vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank allowed someone to open a banking account online in my name without my consent. It is negligent on their part for not verifying documentation to make sure the information given to open the account was accurate. Someone had used my information to open loans in my name and had to have a checking account to get these loans.

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 2025-07-24 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Completed investigation of FCRA dispute - consumer disagrees. This is what the collection agency PORTFOLIO RECOVERY XXXX  says and i do not have a contract with them, and they did not provide with the original contract as requested. XXXX not liable for this debt with XXXX  XXXX. 

Also XXXX not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) stated by this company. 

XXXX not liable for this debt with XXXX XXXX XXXX  XXXX, I do not have a contract with them and they also did not provide me the original contract as requested. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account closed at XXXX  XXXXXXXX XXXX  request. This what the company states through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> To Whom It May Concern, This letter is a formal dispute of the Wells Fargo account ending in XXXX, reported as a charge-off as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 623, I dispute the accuracy and completeness of the information being reported. You are required to conduct a reasonable investigation and verify the validity of the debt, including a complete chain of account ownership, original signed agreement, and a detailed payment history.

Additionally, under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including the breakdown of the {$870.00} balance, and proof that the alleged amount is accurate and legally owed.

If you can not provide this within 30 days, you are required to remove the account from all consumer reporting agencies under FCRA 611. Failure to comply will result in a formal complaint with the CFPB and potential legal action. 

Sincerely, XXXX 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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I am submitting this complaint against Spring Oaks Capital LLC ( Original creditor ) XXXX XXXX XXXX XXXXXXXX for reporting and potentially trading or selling my personal consumer data without my consent. The alleged debt in the amount of {$1100.00} they claim I owe. This is a dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), the Fair Debt Collection Practice Act ( FDCPA ) and applicable Arizona state collection laws ( ARS Title 44, Chapter 3, Article 5 ). According to my records, the debt has been cancelled and reported to the IRS, indicating it is no longer collectible. I request that the CFPB investigate Spring Oaks Captial LLC ( Original creditor ) XXXX XXXXXXXX XXXX XXXXi handling of this data, ensure compliance with federal law and require removal of this inaccurate and unauthorized account from my file. I sent a request for validation and cease and desist on XX/XX/year>2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported I was 60 days late but I was on a payment plan due to losing my job, I talked with XXXX multiple times and they said they would work with me. then they reported 60 days late in XX/XX/year>2025. I reached out to XXXX  and transunion and told them XXXX told me to contact the credit comepanies and dispute it, so thats what I did and transunion is showing inaccurate information still, while XXXX  has corrected the mistake

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint Summary Equifax Fraudulent Response Letter Dated XXXX XXXX, 2025 On Monday, XX/XX/year>2025, I received a suspicious letter dated XXXX XXXX, 2025 from Equifax, marked as a response to my identity theft report but this letter was never postmarked, tracked, or properly mailed. The envelope showed no XXXX stamp, no barcode, and no origin date. Instead, it was routed through XXXX XXXX XXXX with a presorted indicia, not a legitimate trackable mailing method. 
Even more disturbing, the footer of the attached document contains this coded reference string : XXXX The number XXXX is not an Equifax contact line it is a XXXX XXXX  in XXXX, New York. This means : The response was not mailed or generated by Equifax 's official system. 
Someone used a local printing source or spoofed metadata to send a fake response. 
The date at the end of the string ( XXXX ) is after the letter 's printed date of XX/XX/XXXX, suggesting postdating, manipulation, or cover-up. 
This letter did not address the core issues raised in my original CFPB complaint which include : 52 unauthorized credit pulls over 12 months during a valid credit freeze Identity theft involving my deceased husbands information A fraudulent {$10000.00} land transfer entry appearing on my XXXX  report without origin, name, or lawful lender Instead of providing an FCRA-compliant investigation response under 15 U.S.C. 1681s-2 ( b ), Equifax sent a generic CFPB brochure with incorrect contact information and suspicious metadata nearly two full weeks after the CFPB first notified them.

This was not a lawful response. This was a deceptive, evasive attempt to avoid accountabilit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am submitting this complaint regarding a closed auto loan account with XXXX XXXX XXXX ( Account # XXXX ), which is incorrectly reporting a 30-day late payment on my credit file. This account was paid and closed on XX/XX/XXXX, and shows a {$0.00} balance, yet the credit reporting includes a negative payment status marked as Paid, was past due 30 days. There is no record of ongoing delinquency, and I have no supporting documentation from the creditor that substantiates this derogatory entry. I have disputed this account multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), each time requesting statements and payment history records showing when this supposed delinquency occurred. I have not received any validation or evidence confirming the accuracy of this negative item. Per the Fair Credit Reporting Act ( FCRA ), I request that : The late payment be removed from this account reporting, or The account be fully deleted from my credit file if the creditor can not provide evidence of delinquency. This information is outdated, inaccurate, and is having a continued unfair impact on my credit history. I am requesting the CFPB assist with holding the furnisher and reporting agencies accountable for failing to verify and correct this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax and XXXX XXXX XXXX ( XXXX ) for illegal credit reporting and re-aging of a delinquent debt, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX is reporting a collection account on my Equifax credit report with a Date of First Delinquency as XX/XX/XXXX. However, the Date of First Major Delinquency Reported was updated to XX/XX/XXXX, making this appear as a new derogatory account. This update occurred AFTER I disputed the account in XX/XX/XXXX, which I believe is retaliatory. 

The account was already years old, and should be approaching the end of the XXXX reporting limit under FCRA 605 ( a ). Instead, by re-aging it to XXXX, Equifax and XXXX are extending the damage to my credit beyond whats legally allowed. 

This caused a XXXX drop in my credit score. I called Equifax and was told the score dropped due to the dispute. I believe this is a violation of FCRA 623 ( a ) ( 5 ), which requires accurate reporting of the original delinquency date, and FCRA 611 for failing to correct or properly investigate my dispute. I also believe Equifax has violated my rights by allowing outdated and damaging information to be re-aged to appear current. 

I am requesting full removal or immediate correction of this account, and a complete investigation into this re-aged tradeline. 

I have documentation and screenshots to support my complaint, including : - The original delinquency date ( XX/XX/XXXX ) - The false XXXX date of first major delinquency - My dispute confirmation and screenshots from Equifax Please investigate this matter promptly.I am requesting the immediate removal or permanent correction of the re-aged account reported by XXXX XXXX XXXX. The account must reflect the accurate original date of first delinquency ( XX/XX/XXXX ), not XX/XX/XXXX. 

I am also requesting : - Reversal of any negative score impact caused by the inaccurate re-aging - A complete reinvestigation by Equifax into how this occurred - A written explanation of the outcome - Assurance that my consumer rights under the FCRA are being upheld If Equifax and XXXX are unable to verify the account with correct documentation and dates, the tradeline should be deleted in full from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am submitting this complaint against Collection USA for reporting and potentially trading or selling my personal consumer data without my consent.The account in question in the amount of {$350.00} is currently being reported on my credit report as an open account despite being in collection status. This classification is inaccurate misleading and in violation of the FCRA which requires furnishers of credit information to report data that is complete and accurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). A collection should not be account should not be listed as open as it implies an active revolving or installment obligation with an available credit line which is false. I request that the CFPB investigate Collection USA handling of this data ensure compliance with federal law, and removal of this inaccurate and unauthorized account from my file. 15 U. S. C 1681c ( a ) ( 4 ) prohibits reporting accounts placed for collection off older than seven years. I sent them a validation and cease and desist on XX/XX/XXXX XXXX please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year>2025 To Whom It May Concern, This letter is a formal dispute of the XXXX XXXX account ending in XXXX, reported as a charge-off as of XX/XX/scrub>, 2025. 

Under the Fair Credit Reporting Act ( FCRA ) 623, I dispute the accuracy and completeness of the information being reported. You are required to conduct a reasonable investigation and verify the validity of the debt, including a complete chain of account ownership, original signed agreement, and a detailed payment history.

Additionally, under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including the breakdown of the {$870.00} balance, and proof that the alleged amount is accurate and legally owed.

If you can not provide this within 30 days, you are required to remove the account from all consumer reporting agencies under FCRA 611. Failure to comply will result in a formal complaint with the CFPB and potential legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief