vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is the FINAL NOTICE before litigation.

AFFIDAVIT OF UNLAWFUL BANKRUPTCY REPORTING AND REQUEST FOR IMMEDIATE REMOVAL State of Texas County of XXXX I, XXXX XXXX, being duly sworn, depose and state as follows : 1. Personal Information I am a living, natural person and consumer within the meaning of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( c ). My current residential address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, and my date of birth is XX/XX/XXXX. 


2. Purpose of this Affidavit This affidavit is submitted as my formal sworn statement regarding the inaccurate and unlawful reporting of a bankruptcy case that was never completed, never discharged, and was dismissed and/or canceled by the court due to denial of submission. 

3. Facts of the Case The referenced bankruptcy case, XXXX XXXX. XXXX, was filed on XX/XX/XXXX. 
The referenced bankruptcy case, XXXX XXXX. XXXX, was filed on XX/XX/XXXX The cases were denied, canceled, and/or dismissed by the court prior to any discharge or final order of relief. 

No order of discharge, judgment, or lawful decree was ever entered by the court. 

The case was not adjudicated as a bankruptcy and does not constitute a valid or reportable public record under any federal statute. 

Despite these facts, this dismissed and canceled case continues to be reported by XXXX, TransUnionXXXX XXXX, and XXXX XXXX XXXX XXXX, as a bankruptcy public record, which is false, misleading, and damaging to my credit reputation and financial standing. 

4. Legal Authority Pursuant to 15 U.S.C. 1681i ( a ), each consumer reporting agency must conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice and must delete any information that can not be verified. 
Under 15 U.S.C. 1681c ( a ) ( 1 ), only actual, adjudicated, and discharged bankruptcy cases may be lawfully reported, and even then, only within the limited reporting period set

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the FINAL NOTICE before litigation.

AFFIDAVIT OF UNLAWFUL BANKRUPTCY REPORTING AND REQUEST FOR IMMEDIATE REMOVAL State of Texas County of XXXX I, XXXX XXXX, being duly sworn, depose and state as follows : 1. Personal Information I am a living, natural person and consumer within the meaning of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( c ). My current residential address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, and my date of birth is XX/XX/XXXX. 


2. Purpose of this Affidavit This affidavit is submitted as my formal sworn statement regarding the inaccurate and unlawful reporting of a bankruptcy case that was never completed, never discharged, and was dismissed and/or canceled by the court due to denial of submission.

3. Facts of the Case The referenced bankruptcy case, XXXX XXXX. XXXX, was filed on XX/XX/XXXX. 
The referenced bankruptcy case, XXXX XXXX. XXXX, was filed on XX/XX/XXXX The cases were denied, canceled, and/or dismissed by the court prior to any discharge or final order of relief. 

No order of discharge, judgment, or lawful decree was ever entered by the court. 

The case was not adjudicated as a bankruptcy and does not constitute a valid or reportable public record under any federal statute. 

Despite these facts, this dismissed and canceled case continues to be reported by XXXXXXXX XXXX, Experian, and XXXX XXXX XXXX XXXX, as a bankruptcy public record, which is false, misleading, and damaging to my credit reputation and financial standing.

4. Legal Authority Pursuant to 15 U.S.C. 1681i ( a ), each consumer reporting agency must conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice and must delete any information that can not be verified. 
Under 15 U.S.C. 1681c ( a ) ( 1 ), only actual, adjudicated, and discharged bankruptcy cases may be lawfully reported, and even then, only within the limited reporting period set

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Re : Validation To Whom it May Concern : This letter is in response to your contact by mail on XX/XX/year> about the alleged credit card debt you have identified. This is neither an acknowledgement of debt or a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you.

You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter.

1. Creditor 's name and full address 2. Name of debtor of record 3. Full account number of debt 4. Amount of debt 5. Due date of debt 6. Original charge off or delinquency date 7. Explanation of how the debt was calculated 8. Name of collection agency or owner of debt, if applicable 2 / 2 Pursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you verify that this debt is mine. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am formally disputing the continued reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that has been legally extinguished by a court dismissal with prejudice on XX/XX/XXXX, by the XXXX XXXX XXXX Maryland for XXXX XXXX XXXX ( Case No. XXXX ). 

This dismissal constitutes a final judgment on the merits, legally prohibiting any further reporting, collection, or representation of this account as active, charged-off, or in default. The debt was nullified when XXXX voluntarily dismissed the lawsuit with prejudice after I invoked my arbitration rights under the Federal Arbitration Act ( 9 U.S.C. 116 ).

Violations Identified : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information.

The bureaus continue to display this tradeline with derogatory and charge-off notation despite legal extinguishment.

2. FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct reasonable reinvestigation.

Any verification with the furnisher would reveal the case was dismissed with prejudice and therefore unenforceable.

3. FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable information.

Once notified that the account is legally invalid, the bureau must delete, not update, the tradeline.

4. FTC & CFPB Precedent : Continuing to report a debt after legal invalidation is considered deceptive reporting ( see CFPB XXXX XXXX XXXX XXXX, XXXX and FTC XXXX Equifax, XXXX ). 


5. Metro 2 Compliance : After dismissal, the furnisher must report the account as Paid/Settled/ {$0.00} balance with Compliance Condition Code E ( disputed/closed ).

Reporting Charge-Off violates Metro 2 Field 17A ( Account Status ) standards.

Requested Resolution : I request that your bureau : 1. Permanently delete all data related to the XXXX / XXXX XXXX XXXX XXXX account ; XXXX. Cease reporting the account across all databases ; and XXXX. Submit confirmation only through the CFPB Complaint Portal, not by postal mail to my residence. 




Evidence Provided : Court Order : Line of Dismissal With Prejudice ( XX/XX/XXXX ) Current credit report screenshots showing continued reporting Proof of identity ( attached ) This letter serves as an official dispute under 15 U.S.C. 1681i ( Reinvestigation ) and 1681s-2 ( b ) ( Furnisher duties ). Failure to correct or delete the account within 30 days will constitute a willful violation of the Fair Credit Reporting Act and CFPB Regulation V, exposing your bureau to liability under 616617. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-10-09 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: GA

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 2025-10-09 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-10-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-09 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There is a collection on my credit report from XXXX XXXX  that was not authorized by me and it is a third party collection I would like for it to be removed immediately I also noticed some credit cards that are not authorized by me XXXX, XXXXXXXX XXXX XXXX XXXX I would like for those accounts to be removed immediately do to the under the usc15 1681 guideline in the fair credit report act thank you I would like for the inquiry to be removed as well

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 2025-10-09 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: MS

Complaint narrative:
There is a collection on my credit report from XXXX XXXX  that was not authorized by me and it is a third party collection I would like for it to be removed immediately I also noticed some credit cards that are not authorized by me XXXX, XXXXXXXX XXXX XXXX XXXX I would like for those accounts to be removed immediately do to the under the usc15 1681 guideline in the fair credit report act thank you I would like for the inquiry to be removed as well

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 2025-10-09 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-09 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-09 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
I cant verify my account, when I try it says unable to verify or my information was wrong but I know it was just how it appeared on my state ID

Company response to consumer: Closed with explanation