vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I have no connection to this account and dispute it.

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 2025-11-26 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: LA

Complaint narrative:
I am requesting the CFPBs assistance because Equifax is reporting several accounts and inquiries that I believe contain inaccurate, incomplete, or unverifiable information. I am asking for a full reinvestigation under the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute PORTFOLIO Acct : XXXX XX/XX/XXXX {$570.00} XXXX XXXX Acct : XXXX XX/XX/XXXX {$480.00} XXXX XXXXXXXX Acct : XXXX XX/XX/XXXX {$460.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$460.00XXXX XXXX XXXX Acct : XXXX XX/XX/XXXX {$0.00} XXXX Acct : XXXX XX/XX/XXXX {$620.00} Some of these accounts appear to include inconsistent dates, incorrect balances, or unverifiable details when compared to other bureaus. I request that Equifax confirm the accuracy of each account directly with the furnishers and delete anything that can not be fully validated. 

Inquiries in Dispute XXXX  XX/XX/XXXX This inquiry appears without my clear authorization. I request validation and removal if it can not be verified with proper permissible purpose. 

Late Payment in Dispute XXXX XXXX XXXX Acct : XXXX This late payment appears inaccurate and inconsistent. I am requesting a full review and validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 respectfully submit this letter as my formal dispute of the accounts listed. I have no relationship to them and did not authorize their establishment. Please remove and review accordingly. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-26 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I had a XXXX XXXX credit card charged off in XXXX through XXXX XXXX. The debt was sold to Cavalry Portfolio services in XXXX. They added on court costs and also added on their own interest fees after buying from the original account owner which was not allowed per the original agreement. They sued me in court and obtained a judgement but even the judgement says less than what is being reported. The judgement allowed for court collection costs only in addition to the original charge off yet they are still adding fees which were not granted by the judge therefore reporting what the wish to receive not what is actually owed, I have document they sent me even showing this after the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
TORRES CREDIT SRV is falsely reporting on my credit. I have never had any accounts with them. Per my research TORRES CREDIT SRV is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

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 XXXX 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 XXXX 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.

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 2025-11-26 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: IL

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 XXXX 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/year> my debit card was stolen when I was on vacation in XXXX XXXX. The person who stole it charged it to his personal bank account XXXX XXXX. The amount totaled {$1300.00}. I went to the police station there and they informed me that I should contact the bank and dispute the transaction. Within XXXX hours I contacted the bank and disputed the transaction. They then initiated the transaction and sent me a new debit card on expedited shipping. On XX/XX/XXXX the charges had settled and they initiated me a provisional credit. On XX/XX/year> I saw a negative amount in my bank account in the amount of {$1300.00}. I contacted the bank and talked to the claims department and they said the bank had denied it because I had my card at the time so they deny any fraud. However I countered saying it was impossible for me to have the card when it was stolen and the bank had send me a NEW card EXPEDITED. They then put me on hold stating that the evidence points to no fraud still and I requested for what evidence and they failed to provide me any information. They are trying to make me pay for money that was stolen for Me and use lies to find ways to deny disputes.

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 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit report by the following credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). Below are the details of the accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Inquiries : None Positive Accounts : None Late Payments : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-11-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

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 2025-11-26 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: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting charged-off accounts that contain information I believe is inaccurate or unverifiable. I am requesting a full reinvestigation. 

Accounts in Dispute XXXX  XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Amount : {$2800.00} XXXX Acct : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Amount : {$190.00} Some of the reporting details appear inconsistent with other bureaus, and I am unsure whether the furnishers have properly validated these debts. I request that TransUnion verify each account and correct or remove anything that can not be confirmed as accurate.

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 2025-11-26 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: NC

Complaint narrative:
This is my fifth and final dispute regarding the XXXX XXXX account listed below. The information currently being reported is inaccurate, incomplete, and/or unverifiable, and despite multiple disputes, your agency has failed to correct or remove it as required by federal law. 

Account in Dispute : XXXX  XXXX Reported Items : Charged off as bad debt Collection/Charge-off Derogatory Over Credit Limit ( Balance ) I have repeatedly exercised my rights under the Fair Credit Reporting Act ( FCRA ), including FCRA 607 ( b ) and 611 ( a ), which require consumer reporting agencies to ensure maximum possible accuracy and to delete any information that can not be fully verified. The continued reporting of this account in its current form demonstrates non-compliance with these requirements. 

Because the derogatory information associated with this account remains inaccurate, incomplete, or unverifiable, I am demanding a full reinvestigation and documented verification. If such documentation can not be produced, federal law requires deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Ogden Holdings, LLC
State: TN

Complaint narrative:
I opened this loan last year. For {$500.00}. I work in the finance industry and have knowledge of policy and procedures. I have not abused this in anyway. My account had became delinquent with XXXX XXXX XXXX. I called the office to request to stop the harassing rude phone calls and threats to sue if no payment is made. Ive called this office to discuss my account and spoke to the manager she was extremely was rude, spoke over me and was argumentative and disrespectful. She did Not allow me to speak or make a payment. This was on the week of XX/XX/XXXX. I have a right to request for XXXX loan to do not call my job and stop threatening me via phone and voicemail. They labeled me as rude as an office nd noted my account as such. I requested to speak to the managers boss and she refused to forward my complaint. She would not provide any information to file a complaint or speak to her supervisor. XX/XX/year> I called to make a payment. I started the conversation off politely by asking them to not threaten me to file legal action. She stated your account is being sent over to XXXX and XXXX because you have been rude ever since you opened the loan. Your in the same business as XXXX and your account is past due. She proceeds to say you are not speaking to my supervisor and Im not speaking to you anymore your account is being sent off and hangs up the phone. I called back and I provide my name and she say Im not talking to you and if want to discuss your account call XXXX and XXXX and hung up again. 
Ever since I opened this account they have labeled me as rude uncooperative. I want phone called pulled to prove the treatment provide is based on personal feelings towards me. They have sent my account to XXXX and XXXX based on personal feelings. The advised I was filing bankruptcy and the continued to pursue collection activities. I spoke to XXXX and XXXX those are the XXXX individuals that are located in that office that handled my account.

Company response to consumer: Closed with explanation