vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
To : Whom May It Concern I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation the completeness and accuracy of the list of accounts below and deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
To : Whom May It Concern I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation the completeness and accuracy of the list of accounts below and deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a line of credit through Wells Fargo that was used to buy a furnace system for my house in Ohio. I always pay more than the minimum payment and I am never late. 

My concern is that the XX/XX/year> interest charges were higher than the XX/XX/year> interest charges despite me paying down the principle balance. Call me crazy, but if I reduced the principle balance on my card, I expect the interest charges to go down as well.

I have been making the minimum payment PLUS I pay the prior months interest to reduce the principle and again, Im never late. My credit score is in the high XXXX - low XXXX, so there is no reason my credit score or payment history should affect my interest rate.

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 2025-09-03 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: PA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 am submitting this formal complaint regarding multiple inaccurate and unverifiable derogatory accounts being reported by the credit bureaus TransUnion, Experian, and Equifax. These accounts are causing significant harm to my credit profile and ability to obtain fair access to credit. 



XXXX Card Account # XXXX XXXX XXXX Account # XXXX / Account # XXXX XXXX Bank Account # XXXX XXXX XXXX XXXXBank Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX Account XXXX XXXX & # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX Basis of Complaint Inaccurate Balances & Reporting Dates : These accounts continue to update as if they are open and delinquent, despite being charged off. For example, XXXX, XXXX, and XXXX XXXX accounts report new last active dates in XXXX, which constitutes illegal re-aging of debt under the Fair Credit Reporting Act ( FCRA ). 

Conflicting Information Between Bureaus : Each bureau is reporting different balances, credit limits, and statuses for the same accounts, proving the data is inconsistent and unreliable. 

Failure to Verify : I have previously disputed these items with the bureaus, but they remain with no documented proof of validity. Without original signed contracts and complete account statements from the creditors, these accounts can not be considered verified. 

Extended Negative Reporting : Charge-offs and collections are being reported beyond the allowable timeframe by re-aging, keeping derogatory marks on my credit longer than the XXXX limit permitted by the FCRA. 

Requested Resolution I am requesting that the CFPB investigate these reporting violations and compel TransUnion, Experian, and Equifax to : Immediately delete the above-listed accounts from my credit file, Since these accounts are not being reported accurately, consistently, or verifiably, I respectfully request their permanent removal from my credit reports. 

I have enclosed/attached supporting documentation, including copies of my credit reports and account details, to assist with your investigation.

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 2025-09-04 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 am submitting this formal complaint regarding multiple inaccurate and unverifiable derogatory accounts being reported by the credit bureaus TransUnion, Experian, and Equifax. These accounts are causing significant harm to my credit profile and ability to obtain fair access to credit. 



XXXX Card Account # XXXX XXXX XXXX Account # XXXX / Account # XXXX XXXX Bank Account # XXXX XXXX XXXX XXXXBank Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX Account XXXX XXXX & # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX Basis of Complaint Inaccurate Balances & Reporting Dates : These accounts continue to update as if they are open and delinquent, despite being charged off. For example, XXXX, XXXX, and XXXX XXXX accounts report new last active dates in XXXX, which constitutes illegal re-aging of debt under the Fair Credit Reporting Act ( FCRA ). 

Conflicting Information Between Bureaus : Each bureau is reporting different balances, credit limits, and statuses for the same accounts, proving the data is inconsistent and unreliable. 

Failure to Verify : I have previously disputed these items with the bureaus, but they remain with no documented proof of validity. Without original signed contracts and complete account statements from the creditors, these accounts can not be considered verified. 

Extended Negative Reporting : Charge-offs and collections are being reported beyond the allowable timeframe by re-aging, keeping derogatory marks on my credit longer than the XXXX limit permitted by the FCRA. 

Requested Resolution I am requesting that the CFPB investigate these reporting violations and compel TransUnion, Experian, and Equifax to : Immediately delete the above-listed accounts from my credit file, Since these accounts are not being reported accurately, consistently, or verifiably, I respectfully request their permanent removal from my credit reports. 

I have enclosed/attached supporting documentation, including copies of my credit reports and account details, to assist with your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I run a small business called XXXX XXXX and Fitness, and I use a Venmo Business Profile ( @ rodmanathletics ) to receive client payments. 

A client recently attempted to pay me {$150.00} to my business phone number ( XXXX ), but I never received the funds. The reason appears to be that the number is listed on my account but is not verified and when I try to verify it, I get an error that says : You cant add this phone number to your account. 

Ive spent hours trying to resolve this via XXXX in-app chat, but Ive received no help or escalation. Theres no email or phone number for real support, and the chat agents just repeat generic advice or tell me to wait.

This is actively blocking client payments and affecting my ability to run my business. I am the verified owner of the phone number and can provide documentation. I just need help verifying this number or transferring any funds sent to it to my current Venmo business profile.

Im asking for CFPB assistance because Venmo offers no functional way to escalate or resolve technical account-level issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App for unfair and restrictive practices regarding my digital assets. After closing my account, Cash App retained custody of XXXX that I lawfully purchased and held in their wallet. The company refuses to allow me to withdraw my XXXX in-kind to an external wallet and instead is forcing me to liquidate my holdings through their platform. This action creates an involuntary taxable event and denies me the ability to access my assets in the form in which they were purchased. I believe this constitutes an unfair and abusive practice under consumer financial protection standards, as Cash App is restricting my access to my own property and imposing unnecessary financial and tax consequences. I am requesting that Cash App provide a means for me to withdraw my XXXX in-kind to an external wallet rather than forcing liquidation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received an alert from XXXX XXXX XXXX XXXX XXXX, and others that a collection has been placed on my credit report with LVNV FUNDING LLC Open on XX/XX/year> the sum of {$700.00} which I have no idea of the agency and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am extremely disappointed with my experience dealing with National Credit Adjusters , LLC. This company has repeatedly failed to follow basic laws outlined in the Fair Debt Collection Practices Act ( FDCPA ), showing a blatant disregard for consumer rights. 

1. Failure to Inform of My Right to Dispute : From the very beginning, I was never informed of my right to dispute the alleged debt, a fundamental requirement under FDCPA 809 ( a ). This is not just a minor oversight ; its a clear violation of federal law, demonstrating a severe lack of compliance and professionalism.

2. Unauthorized Fees Added : The account reported on my credit profile includes an additional fee that was never explained or justified. This unauthorized {$40.00} charge beyond the original amount is not only unfair but also a violation of FDCPA 808, which prohibits collection of any amount unless expressly authorized by the agreement or permitted by law.

3. Inaccurate Reporting of Account Details : The details of my account, including dates and balances, have been reported inaccurately. Incorrect dates and balances reflect poor data management and a lack of accountability on the part of the company. This misinformation has caused unnecessary damage to my credit profile and is a direct breach of FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX i received a call from a person claiming to be my bank Wells fargo, they had a spoofed number of a wells fargo near me. they told me i had some unauthorized transactions on my account which did occur few days prior and that someone with my info had access to my online banking so i believed it was really the bank. They had me transfer {$3600.00} from my savings account to my checking account and then to my apple wallet and then i was instructed on manually adding my new card which was the card i sent the money to from apple pay.They tried to get me to go to a Wells fargo atm as well but i decided to just hang up, Soon i realized that the {$3600.00} was not in any of my accounts. I and my mother called Wells fargo fraud department and told them what had happened and put in a claim around a week later i received a letter in the mail from my bank about the claim and that it was denied because they believed the transactions were authorized.

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: TN

Complaint narrative:
I filed complaint # XXXX on XX/XX/year> against [ Debt Collectors Name ] for attempting to collect a debt not owed. It has been over 60 days, and the company has failed to respond through the CFPB portal. This violates the CFPB complaint process requirements. I request that the CFPB intervene directly, enforce the response requirement, and take supervisory or enforcement action as appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reported I owe {$15000.00} when I owe {$2200.00} on a {$5000.00} personal loan, causing other accounts to lower limits and not extend credit to me

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 2025-09-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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