vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
" XXXX  '' date fraud began : XX/XX/XXXX {$4100.00}. " XXXX '' ( XXXX XXXX ) date fraud began XX/XX/XXXX {$1900.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX {$1800.00}. " XXXX/XXXX  '' date fraud began : XX/XX/XXXX {$0.00} balance, {$600.00} credit limit. Date fraud began are the dates account were opened according to 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 2025-06-20 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: WA

Complaint narrative:
" XXXX  '' date fraud began : XX/XX/XXXX {$4100.00}. " XXXX '' ( XXXX XXXX ) date fraud began XX/XX/XXXX {$1900.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX {$1800.00}. " XXXX/XXXX  '' date fraud began : XX/XX/XXXX {$0.00} balance, {$600.00} credit limit. Date fraud began are the dates account were opened according to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA 605B ) To Experian : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within 4 business days of receiving this complaint. This information is the direct result of identity theft and fraud. 

The fraudulent accounts include : XXXX : Collections account from XXXX balance $ ( private ), linked to a personal loan.

These are fraudulent collections appearing on my FICO credit report, a copy of which is attached for your review.

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right under the 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: UT

Complaint narrative:
XXXX XXXX and XXXX  are reporting incorrect loan balances for my account. Why? XXXX  has it some what correct but better than the other XXXX. It is your responsibility to report accurate and updated information to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I am filing a formal dispute regarding a paid collection account being reported by Fair Collections & Outsourcing on behalf of XXXX XXXX. This account was paid in full and has a {$0.00} balance, yet it continues to report as a derogatory collection account. 

Per the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate, complete, and not misleading. Reporting a closed and paid collection as a negative tradeline even after the balance is {$0.00} is unnecessarily punitive and does not reflect the current status of the account. The original debt has been resolved and should not continue to harm my credit profile. 

Additionally, under 15 U.S. Code 1681i and 1681s-2, if the information is disputed and not fully verified, it must be corrected or removed. The continued negative reporting of a zero-balance account is inconsistent with accurate reporting standards and provides no benefit to creditors evaluating current risk. On my equifax & transition 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: NC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX was informed that I would be paying them this money for a settlement and ended up paying a little over {$700.00} XXXX really believe it was around {$760.00} actually for my credit to be paid off for the debt that was owed for XXXX XXXX For XXXX XXXX and for XXXX XXXX and no funds went to any of these debts due to the fact of credit stage interfering with the call and lying stating that they were a part of the services for XXXX XXXX XXXX I asked for the phone hall to be reviewed the young lady had nothing to say and it was from a foreign agency something that was completely a scam and I called and reported it and nothing happened This was so bad and I was so sad about the whole issue and this actually stopped my family from purchasing a home because of this now we have to wait until they give us our money back I canceled the services XX/XX/XXXX after the XXXX XXXX XXXX  could not come to term agreement with this Which I felt was completely waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$51.00} through XXXX using my Wells Fargo account to someone on XXXX who said they were selling football cards. After I paid, they gave me a USPS tracking number but it showed delivery to XXXX, IL, and I never gave them my address at all. I never received anything. 

Im only XXXX XXXX XXXX, and I was just trying to buy some football cards I was really excited about. Instead, I was scammed by someone who used fake shipping info and completely took advantage of me. I have full proof that I was tricked, including : A screenshot of the XXXX payment USPS tracking showing the item went to a city I dont live in Screenshots proving I never gave them my address A full chat showing how I got scammed and never received anything I contacted Wells Fargo right away, but they told me theres nothing they can do because XXXX payments are final. That doesnt seem fair. This wasnt a mistake it was fraud. 

Ive already reported it to the U.S. Postal Inspection Service for mail fraud, and now Im asking for your help. I just want Wells Fargo to investigate this and help me get my money back. This has been really upsetting, and I hope someone finally takes it seriously.

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 2025-06-20 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: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-06-19 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I disputed this debt. I suspect identity theft or mistaken identity. Debt was removed but then reinstated on credit reporting databases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have contacted and submitted identification and proof of identity including name and address. But they refuse to remove negative remarks on credit files. The person who owes the debt is a XXXX XXXX I am XXXX XXXX. They also have my address as XXXX XXXX XXXX XXXX  XXXX XXXX in. My address is XXXX XXXX XXXX XXXX il XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-20 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: OH

Complaint narrative:
Hi! I wanted to ask u if you could remove some of the items from my file. u can tell by lookin at the report, but I was defnitely victimized by identity theft, and I did not make this charge. I ned to get those removed really bady so I can repair my credit report. I did report the identity theft to the Federal Trade Commission, and I have copies of their Identity Theft Affidavit attached as well. If you could get those removed as soon as possible.

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 2025-06-20 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: OH

Complaint narrative:
Hi! I wanted to ask u if you could remove some of the items from my file. u can tell by lookin at the report, but I was defnitely victimized by identity theft, and I did not make this charge. I ned to get those removed really bady so I can repair my credit report. I did report the identity theft to the Federal Trade Commission, and I have copies of their Identity Theft Affidavit attached as well. If you could get those removed as soon as possible.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for willfully and/or negligently reporting inaccurate information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 



Despite my formal dispute sent, Experian has failed to reasonably investigate or correct inaccurate and unverifiable information related to the following item ( XXXX ) : XXXX XXXX XXXX incorrect information reported This violates my rights under : 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to remove unverifiable information from my report after reinvestigation.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, making them liable for damages, costs, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance with the FCRA, also allowing for recovery of actual damages. 



The agency has not provided sufficient evidence of the accuracy of the disputed item ( XXXX ), nor have they removed the inaccurate entries. As a result, I have suffered negative impacts on my creditworthiness and access to financial services.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
They run my credit report without my knowledge. So need this financial company off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
They run my credit report without my knowledge. So need this financial company off my 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
TRANSWORLD KEEPS HARRASSING ME CALL FALSE REPORTING VIOLATIONING CEASE AND DESIST RECEIPT KEEPS UPDATING MY CONSUMER REPORTS WONT DELETE CFPB REALLY NEEDS TO SUE THIS FRAUDULENT COMPANY ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my 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 non-monetary relief