vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
CFPB file # : XXXX was responded to on XX/XX/year>, its now XX/XX/year>. FCRA states 30 days for investigation and removal. Transunion is in violation of my consumer rights.

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 2025-11-14 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: LA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for systematically violating the Fair Credit Reporting Act ( FCRA ) by furnishing patently inaccurate and unverifiable information to Experian concerning two accounts : # XXXX XXXX ( Line of Credit ) and # XXXX XXXX  ( Credit Card ). 

Despite a formal dispute submitted to Experian, XXXX XXXX 's subsequent " re-investigation '' was legally deficient. They did not correct the errors but instead provided " updated '' information that is internally inconsistent and logically impossible, proving a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

Specific Evidence of Inaccuracies : Account # XXXX XXXX XXXX The furnisher changed the " past due '' amount from {$5400.00} to {$5300.00} while the principal balance remained a static {$5500.00} for over 12 consecutive months, with corresponding {$0.00} payments reported for each of those months. This is a mathematical and legal impossibility for a revolving account and proves the data is automated and unverified. 

Account # XXXXXXXX XXXX XXXX  The furnisher reported a perfectly static balance of {$7900.00} for 1XXXX straight months, again with {$0.00} payments reported monthly. This robotic data is definitive proof of no meaningful account review. 

This is not an isolated error. It reflects a documented, systemic pattern at XXXX XXXX, which was previously sanctioned by the CFPB in the XXXX Consent Order ( Docket # XXXX ) for furnishing information " it knew or had reasonable cause to believe was inaccurate. '' XXXX XXXX 's willful non-compliance with its FCRA duties has caused tangible harm to my creditworthiness and is ongoing.

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 2025-11-14 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I am filing a complaint against a third-party debt collector for attempting to collect a debt without providing any legally required proof that : 1. I entered into any agreement to pay them or the original creditor ; 2. They have written consent or authorization to collect on the alleged debt ; 3. A valid and complete debt validation exists under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The collector continues to pursue the alleged debt without providing proper documentation and is engaging in deceptive and misleading practices. The debt collector is asserting that I owe a debt but has failed to provide : A copy of any signed contract, application, or agreement showing I entered into a financial obligation. 
A chain of title or assignment establishing that they legally own or have the right to collect the debt. 
Written consent from me authorizing them to contact me or report information to consumer reporting agencies. 
A complete validation of debt, including itemized accounting, proof of amount, and proof of original creditor ownership. 
Despite my requests, they continue to contact me and/or report this alleged debt to credit bureaus, which is a violation of : 15 U.S.C. 1692e false, deceptive, or misleading representations ; 15 U.S.C. 1692f unfair or unconscionable collection practices ; 15 U.S.C. 1692g ( b ) continuing collection without providing verification ; FCRA 15 U.S.C. 1681s-2 reporting information without reasonable accuracy.

Their actions have caused : Stress and confusion due to deceptive collection attempts ; Potential or actual negative impact on my credit history ; Unlawful attempts to collect without proof of a valid obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Everyday Checking account with account number XXXX. I don't want this account any more and it seems wells fargo is also increasing the minimum balance criteria for this account. 

So please close this account. I called wells fargo toll free #, after so many confusing menu and bots and wait time-I can not figure out how to reach out to human being. 

Whatever is the balance ( {$730.00} ), please send it to my last address on file.

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 2025-11-14 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: VA

Complaint narrative:
I am submitting this complaint regarding the following accounts currently reported on my credit reports. The information provided below includes charged-off accounts, inquiries, positive accounts, and late payments. I am requesting that the inaccuracies, errors, and possible violations be investigated, and the necessary actions be taken to rectify these discrepancies. 


Charged Off Accounts 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 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 2025-11-14 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts on my TransUnion credit report. Please investigate and correct any inaccuracies in the reporting of these accounts : Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX BANK 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
What happened On XX/XX/year>, I was the victim of a fraudulent XXXX transactions.I sent a payment through XXXX after being misled by an individual/merchant who promised to provide specific merchandise/services once the payment was completed. After receiving the money, the individual never delivered what they promised. I attempted to contact them several times, but they stopped responding. The receiving XXXX account appears to be fraudulent. 

This situation is a clear case of fraud, and I immediately filed a dispute with my bank. 



What I did I submitted a dispute to my bank explaining that the transaction was induced by fraud. 
I provided evidence, including screenshots of messages and proof that the person did not deliver what they promised. 
I explained that I was misled into authorizing the transaction and that this meets the definition of fraud under Regulation E. 



What the bank did The bank denied my dispute, stating that because the XXXX transaction was authorized, it can not be refunded. They categorized it as a cash-like transaction and refused to credit my account. 

They closed the claim even after my appeal, and their response did not show that a reasonable investigation occurred. The bank did not address : The fact that I was induced through deception The fraudulent nature of the recipients account Their obligations under Regulation E, which requires a good-faith, reasonable investigation into all circumstances of the transaction Their letter stated only that the transaction was authorized, which does not address the fraud itself. 



Why this is a problem A financial institution is required under Regulation E ( 12 CFR 1005 ) to conduct a reasonable investigation when a consumer reports fraudeven when a transaction was initiated by the consumer but was induced through deception. The banks refusal to consider the fraudulent circumstances and their claim that XXXX transactions can not be refunded violates the intent and requirements of Regulation E.

The banks investigation appears incomplete, dismissive, and not compliant with consumer protection laws.

What I want the CFPB to do I am requesting the following : 1. A full review of the banks handling of my dispute 2. A directive requiring the bank to properly reinvestigate my claim 3. A refund/credit of the fraudulent XXXX transaction 4. Appropriate corrective action if the bank failed to follow Regulation E requirements I am submitting copies of : The banks denial letter My messages with the fraudulent party Evidence showing the individual never delivered the promised goods/services My dispute submissions and the banks responses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 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: IL

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 2025-11-14 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:
There has been an Improper use of my consumer report which violate the fair credit reporting law according to 15 US code 1635, I do not approve or have anything to do with the following accounts, kindly remove. 

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 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 2025-11-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for
{$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-14 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: NV

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED 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 2025-11-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2025-11-14 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: AR

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate, misleading, and unverifiable information being reported by XXXX XXXX XXXX ( XXXX ) on my credit report.

The account appears as : Debt Buyer : Portfolio Recovery Associates Balance : XXXX dollars Original Balance : XXXX dollars Status : Collection account. XXXX dollars past due as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Payment History : Years of C codes listed as if ongoing late payments This reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards

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 2025-11-14 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: NC

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 explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
On XX/XX/year>, I sent my first written request to the credit reporting agencies requesting the update and correction of all personal information in my credit file pursuant to 15 U.S.C. 1681i ( a ), including : Correct Legal Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Last XXXX of XXXX : XXXX I also specifically requested removal of all incorrect or outdated names, addresses, phone numbers, and any other inaccurate identifying information. I included copies of my Florida Drivers License, Social Security card, and a current utility bill. 

When no corrections were made within the required timeframe, I submitted a second written dispute on XX/XX/year>, reiterating the same information and again including proof of identity and residency. 

As of today, none of the required updates have been made, and the credit reporting agencies have provided no written investigation results, no updates, and no acknowledgement of correction despite being legally obligated to do so. 

The credit reporting agencies are in violation of the following FCRA provisions : XXXX. Failure to Investigate and Correct Disputed Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation within XXXX  days of receiving a dispute. 
They have failed to complete any reinvestigation or provide the required written results. 

XXXX. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. 
Allowing known inaccurate name variations, outdated addresses, disconnected phone numbers, and SSN errors to remain violates this requirement. 

XXXX. Failure to Provide Full and Updated Disclosure Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to a full, updated disclosure of all information in their file after submitting a dispute. 
No such updated file has been provided. 

XXXX. Failure to Provide Reinvestigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ), agencies must provide written notice of the reinvestigation results. 
No such notice has been issued. 

This demonstrates a pattern of neglect, disregard of federal law, and failure to uphold consumer rights.

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