16 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: CA

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 2025-12-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Company : Comenity Bank ( XXXX XXXX Credit Card ) Product : Credit Card ( Retail / Store Card XXXX XXXX ) Issue : Billing dispute / Interest charges/ Failure to provide statements Amount in dispute : Approximately {$1900.00} in retroactive interest I am filing a complaint regarding Comenity Banks handling of my XXXX XXXX credit card account and the assessment of approximately {$1900.00} in retroactive interest after a promotional financing period expired on XX/XX/year>. 

My account was enrolled in paperless statements. Comenity Banks disclosure states that monthly billing statements and account communications would be delivered electronically. Despite this, I never received any electronic billing statements, payment reminders, or promotional expiration notices by email or other electronic means.

As a result, I was not informed of the promotional payoff deadline or that failure to pay the balance in full would trigger retroactive interest. The only way to obtain this information would have been to proactively log in to the account, which contradicts the representation that statements and communications would be delivered electronically.

Charging retroactive interest without providing electronic billing statements or clear, timely promotional disclosures is unfair and inconsistent with consumer protection requirements.

I relied on Comenity Banks representation that statements and communications would be delivered electronically and did not receive such notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: ENCORE CAPITAL GROUP INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I was the victim of a Wells Fargo impersonation scam involving phone number spoofing. I received a call that appeared to come from Wells Fargo. The caller identified themselves as Wells Fargo fraud prevention and stated there was suspicious activity on my account. 

I was told that in order to verify and secure my account, I needed to send {$1000.00} through XXXX. I was explicitly told the funds would not be taken and were for verification purposes only. Based on this deception and the appearance that the call was legitimately from Wells Fargo, I followed the instructions. 

The funds were immediately transferred and taken by a scammer. 

I did not authorize this transaction with the intent to send money to another person. My consent was obtained through deception, impersonation, and phone number spoofing by criminals posing as Wells Fargo. This was not a legitimate payment or transfer. 

Why this is fraud : Under Regulation E, this qualifies as an unauthorized electronic funds transfer because authorization obtained through deception does not constitute valid consumer consent.

Wells Fargos response : I reported the fraud promptly to Wells Fargo. Despite clear indicators of impersonation fraud, Wells Fargo denied reimbursement by classifying the transaction as authorized. This determination fails to account for the deceptive circumstances and my reasonable reliance on what appeared to be official Wells Fargo communication.

Resolution requested I am requesting : 1. Full reimbursement of the {$1000.00} 2. A supervisory review and reconsideration of my fraud claim 3. A written explanation detailing how Wells Fargo determined this transfer was authorized despite impersonation and deception 4. Confirmation that this claim has been reviewed under Regulation E consumer protections Supporting documentation I have already filed : A police report An FTC fraud report I can provide : XXXX transaction confirmation Call logs showing the spoofed Wells Fargo number Copies of the police and FTC reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am a victim of XXXX XXXX and all my information should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/year>, The company PRA Receivables Management has said they would redeem the original agreement. But are still trying to charge me more money than the original agreement. Which was a {$1000.00}. They want to charge me {$1600.00} for repoing the truck. The company already knew they could have come and got the truck without repossessing the truck since I surrender it. Before I surrender the truck PRA made the agreement with me for the {$1000.00}. Which PRA is the one who back out of the binding contract. And then they decided to come repossessed the truck when they should have by law stuck to the original binding contract. The only reason PRA is trying to get more money for the truck, is because they have the truck now. When I had the truck the {$1000.00} was accepted, by PRA. I feel like I shouldn't have to be made to pay more than what was agreed to in the original agreement. When I called to talk to them about it, I got one person with the company telling me to go by the old contract that was agreed upon. Which was for me to send XXXX dollars and I could get my truck and title back. But I have another person with the company telling me to send {$1600.00} dollars to get my truck and title back. Now I can't get PRA to send me anything to prove they will release the truck and title when I send the payment. They told me they would email it to me but as of XX/XX/year> I still have not received any email from PRA. And was told I had until the XXXX of XX/XX/year> to send them the money. Now since I have not got anything saying PRA will release the truck and title to me other than a verbal agreement. I will not have the money to them by the XXXX of XX/XX/year>. And the last person I talk to said he would have the manager call me back to talk to me about the email that was supposed to be sent to me and to discuss if it would be alright to make a couple of months payment to pay for the truck and title to be released back to me. I want to get my truck back I just need PRA to stand behind the original agreement that was agreed upon. I do have recorded conversation on every phone call with PRA. Which they were aware of the recording because they were recording the conversation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: IL

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