vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy XXXX XXXX XXXX of Georgia that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute the presence of fraudulent accounts that have been reported on my credit file. These accounts do not belong to me, were never authorized by me, and represent a clear error in reporting. The inclusion of such inaccurate information has caused undue harm to my financial standing, misrepresenting my credibility and creating a false impression of my responsibilities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I took out a loan of {$1000.00} XXXX in XX/XX/XXXX out of shear desperation to help my single daughter with mu XXXX grand children to help give them a XXXX. .I feel that I was taken advantage of because I was clearly desperate at the time. The lady told me that the only way that she could help me is if I allowed them access to my bank account, which I allowed, but told them that I would prefer to pay in person and she agreed. She assured me that I could have this paid off in XXXX months! She told me that they would not take anything out of account unless I did not pay I asked what my monthly payments would be and was told that she could not tell me that at this time,, but would call me at a later date and let me know., but assured me that it would not exceed {$140.00}. After about a week of not hearing from anyone, I called the store and was again told that she did not know, Another week went by and I received a statement. for {$330.00} and was told that was because of my payment schedule. Since that time my payments have been different every payment. The last time that I inquired about my balance ( XX/XX/XXXX ) it was a little over {$800.00}. I do not understand how I my balance is still that high when I took this loan out almost XXXX year ago! Meanwhile, they have taken the payment out of my account on XXXX occasions without my permission and with a promise from the XXXX that they have it noted on my account not to do so. The first time fortunately, I had the funds in my account, even though they had promised not to do this, the second time, however, going by our agreement I went to the store to make my payment and they had already attempted to retrieve it from my account.. The money was not there, of course, because it was not supposed to be. They apologized, but tole me that it was still my responsibility, I have not paid as of today because I am so torn and upset with this agency. I feel that they have dealt with me dishonestly and took advantage of my desperate situation at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, my XXXX account was reported late ( XXXX, XXXX, and 90 days ). The original late payment occurred when XXXX switched platforms, and my account, previously set to autopay, was no longer set up for automatic payments after the transition. I was unaware of this change until the missed payment was reported. 

During this same period, I also experienced financial hardship, which I immediately communicated to the lender. They acknowledged my situation and placed me in a hardship program. Despite that, the account continued to show late payments. 

Since then, I have paid the account in full, and it is now closed with a XXXX balance. I have consistently made on-time payments on my other accounts. I have also sent multiple goodwill requests and disputes explaining these circumstances, but the late payments remain. 

I respectfully ask that the late payment history be reconsidered for removal, as the initial delinquency was caused by XXXX system change, I was enrolled in a hardship program, and the account has been fully satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate collection account that appears on my credit report and to request your assistance in investigating and resolving this matter.

The account in question is listed by : Creditor/Collection Agency Name : Midland Credit Management Inc Reported Amount Owed : {$860.00} This amount is incorrect. I believe this is either a case of mistaken balance calculation, misapplied payments, or entirely erroneous reporting. I have contacted the collection agency regarding this discrepancy but have not received a resolution. I am now requesting the CFPBs assistance in investigating this matter and ensuring that any inaccurate or unverifiable information is removed or corrected on my credit report. 

This inaccurate reporting is negatively affecting my credit profile and causing undue hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete, and I request a thorough investigation into this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS 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 2025-09-15 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: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Date : XX/XX/year> To : Customer Service Department XXXX XXXX XXXX XXXX : Request for Assistance in Recovering Funds XXXX XXXX XXXX Dear Sir or Madam , My name is XXXX XXXX XXXX I am XXXX XXXX XXXX, retired for 4 years, and I have been a loyal customer oXXXX XXXX XXXX  XXXX for 33 years. In all that time I have never before needed to ask the bank to protect my rights. 

On XX/XX/year>, while paying a bill through XXXX  using my XXXX XXXX XXXX account, I mistakenly entered the wrong recipient phone number due to my poor eyesight. The intended number was XXXX, but the payment was instead sent to XXXX. The amount was {$220.00}, which is a significant amount for me as a retiree. 

Within minutes of realizing the error, I called XXXX  XXXX XXXX to request an immediate cancellation or reversal of the payment. I was informed that the funds had already been sent to a XXXX XXXX account and that XXXX  XXXX XXXX could not reverse it. I also contacted the unintended recipient by phone and text message and used Zelles Request for XXXX option, but have received no response. 

As a XXXX XXXX XXXX XXXXXXXX customer for 33 years, I am asking you to please assist me in recovering these funds or, at the very least, to escalate this matter to the appropriate department or to XXXX XXXX on my behalf. 

This situation has caused me a great deal of distress, and I hope that XXXX XXXX XXXXXXXX will stand by me in helping to recover the {$220.00} that was sent in error. 

Thank you for your time and attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ph. XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored ; these inquiries remain. This inaction is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This correspondence serves as my formal dispute regarding the fraudulent accounts currently listed on my credit report. I did not authorize these accounts, and they do not belong to me. Their reporting is entirely inaccurate, misleading, and a violation of my right to fair and accurate credit reporting. The presence of these accounts has caused me unnecessary harm by damaging my credit profile and creating an inaccurate representation of my financial reliability. I am not responsible for these accounts, and their reporting can not be justified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2025 at approx XXXX I received a call saying that my husband was in the XXXX XXXX XXXX and it would cost me {$1200.00} to get him out. I had no knowledge of the process getting someone out of jail because this was my first time going through something like this. The person said that they a XXXX  at the jail and I needed to send the money two separate ways to process the payment and get him released. I sent the money thinking that I was doing everything right to get him out. When I paid the {$1200.00} the person asked for more money then that's when I thought that it was a scam because the amount increased. When my husband finally called me to tell me he had been arrested and he hadn't gotten the bond amount yet that's when it was confirmed that I had been scammed. I called my bank immediately and the result was a denial because the bank said that I sent it from my account so I must've known the person although I told them that I didn't so now I'm still trying to play catch up with my bills because the {$1200.00} was just about my entire paycheck. 

Please Help I have screenshots of the XXXX  XXXX  and XXXX  transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Re : FCRA/Reg V Dispute XXXX XXXX XXXX  XXXX Acct XXXX XXXX Inconsistent dates ; incomplete XXXX XXXX fields Your file shows, verbatim : Payment Status : Current, was past due 30 days Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX. 
Date Last Active can not predate a XX/XX/XXXX payment. This is facially inconsistent and fails maximum possible accuracy. 
All late months disputed : I dispute every non-OK month displayed in the XXXX grid for this tradeline ( i.e., each XXXX month, if any ). Each month is a separate dispute. 
Demand ( codes are not proof ) : Produce monthly statements/ledger for each disputed month ( due date, receipt date, posting date ). Codes are not evidence. 
Law : FCRA 607 ( b ) ; FCRA 611 ( 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) ; Reg V 1022.42 ; Cushman ( independent reinvestigation ). 
XXXX XXXX corrections required : Base Segment Date of Last Payment must match the ledger ; Base Segment Date of Account Information and any displayed Date Last Active must not contradict the Date of Last Payment ; Ensure Terms/Scheduled Payment and Status Effective Date are internally consistent ; Apply XB during reinvestigation. 
Remedy : If you can not verify to ledger standard, delete the inaccurate data or delete the tradeline under 1681i ( a ) ( 5 ) ( A ). Expect CFPB/FTC/AG complaints and litigation under 616617 if you do not comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had money stolen from my XXXX account over several days in XXXX, and apparently in XXXX as well. I did not notice the few XXXX withdrawals because they were the same amounts ( ~ {$100.00} ) that I typically send to friends in XXXX or XXXX XXXX XXXX I sent the XXXX XXXX withdrawals to Xoom.com with my rebuttal.to these charges. I have been using this service since XXXX. They did not look back before XXXX to see that the XXXX address I have been using since XXXX is not the address in XXXX and XXXX, used by the thief. This is their response for all XXXX challenges to the fraudulent withdrawals Dear XXXX XXXX, Thank you for your patience during the processing of your claim. We have concluded our investigation and have determined this was an authorized transaction based on XXXX or all the listed reasons below. As a result, your claim has been denied. 
The IP address used for this transaction has been consistent since XX/XX/XXXX through XX/XX/XXXX If you feel that you have been a victim of fraud or identity theft, we strongly encourage you to file a report with your local Police Department or other XXXX XXXX agency.

Company response to consumer: Closed with explanation