vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 writing to dispute the accuracy of the following information reported by the credit bureaus. The accounts in question do not accurately reflect the correct information. Below is a breakdown of the accounts I am disputing, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your 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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX / XXXX XXXX Credence Resource Management : I was a XXXX customer from XXXX through XXXX of XXXX. I made sure to pay them 100 % before switching service to a new provider in XXXX of XXXX. They then sent me a box to pack my old equipment in so it can be sent back to them, and I did. I even asked what to do with the old XXXX  because I had removed that as well, and they told me not to return that and to keep it, so I threw it in the trash. In XXXX of XXXX they sent me a statement that said I owed {$240.00} for the unreturned equipment, in which I had called and was told it was all taken care of. I never received another bill or statement from them so of course I would assume its all taken care of. Then 4 years later I notice a {$240.00} collection on my credit report from Credence Resource Management - I looked into it and its from 4 years ago with XXXX XXXX XXXX. I called XXXX who says they show a XXXX balance and cant help me and told me I will have to call the collection agency @ XXXX which I did and spoke to XXXX XXXX. He says it did originate from XXXX for unpaid late fees and offered me to pay {$110.00} to have it removed. I refused to pay because I don't owe this. So he stated it will continue to stay on my report until its paid... I feel this is wrong and needs to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: 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 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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
It began on Wednesday, XX/XX/XXXX. I was offered a loan that looked to be from Prosper. Which I checked into and seemed that it was legit. I was approved but the fees for the loan included insurance, that I was required to purchase due to my low credit score. Fees were sent, upon transfer, I was then contacted again and told that taxes were required to complete the process due to the loan coming from California to Colorado. I was told this was due to the fact that this is a private loan company. I paid the tax, and still no loan. They then said that I needed to pay a release fee, I began asking for my money back. I said that I did not want the loan and simply needed my money returned. They said that the minimum refund is {$1000.00}. I had already paid {$840.00} in fees and felt that it was worth the risk to get it all back. Now, they say I owe {$250.00} more to " register '' my bank account. I have refused to pay, and reported them. They have been in contact and were rude and inappropriate and basically told me that nothing could be done to them. They refuse to return my money after they said they would. I was preyed upon due to the fact I was desperate and and needed the money so badly that I was willing to overlook some of the warning signs initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I am filing a complaint against Optum Bank regarding my XXXX XXXX Account ( XXXX ). I have been unable to access my XXXX funds for over a month due to a HealthSafe ID verification problem, despite multiple attempts to resolve it. 

Each time I contact Optum, I am told my account will be accessible in XXXX hours, but no action is ever taken. I have provided all the information requested and followed every step, yet I remain locked out. Representatives frequently give inconsistent information, disconnect the call, or fail to escalate the issue properly. 

My XXXX contains my own funds, and Optums failure to restore access violates federal regulations regarding timely access to consumer custodial accounts. I have been denied access to my legally protected funds for more than 30 days with no resolution, no clear status update, and no verified case number. 

I am requesting that Optum be required to : 1. Immediately restore my access to my XXXX XXXX. Complete manual identity verification through the appropriate Tier 2 or Executive Identity Operations team 3. Provide confirmation of account status and access restoration in writing I simply need access to my own XXXX money, and Optum has failed to resolve this despite repeated attempts over an extended period. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo opened claims in XXXX and XXXX and they have yet to be resolved I have also contacted them multiple times for wrong transactions etc and nothing has yet to be done.

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 2025-11-18 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the inaccurate late payment ( s ) being reported on my credit file for the following accounts : XXXX ( Account Number : XXXX ), reported with a XXXX late payment from XX/XX/XXXX ; XXXX ( Account Number XXXX XXXX ), reported with a XXXX late payment from XX/XX/XXXX ; and XXXX ( Account Number : XXXX ), reported with a XXXX late payment from XX/XX/XXXX. I have reviewed the payment history for these accounts, and I was never late on any of them at any time. The reported late payments are inaccurate and do not reflect my actual payment history, which has always been on-time. Despite this, Experian continues to report them as XXXX late payments. These errors have not been corrected even after my previous disputes, and no documentation, verification, or explanation has been provided to justify the inaccuracies in the reporting. Under the Notice to the Furnishers of Information and the Fair Credit Reporting Act ( FCRA ), the furnishers of this information are obligated to ensure that only accurate and complete data is provided to credit reporting agencies. Section 623 of the FCRA mandates that furnishers of information, like those involved with these accounts, must investigate and correct any inaccurate information when notified of disputes. In this case, despite the notice and my previous disputes, no action has been taken to rectify these inaccuracies, which is a clear violation of these duties. I am requesting that Experian immediately correct the reported late payments for these accounts to reflect an on-time status and update the payment history to Paid as Agreed for all months reported. This inaccurate reporting violates several provisions under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires that credit reporting agencies maintain maximum possible accuracy in reporting consumer information ; 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a proper reinvestigation when a consumer disputes the accuracy of information reported on their credit file ; and 15 U.S.C. 1681b and 15 U.S.C. 1681n, which address the permissible purpose and legal compliance in reporting and maintaining consumer data, and provide for penalties in the case of willful non-compliance. These inaccuracies not only violate my rights under the FCRA but also continue to harm my credit standing and financial well-being. I am requesting that these errors be corrected immediately and that the accounts be updated to reflect Paid as Agreed to accurately represent my payment history.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: IL

Complaint narrative:
UPLIFTXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research UPLIFTXXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am requesting that these accounts be removed immediately from my credit report. These accounts and inquiries appeared after a recent data breach that compromised my personal information. I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. XXXX XXXX and XXXX  have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 

Midland {$890.00} XXXX XXXX {$6300.00} XXXX XXXX  {$1200.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX  {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
PROF DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research PROF DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC
State: FL

Complaint narrative:
I am very concern about this collection agency obtina my personal information without my written consent. 15 USC 6802 b no creditor shall not sell or give my information to a third party creditor.I am federal protected consumer. Not only this collection agency violated but XXXX XXXX violated federal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXXXXXX 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief