vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: MO

Complaint narrative:
Between XXXX and XXXX, I discovered that Equifax, Experian, and TransUnion are reporting numerous derogatory and inconsistent accounts that are unverified, outdated, or legally deficient under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and CFPB Regulation V ( 12 CFR 1022 ).

Despite multiple prior disputes, the bureaus have failed to conduct a lawful reinvestigation under 1681i, failed to require verification under 1681s-2 ( b ), and continue to publish inaccurate, incomplete, and re-aged information.

The following 16 derogatory accounts appear across my reports and remain unverified or inconsistent among bureaus : XXXX. XXXX XXXX XXXX  Charge-off ( {$750.00} ) reported XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Charge-off reported XX/XX/XXXX. 
XXXX. XXXX XXXX Charge-off ( {$34000.00} ) reported XX/XX/XXXX. 
XXXX. XXXX Account Services Derogatory ( {$1900.00} ) XXXX-only ; duplicate closed item appears on TransUnion. 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$210.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$1400.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$780.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1000.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$2500.00} ). 
XXXX. XXXX XXXX XXXX XXXXXXXX ( {$180.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( {$370.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$220.00} ). 

Each furnisher was required to verify accuracy or provide full account-level documentation ( including Forward Flow Agreement and chain of assignment ). No such validation has been produced. Several entries also show inconsistent dates of first delinquency and duplicate reporting across bureausan unlawful form of re-aging that artificially extends derogatory history in violation of 623 ( a ) ( 5 ).

In addition, all three bureaus continue to report outdated addresses and employer information despite written disputes requesting correction under 611 ( a ). The continued publication of unverifiable and duplicate data has caused measurable credit damage and constitutes negligent and willful non-compliance under 616 and 617 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MO

Complaint narrative:
Between XXXX and XXXX, I discovered that Equifax, Experian, and TransUnion are reporting numerous derogatory and inconsistent accounts that are unverified, outdated, or legally deficient under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and CFPB Regulation V ( 12 CFR 1022 ).

Despite multiple prior disputes, the bureaus have failed to conduct a lawful reinvestigation under 1681i, failed to require verification under 1681s-2 ( b ), and continue to publish inaccurate, incomplete, and re-aged information.

The following 16 derogatory accounts appear across my reports and remain unverified or inconsistent among bureaus : XXXX. XXXX XXXX XXXX  Charge-off ( {$750.00} ) reported XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Charge-off reported XX/XX/XXXX. 
XXXX. XXXX XXXX Charge-off ( {$34000.00} ) reported XX/XX/XXXX. 
XXXX. XXXX Account Services Derogatory ( {$1900.00} ) XXXX-only ; duplicate closed item appears on TransUnion. 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$210.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$1400.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$780.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1000.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$2500.00} ). 
XXXX. XXXX XXXX XXXX XXXXXXXX ( {$180.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( {$370.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$220.00} ). 

Each furnisher was required to verify accuracy or provide full account-level documentation ( including Forward Flow Agreement and chain of assignment ). No such validation has been produced. Several entries also show inconsistent dates of first delinquency and duplicate reporting across bureausan unlawful form of re-aging that artificially extends derogatory history in violation of 623 ( a ) ( 5 ).

In addition, all three bureaus continue to report outdated addresses and employer information despite written disputes requesting correction under 611 ( a ). The continued publication of unverifiable and duplicate data has caused measurable credit damage and constitutes negligent and willful non-compliance under 616 and 617 of 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal and Social Security number has been linked and sold on the dark web for the past few years. I issue letters out to all three credit bureaus even call the three credit of bureaus and put a freezing all my accounts and trying to get this matter resolved. Still nothing to this day

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to request validation of the debt referenced above, which is currently being reported on my credit report by your agency. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681-2 of the Fair Credit Reporting Act ( FCRA ), which outlines my rights regarding disputed debts.

Please provide me with the following information : 1. Verification of the amount of the debt.

2. The full name and address of the original creditor.

3. Evidence that your agency is authorized to collect on this debt.

4. A detailed payment history, including any interest and fees since the date of charge off.

5. Documentation showing that I am legally obligated to pay this debt.

As per 15 U.S.C. 1681-2, I am entitled to request this information to ensure the accuracy of my credit report. Until I receive the requested validation, please cease any collection activities and halt reporting this account to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Iam writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against GENESIS FINANCE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

GENESIS FINANCE 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo removed a deposit paycheck from my account and all the personal checks I wrote bounced. They sent an account ledger from the previous months debits stating that my paycheck bounced. I lost XXXX in NSF fees. I also was debited XXXX for a phone bill that was never initiated by me or paid to the cell phone company as a result my cell phone service was disconnected. I filled numerous investigations and my ability to use my debit card was taking away I've never received a dime or explanation from the money missing from my account. I ended up closing the account due to the inconvenience of not being able to use my debit card.

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 2025-10-06 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: CT

Complaint narrative:
To Whom It May Concern : This letter serves as a final and legally binding dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Connecticut General Statutes XXXX regarding your continued and unlawful reporting of the following account : Creditor : XXXX XXXX Account Number : XXXX Account Type : Charge Card Status : Paid, Closed/Never Late Opened : XX/XX/year> This account is under a name that is not mine, and therefore should have never been verified or reported under my consumer file. Despite prior disputes, Experian continues to falsely claim this account has been verified. That is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. It is impossible for Experian to have verified an account that belongs to someone else. 

Your failure to properly investigate and correct this false reporting demonstrates willful noncompliance with FCRA 616617 ( 15 U.S.C. 1681n1681o ) and XXXX Consumer Credit Reporting statutes. Continuing to report and verify information under another persons identity is not only negligent its illegal. 

Under FCRA 611 ( a ) ( 5 ) ( A ) and Connecticut XXXXeneral Statutes 36a-699b ( b ), Experian must promptly delete inaccurate, unverifiable, or incomplete information. You are therefore legally required to remove this account immediately. 

I am demanding the permanent deletion of the XXXX XXXX account from my credit report within XXXX ( XXXX ) days of your receipt of this notice. If this account remains beyond that timeframe or if I do not receive written verification documentation proving the account legitimately belongs to me ( which you will not be able to provide ), I will proceed with : XXXX. Filing a formal complaint with the CFPB ; XXXX. Submitting a complaint to the Connecticut Department XXXX Banking and Attorney Generals Office ; and XXXX. Pursuing civil remedies for willful violation of my rights under both federal and state law. 

You have now been given proper and final notice. Any further failure to comply will be documented and used as evidence of intentional misconduct by Experian. 

This matter must be resolved immediately. Remove the account or provide proof. There are no other options. 

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 2025-10-06 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: T.S. Holdings
State: TX

Complaint narrative:
Dear collector my credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate under the Fair Debt Collection Practices Act. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all of the following : An explanation of what this alleged account balance is for. 
A complete audit real calculation of this balane, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such The agreement that grants you authority to collect on this alleged debt A copy of your state license, including license number that give you rights to collect in my state The purchase agreement Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair credit reporting act IQ DATA INT Original Creditor : XXXX XXXX AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing.

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 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I took out a loan with Bright Lending while residing in California. The loan carries an interest rate well above 35 %, which is far higher than I understood and not clearly disclosed at the time of signing. The installment payment of {$570.00} is significantly higher than expected, and the repayment terms were misleading. 

I believe Bright Lending engaged in predatory lending practices by failing to provide clear disclosure of the Annual Percentage Rate ( APR ), misrepresenting the repayment schedule, and charging excessive rates that may violate California law and consumer protection standards. 

This loan has caused me financial hardship. I request regulatory review of Bright Lendings practices and relief in the form of corrected loan terms, reduced or refunded unlawful interest, and improved consumer disclosures. 

Bright Lending presented repayment terms that were misleading and unclear, leading me to believe the loan would be repaid under reasonable and standard conditions. However, after accepting the loan, I discovered that the interest rate was extraordinarily highfar beyond typical consumer lending limitsand the repayment schedule was structured in a way that made it nearly impossible to pay down the principal. 

At no point were the true costs or total repayment amount transparently disclosed. These practices appear designed to trap borrowers in cycles of debt, a hallmark of predatory lending. I have since experienced significant financial strain and distress as a result of Bright Lendings conduct.

I am requesting that the CFPB investigate Bright Lendings lending and disclosure practices, as they appear to violate consumer protection and fair lending laws. I also ask that Bright Lending be directed to cease any collection activities on this account while the matter is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief