vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if a credit reporting agency or data furnisher can not verify the accuracy of disputed information within the required timeframe, they are legally obligated to delete it. Since more than 60 days have passed without verification, this item must be removed from my credit report as it is now considered unverifiable and inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I submitted a debt validation request to Resurgent/LVNV Funding LLC under 15 U.S.C. 1692g ( b ). The company failed to respond within the required time frame and continued collection activities relying on a court judgment before properly validating the debt. They responded 44 days later with a court document instead of a full account-level validation including contract, assignment, and payment history. This violated the FDCPA. Additionally, they were not the original creditor and did not show a clear chain of title. I was never properly served in the underlying lawsuit, and I am now seeking to vacate the judgment due to improper service and FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: DISCOVER BANK
State: CA

Complaint narrative:
I have XXXX hard inquiries on on my XXXX  and my XXXX XXXX. I did not consent to those increase on running my credit report. I was in prison from XXXX to XX/XX/XXXX. It shows on XXXX  and XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX number XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I would like to have those hard increase removed from my credit file my XXXX XXXX and XXXX  I submitted a request saying that they was disputed but they keep denying it. I called XXXX XXXX  and XXXX XXXX said that they dont have no records of this in their computer. I would like to have all the things removed because I did not consent for them companies to run my credit. It is a fraud. I think it was a family member that had my identity while I was locked away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX has violated my rights. 

15 USC 1681 section 602 states I have right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as a late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX has violated my rights. 

15 USC 1681 section 602 states I have right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as a late for and purpose.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a wells fargo checking account. on XXXX i had a transaction for {$160.00} from wells fargo on XXXX they charged an overdraft draft for this making my account- {$160.00}. they then let a {$50.00} transaction go through on XXXX. then charged a {$35.00} over draft fee on XXXX. they then let a {$24.00} XXXX fee go through on XXXX and charged a overdraft fee on XXXX. they then let a {$60.00} payment go through on XXXX and charged a overdraft fee on XXXX. they then let XXXX payments from XXXX  go through on XXXX XXXX for {$11.00} and XXXX for {$15.00} and charged XXXX over draft fees on XXXX making my account- {$520.00}. They denied and refunded XXXX other payments that tried to go through. I called and asked why are you letting some payments go through and the others being denied and they could not give me an answer. They are picking and choosing what payments can go through even if my account is negative to get more overdraft fees. They would not refund any overdraft fee after calling and speaking to XXXX different people. So now i owe {$210.00} in just overdraft fees that could have been denied but they decided not to deny those for some reason. I have been with wells Fargo since XXXX  and they offered no help except to turn off overdraft proctection so fees would not go through, which i said seems pointless because they pick and choose what payments qualify for an overdraft.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In XXXX, XXXX, U.S Bank decided to close my business account. They later sent me paper mail saying that my entire balance of {$1900.00} ( at the time of closing ) would be returned to me in a check within 10-15 business days. That time came and passed and I received no check for my money. I called the bank to change my address to ensure that the check reached me but the service agent lied to me about both the address change and the fact that the check would be sent to my new address within 10-15 business days. I have since called U.S Bank customer service many times and I get transferred between departments and consistently lied to about a check coming in the mail. I have since not received the money that is rightly due me and I have decided to reach out to you because going through the bank 's customer service has been very frustrating. I am made to feel less than a human being sometimes with the failed promises and I only wait on the check to be able to pay my rent and feed my family.

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 2025-07-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach

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 2025-07-10 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( XXXX ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( XXXX ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/year>. 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding a false 90-day late payment reported by Comenity Capital Bank ( XXXX ) on my credit report. The account was paid and closed, and at no point was I informed of a missed or escalating delinquency. The 90-day mark is excessive and inaccurate especially for a low-limit account that was paid in full and had minimal activity. 

This appears to be a case of negligent reporting or a data entry error, not an actual failure to pay. I received no emails, letters, or alerts regarding any payment issue or account status change prior to this reporting. The fact that this derogatory mark exists without evidence or communication violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I am demanding that the CFPB require Comenity Capital Bank and XXXX  to delete the 90-day late payment from my credit report and verify whether the information was properly documented, notified, and legally submitted. This inaccurate reporting is unfairly damaging my credit score and financial credibility, and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: WY

Complaint narrative:
1. Immediately and permanently delete the fraudulent accounts listed above from my credit report in accordance with federal law.

2. Send me written confirmation that these items have been removed and will not reappear.

3. Cease all communication and do not allow any debt collector to continue collection on the above fraudulent accounts.

Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), XXXX  Attorney General, and potential civil action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I expect full compliance within the timeframes set by federal law. 

Sincerely, XXXX XXXX XXXX XXXX without prejudice

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 2025-07-10 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: WY

Complaint narrative:
1. Immediately and permanently delete the fraudulent accounts listed above from my credit report in accordance with federal law.

2. Send me written confirmation that these items have been removed and will not reappear.

3. Cease all communication and do not allow any debt collector to continue collection on the above fraudulent accounts.

Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), XXXX  Attorney General, and potential civil action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I expect full compliance within the timeframes set by federal law. 

Sincerely, XXXX XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-10 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: AL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX  balance {$8800.00}, XXXX XXXX XXXX balance {$57.00}, XXXX XXXX XXXX balance {$3200.00}, XXXX balance {$8300.00}, XXXX XXXXXXXX balance {$330.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$0.00}

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$910.00}

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 2025-07-10 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: Source Receivables Management LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need yall to remove this account off my report for experian and equifax and transunion because I never apply for this account it was open in my name without my permission as fraudulent and unauthorized and identity theft and my ssn is XXXX I need it to be removed from all XXXX of my credits reports at all XXXX XXXX for account for XXXX XXXX XXXX and dispute it too etc I need yall to dispute it and remove it from all my XXXX credit bureau reports and close it out of yall office and send it back to XXXX request by law by my rights etc.

Company response to consumer: Closed with explanation