vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX ]. I have never been 30 days late on this account. XXXXXXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX. I have never been 30 days late on this account. XXXXXXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was locked out of online banking by Wells Fargo after being a victim of fraud. They will not send me another atm or debt card the only way I have access to my account is by going into the branch. they will not restore my online banking as before.

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 2025-11-13 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:
I am writing to formally dispute the following items on my Experian credit report. These accounts and inquiries contain inaccurate or unverifiable information and should be investigated and corrected. 

Charged-Off Account : Creditor : XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I request that these items be verified for accuracy as required under the Fair Credit Reporting Act ( FCRA ). If verification can not be provided, these items should be deleted from 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate or unverifiable information being reported on my credit report. I request that the credit reporting agencies conduct a proper investigation and correct or remove the inaccurate information. 



CHARGED OFF ACCOUNTS XXXX  XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Statement : I dispute the above charged off accounts as they are either inaccurate, incomplete, or unverifiable. Please provide documentation verifying the legitimacy, balance, and account status. I request that any unverifiable or inaccurate information be removed from my credit report. 

INQUIRIES None to dispute at this time. 

LATE PAYMENTS XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Statement : I dispute these late payments as inaccurate or incomplete. I request verification of each late payment, including dates and amounts, and correction or removal if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/year>, Jefferson Capital Systems , LLC sent me a letter confirming that my account had been closed and that all collection efforts were terminated. A copy of this letter is attached. Prior to this, I sent a certified letter requesting validation of the debt, which they failed to provide. 

Despite this clear communication and their written confirmation that collections were ceased, Jefferson Capital Systems subsequently filed a motion for default judgment against me in small claims court on XX/XX/year>. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as they continued collection activities after being notified to cease. Their actions constitute bad faith, misrepresentation, and harassment. 

I have no wages, assets, or income aside from public benefits ( HUD housing, SNAP, Medicaid ) and small hobbyist photography income used only for XXXX purposes. Even if a judgment is entered, it is unenforceable due to my judgment-proof status, but the filing itself is unlawful and abusive. 

Requested Action : Investigate Jefferson Capital Systems , LLC for violating the FDCPA and engaging in bad faith collection. 
Ensure they are held accountable for filing a motion for judgment after agreeing to cease collections. 
Prevent future harassment or unlawful collection attempts on closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX  XXXX account # XXXX was accessed by an unauthorized party who attempted fraudulent mobile deposits from another state. XXXX  XXXX XXXX suffered no financial loss, yet this fraudulent activity was falsely reported on my ChexSystems record for years. I submitted an FTC Identity Theft Report and have repeatedly contacted XXXX via mail, email, phone, and the online portal, yet they have ignored my dispute and failed to investigate or correct the inaccurate reporting, in violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). The continued presence of this inaccurate information has caused substantial financial harm, including denial of banking services, lost opportunities, and damage to my financial reputation.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is currently reporting an unverified bankruptcy on my credit report. I submitted a written request for verification on XX/XX/2025, and to date, Equifax has failed to provide any supporting documentation or proof showing how this bankruptcy was verified. 

Equifaxs results continue to list the bankruptcy as verified, but no evidence has been provided identifying what third party or source confirmed the information. I have an official letter from the U.S. Bankruptcy Court for the District of New Jersey, XXXX XXXX, confirming that the court does not verify, confirm, or report bankruptcy information to Equifax, Experian, TransUnion, or any other credit bureau. 

Because Equifax has failed to produce verification or remove the inaccurate information, this account is being reported in violation of Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( accuracy requirements ) and 611 ( a ) ( reinvestigation procedures ).

Over 60 days have passed since my verification request, which exceeds the 30-day reinvestigation period allowed by law. Equifax has not provided documentation to support its claim of verification, nor has it removed the record, despite being unable to validate it with the appropriate source. 

I am requesting that the CFPB require Equifax to immediately delete this unverified bankruptcy from my credit report and provide written confirmation once the deletion is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-13 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: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate or unverifiable information being reported on my credit report. I request that the credit reporting agencies conduct a proper investigation and correct or remove the inaccurate information. 

CHARGED OFF ACCOUNTS XXXX  XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Statement : I dispute these charged-off accounts as inaccurate, incomplete, or unverifiable. Please investigate and provide documentation proving the validity of each account. Remove any unverifiable or inaccurate information. 

INQUIRIES None to dispute at this time. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : I dispute the late payments listed above. I request verification of the reported delinquencies and correction or removal if the information can not be verified.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
On XX/XX/year>, I applied for an auto loan refinance through AUTOPAY after receiving an offer that showed : XXXX XXXX XXXX XXXX Monthly payment : {$290.00} Loan term : XXXX  months Loan amount : {$20000.00} Status shown : Application approved I authorized a hard credit inquiry based on these approved terms. 

After the inquiry was performed, the lender drastically changed the offer to : XXXXXXXX XXXX XXXX XXXX Monthly payment : {$390.00} XXXX changes occurred in my credit profile, income, documents, or any information provided by me. 
The change in terms is excessive and unjustified, and the small disclaimer ( Offer terms are subject to change ) does not cover an increase of this magnitude without any change in my information. 

This appears to be a misleading or bait-and-switch lending practice, where I was shown an approved offer to get my credit pulled, only to be given a much worse offer afterward. 

I am requesting : A formal investigation into AUTOPAYs lending practices. 

I have screenshots of the approved offer and am willing to provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX Amount : XXXX I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Amount : XXXX I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: NC

Complaint narrative:
On XXXX, I made a payment to this company under the mistaken belief that they were affiliated with the credit collector I was attempting to pay. The representative led me to believe they were the appropriate party to resolve my debt. After making the payment, I realized this company is a credit repair servicenot the collector I intended to pay. I did not authorize any credit repair services, nor did I knowingly enroll in any program. I immediately contacted the company to request a refund, explaining the misunderstanding. Despite my prompt outreach and clear explanation, the company refused to issue a refund. I believe this is unfair and misleading, especially given that not once was I explained that it was a credit repair and the payment was made in error. I am requesting that the XXXX XXXX XXXX  assist in resolving this issue by facilitating a full refund of the amount paid. Desired Resolution : Full refund of {$590.00} to original payment method. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Our mortgage was sold to XXXX XXXX during our modification from the another mortgage company. XXXX raised our interest from 4 % to 8 % and we could not afford the payments any longer ( after paying them thousands of dollars over the last 6 months ) which caused us to fall behind. We missed XXXX payment and now they want XXXX to catch up. We told the company-we cant afford {$3200.00} a month how do you expect us to come up with XXXX right now. They said then we will foreclose on your house. We did the best we could do. It wasnt enough for them. My husband is a XXXX XXXX XXXXXXXX and I am a XXXX XXXX. We have XXXX teenage boys living in our home. This is absolutely ridiculous. XXXX wont even work with us. We are hard workers and this company is a disgrace. We read the reviews on XXXX and there are no good reviews. We are so stressed out and have no idea what to tell our children. The kids see us work hard. This company should be ashamed. We would so appreciate if anyway can please give us any information on what steps to take.

Company response to consumer: Closed with explanation