vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: DE

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-15 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
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 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 2025-10-15 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: GA

Complaint narrative:
I am a victim of Identity theft and would like all accounts associated removed.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2025

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Account LVNV Funding LLC / Resurgent Capital Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to dispute the accuracy and completeness of the following account appearing on my credit report under LVNV Funding LLC, serviced by Resurgent Capital Services. The reported information is inaccurate and violates provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : The account is not being reported accurately. It is listed as an Open Account with a XXXX XXXX XXXX XXXX XXXX Account, which is incorrect for a collection account. Under FCRA XXXX ( A ) and XXXX ( B ) [ XXXX U.S.C. XXXX ( b ) ], credit reporting agencies must ensure maximum possible accuracy. A collection account should not be reported as open or revolving. 

LVNV Funding LLC or Resurgent Capital Services is not the original creditor. The report lists XXXX XXXX Bank XXXX. as the original creditor, meaning LVNV Funding or Resurgent Capital Services is a third-party debt buyer. Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information must only report information that is complete and accurate. The relationship between XXXX and the original account has not been validated. 

No verification of ownership or assignment has been provided. Per FDCPA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ], a debt collector must validate the debt upon request before continuing collection or reporting activity. If LVNV Funding or Resurgent Capital Services can not provide a signed contract, full account history, and proof of purchase from XXXX XXXX Bank, this account must be deleted immediately. 

Re-aging or incorrect date reporting. The date opened ( XX/XX/year> ) does not correspond to any account I opened. This could be construed as a violation of FCRA XXXX ( c ), which prohibits changing the date to extend reporting beyond XXXX years from the original delinquency. 

Requested Action : Conduct a full reinvestigation under FCRA XXXX [ XXXX U.S.C. XXXX ]. 

Verify ( XXXX ) the debts validity, ( XXXX ) ownership by LVNV Funding LLC, and ( XXXX ) correct account type/status. 

If accurate documentation can not be produced, delete this account entirely from my credit report. 

Please provide written confirmation of the results of your investigation and a new copy of my credit report once corrections are made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because my credit report with TransUnion contains fraudulent charge-off accounts that I did not authorize or provide. I have submitted my identification, Social Security number, and proof of current address to support my claim. 

I found a fraudulent collection account reported by XXXX XXXX with ( without ) account number XXXX opened on XX/XX/year>, with a balance of {$440.00} I did not authorize or open this account, and I have no knowledge of it. 

This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : - XXXX U.S.C. XXXX Right to dispute and have inaccurate or unverifiable information removed - XXXX U.S.C. XXXX Furnishers must not report inaccurate information - XXXX U.S.C. XXXX No permissible purpose for accessing or reporting this account - XXXX U.S.C. XXXX Prohibits false or misleading representations in debt collection ( FDCPA )

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am writing this complaint out of absolute certainty and deep frustration. There are several errors appearing on my credit report that I can no longer overlook. These inaccuracies have been severely affecting my credit score and overall financial well-being, making it difficult for me to move forward and achieve financial stability. It is disheartening to see such errors persist despite my ongoing efforts to have them corrected.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized XXXX  inquiries that I do not recognize. I contacted the credit bureaus to dispute these XXXX  inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them from my report. This issue is causing undue stress that is negatively affecting my financial 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized XXXX  inquiries that I do not recognize. I contacted the credit bureaus to dispute these XXXX  inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them from my report. This issue is causing undue stress that is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This related to my small business account with Wells Fargo. I deposited a client 's check for {$7500.00} on XX/XX/year> which was also a Wells Fargo account. 

Wells Fargo put a hold on this fund. After a couple of days I received a letter from Wells Fargo that they put a hold on crediting the check to my account as the signature of the person who signed the check was not very legible. Today is XX/XX/year>, still Wells Fargo has not credited this amount. But Wells Fargo already debited the {$7500.00} from my client 's account on XX/XX/year> itself. 

Essentially, Wells Fargo has been using my {$7500.00} for the past 6 days and have not either returned it to my client or credited it to my account. Wells Fargo is keeping my small business funds for their own use for a week.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I was deceived into sending {$650.00} in two payments ( {$300.00} and {$350.00} ) through Cash App to XXXX  XXXX. My friend ( XXXX  ) does not know this person ; I was tricked and also paid {$15.00} in XXXX fees. 

Cash App later denied my refund, claiming they couldnt confirm it was a scam. I have mailed a formal Notice of Dispute to Block , Inc. ( Cash Apps registered agent ) and attached screenshots of the denials. The app will not let me take screenshots of the in app transactions. 

This was an unauthorized electronic fund transfer under Regulation E, and I am requesting a full refund of {$680.00} total ( {$650.00} + {$15.00} fees and {$15.00} verified mail costs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of one or more charge-off accounts appearing on my credit report that are fraudulent and inaccurate. These accounts do not belong to me, and I have never authorized, opened, or maintained any such accounts with the listed creditor ( s ).

Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to dispute inaccurate and unverifiable information. Pursuant to FCRA 602 ( A ), 609, 611, and 623, I am requesting a full and fair reinvestigation of the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Subject : Notice of Error Improper Property Inspection Fee, Overdue Payment, Misapplication of Payments, and Refusal to Accept Principal and Interest Payments Dear Newrez LLC dba Shellpoint Mortgage Servicing I am submitting this Notice of Error pursuant to 12 C.F.R. 1024.35 regarding multiple servicing errors and improper charges applied to my mortgage loan. 

Since XX/XX/year>, your company has added a recurring {$30.00} overdue payment to my account. My loan is not in default, and I have remained current on all required payments. I also do not maintain an escrow account on this loan and pay all property taxes and homeowners insurance directly. 

Despite my loan being current, you have : Refused to accept full principal and interest payments, including those with additional principal applied ; Carried forward and demanded payment of an unauthorized {$30.00} " overdue payment '' and property inspection fee, which you have declined to substantiate ; Failed to provide documentation showing why or how the overdue payment occurred, how, when, why, or by whom any property inspection was performed. 

Under HUD guidelines, Regulation X ( 12 C.F.R. 1024.35 and 1024.38 ), and RESPA servicing standards, overdue payments and property inspection fees may be assessed only when a borrower is delinquent or when a default situation justifies them. As I am current and no such delinquency exists, the fee appears improperly applied and any resulting rejection of payments constitutes a servicing violation. 

Requested Actions Please provide the following within the time required by law ( acknowledgment within 5 business days and full response within 30 business days ) : A complete account history from origination to present showing all fees, charges, and payments applied, including corporate advances, overdue payments, property inspection fees, and any reversals or offsets ; Documentation and authorization for each overdue payment and property inspection fee charged since XX/XX/year>, including the date of the inspection, the address inspected, the purpose of the inspection, and proof of the servicers right to charge such fees under the terms of my loan ; Confirmation that my loan is not in default and that payments have been properly credited to principal and interest as required by 12 C.F.R. 1024.38 ( b ) ( 5 ) ; Immediate removal or reversal of any improperly assessed overdue payment or property inspection fees ; Written assurance that all future payments, including those designating additional principal, will be accepted and correctly applied. 

Please treat this as a formal Notice of Error and Request for Information under 12 C.F.R. 1024.35 and 1024.36. 

Sincerely,

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 2025-10-15 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 dispute the accuracy of entries connected to accounts I did not approve. Please perform an exhaustive investigation and delete them. Enclosures are included.

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 2025-10-15 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: MD

Complaint narrative:
This account First Date of Delinquency is being reported as XX/XX/year>. However looking at the payment history, I have four late payments, three being reported as 60 days as well as first date of delinquency reported 90 days instead of 180 days. My last payment is reported XX/XX/year>. Since then, the account has repeatedly been updated as late payments every month for a paid/closed account with all inaccuracies. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding the deletion of the following account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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