vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported on my credit file. The account in question is associated with Wells Fargo, referencing a purchase of a mattress made explicitly for medical and health purposes related to chronic back problems. Despite my good faith efforts, this account currently reflects on my XXXX  as a charge off, on my XXXX  as 6 late payments and 6 charge offs, and is on my XXXX  as 5 late payments and 5 charge offs which are not accurate and are causing undue harm to my credit profile. Product Defect and Dispute Initiation : I notified Wells Fargo promptly that the mattress was defective and did not meet the basic standards for therapeutic use, which was the basis of my purchase. I was advised to pursue the issue with the merchant, which I did, but was met with no resolution. The mattress was purchased specifically for a medical purpose, related to XXXX  XXXX XXXX. According to updated CFPB guidance : Since XXXX, the three nationwide credit reporting agencies XXXX XXXX and XXXX have agreed to remove medical & medically related collections and to eliminate the reporting of unpaid medical debt. Source : Consumer Financial Protection Bureau, Medical Debt Collection and Credit Reporting, XXXX  While this account may not be traditional medical debt, it falls under the same intent and impactpurchased specifically for medical health management. I respectfully request that this classification be considered in light of CFPB policies intended to protect consumers facing health-related financial disputes. Account Not Delinquent Under Credit Reporting Standards : At no point did I willingly or negligently miss payments in a way that satisfies the definition of a late payment as defined by the three major credit bureaus. According to their guidelines, a late payment is typically not reportable unless it is 30 or more days past due. My actions were part of an ACTIVE DISPUTE and payment was withheld under a valid claim of merchandise DEFECT and FAILURE to resolve the matter. This is not a delinquency it is a consumer protection matter. Requested Action : Remove all late payment notations associated with this account. Remove the missing payments from this account to reflect the disputed nature of the transaction, the lack of delinquency, and the medical-related use of the product. I ask for this matter to be addressed within the 30-day timeframe mandated by FCRA.

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : XXXXXXXX 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
This debt collection company placed this on my credit report. I called them and gave them all my information. That debt collection company has no record of this debt in any of their systems.. I need this removed from my credit report. The debt collection agency refused to remove it even though they are the ones that placed it on my credit report.. 

SOUTHWEST CREDIT SYSTEMS Collection/Chargeoff Other {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Remarks Placed for collection Date Reported XX/XX/year>XXXX  Payment Status Collection/Chargeoff Account Status Derogatory Original Lender XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 11 Months Credit Limit Not Reported Highest Balance {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am filing this complaint to dispute two collection/charge-off accounts being reported on my TransUnion credit report. These entries are either inaccurate, unverifiable, or incomplete, and their continued reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

The first account is listed as XXXX XXXX XXXX, account number ending in XXXX, with a charge-off date of XX/XX/XXXX, and a balance of {$10000.00}. The second account is XXXX XXXX XXXX, account number ending in XXXX, reported as charged off on XX/XX/XXXX, with a balance of {$4000.00}. 

I have not received any documentation from TransUnion or the original creditors substantiating the validity of these charge-offs. There have been no billing statements, payment records, or contractual agreements produced to confirm that these amounts are accurate, that the accounts were properly charged off in accordance with federal reporting standards, or that the debt was even mine to begin with. The continued appearance of these derogatory entries without proper verification severely misrepresents my financial history and unfairly harms my credit score and reputation.

As someone who actively maintains and monitors their credit file, I find it unacceptable that TransUnion has allowed these entries to remain without fulfilling its legal obligation to ensure accuracy and transparency. The FCRA, under 15 U.S.C. 1681e ( b ), mandates that consumer reporting agencies maintain data with the maximum possible accuracy, and 15 U.S.C. 1681i requires them to conduct a proper reinvestigation when disputed 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute two collection or charge-off accounts being reported by Equifax that are both inaccurate, unverifiable, and in direct violation of the Fair Credit Reporting Act ( FCRA ). The first account is listed as XXXX XXXX XXXX, with an account number ending in XXXX, a reported charge-off date of XX/XX/XXXX, and a balance of {$10000.00}. The second account is XXXXXXXX XXXX account number ending in XXXX, with a reported date of XX/XX/XXXX, and a balance of {$460.00}. 

I have reviewed my files extensively and have never received any verifiable documentation from either Equifax or the original creditors substantiating these charge-offs. I have not received billing statements, delinquency records, or original agreements that would legally validate these entries. Equifax has not provided any evidence demonstrating that these debts were correctly attributed to me, lawfully charged off, or accurately calculated. Without this evidence, these entries are unverifiable and therefore must be removed according to the FCRA. 

I take my financial profile and credit reporting very seriously. I monitor my credit regularly to ensure it reflects my true financial history. These entries are misleading and severely damage my creditworthiness. Equifax is required under 15 U.S.C. 1681e ( b ) to report only information that is complete and maintained with maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, I have the right to dispute any item on my credit report that can not be verified. Equifaxs failure to substantiate either of these entries within a reasonable time frame violates these legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report, please remove these from my report, they are hurting my ability to obtain credit. 
I also requested verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
on XX/XX/year>, I filed a dispute with XXXX. the dispute was against a company named aidvantage. on XX/XX/XXXX, my father had given me mail I was unaware I was receiving, noticing the late statement, I called on XX/XX/XXXX. realizing that aidvantage had the incorrect address ( my fathers ) and primary phone number as my mothers. I corrected it and attempted to make my account current. I am able to make the payments and would have the entire time if I had known about these loans. I was not able to make the lump sum payment and they provided me with the option to put my account in deferment and can start fresh. but the blemish is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I mailed a check from my personal account at PNC Bank made out to the United States Treasury for estimated taxes in the amount of {$5000.00}. My bank statement for that month showed no irregularities, just the check number and the amount paid. Since the IRS did not know to expect the check, they did not notify me that they had not received the check until I filed my XXXX  Taxes on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from the IRS that they had not received the check. I immediately requested a copy of the check from PNC and discovered that PNC had accepted a counterfeit check with the same number and amount made out to a XXXX XXXX. I contacted PNC that same day. Someone had stolen my mail from the Post Office and made a counterfeit check. PNC admits that they accepted a counterfeit check, one that was printed by hand by this thief with numerous problems that should have sent alarms and been flagged as a suspect check, including a smeared account number that the check was deposited into. PNC will not reimburse me as they say too much time has passed according to the Bank Agreement, which I quote, " Review your statement carefully. If you notice a problem, such as an unauthorized payment or some other irregularity, you must notify us within 30 calendar days of the day we delivered you the first statement that shows the irregularity. If you don't notify us in time, we will not be liable for charges to your account. '' There were no irregularities on my statement. A PNC statement for a personal account lists checks with a number and amount, but no payee. PNC accepted a counterfeit check and I notified them the day that I found out. They will not reimburse me the {$5000.00} that they in poor faith took out of my account even though the law says that Banks must make a fair and reasonable effort to protect my account from fraud. I have spoken to several people at PNC but no one who has authority to reimburse me. They accepted a counterfeit check and are making me lose {$5000.00} for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

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 : [ XXXX ] Account Number : [ 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 2025-07-01 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:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I asked for the validation and contracts of the debt that they say I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am contacting you to raise a formal dispute regarding a collection account that has been listed on my credit report. I have reviewed my financial history and found no legitimate basis for this debt. It does not align with any account Ive held, nor have I received prior communication regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation