vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I discovered multiple unauthorized hard credit inquiries on my credit report from companies I didnt authorize to access my credit file. These are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries appear to have been made fraudulently, possibly due to identity theft or misuse of my personal information. These inquiries were not made by me. 

Please remove these fraudulent inquiries asap. 

I have submitted a dispute letter to the credit bureaus requesting removal of these inquiries and filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries on my credit report from companies I didnt authorize to access my credit file. These are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries appear to have been made fraudulently, possibly due to identity theft or misuse of my personal information. These inquiries were not made by me. 

Please remove these fraudulent inquiries asap. 

I have submitted a dispute letter to the credit bureaus requesting removal of these inquiries and filed a report with the FTC.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Im disputing a 30-day late payment reported by Wells Fargo on my WFBNA credit card in XX/XX/XXXX. I have had this account since XX/XX/XXXX, and this is the only negative item on my credit report. When the late mark first appeared, I called Wells Fargo immediately. They acknowledged the situation and agreed to remove it which they did. However, a few months later, the same late payment reappeared on all three of my credit reports. 

Since then, I have tried to speak with someone at Wells Fargo almost every month, but have not received a clear explanation. I also filed a formal dispute through the credit bureaus, but the late payment was simply verified without any documentation or reasoning provided.

This late payment is now affecting my credit score despite having been initially removed, and it continues to report inaccurately. The repeated reappearance of this entry after removal is especially concerning. Im asking that this late payment be permanently removed from my report, either as a resolution under the Fair Credit Reporting Act or as a correction to an error that was already acknowledged by Wells Fargo.

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 2025-08-07 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am submitting this update regarding my ongoing complaint. The collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX both relate to a XXXX debt that originated before XXXX. 

XXXX XXXX already sued me in court and won a default judgment. That legal action resolved the matter. Now, XXXX XXXX XXXX is trying to collect and report the same exact debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Additionally, Equifax is attempting to delay the investigation by requesting identity documents that were already submitted through the CFPB portal. This violates FCRA 611 ( a ), which requires a timely and reasonable investigation regardless of the dispute method. 

Both XXXX and XXXX are reporting re-aged accounts by updating the " Date Opened '' or " Date Updated '' fields to reflect recent XXXX dates, despite the debt originating before XXXX. This violates : FCRA 605 ( a ) 7-year limit on reporting collection accounts FCRA 611 ( a ) ( 1 ) ( A ) Reasonable investigation requirement FCRA 611 ( a ) ( 7 ) No method of verification has been provided FCRA 607 ( b ) Maximum possible accuracy Metro 2 Guidelines Re-aging of Field 17 ( DOFD ) and misuse of Date Opened This is a serious issue of double collection, re-aging, and stalling via CFPB-submitted dispute . I am demanding immediate deletion of both accounts from my credit report. 

Attached is the stall letter from Equifax dated XX/XX/XXXX, and I can provide further documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had no involvement in the creation of these accounts. As they are fraudulent, please remove them in accordance with USC 1681g within the 15-day window. Evidence has been included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be a Citibank Manager warning me they received information that funds were at risk of being taken from my checking account through XXXX and immediate action needed to be taken to stop this fraud. Citibank said they could not stop the transfer of funds only the account holder could and said they would walk me through the steps as they connected me with a XXXX Executive Manager in their Fraud Department. Under that false guidance I was to stop this transaction by supplying the number given to me earlier from XXXX XXXXThe numbers supplied to XXXX were reported to be cancelation numbers to block the transaction. The Citibank Officer stayed on line to walk me through the process. None of this was true.

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 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection entry listed on my credit report related to my account ( Account Number : XXXX. This account has been reported as a collection and subsequently written off, yet I have not received a Form XXXX, Cancellation of Debt, which is required for the IRS and impacts the accuracy of its reporting on my credit file. 


Background The collection account in question was reported by CAPITAL ONE AUTO. While I acknowledge that the debt initially existed, I contest the continued reporting of this collection status due to the following reasons : 1. Written Off Account : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), a creditor must furnish accurate information when reporting to credit agencies. Since this account has been written off, it does not accurately represent my current financial obligation.

2. Lack of Form 1099-C : Under IRS guideline IRC 108 ( e ) ( 2 ), cancellation of debt income must be reported. The absence of a Form 1099-C indicates that this debt has not been considered canceled under IRS requirements XXXX thus implying that the debt is still owed. Therefore, it should not appear on my credit report as a collection account.

3. Fair Credit Reporting Practices : The FCRA requires that reporting agencies ensure the accuracy and integrity of the information they provide. Reporting a canceled debt without proper documentation and IRS notification constitutes a failure in maintaining accurate records ( FCRA 1681i ).

4. Consumer Protection : According to FCRA 609, I have the right to request any information and documentation regarding debts that are reported on my credit file. The lack of a 1099-C suggests that this debt should not carry the weight of collection status on my credit report.

Request for Action I kindly request that you investigate this matter and remove the inaccurate collection entry associated with the above-mentioned account from my credit report. The continued reporting of this account is not only inaccurate but is also having a detrimental effect on my credit score and financial opportunities.

Please respond with the results of your investigation and any actions taken to correct this issue. 


Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
These accounts were not opened by me and are signs of fraud. As mandated by USC 1681g, please delete them within 15 days. Evidence has been provided.

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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
* * Statement of Ledger Discrepancy : Primera Financial Account # XXXXXXXX XXXX XXXX  To Whom It May Concern, I am writing to formally document and dispute significant inconsistencies observed between the online payment records displayed on the Primera Financial Corp 's payment portal and the corresponding past due balances reflected for my vehicle loan account # XXXX, associated with a XXXX XXXX XXXX  XXXX. 

Upon reviewing the account on multiple occasions via the official PayNearMe application interface, I have retained screenshots showing discrepancies in the * * past due amount * * and * * monthly payment amount * *, which are both critical indicators of the financial standing of my loan. Specifically : 1. On one occasion, the * * past due amount * * is listed as * * \ {$3700.00} * *, with a current monthly payment of * * \ {$250.00} * *. 
2. Shortly thereafter, the * * past due amount * * appears as * * \ {$3500.00} * *, again with the same monthly payment of * * \ {$250.00} * *. 
3. Most recently, the * * past due amount * * increased to * * \ {$4700.00} * *, while the monthly payment unexpectedly rose to * * \ {$320.00} * * despite no formal notice of adjustment to the loan terms, interest rates, or repayment plan. 

All three records show the same * * due date of XX/XX/XXXX * *, with a * * recent payment * * made on * * XX/XX/XXXX * * in the amount of * * \ {$200.00} * * ( excluding processing fee ), which was processed successfully through XXXX XXXX. 

These shifting amounts raise substantial concerns regarding : * The accuracy and integrity of Primera Financials internal ledger management. 
* Potential errors or misapplications of payments. 
* Unexplained modifications to loan terms or balances. 
* The legality of balance reporting practices, particularly in regard to consumer protection and loan servicing laws. 

As a customer, I have made payments in good faith and request an immediate reconciliation of the account, including a full audit trail of transactions and interest calculations. These discrepancies are not only confusing and misleading but may also represent a breach of contract or financial misrepresentation. 

I am requesting legal review and intervention to investigate the accuracy of these records and determine whether financial misconduct has occurred. Supporting screenshots and payment confirmations are attached for reference. 

Sincerely, XXXX XXXX XXXX XXXX Account # XXXX Vehicle : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I sent a transaction of {$200.00} from my cashapp account to a friend who is also a cashapp user. The transaction was supposed to be immediate, but it remained pending and did not go through. I called cashapp to ask about the issue, and they informed me that the Cashapp Compliance department needed to review the transaction because of the description ( they would not clarify why ). They told me that a decision would be reached within 2 days and that the decision would have one of these results : the transaction would either be allowed to go through or the money would be returned to me. They said at absolute maximum, that money is always returned after 14 days to the original sender if the compliance team does not reach a decision. Someone from the compliance team reached out over email asking me to explain the purpose of the transaction, which I responded to promptly and explained ( the money was to pay my friend back for food ). It is now XX/XX/XXXX and XXXX from Cashapp Compliance has not responded to my email or my multiple follow up emails. I have called cashapp support many, many times in the meanwhile. I am always told that they are unable to directly contact their own Compliance team or put me in touch with the team, and that all they can confirm is my case is still open. Two managers have reached out to me over email and will only state that my complaint has been noted. They haven't responded to my questions asking for a timeline for the resolution or any other information. The {$200.00} has still not been returned to me or received by my friend. We are both broke XXXX  XXXX  so neither of us can afford to be out this money, and we are both customers of cashapp. I am happy to provide any other information needed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
In XXXX  I purchased a XXXX phone, and I decided to return it because I saw another phone that I liked better. So I returned it and was refunded my {$1000.00}, then months later I get multiple calls and emails with Jefferson capital not knowing that, the company handles XXXXXXXX XXXX debt, so I ignored it as spam, or just a scam, and so last year I tried dispute it last year but I didn't get no where with it and I'm still getting emails from the company about collecting the debt even though I returned the product which was refunded back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I do not unfortunately have much information that pertains to the actual case, although I do know it is being handled through XXXXXXXX XXXX XXXXXXXX. They have made no attempt to contact me prior and have already initiated a garnishment on my wages without offering any sort of solution or payment plan. I am already dealing with one hardship, I make just barely over a grand biweekly and theyre garnishing 25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
My personal and financial information has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. 

I did not give access nor was I notified to give access to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX access to share my personal and/or financial information.

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