vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER XXXX XXXXXXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen 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 Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts 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 2025-10-02 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: Experian Information Solutions Inc.
State: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-02 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ MACYS/CBNA ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/year>, I sent XXXX MoneyGram transfers that were not delivered : Ref # XXXX {$200.00} Ref # XXXX {$200.00} MoneyGram informed me the funds would be refunded after 90 days. Around XX/XX/year>, MoneyGram attempted to refund the transactions to my XXXXXXXX XXXX account. However, that account had been closed in XXXX. 

On XX/XX/year>, XXXXXXXX XXXX returned both refunds to XXXX. XXXX has confirmed in writing that the funds were not retained by the bank and were sent back to MoneyGram.

Despite this, MoneyGram has not reissued my refund. Instead, they told me to dispute with my bank, even though the bank has already returned the funds. I obtained a MoneyGram complaint number for this matter : [ insert complaint number ]. 

Additionally, MoneyGram has blocked my online account without notice or explanation, preventing me from accessing services.

Timeline of Events : XX/XX/year> Sent transfers ( {$200.00} and {$200.00} ). 

XX/XX/year> XXXX account closed. 

XX/XX/year> MoneyGram attempted refund to closed account. 

XX/XX/year> XXXX returned refunds to MoneyGram.

Ongoing Multiple calls with no resolution ; MoneyGram complaint # [ insert complaint number ] opened. 

Attachments provided : XXXX statement showing XX/XX/XXXX debit card transaction to MoneyGram. 

XXXX statement showing XX/XX/XXXX refund returned to MoneyGram.

Relief Requested : Immediate re-instatement of online account as I have decades old transaction records.

Immediate reissue of my {$400.00} refund by check or to my current valid bank account. 
My current XXXX account number : XXXX Routing : XXXX XXXX confirmation of refund and written explanation for why my MoneyGram online account was blocked. Blocking my account has caused tremendous financial difficulties for me. 

This matter has caused financial harm and unnecessary stress. I request CFPB assistance to ensure the refund is promptly reissued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This loan os for a home mortgage which was paid off in XXXX of this year. 

I contacted the mortgage company directly as the app would not let me make a normal payment, which I was told later was due to the owed amount being less than the monthly amount as it would be the final payment on this loan. As I was unable to even access my account to pay it off, the call was made directly to them. 

On XX/XX/XXXX I requested to pay off the loan, received the payoff amount, and paid the complete amount owed to include any fees etc. This was done and approved over the phone. Wells Fargo has been able to verify this payment was made, however the payment does not show processed from the bank until XX/XX/XXXX, I would assume this is from it being both a final payoff, and it then being a holiday XXXX days later. 

I have since received a final escrow check, and the letter stating the loan has been paid off. It has also been recorded in the county files as paid in full. 

Unfortunately I have also received a hit to my credit for a late payment ( XX/XX/XXXX ) for this loan despite it being paid in full. I submitted a dispute through Experian and also contacted Wells Fargo about it. To date I never received a return call from Wells Fargo, it did however appear to come off the credit report. Yesterday however, it hit again on credit showing a XXXX day late payment for this mortgage. 

I have called Wells Fargo and was told that it needed to be addressed with the credit bureaus and not them. Of course the credit bureau ( Experian ) says the same in reverse and that I need to contact Wells Fargo. 

As the consumer who is being affected by this continued error, I have no current recourse as I am stuck in the middle. I have submitted an additional dispute, yet I do not think it will be resolved appropriately as it was not before. Being as how I can not get a logical answer or return call, I am not sure what other actions I can do on my end.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Subject : Formal Debt Validation Request Dear Westlake Portfolio Management, As per the Consumer Financial Protection Bureau ( CFPB ) and FDCPA regulations, I formally dispute the debt listed under Account # XXXX and request written verification of the following : 1. Proof of debt ownership and original agreement 2. A full accounting statement of alleged debt 3. Legal authority of your agency to collect on this debt 4. Clarification of any interest, fees, or penalties applied 5. A signed document proving my responsibility for this debt You are required under federal law to pause all collection efforts until verification is completed. If you can not validate, you must remove the debt from all records and notify credit bureaus. 
Expecting your response within XXXX days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
XXXX XXXX XXXX, NY XXXX XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Collections Account : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. I would also like to see that original creditor has not been paid off said debt because if said debt is paid off I am not required to pay a collections company in which I have no contract with. Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-02 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: Experian Information Solutions Inc.
State: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXHello, I seen some of the activity on my account as well as having issues with bank account, inheritances, properties across the country and more that I have lost access to. Bank accounts have been closed without my permission and I no longer have access to my fund anywhere. This is not acceptable nor ok with the amounts of money. My information is as follows, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I filed disputes with TransUnion on XX/XX/year> and previously regarding an account reported by XXXX. I explained that the account is being reported incorrectly as a charge-off with a balance due. I asked for proof of the charge-off status and correction of the reported balance. 

TransUnion closed the disputes and marked the account as verified without providing me with any documentation or evidence supporting the charge-off or balance. This means TransUnion accepted the furnishers response without conducting a reasonable investigation as required under the Fair Credit Reporting Act. 

I believe TransUnion has failed to properly investigate my dispute. I have made monthly payments on this account, but my payment history is not being reflected. Simply marking the account as verified without providing proof does not resolve the inaccuracy.

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 2025-10-02 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I filed a dispute, first person hung up on me and I called back and XXXX said I either have to have a printer and wait up to 3 days for that, print it and return before I get a dispute number for little pot in the amount of {$100.00} from last Monday, item not as described. I've written XXXX COMPLAINTS, NEGATIVE XXXX REVIEWS AND HAVE XXXX SCREENSHOTS OF COMPLAINTS ONLINE TO FWD TO IMAGINE BUT XXXX REDUSED TO GIVE ME A DISPUTE CASE NUMBER SO HOW CAN I EMAIL DOCUMENTS FOR THIS CASE WIRHOUT A CASE NUMBER? I HAVE A PREVIOUS DISPUTE FOUND IN MY FAVOR AND SHE MIXED IT UP WITH THAT! NOW I GOT AN EMAIL RESPONSE TO THIS DISPUTE WITH THE PREVIOUS DISPUTE CASE NUMBER ON IT! THE ONLY OTHER OPTION WAS WAITING FOR SNAIL MAIL TO COME THEN FILL OUT AND MAIL.BACK BEFORE GETTING A CASE NUMBER? UNHEARD OF. ALL MY OTHER CARDS GIVE ME A CASE NUMBER BEFORE I GET OFF THE PHONE OR ITS ABLE TO BE UPLOADED ONLINE THEY NEED INVEATIGATION AND SHUT DOWN IMMEDIATELY AS THEY ARE PREDATORY!!! I WILL UPLOAD ONLINE COMPLAINTS SCREENSHOTS! FDIC OCC IRS ALL NEED TO BE NOTIFIED ASAP! ALSO XXXX! COMPLAINTS ON ALL 3 CREDIT REPORTING AGENCIES, XXXX, XXXX  AND XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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