vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NV

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 2025-09-18 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: FL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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.

Complaint narrative:
I am disputing the XXXX account ( XXXX ) being reported on my credit file as fraudulent and unauthorized. I have never opened, authorized, or consented to any account with the creditor in question. The reporting of this charged-off debt is therefore inaccurate, unverifiable, and the result of identity theft or fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX and XXXX, I have the right to demand validation of all information being reported. Unless the furnisher can provide verifiable documentationsuch as a signed original agreement, full account history, and evidence directly linking me to this debtthe account must be immediately deleted from my credit report. 

Continued reporting of this fraudulent account without proof of its legitimacy is a willful violation of my consumer rights under the XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding prompt investigation, removal of the fraudulent charged-off account, and written confirmation once this deletion has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Continuing issues with CREDIT KARMA as stated previously. 

THEY WILL NOT CALL WITH SOMEONE TO ASST ME WITH THEIR NEVER-ENDING CREDIT REPORT & SCORE TEASING E MAILS OF WHICH I CAN NEVER OPEN PAST THE INITIAL TESING EMAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 requesting immediate removal within four days of this fraudulent account from my credit report pursuant to 15 U.S.C 1681c-2, which requires immediate removal of fraudulent information resulting from a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Perfect here are the clean, ready-to-use versions without bureau addresses. You can send these by certified mail, upload them online, or even drop them into a CFPB complaint if needed. 



Dispute Letter ( for Credit Bureaus ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Formal Dispute XXXX XXXX  Account Reporting Inaccurately To Whom It May Concern, I am disputing the reporting of my XXXX XXXX account. The account is currently showing as charged-off with a {$0.00} balance, even though it has been paid in full. This is both misleading and inaccurate.

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), credit reporting agencies must ensure maximum possible accuracy. Continuing to report the account as a charge-off when it has been satisfied fails to meet this standard.

Additionally, under FCRA 623, furnishers are required to provide complete and accurate updates. This account should not be reported
as an open derogatory when it has been resolved.

Requested Action : Please either : 1. Update this account to reflect Paid/Closed, {$0.00} balance, in good standing ; OR 2. If you can not verify and correct it, delete the account entirely under FCRA 611. 

I have attached copies of my identification and proof of address for verification. 

Sincerely, XXXX XXXX Direct Dispute Letter ( to XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate Reporting Paid Account Still Showing Charge-Off To Whom It May Concern, I am disputing the reporting of my XXXX XXXX account . Your records are currently reporting this account as charged-off with a {$0.00} balance, even though it has been paid in full. 

Under the Fair Credit Reporting Act ( FCRA 623 ), furnishers are required to update and report accurate and complete information. Reporting an account as charged-off after it has been satisfied is inaccurate and misleading.

Requested Action : Please either : 1. Update this account to reflect Paid/Closed, {$0.00} balance, in good standing ; OR 2. If you can not verify and correct it, instruct the credit reporting agencies to delete the account entirely. 

I have enclosed copies of my identification and proof of address for verification. 

Sincerely, 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 2025-09-18 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: CA

Complaint narrative:
This item stands in contradiction to my payment practices and appears to have been reported in error. I request its prompt removal.

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 2025-09-18 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I self surrended on car on XX/XX/year>, credit acceptance chose not to pick it up and after 30 days it was impounded. They have on my credit report that it was self surrended months after it actually was and they also are reporting months of nonpayment for months after the car was given back to them before and after they finally picked it up from impound. Also according to my account history they owe me money

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
someone hacked into all my accounts and they were moving money around, they tried to move it into a crypto app and buy crypto and transfer out crypto is what it looked like. 
I noticed the unusual activity and moved what ever I could back to my baks and froze my accounts. and reported fraud. 
A wire transfer in the amount of {$2000.00} was send to the dart bank on XXXX. Wells Fargo, my bank tried to communicate with them and get the money back. however, they are not really doing a good job at investigating, or to figure out where this money is. the date is XXXX and we still have no answers. the XXXX XXXX  is ignoring every request, and it just looks like the money vanished into thin air. the money transfer was going into a kraken account I had opened but didn't use. however, it was never deposited into their either. I have custody of the kraken account as well, no wire transfer has ever been deposited into that account. 
at this point, it looks like an inside operation for banks to steal money, maybe a rouge employee at the dart bank, stealing wire transfers. when I called to get some answer, they told me the system makes mistakes, and the system is always down, who knows what happened to the money. that is crazy, cause they are a bank and aren't supposed to just lose all the wire transfers and deposits. all these banks, the XXXX XXXX, Wells Fargo bank and XXXX need to be investigated for inside operation of stealing money at this point. this cyber criminal could have possibly been caught as well, but no one seemed to care. I was told {$2000.00} is such a little amount that it isn't worth spending money on the investigation or catching the criminals. however, I doubt I was the only mark. and it could have easily been my entire life savings if I didn't act quick. these banks are unethical! and need investigating

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 2025-09-18 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXX/XX/XXXX, Date Opened : XX/XX/year>, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
So my wife got a check from treasury and we went to the bank to cash it and I tried adding her to my account to cash the check but that didnt work so they said she can just sign it over so we both showed id and socials and she signed it over to me which was about 3 months ago.So 3 days before I was supposed to get the money they closed my account due to fraud and having to verify it with a XXXX party so I went and bought her a phone put her on a plan and now we have waited 3 months for it to get verified with us cellular has done everything they can so now u guys are holding my check from me which this is happening everywhere and not returning my money. So how else can I get this check back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last XXXX I changed my autopay source. To do so I had to cancel the existing and sign up the new payment method. They delayed the autopay setup. I was not aware and they cancelled my account for nonpayment. I was then unable to make payments online. I tried calling but wait times were rediculously long. When I spoke to someone I asked if they would open my account back up and they said no. Then at some point the opened it back up charging me late fees and interest. When I spoke to them they said they could not help. Today I had a long chat that resulted in nothing. A supervisor called at my request the he told me he could not help. I called in a few minutes ago and paid the balance off over the phone. They refused to accept any responsibility for their poor customer service and refused to help with the late fees. I will cancel the account tomorrow after I know the final payment went through. They were rude and insulting. I will never use BofA for anything ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 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 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 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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA XXXX ( b ) Dear Collection Agency, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ).

Please provide me with the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately.

This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, 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 2025-09-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation