vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
Some opened up a credit card in my name using my social security number and but using a cell phone number i don't know. it was at XXXX XXXX and XXXX XXXX and it's showing on my credit report on experian as a revolving account saying it's still open everything i call experian they can't help me get it off my credit report. I even reached out to both credit card company 's and couldn't help me they gave the run around I just it off my credit.

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 2025-06-02 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: TX

Complaint narrative:
My information was compromise in a XXXX  and XXXX data breach. these accounts or unrecognizable or the date, amounts, account number are inaccurate based off 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 2025-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Experian for ongoing and severe violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and the Dodd-Frank Acts UDAAP provisions. 

Experian is reporting a charged-off account from : XXXX XXXX XXXX account number : XXXX with dozens of monthly CO notations ( Charge-Off ) from XXXX through XX/XX/XXXX. 

This is not only technically improper under Metro 2 reporting standards, but also a clear violation of FCRA 605 ( a ) ( 4 ), which prohibits the reporting of derogatory accounts more than 7 years from the Date of First Delinquency ( DOFD ).

In this case, the DOFD occurred in XXXX. However, Experian updated the balance and charge-off status on XX/XX/XXXX, clearly extending the life of the account past the legal reporting limita practice known as illegal re-aging.

Additionally, the account shows : A current balance of {$1500.00} despite being written off for {$1600.00}, which is contradictory and misleading.

Over 70 months of repeated CO entries, violating the Metro 2 rule that only one charge-off should be reported, not continuous ones.

A recent status update ( Balance Updated ) dated XX/XX/XXXX, even though the account was charged off and inactive since XXXX, which makes it appear falsely active.

I filed a formal dispute with Experian in XX/XX/XXXX. In response, they simply marked the item as updated without removing the inaccurate reporting or disclosing the verification method as required by FCRA 611 ( a ) ( 7 ). This suggests they relied on automated processing ( e-OSCAR ) without meaningful investigationexactly the kind of behavior the court warned against in Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ), and more recently in Ramrez v. TransUnion ( 2021 ), where the U.S. Supreme Court held that reporting false information without proper investigation causes real, actionable harm.

This ongoing reporting : Is false, misleading, and harmful to my creditworthiness.

Violates my rights under the FCRA 605 ( a ) ( 4 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and 607 ( b ).

Is an unfair and deceptive act under UDAAP 12 U.S.C. 5531, regulated by your agency.

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 2025-06-02 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to formally dispute XXXX accounts that appear on my credit report. These accounts are reported by the following debt XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX / XXXX XXXX XXXX Both accounts are being disputed due to serious concerns about their accuracy, legal standing, and reporting practices. I have reason to believe these accounts XXXX be unverified, invalid, or related to litigation and are currently under legal dispute. Their continued reporting is damaging and misleading. 

Please investigate and take the following actions : Validate the accuracy and ownership of the accounts. 

Verify that XXXX XXXX  XXXX have legal authority to collect and report these debts. 

Remove these accounts from my credit report immediately if they can not be verified or are found to violate the FCRA/FDCPA. 


I am requesting that your bureau perform a full investigation per the Fair Credit Reporting Act ( FCRA ). If XXXX or XXXX can not validate the debt with proper documentation or are involved in litigation preventing accurate reporting, these accounts must be deleted from my credit file. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Check amount : {$7300.00} Wells Fargo ATM XXXX Bank XXXX XXXX XXXX XXXX, XXXX, NC XXXX On Saturday XX/XX/XXXX around XXXX pm I tried using the check deposit feature at the Wells Fargo atm bank near me. I got to the deposit part and inserted the check, then it threw an error that disappeared quickly and kept my check. You could say it ate my check. 

At XXXX I then called the customer service where the first person told me XXXX out of luck go back Monday XX/XX/XXXX, they then tried to transfer me to the next tier and the call was dropped. I called back then the second person basically said the same thing and the call was dropped. 

Called back again and this person was going to set up the claim but needed the full check amount which I needed to get from my pay stub so I had to call back. Called back again and this person tried to end the call early but I asked them to do a claim and they took all the info but then did not file any claim. I noticed nothing in my app so I went to the branch in the morning of XX/XX/XXXX and asked for help. 

The branch XXXX told me there is nothing she could do but set me up with the banker. The banker called in a lo and behold the claim was never filed. She then filed it for me and I was told XXXX business days to get an answer. 

I noted to each person XXXX days is not doable this is their machine and it ate my check and I need help because I have no money in my account. 

Why this is so important is XXXX XXXX XXXX XXXX XXXX XXXX this is my first pay check back at work and why its paper. I need this money to pay bills and eat food and put gas in my car pay my car payment. My account is XXXX {$260.00} and yet no one at Wells Fargo cares to help me. I am trying to not only make my account even but pay my bills and now XXXX at risk of XXXX  my credit. 

I didnt even get a priority tag on the claim but them declining my card every day gets a priority It feels ever more ridiculous that no one will help me to expedite the process or it happens that my calls are always dropped XXXX getting the run around and have no idea when XXXX actually see this check and my work cant reissue it until Wells Fargo gets the check

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 monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
You have reported XXXX XXXX XXXX accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never XXXX XXXX XXXX these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell : XXXX Email : XXXX Date : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Deletion of Inaccurate and Outdated Addresses from Credit File To Whom It May Concern, I am writing to formally dispute and request the immediate removal of inaccurate and outdated addresses currently being reported on my credit profile with your agency. These addresses are not associated with any current credit accounts and do not reflect my accurate or legal place ( s ) of residence.

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 604 and 607, consumer reporting agencies are required to ensure that all data reported is accurate and verifiable. Reporting outdated or incorrect personal identifying information such as addresses violates these provisions and exposes your agency to legal liability.

Addresses to Be Removed Immediately : TransUnion is currently reporting : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Experian is currently reporting : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX These addresses are obsolete and have no current association with my credit or residence. 


Only Valid Addresses That Should Be Listed : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please take immediate action to correct my credit report and remove the incorrect addresses listed above. Failure to do so may result in legal action as continued reporting of inaccurate personal identifying information constitutes negligence and willful non-compliance under FCRA Sections 623 and 616.

I am requesting written confirmation once these deletions have been completed. If you are unable to verify the validity of these addresses or associate them with a currently active account, they must be removed per federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I loaded money with my barcode for XXXX at a store. I have the receipt I previously done at the day before. I also did it the day after at the same location with no problems. The money is missing. There is no way for me to get a hold of somebody who is above customer service I contacted customer service three times the first time as soon as it happened an hour later because I wanted to wait longer than 15 minutes for it to show up on my account which Ive never had to do. I have been purposefully delayed. It feels like I have been trying to get this resolved. I also contacted the store. There is nothing that nobody will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
Yes, I XXXX in XXXX XXXX which has law that auto loan financial institutions can not legally charge you more than 18 % Interest on your auto loan. I am paying 25 % on my auto loan with credit acceptance and have been for the last year and a half. I had no idea that West Virginia had a law with this as I really needed transportation for work. Can someone please help me?

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 2025-06-02 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by XXXX XXXX XXXX Despite my written request, XXXX XXXX XXXX failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law. 

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA. 
When I disputed the account with both XXXX XXXX XXXX and the credit reporting agencies, XXXX XXXX XXXX has failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it. 

XXXX. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) XXXX XXXX XXXX has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy. 

XXXX. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA. 

XXXX. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) XXXX XXXX XXXX is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX XXXX XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX XXXX XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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