vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
Date : XX/XX/XXXX Experian Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FINAL WARNING Demand for Removal of Unauthorized Hard Inquiries/ Legal Noncompliance To Whom It May Concern, This letter serves as my final formal demand for the removal of multiple unauthorized hard inquiries from my Experian credit report. These inquiries were made without my consent or any verifiable permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 604. 

You have failed to take timely action. By law, the FCRA requires that Experian complete an investigation and provide results within 30 days of receiving a consumer dispute not 60 days. The continued delay reflects a stall tactic, not a legitimate investigative process, and constitutes a direct violation of federal consumer protection laws. 

Furthermore, I am being actively blocked from submitting disputes via your online system, further impeding my ability to exercise my legal rights. This raises serious legal and ethical concerns about Experians business practices. 

The following hard inquiries were not authorized and must be removed immediately 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 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 I am represented by legal counsel. If these unauthorized inquiries are not removed and written confirmation provided to me within 7 business days, I will proceed with the following : 1. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

2. Instruct my attorney to initiate legal action for noncompliance, willful negligence, and obstruction of consumer rights under the FCRA. 

This is your final warning. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
I defaulted on a loan with Bankers Healthcare Group ( BHG ), which assigned the debt to a collection agency, XXXX. Around XX/XX/year>, a lien was placed on my XXXX bank account. Given BHGs prior garnishment efforts, I assumed the lien was from them. 

I called XXXX and spoke with XXXX, who stated the lien could be lifted if I submitted a proposal for repayment. I asked directly what was required to remove the lien, and she repeated that a satisfactory proposal would be sent to outside counsel for review. I submitted the proposal and the lien was lifted shortly after. 

However, when I called the XXXX Liens & Levies Department to verify, I learned that the lien was from the Arizona Department of Revenue, not BHG or XXXX. XXXX either knew or should have known this. Her statements misrepresented the origin of the lien, which I believe was a deceptive practice under the FDCPA. 

I have a recording of the call and I am requesting an investigation into this deceptive conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Equifax continues to allow XXXX XXXX  to report a fraudulent account to my credit file. I have filed a lawsuit against XXXX XXXX  for deceptive violations of my consumer rights and related protection laws, failure to supply requested account information, failure to notify me within 5 days of re-insertion, knowing, willing, and unlawfully deceptive reporting tactics to bypass re-insertion protocols used by credit reporting agencies. 
Equifax also fails to notify me within five days of illegal re-insertions. Allows XXXX XXXX  to use variations of their name, account numbers, and account statues to circumvent credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} INQUIRIES : DEPT OF ED Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Every time I contacted these people my balance jumped a {$100.00} or more each month. I understand inerested but that much a month. No one can pay that. Can you work a deal with a smaller amount for me. I want to take care of my obligations but I am not going to be robbed. I am XXXX. There is also one for XXXX XXXX. My balance was about a {$120.00} or less and now it is over {$400.00}. Please help me to get my report straightened out. There is also a XXXX bill that is incorrect. I am finding things on my credit report that arent mine. It is the correct address but not me. I have been with XXXX for years. I shouldnt have to deal with all these dishonest blood sucking people and my credit suffer. Please work on this matter for me. No one should be able to just ur whatever on your credit report. A year ago I had an over XXXX score and I have deputed them with no luck. I will gladly pay what I own. Thanks. 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 2025-07-21 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I have been pulling " Extra Cash '' loans from Dave since the beginning of the year. Usually every month or every other. In various amounts from {$50.00} TO {$300.00}. In XXXX I did a Extra Cash for {$230.00}, which was paid back and then I did my next one in XXXX, another in XXXX, XXXX and XXXX. Then after they deposited my advance they took out a few days later from my Dave account stating that they had recently had a third party come in and review their accounts and that my XXXX payback was returned and so they took the money from my advance I had just gotten {$230.00} but that I still owed for the advance I had just done in XXXX. I emailed immediately the company asking for proof they told me to contact my bank which I did and there was not return in XXXX or anytime to Dave and I could see when the withdrawal was done back in XXXX. Then I forwarded this information to the chat box who connected me to a real person supposedly. Then when explaining and asking for proof I was simply cut off not just once but multiple times I then was able to attain an email and once I asked for proof they would not respond. I told they do not have permission to access my account until there is proof given and they still proceeded to take even further funds from my account on XX/XX/XXXX the took an additional {$350.00}. i am beyond furious. I am a widow learning to stand on my own 2 feet and the disrespect and just ignoring me and straight stealing from me something must be done. Please help they cant just ignore me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Placed on hold repeatedly and transferred across fraud departments then back to their main line. I never once banked with CitiBank and have been trying to close these fraudulent accounts from the credit leak from XXXX in 2024. Even though I put a freeze on my credit through XXXX  etc. Someone stole my social security number and opened two accounts, one in my prior address and now that I moved in two weeks they managed to opened a new one in this address which scares me as I only used my social to create an electricity account so are they seeing anything I am using my social for? I have made a report on XXXX and am following the action items as my credit score dropped significantly from XXXX range to now XXXX and I can't believe I have to work this hard to verify and close a fraudulent account with a bank I have never stepped foot in. They seem to be not dealing with this at all even though they claim to have specific fraud department.

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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
After the Judge went on my favor, the mortgage company discriminate and retaliate in a wicked way. denied all offer and fay services the mortgage company want me wrong instead of blame themselves for the payment error...... 
Previous complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: DISCOVER BANK
State: TX

Complaint narrative:
To : Discover Card / Credit Reporting Department RE : Formal Demand for Deletion Account Ending in XXXX To Whom It May Concern, This letter serves as my formal dispute and demand for the immediate deletion of the Discover Card tradeline ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) from all consumer reporting agencies. This account is being reported in a manner that is contradictory, materially misleading, and in violation of federal and state laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Texas Finance Code 392.304.

The following issues are present and actionable : - The account shows a balance of {$2300.00} while simultaneously being reported as a charge-off. 
- XXXX  and XXXX  report the account as 'charged off as bad debt ' and simultaneously list it as still delinquent with an unpaid balance. 
- XXXX  shows a {$0.00} credit limit and ongoing derogatory reporting despite the account last reporting activity in 2023 and no recent balance updates. 
- The account is listed as 'Dispute resolved ' in one bureau and 'charged off ' in another this inconsistency misrepresents the current status of the debt. 

In accordance with FCRA 1681i ( a ), I have requested reinvestigation of this account and its reporting errors. Despite my disputes, the inaccurate and inconsistent data remains unchanged, which constitutes a failure to conduct a proper reinvestigation. Under FCRA 1681s-2 ( b ), furnishers must correct or delete inaccurate, incomplete, or unverifiable information after receiving notice of a dispute. 

Additionally, misrepresenting the legal status of a debt violates FDCPA 1692e and Texas Finance Code 392.304 ( a ) ( 8 ). As this account was either settled or legally uncollectible, continued derogatory reporting in its current form is materially inaccurate and must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am XXXX XXXX XXXX and a customer with Wells Fargo. In XX/XX/year>, I reported that I had lost my debit card and that someone had made unauthorized transactions with it. I called Wells Fargo, and they sent me a new card, but I was never given a claim number or any written confirmation. 

After following up multiple times and waiting over a month, I was told that my claim was marked false without any written explanation or opportunity to respond. I have not received any letter, email, or update about the outcome of the investigation. When I try to speak with Wells Fargo representatives, they tell me theres nothing they can do and that I need to deposit money to bring my account back to zeroeven though I didnt make the charges.

Im a minor with no current income and this is very stressful and unfair. I did the right thing by reporting the fraud, and I deserve a real investigation and a clear response. Wells Fargo has not taken this situation seriously at all. 

I want a proper investigation and a reversal of the unauthorized charges.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting inaccurate information on my credit report. They are listing an account with an open date of XX/XX/XXXX, but recently updated the status as open and placed for collection in XX/XX/XXXX, which appears to be a form of re-aging the account a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I dispute this debt and have requested full validation. I believe this account should no longer be reporting as open, nor should the collection status be recent if the account is from XXXX. This is misleading and damaging to my credit standing. 

I am requesting that the CFPB investigates and that this account be removed or corrected to reflect accurate dates and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I settled the debt with Halsted back in XX/XX/year> per the attached documents. They are now trying to collect yet again on the same debt that was already settled. They even deleted their tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

Company response to consumer: Closed with explanation