vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
I made a {$1500.00} purchase using my Square Card ( issued by XXXX XXXX  ) on XX/XX/year>, for furniture from XXXXXXXX XXXX XXXX XXXX. The items were never delivered. 

I submitted a dispute through Square and provided all required documentation, including the signed invoice, proof of non-delivery, and multiple follow-ups. Square acknowledged my dispute was initiated and confirmed receipt of my documents.

Despite that, Square failed to issue a provisional credit, failed to provide timely updates, and eventually closed my case ( # XXXX ) claiming they had not heard from me, while I was actively communicating with multiple Square agents by email. They are now deflecting responsibility and referring me in circles.

This has caused financial harm and emotional stress. I am requesting that Square or the issuing bank provide a refund or provisional credit and process my dispute appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is inaccurately reporting a collection accounts on my credit reports, and Experian, Equifax, and/or TransUnion have failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

1. Inaccurate Account Reporting by LVNV Funding LLC LVNV Funding is reporting a collection account that I do not recognize and do not believe is valid. When I disputed this account with the credit bureaus, I requested verification of : The original creditor The date of first delinquency Proof of ownership/assignment of the alleged debt Any contract or documentation with my signature A complete payment and account history LVNV Funding has not provided any legally required validation, yet they continue to report the account, damaging my credit.

2. Credit Bureaus Failed to Conduct a Proper Investigation After I disputed this account, the credit bureaus returned the results as verified, but did not actually verify the accuracy or completeness of the information.

Their investigation appears to have consisted only of using an automated system such as e-Oscar, without reviewing any actual documentation.

I submitted a Method of Verification ( MOV ) request, as allowed under the FCRA, asking the bureaus to explain : How they verified the LVNV account Who they contacted What documents were reviewed Whether original documentation from the creditor was obtained The bureaus did not provide this information, nor did they perform a reasonable reinvestigation as required by law.

3. FCRA Violations I believe LVNV Funding and the credit bureaus are violating the following provisions : FCRA 1681s-2 ( a ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes referred by credit bureaus.

FCRA 1681i : Credit bureaus must conduct a reasonable reinvestigation and provide method of verification.

FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

These violations are causing ongoing harm to my credit score and my ability to obtain credit.

4. Requested Action from the CFPB I request the CFPBs assistance in requiring : LVNV Funding to provide complete and proper validation of the alleged debts or immediately delete the account.

Credit bureaus to conduct a lawful, reasonable reinvestigation and provide the full Method of Verification.

Removal of the LVNV Funding account if it can not be fully validated, documented, and proven accurate.

5. Supporting Documents I am willing to upload disputes, responses, and screenshots of the inaccurate report entries to assist with your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-12-02 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:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: MA

Complaint narrative:
This is not my debt Ive been dealing with my identity being stolen as of late.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Check amount : {$1100.00} Bank : Wells Fargo Account type : Personal checking account Detailed Description of the Issue : On XX/XX/XXXX, I deposited my paycheck for {$1100.00} into my Wells Fargo account. Because I believed the deposit had not gone through, I mistakenly deposited the same check again at another bank. 

The issue is the following : On XX/XX/XXXX, Wells Fargo withdrew the amount of the check from my account, putting my account into a negative balance. 
On XX/XX/XXXX, Wells Fargo withdrew the same amount again for a second time. 
Neither bank credited the funds to my account, even though this money is my legitimate paycheck. 

As a result of these duplicate withdrawals, my account ended up with a negative balance of {$1700.00}, which was caused entirely by the banks errorsnot mine. 

Additionally, when I received my second paycheck, Wells Fargo automatically applied that deposit toward the negative balance they created. This means I also lost my second paycheck because the bank used it to cover an overdraft that was caused by their own mistake. 

At this point, I have gone over a month without receiving either of my paychecks, and my account continues to be affected by these errors. 

I have tried multiple times to resolve this issue directly with Wells Fargo : I have called customer service many times. 
My calls have been disconnected several times. 
I have three open cases, none of which have been resolved. 
I visited the branch in person, but they refused to assist or review my case. 

I have not received any formal explanation or solution from the bank. 



What I am requesting through the CFPB : 1. An immediate investigation into the duplicate withdrawal of the {$1100.00} check. 
2. That my missing paychecks be fully credited back to me, as these are my earned wages. 
3. That the negative balance of {$1700.00} be corrected and removed, since it was caused by the banks errors. 
4. That Wells Fargo return the funds from my second paycheck, which they took to cover an overdraft they themselves created. 
5. A formal written explanation from Wells Fargo regarding what happened and how the issue will be resolved. 

This situation has seriously affected my financial stability, and after more than 40 days of trying to resolve it with the bank, I have received no assistance.

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 2025-12-02 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-02 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: TN

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting a formal dispute regarding the accuracy of an account reported by Bridgecrest. I am a victim of predatory lending, and the loan terms associated with this account were unfair and not clearly or properly disclosed. As a result, the information being reported on my credit file is inaccurate and misleading.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to consumer reporting agencies must be fair, accurate, and verified. Additionally, under FCRA Sections XXXX, credit bureaus and furnishers may be held liable for reporting false, inaccurate, or unverifiable information. 

I am requesting an immediate reinvestigation of this account. If Bridgecrest can not provide complete and original documentation that fully verifies the accuracy and legitimacy of this account, I am requesting its prompt deletion from my credit report. 

Please provide written confirmation of the results of your reinvestigation. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-12-02 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All negative items are inaccurate. Can you please send over information on how you are reporting past due to collections on credit bureaus. If not please remove immediately.

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 2025-12-02 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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

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 2025-12-02 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 submitted two disputes through Experian. First dispute was to update the XXXX XXXX XXXX account status to Paid in Full in the amount of XXXX on XX/XX/year> after being charged off to a collection agency called XXXX XXXX XXXX. 

Secondly, I requested to update the account status for XXXX XXXX XXXX as Paid in settlement on XX/XX/year> in the amount of {$1000.00}, after being charged off to a collections agency called XXXX XXXX XXXX. 

When I submitted both debt settlement letters to Experian as proof, they failed to update the account status on both accounts, even after their investigations. 

I asked XXXX XXXX to contact the credit bureaus, but they stated they do not report any information to the credit bureaus. 

Experian customer service is very unhelpful in this matter. Please resolve this issue so that these two account statuses appears as paid in full and paid in settlement on my credit reports. 

Thank 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 2025-12-02 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation