vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
b'Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit\nreport under Section 605B of the Fair Credit Reporting Act.\nThe specific information I am disputing is as follows:\nFRAUDULENT INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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 HAVE SOME INACURRACIES ON MY CERDIT REPORT THAT NEED TO BE REMOVED IMMEDIATELY!!

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 2025-10-20 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: FL

Complaint narrative:
I HAVE SOME INACURRACIES ON MY CERDIT REPORT THAT NEED TO BE REMOVED IMMEDIATELY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. and XXXX ( a division of XXXX XXXX  ) for inaccurate late payment reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

XXXX is reporting two late payments on my Experian credit file for XX/XX/year> and XX/XX/year>. These late entries were reported without proper notice or the contractual grace period being honored.

Under FCRA 1681s-2 ( a ) and 1681i ( a ) ( 5 ) ( A ), furnishers and credit bureaus are required to report only accurate, verifiable information and must delete unverifiable data following a consumer dispute.

I previously contacted Experian disputing these entries and requested verification, but no documentation was provided showing that XXXX properly notified me before reporting the delinquencies or that the payments were legitimately late per account terms. The reporting therefore remains unverified and inaccurate. 

I am requesting that the CFPB direct Experian and XXXX to : 1. Conduct a full reinvestigation of the account.

2. Provide complete verifiable documentation for the alleged late payments.

3. Delete the late payment entries if proof of proper notice and grace-period compliance can not be produced.

4. Provide written confirmation of correction or deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Business Checking Account online in early XX/XX/year> and transferred {$25000.00} to fund the account. I was supposed to receive a debit card in the mail, but I never did. When I logged in to review my account, I noticed two unauthorized transactions posted on XX/XX/XXXX totaling {$33.00} ( {$19.00} and {$14.00} ) at a XXXX in XXXX, CA. These charges were made with a card ending in XXXX, a card I never received. 

I immediately called to file a claim, fully expecting the bank to resolve the issue since the card was never in my possession and my funds were clearly compromised. However, about two weeks later, I received a letter from the bank denying my claim, which left me confused and frustrated. 

On XX/XX/year>, I spoke with XXXX, a Resolutions Manager, who informed me that they would not be refunding my money. She explained that, according to their policy, because the transactions were made with a digital wallet, they determined there was no fraud. I explained that this made no sense, I never received the card, so I couldnt have added it to any digital wallet to make those purchases. 

I opened this business account and transferred funds from another bank to Wells Fargo believing it would be a secure and reliable institution. Instead, this experience has been a complete nightmare. XXXX even advised me to contact the merchant directly, which should be the banks responsibility in a fraud case. 

While the dollar amount may be small, this situation raises serious concerns. If the amount stolen had been larger, I have no confidence I would have been protected. I feel the bank failed to provide adequate security, failed to protect my financial assets, and is now treating me as if Im at fault. I am extremely upset and disappointed with how this situation has been handled.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding an inaccurate and potentially unlawful debt collection item that is currently being reported on my credit report. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in its removal if appropriate. believe this debt is being reported in error, and I have taken steps to resolve the matter directly with the credit bureaus and the debt collector, but the issue remains unresolved. Specifically. I [ do not recognize this debt/ believe this debt was already paid / believe this debt is past the statute of limitations/ never received proper validation adjust as applicable ]. I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but the collector failed to provide sufficient documentation.The account is older than 7 years and should no longer be on my credit report under the Fair Credit Reporting Act ( FCRA ). ] Details of the Account : Creditor Name Debt Collector/Agency Account Number Amount Credit Report Bureaus Affected : [ XXXX, XXXX, XXXX  list as applicable ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for continued reporting and collection activity on an unvalidated debt.

This company violates the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ).

I requested validation of this alleged debt multiple times. XXXX  responses dated XX/XX/XXXX, and XXXX, XXXX failed to include any signed agreement, itemized billing, or proof of ownership of the debt. Each letter listed a service date of 00/00/00, which is not valid documentation of any transaction or obligation.

Despite this failure to verify FDCPA 809 ( b ), XXXX continues to furnish this account to XXXX and XXXX  as a verified collection, reporting a balance of {$1300.00} and damaging my credit standing.

This conduct also violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), as XXXX is knowingly furnishing inaccurate and unverified information after receiving direct disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX XXXX XXXX has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : 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 2025-10-20 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: IN

Complaint narrative:
On XX/XX/XXXX, my son sent me {$450.00} on cash app to repay a loan I gave him. I clicked on instant transfer, but instead of going into my account it was sent to a company called The XXXX XXXX I contacted Cash App three times trying to correct this issue and each time was told they would go over it and contact me within 10 days. The first two responses said I had transfered it so it was my fault. The third time they never even bothered to contact me. I tried to contact The XXXX Bank to see if somehow an account was created in my name. They said they did not have anything with my name or information. I reported this to Cash App explaining that their service had been hacked and that it had cost me {$450.00}. I sent them screenshots of the transactions along with the information from XXXX XXXX Bank and they again said they would investigate. I waited patiently for another two weeks and when I looked for a message they sent an email saying they hadn't heard back from me in three days and that I should file another report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Experian is hurting my credit by continuously providing incorrect and inaccurate information on my credit report pertaining to multiple accounts listed. 

Experian has also continuously suggested that they have nothing to do with the reporting and that they are unable to remove inaccurate information. 

Experian also has allowed fraudulent hard inquiries to persist on my credit report these were inquiries that I did not authorize.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management , Inc. attempted to collect a debt from me with which I have never entered into any contractual agreement. Upon receiving their claim, I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) to request validation and proof of claim. Midland Credit Management failed to provide the required documentation to substantiate their claim. As a result, their noncompliance activated my self-executing agreement, under which they became liable for administrative fees as outlined in my notice and invoice correspondence. 
On XX/XX/year>, the court issued a notice of motion for summary dismissal of their claim, confirming that there was no legal basis for Midland Credit XXXX action. Despite this, the company has continued to report the alleged debt to credit reporting agencies. Their refusal to remove this derogatory entry constitutes further violation of federal credit and debtor protection laws. Consequently, I have continued to enforce the self-executing contract through invoices reflecting accrued fees, which Midland Credit Management has failed to satisfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
mytrueidentity.com ( Part of Transunion ) has a VERY SERIOUS SECURITY issue. The company does not verify email address authentication before allowing customers to create an account. 

mytrueidentity does verify phone number and last 4 digits of the social security number to associate the correct user history with the account but if a customer mistakenly uses an incorrect email address as the username ( for example : XXXX instead of XXXX ) they can still access the account with a one-time verification code via their phone or answer the security questions. The problem is that once you enter an incorrect email address, you have access/history to their security alerts. Granted you do not have access to their social security credit history but you can access the websites and credit cards that have had data breaches. To top it off, you can not change your username, which is the email address. 

I tried to explain to an overseas Transunion, XXXX XXXX XXXX Confirmation #, who would not take issue seriously. I requested that I be transferred to someone in the US but they would not.

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 2025-10-20 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: Experian Information Solutions Inc.
State: IL

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 XXXXXXXX * * * * * * * * * * * * * * XXXX XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Approximately XXXXXXXX XXXX  ago in XXXX of XXXX, Capital One discontinued my card usage. It had just received a payment in the amount of {$1600.00} onto the card. They have continued charging me monthly regardless of no access to the account. 

First of all, this was a credit card that allowed me to have up to {$2000.00} of my money to use. The only money that could ever be used on this card was the amount of money I put on the card. They are stating that I still owe them over {$2000.00} onto the card which is absolutely false! 

The result of their actions have destroyed my credit and brought to poor status. They have been totally corrupt in keeping my {$1600.00} that I put on the card prior to them closing my account. Then they continued charging me while the account was closed. That has to be criminal in their actions.

Company response to consumer: Closed with explanation