vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-03 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:
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 non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an
open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint about Equifax not taking XXXX XXXX off my credit report within XXXX  days. I submitted my identity theft packet with the complaint. I will attach it again. Somehow, the complaint was sent to XXXX XXXX instead of Equifax, so I'm filing a new complaint regarding Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OneMain Finance Corporation
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of a charged-off account by Foursight Capital originally associated with a balance of {$10000.00}. After submitting a previous dispute citing reporting inaccuracies, Foursight Capital failed to correct the error. Instead, they increased the reported balance to {$12000.00} without justification and illegally re-aged the charge-off date from XXXX to XXXX. This conduct is a direct violation of federal and California consumer protection laws, including : Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ), charge-offs must be removed 7 years from the original delinquency date. Re-aging, or falsely modifying the delinquency date to extend the reporting period, is illegal. Re-aging is prohibited. A creditor can not misrepresent the original date of delinquency to prolong the time a debt appears on a credit report. Violation of California Law ( Rosenthal Fair Debt Collection Practices Act RFDCPA ) Under California Civil Code 1788.17, which incorporates provisions of the federal Fair Debt Collection Practices Act ( FDCPA ), misrepresenting the character, amount, or legal status of a debt, including inflating a balance or falsifying dates, constitutes unlawful and deceptive conduct. Violation Through Inflated Balance Reporting The accounts balance has been increased from {$10000.00} to {$12000.00} without explanation, contract justification, or supporting documentation. This could violate California Civil Code 1788.13 ( e ), which prohibits false representations of the amount of a consumer debt. Request for IRS Form 1099-C Please provide copies of any IRS Form 1099-C filed for this account for tax years XXXX and XXXX. Issuing a 1099-C typically indicates cancellation of debt and may impact the legality of continued collections or reporting under IRS rules and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC
State: AR

Complaint narrative:
I am filing a formal complaint against InvestiNet , LLC regarding a fraudulent debt collection notice I received via email, which falsely claims I owe a balance to XXXXXXXX XXXX XXXXXXXX. I have never had an outstanding balance with XXXX and have already reported this incident as a scam to XXXX directly. 

On XX/XX/2025, I received the following email from InvestiNet ( email : XXXX ), which states that a balance of {$160.00} is overdue and that InvestiNet has been hired by XXXXXXXX XXXX XXXXXXXX to collect this debt. The message includes a reference number ( XXXX ), falsely claims my account number ends in XXXX, and identifies both the current and original creditor as XXXXXXXX XXXX XXXXXXXX. It also states that the email is from a debt collector and attempts to solicit payment. 

This claim is entirely baseless. I have never received a notice from XXXX indicating a balance due, nor have I missed any payments. I monitor my accounts closely and have verified directly with XXXX that I do not owe any outstanding charges. 

I believe this is either a case of mistaken identity or a scam intended to elicit payment fraudulently. I request that the XXXX  investigate this matter and take appropriate action against InvestiNet , LLC for deceptive practices and potential violation of the Fair Debt Collection Practices Act. 

Furthermore, I request that all attempts to contact me regarding this false debt cease immediately and that my information be removed from their database. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I recently received a collections notice from XXXX XXXX XXXX XXXX XXXX, for a bill with XXXX XXXX XXXX XXXX ( XXXX ) for {$180.00}. Not once did XXXX contact me about a bill via mail or phone. This bill is also from less than XXXX  months ago. 
First, upon receiving this bill I call the collection agency and the woman immediately is argumentative with me while I am calling to dispute the issue. I tell her that part of this bill is due to a cancellation of services, and she claims I can't cancel a contract without paying it, and I was not in a contract. She also tells me my last date of service was XX/XX/2025, and it was not because I literally canceled it. The other part of this, {$92.00}, was from a partially disputed charge ( {$30.00} ) that I had already won the case on and also paid them back the {$62.00}. I tell her I have receipts and documents, but because I had no written communication that my account had been canceled, she didn't wany any of it and refused to close off on anything. Which I have an email stating that I had to call them to cancel because I tried over email. How am I to dispute this if you won't even let me or accept documents I have? 
So, I call XXXX after this. They tell me that they have a note on my account from XX/XX/2025 that I did call to cancel and it seems that they did not close out my account correctly, apologized, and tell me they'll call the collections agency to adjust the amount. Maybe, if you all would have tried to contact me first about this rather than send it to collections, that would have never happened? Apparently the person who was managing my account doesn't work there anymore, so that means they can ignore it. I also explain to them about the dispute, I have the documents, etc. They also refuse to accept any of this and pretty much tell me that I have to pay this {$92.00} or they will move forward with collections, even after repeatedly asking and even emailing them this morning, the receipts and bank documents. So, due to the fact no one will even let me provide this information to show it was paid, I paid them {$92.00} to avoid collections. So now I've paid them {$150.00} for a {$62.00} service. 
I also contacted my credit card company ( XXXX ) about this after, they tell me they definitely paid them the money from the dispute after the investigation, and offer to reopen it - which they have- and figure out why they ( XXXX ) are saying they didn't get paid.

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 2025-07-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a XXXX XXXX holder in good standing. I always paid my card on time, never missed a payment, and was never informed of any issues. 

Without warning or explanation, my account was closed. I contacted customer service, who were dismissive and extremely rude, and repeatedly told me that no explanation would be given, nor was there any option for review or reinstatement. 

This is extremely unfair and unprofessional. I believe I was penalized for RESPONSIBLE financial behavior, and I deserve a clear explanation as to why my account was closed.

Im requesting that the issuer provide a clear written reason, not a generic/general reason, for closure, and whether the account can be reinstated. 
I also request that this closure be reported accurately to credit bureaus and not as derogatory.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-07-03 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:
I am writing to file a complaint about an inaccurate account that is being reported on my credit report. I have already contacted the company reporting this debt, but instead of addressing my concerns, they have continued to harass me. I have made multiple attempts to resolve this directly with them without success. 

I believe this account is fraudulent and not mine. I have already submitted an identity theft report to the FTC to document the situation, and I have evidence of that report. Despite this, the company refuses to remove the inaccurate information from my credit report. 

I am requesting your assistance in having this inaccurate and fraudulent information removed from my credit file. Please let me know if you need any supporting documentation, as I am prepared to provide my FTC report and any additional details. 

Thank you for your time and help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I am writing to file a complaint about an inaccurate account that is being reported on my credit report. I have already contacted the company reporting this debt, but instead of addressing my concerns, they have continued to harass me. I have made multiple attempts to resolve this directly with them without success. 

I believe this account is fraudulent and not mine. I have already submitted an identity theft report to the FTC to document the situation, and I have evidence of that report. Despite this, the company refuses to remove the inaccurate information from my credit report. 

I am requesting your assistance in having this inaccurate and fraudulent information removed from my credit file. Please let me know if you need any supporting documentation, as I am prepared to provide my FTC report and any additional details. 

Thank you for your time and help in resolving 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 non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I am writing to file a complaint about an inaccurate account that is being reported on my credit report. I have already contacted the company reporting this debt, but instead of addressing my concerns, they have continued to harass me. I have made multiple attempts to resolve this directly with them without success. 

I believe this account is fraudulent and not mine. I have already submitted an identity theft report to the FTC to document the situation, and I have evidence of that report. Despite this, the company refuses to remove the inaccurate information from my credit report. 

I am requesting your assistance in having this inaccurate and fraudulent information removed from my credit file. Please let me know if you need any supporting documentation, as I am prepared to provide my FTC report and any additional details. 

Thank you for your time and help in resolving 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 2025-07-03 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: MD

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 2025-07-03 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 became aware of a hard inquiry listed on my credit report that I did not authorize. I am highly concerned about this breach of privacy, as I did not apply for any credit product or service that would allow for this inquiry.

Company response to consumer: Closed with non-monetary relief