vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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 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. 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 30 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 explanation
Consumer complaint received 2025-10-07 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: NY

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. 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 30 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 2025-10-07 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: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX  XXXX XXXX ] [ XXXX Tennessee XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ LVNV FUNDING LLC XXXX XXXX C/O XXXXESURGENT CAPITAL SERVICES XXXX, SC XXXX XXXX To Whom It May Concern : I am writing to request validation of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide the following documentation and information so I can verify that I am legally obligated to pay this debt : 1. The amount of the alleged debt, including a complete itemized accounting showing how the amount claimed was calculated ( principal, interest, fees, and other charges ). 2. The name and address of the original creditor and the account number assigned by the original creditor. 3. A copy of the contract or agreement ( signed by me ) that shows I agreed to the debt. 4. Documentation showing your legal right to collect this de
bt ( e.g., the judgment, assignment, or bill of sale ), including a chain of assignment from the original creditor to you.

5. Proof of the date of last payment ( if any ) and the date the debt purportedly became delinquent.

6. If you are reporting this debt to credit reporting agencies, the name ( s ) of each agency and the account information you reported.

7. The name and address of the current owner of the debt ( if different from your firm ). 

Until you provide the requested validation, please cease all collection activities, including reporting this debt to any credit reporting agencies. If you can not provide the requested verification, you must cease collection and remove any adverse information you have reported about me. 

Additionally, do not contact me at work or via phone. If you believe you have the right to contact me by telephone, do not call ; all communications must be in writing to the address listed above. 

Please provide the requested documentation within 30 days of receipt of this letter. Keep a copy of this letter for your records. 

Sincerely, [ XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone I dont know XXXX  themselves {$400.00} out of my bank account without my permission I contacted my bank and informed them and they denied my request and never sent me anything else on the case.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account that your organization has reported. This collection entry has appeared without any prior communication or advance notice from your agency informing me of this alleged obligation. Additionally, I have substantial concerns and serious questions regarding the legitimacy and accuracy of this claimed debt. Under the provisions of the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish comprehensive validation documentation and take necessary steps to resolve this disputed matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
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 2025-10-07 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, 1681c-2, and 1681i, regarding inaccurate, unverifiable, and fraudulent information appearing on my credit reports maintained by Equifax, Experian, and TransUnion.

Upon reviewing my credit files, I discovered multiple delinquent accounts, negative entries, and unauthorized hard inquiries that I did not initiate or authorize. These items are inaccurate, unverifiable, and appear to be the result of identity theft or misuse of my personal information following a data breach exposure.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am formally requesting that these items be blocked and permanently removed from my credit reports without unreasonable delay. This statute specifically grants consumers the right to have fraudulent or identity theftrelated information deleted from their files once proper notice is provided.

Furthermore, under 15 U.S.C. 1681b, credit reporting agencies are prohibited from releasing or reporting credit inquiries or data unless there is a permissible purpose. Since the hard inquiries in question were made without my authorization, they must also be immediately removed. 

As required by 15 U.S.C. 1681i, credit reporting agencies must reinvestigate disputed information and delete any data that can not be verified within the statutory period.

Failure to comply with these obligations constitutes a violation of the FCRA and may subject the involved entities to civil liability and damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I am requesting the CFPBs oversight to ensure that the credit reporting agencies and furnishers act in full compliance with federal law and promptly remove the following disputed and unauthorized entries :

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 2025-10-07 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: UT

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

FRAUDELENT ACCOUNTS : XXXX XXXXXXXX XXXX  # XXXX -Date opened XX/XX/XXXX -Balance {$12000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XXXX refuses to let me setup auto pay to make my monthly payment. The goal of XXXX is to force their customers not to be able to make monthly payments so they can add interest and other penalties to the debt owed to XXXX. XXXX can also harm consumers credit reports by reporting to the various credit reporting agencies that the consumer failed to make monthly payments making it look as if the consumer is behind in their payment by refusing to accept monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

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 2025-10-07 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo charged me so many over draft and other fees because of fraud the company committed. The way the posted debits on my account would change if they thought they were able to charge me a few. I requested all my statements to be emailed to me but Wells Fargo refused. I've called multiple times. I in a 5 year period had to make over 300 claims of fraud on my account and that's not to say there was probably things I missed a long the way. I know this company charged me excessive over draft fees. And did not credit my account for fraud that clearly wasn't me.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I was charged by Experian for a subscription I was unable to cancel. 
Their website locks my account behind a payment update page, even after they took the money out of my account. 
Their phone system does not verify me and offers no way to reach a live representative. 
I have proof of the issue and already disputed the charge through XXXX. 
Experian is continuing to block cancellation access, which I believe is an unfair billing practice. 
I request confirmation of cancellation and a full refund.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am writing to formally express my concerns reguarding chime handling of disputes XXXX in light of the recent cfpb lawsuit highlights significant issues with the platform. Ive used chime and reported discrepancies my financial institution failed to investigate my claims adequately they informed me that recovering lost funds was impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
This letter is sent in response to a notice I received from your company regarding an alleged debt. This is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge or accept responsibility for this alleged debt. Before I take any further action, I request that you provide the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges ; 3. A copy of the original contract or agreement bearing my signature, showing that I have a legal obligation to pay ; 4. A complete payment history on the account, including records showing how the alleged amount was calculated ; 5. Verification that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority ; 6. Proof that your company has been assigned or purchased the debt, or that you otherwise have legal standing to collect on it.

Until you provide proper validation of this alleged debt, you must cease all collection activity, including reporting or verifying this debt with any credit reporting agency. Be advised that any attempt to collect or report this alleged debt without validating it may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to exercise my rights.

Please send all correspondence to me in writing. I request that you respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One debited {$10000.00} for services never rendered from my Capital One debt card. Capital One misclassified my depute on XX/XX/year> as " scam/fraud '' when it should have been " services not rendered ''. They told me I would have a provisional credit on XX/XX/year>. The " scam/fraud '' claim was under claim number XXXX. They reclassified the depute on approximately XX/XX/year> as " services not rendered ''. A new claim number XXXX was issued. They are now stating the 10 day provisional credit does not apply due to regulation E. I believe this falls under regulation E because " services not rendered '' is an unauthorized transfer. They are now saying the depute may not be refunded for up to 4 months. I would like immediate resolution immediately. I believe the provisional credit is permitted under regulation E. I conditionally approved the payment as a down payment pending the merchant 's ability to process the remaining payment of {$15000.00}. The merchant failed to process the remaining {$15000.00} payment and will not return the down payment. The payment is therefore not authorized and should be provisionally credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The credit entries on my file are the result of unauthorized identity fraud, as I have never executed any agreements or provided legitimate authorization for these accounts to be established under my name. I have already contacted your company regarding this critical situation and am now making a formal demand for the immediate suppression and elimination of these fraudulent accounts from my credit report. The continued reporting of these false items has resulted in considerable XXXX XXXX and economic obstacles, creating an inaccurate representation of my actual financial obligations and payment behavior. Should you fail to address this issue adequately, I will be compelled to pursue all available legal channels to defend my consumer rights and obtain appropriate remedies. These illegitimate entries have substantially hindered my capacity to secure necessary financing for essential life objectives, including property ownership and providing financial stability for my household.

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