vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: WI

Complaint narrative:
I am sending this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, and unverifiable information about my accounts with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) billing error provisions. Across all three major credit bureaus TransUnion, Experian, and Equifax the same accounts are being reported with conflicting dates of last activity and inconsistent late payment histories. XXXX XXXX XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) shows multiple different dates of last activity and inconsistent late payments between bureaus. XXXX XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( Acct. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) show similar contradictions, with each bureau displaying different dates and varying numbers of late payments. These discrepancies can not all be accurate and clearly demonstrate a lack of proper data verification and quality control. Under FCRA 602, Congress established that credit reporting must be fair and accurate. However, the repeated inconsistencies in my file show that both the credit bureaus and furnishers have failed to meet their obligations under FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ). The XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX are also in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) for failing to report accurate and updated information and of 623 ( b ) for failing to properly investigate disputed information. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to a reasonable reinvestigation of any disputed item, but these accounts remain uncorrected despite clear evidence of inconsistency. Under 609 ( 15 U.S.C. 1681g ), I have the right to full disclosure of verification records, which I have not received. Furthermore, 15 U.S.C. 1666 and 1666a prohibit creditors from continuing to report or act on disputed billing information while an investigation is pending. Despite my disputes, these accounts continue to show up with conflicting information across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I attempted to deposit {$1000.00} ( 48 {$20.00} bills and one {$100.00} bill ) at a Wells Fargo ATM located inside a grocery store at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. The ATM malfunctioned. it displayed an error message, returned only about {$500.00} in cash, and provided no receipt. 
I immediately reported the issue to Wells Fargo and filed a claim ( claim number : XXXX ). Wells Fargo initially credited my account {$1000.00} during the investigation. Later, I received a letter stating that the deposit was " credited correctly for $ XXXX  '' and the {$1000.00} was withdrawn back from my account, claiming no error occurred. 
This is not correct the ATM did not complete the deposit, and I lost a large portion of my money. I worked hard to earn that cash and did everything right by reporting the malfunction immediately. 
I am asking Wells Fargo to reopen and properly investigate this claim by checking the ATM 's cash balancing records and camera footage for that day. I can provide the photo of my car monitor showing the exact location where this occurred.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention Experian, After the XXXX  data breach in XX/XX/year> ( involving names, SSNs, and dates of birth ), I pulled my credit reports from all three bureaus around XX/XX/year>. I noticed that my files now show personal information that does not belong to me : wrong versions of my name, multiple unfamiliar/old addresses, phone numbers Ive never used ( including clearly invalid ones ), and employers Ive never worked for.

This looks like a mixed file/identity mismatch that started after the breach. I sent written disputes to all three bureaus, clearly listing every incorrect name, address, phone, and employer, and cited my rights under FCRA 605B, 607 ( b ), and 611 ( a ). I requested that they block and delete these identifiers within four business days and correct my file under Metro 2 standards. As of now, those incorrect identifiers are still appearing, and I have not received proper confirmation that they have been blocked and deleted as required.

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 2025-11-10 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: FL

Complaint narrative:
I am filing a complaint once again regarding my credit file because despite my previous disputes, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account * * with a Balance : {$0.00} continues to appear, along with several unauthorized or unverifiable inquiries. This is my fourth request for permanent removal, as prior submissions have not resulted in the complete deletion of these items. Their continued reporting is inaccurate, misleading, and harmful to my financial well-being. 
Under XXXX XXXX ( XXXX U.S.C. XXXX ), it is unlawful for a debt collector to use false, deceptive, or misleading representations in connection with the collection of a debt. Additionally, FDCPA XXXX ( XXXX U.S.C. XXXX ) requires that a collector provide proper written verification of a debt upon request. No verification has been provided for this collection account, making its reporting unverifiable. Under FCRA XXXX ( b ) XXXX U.S.C. XXXX ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The continued reporting of a zero-balance, unverifiable collection clearly violates this obligation. In accordance with XXXX / XXXX U.S.C. XXXX, I am requesting that this account be permanently deleted from my credit file. 
In addition, the following inquiries appear on my report without proper authorization or permissible purpose : XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX. According to FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ) and FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), no consumer report may be accessed without a permissible purpose. The presence of these inquiries without verifiable authorization constitutes a violation of federal law, and under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), they must be permanently removed. 
The repeated mishandling of these disputes demonstrates a clear pattern of negligence and noncompliance, which may be considered a willful violation under FCRA XXXX ( XXXX U.S.C. XXXX ) and a negligent violation under FCRA XXXX ( XXXX U.S.C. XXXX ). These errors have negatively impacted my financial opportunities, personal reputation, and overall well-being.

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 2025-11-10 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: VA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-10 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: VA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am sending this complaint because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently across the three major credit bureaus. Equifax and Experian report 30- and 60-day late payments over the past seven years, while TransUnion reports the account in good standing. The Date of Last Activity is inconsistent across bureaus ( XX/XX/XXXX Equifax, XX/XX/XXXX TransUnion, XX/XX/XXXX Experian ), and the account is also reported as a charge-off with a balance of {$6300.00}, with conflicting dates ( XX/XX/XXXX Equifax, XX/XX/XXXX TransUnion, XX/XX/XXXX Experian ). These discrepancies create misleading and obsolete information, violating FCRA 602, 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 2 ), 623 ( b ), 611, 1666, and 1666a. Additionally, my addresses ( XXXX XXXX XXXX, XXXXXXXX FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX ) are inaccurately reported or missing ; my current address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX , which violates FCRA 607 ( b ). These errors misrepresent my creditworthiness and fail to comply with federal requirements for accurate reporting.

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 2025-11-10 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: FL

Complaint narrative:
I am sending this complaint because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently across the three major credit bureaus. Equifax and Experian report 30- and 60-day late payments over the past seven years, while TransUnion reports the account in good standing. The Date of Last Activity is inconsistent across bureaus ( XX/XX/XXXX Equifax, XX/XX/XXXX TransUnion, XX/XX/XXXX Experian ), and the account is also reported as a charge-off with a balance of {$6300.00}, with conflicting dates ( XX/XX/XXXX Equifax, XX/XX/XXXX TransUnion, XX/XX/XXXX Experian ). These discrepancies create misleading and obsolete information, violating FCRA 602, 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 2 ), 623 ( b ), 611, 1666, and 1666a. Additionally, my addresses ( XXXX XXXX XXXX, XXXXXXXX FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX ) are inaccurately reported or missing ; my current address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX , which violates FCRA 607 ( b ). These errors misrepresent my creditworthiness and fail to comply with federal requirements for accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I received my online billing statement for my Wells Fargo XXXX XXXX XXXX I Made a payment early that morning for {$63.00} expecting it to apply to my XXXX billing statement. However a few days after my payment I contacted Wells Fargo to inform them of my payment at that time I was told that he/she would credit my payment of {$63.00} to my XXXX, billing statement. After several days I contacted them again and was told the same thing from a 2nd then 3rd representative. However, no payment was credited. Call again days later and spoke to a supervisor who advised me that the previous representative did try to credit my payment but was unable to because someone/ something was placed on my account. Some type of glitch that he was unaware of. Since then Wells Fargo has failed to search these calls Investor a-sign to my case said that their are to many call from XXXX present to search. Also although Wells Fargo has placed a late fee on my account and credit it back. They have reduced my high credit limit of XXXX down to XXXX due to being late. Ive never been late on this account and have had an excellent payment history. What they call being late is due to their lack of responsibility in honoring what their many representatives stated they would credit my {$63.00} payment and some type of glitch placed on my account that was clearly stated to me by a supervisor/ representative. That to this day has been unable to explain to me. I would like Wells Fargo to take responsibility for what their employees has said they would do, reinstate my XXXX credit limit / credit report back to standards. 
Ive been an excellent customer on all my Wells Fargo accounts. I dont deserve this inconsiderate behavior.

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 2025-11-10 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 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 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 2025-11-10 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: 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 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 2025-11-10 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 sending to formally dispute several inaccurate items on my credit report that have caused significant harm to my financial reputation and are not being reported in compliance with the Fair Credit Reporting Act ( FCRA ).

Under FCRA 602 ( a ), I am entitled to fair and accurate reporting of my credit history. FCRA 607 ( b ) requires credit reporting agencies to maintain maximum accuracy in all reported information. Additionally, FCRA 611 ( a ) grants me the right to dispute and request reinvestigation of any unverifiable data, while FCRA 623 ( a ) holds furnishers responsible for reporting complete and accurate information. Finally, FCRA 605 ( a ) prohibits the continued reporting of outdated or unverifiable items. 

XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 done with the runaround. XXXX XXXX is reporting a charge-off with a {$0.00} balance on my credit reports to all three bureaus and I have never received any written validation, explanation, or proof showing how this makes any sense. Ive disputed this multiple times, and all I get back are lazy verified replies from the bureaus or automated identity-theft responses none of which is factual verification or documentation. Thats unacceptable. 
You ( XXXX XXXX ) and the credit bureaus are paid billions to get this right. It is your JOB to verify and to prove what you report. If you can not produce the basic records the account statement, payment history, charge-off notice, or explanation of how a {$0.00} balance was charged off then this tradeline is false and must be removed immediately. 
This conduct violates the Fair Credit Reporting Act and basic XXXX XXXX standards, including but not limited to : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) requirement for a reasonable reinvestigation when an item is disputed ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted promptly ; FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 3 ) furnishers can not report information they know ( or should know ) is inaccurate and must mark accounts as disputed ; XXXX XXXX Manual 4.2.2, 4.3.1, 6.2.1 require verifiable supporting documentation and correct dispute coding.

I have waited long enough. This has gone on far past 30, 60, and even 90 days of dispute activity and nothing. If XXXX XXXX and the credit bureaus cant provide full written validation proving the legitimacy and accuracy of this {$0.00} charge-off ( including account statements, charge-off documentation, and all payment history ), then remove it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation