vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My boyfriend XXXX XXXX XXXX of XXXX Ky owes to XXXX  XXXX, I XXXX XXXX XXXX of XXXX Kentucky am receiving calls over and over regarding XXXX XXXX XXXX. I am not married to him, its illegal for them to be contacting me and harassing me. They have violating my privacy and if it continues I will charge them for harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not open or authorize this account, and I will not accept responsibility for it. This is unjust and unacceptable. I demand immediate action to investigate and resolve 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 2025-09-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - please remove late payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. - Remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove

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 2025-09-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - please remove late payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. - Remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
I am filing this complaint to bring to your attention multiple serious inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that are currently damaging my credit profile and causing financial harm. 

Accounts in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Issue : Reporting of Late Payment ( XXXX ) that I dispute as inaccurate and unverified. XXXX has failed to provide proper validation and proof of the alleged delinquency despite my prior disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Account is being reported as a Charge-Off despite reflecting a {$0.00} balance. This reporting is misleading, contradictory, and damaging to my credit reputation. An account with no balance can not logically be charged off and must be corrected or removed immediately. 

XXXX XXXX  Inquiry dated XX/XX/XXXX Issue : This hard inquiry was made without my authorization or permissible purpose under FCRA 604. I never applied for credit with this entity, and therefore, the inquiry is unauthorized and must be removed. 

Violations and Harm : These furnishers and credit bureaus are in violation of FCRA 602, 607, 609, and 611, which require accurate reporting and proper reinvestigation of disputed information. 

They have also failed to provide verification and validation of the disputed accounts. 

The continued reporting of these inaccurate and misleading items is lowering my creditworthiness, restricting my access to housing, fair credit, and financial stability. 

Requested Action : I am demanding that the CFPB investigate these violations immediately and compel the furnishers/credit bureaus to : Remove all inaccurate late payments reported by XXXX. 

Delete or correct the Fettifht/Web account so it does not report as a Charge-Off with a {$0.00} balance. 

Remove the unauthorized inquiry by XXXX XXXX ( XX/XX/XXXX ). 

Ensure all parties comply with the FCRA and provide me with documentation validating their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX USPS tracking# XXXX XXXX XXXX XXXX XXXX XXXX  Equifax received my submitted  dispute with all required identification:\n\tA valid, unexpired U.S. Passport (government-issued ID).\n\tA recent utility bill (Waterbill) XXXX  XXXX  as proof of address.\nOn XXXXI recived   letter dated XXXX Equifax responded with  claiming the identification was not valid. This is false and unlawful. A passport is one of the highest forms of government-issued ID, and coupled with a utility bill, satisfies FCRA requirements.\nThis appears to be a deliberate stall tactic by Equifax to avoid investigating my dispute within the required 30-day period.\n\tFCRA 611(a)(1)(A): Failure to investigate disputes within 30 days.\n\tFCRA 616617: Willful and negligent noncompliance.\n\tFCRA 607(b): Failure to maintain reasonable procedures to assure maximum possible accuracy.\n\tEquifaxs unlawful rejection of valid ID has delayed the correction of inaccurate information in my credit file.\n\tThis delay directly impacts my ability to obtain housing, credit, and financial opportunities.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
This debt collector has violated the Fair Debt Collection Practices Act ( FDCPA ). They reported/furnished an account that I did not agree to, and I have never signed or entered into any legal contract regarding this debt. A valid agreement requires two consenting parties, and I was not a participant in any such agreement. 

Additionally, they failed to provide the proper debt validation as required under the FDCPA. The law requires clear verification procedures, and this company did not follow them. 

By furnishing an account without proper authorization or validation, this collector has misrepresented information and infringed upon my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: OK

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

1681c2 ) that you, the TransUnion 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 : XXXX  Date : XX/XX/25 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 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 2025-09-22 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Tradelines Defects : XXXX. XXXX XXXX  ( Acct : XXXX ) XXXX  shows Open / Current with {$4000.00} balance. XXXX shows Paid. XXXX  inconsistent. 
o Violation : FCRA 607 ( b ). 
XXXX. XXXX ( Acct : XXXX ) XXXX  states Closed due to inactivity. XXXX  says Closed by grantor. XXXX says Closed or paid. 
o Violation : FCRA 607 ( b ). 
XXXX. XXXX XXXX  ( Acct ending XXXX ) XXXX  shows Inactive account, TU shows Open/ Current, XXXX omits. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXX ) XXXX  shows Closed/ Current, XXXX  shows Open/ Current. 
XXXX. XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). Verify permissible purpose under 604.

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 2025-09-22 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: NY

Complaint narrative:
Dispute of False Late Payments Demand for Correction and Proof To Whom It May Concern : I am formally disputing the completeness and accuracy of the payment history reported on my Equifax credit file for the following accounts. Multiple entries show late payments that are clearly inaccurate and constitute billing errors under 15 U.S.C. 1666 ( b ) and Regulation Z. 

Disputed Accounts & Months : XXXX Account # XXXX Late payments reported : XXXX & XX/XX/year> XXXX XXXX Status Code : XXXX ( incorrect ) Demand correction to DA / AL Billing Error Categories : XXXX ( Payments/Credits Not Posted ), D ( Math / Computation Error ) XXXX XXXX XXXX XXXX Account # Late payments reported : XXXX & XX/XX/year> XXXX XXXX XXXX Code : XXXX Correct to XXXX XXXX XXXX Billing Error Categories : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX Late payment reported : XX/XX/year> XXXX XXXX XXXX Code : XXXX Correct to DA / AL Billing Error Categories : XXXX, XXXX XXXX XXXX Account # XXXX Late payments reported : XXXX & XX/XX/year> XXXX XXXX XXXX Code : XXXX Correct to XXXX XXXX XXXX Billing Error Categories : XXXX, XXXX  Legal Basis for Dispute : 1666 ( b ) ( 4 ) : Creditor failed to properly reflect payments made. 

1666 ( b ) ( 5 ) : Computation/accounting errors on statements.

Reg Z 1026.5 ( b ) ( 2 ) ( ii ) : 21-day statement notice not provided. 

Billing Error Categories : XXXX, XXXX ( Payments/Credits Not Posted ; Math/Computation Error )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For Wells Fargo- I applied online on XX/XX/XXXX for a business account with my XXXX XXXX XXXX XXXX an XXXX XXXX this promotion : XXXX XXXX XXXXXXXX XXXX XXXX A couple days later I received a phone call from a business banker with Wells Fargo. He went over every single detail of what I entered when I signed up. I confirmed with him on the phone that the promotion was attached and he said yes. 

So around 20-25 days later I deposited the required funds for the promotion ( {$2500.00} ). I left the funds in there for well over the required time ( 30 days from 30 days after I had opened the account, aka 60 days from account opening ) After not receiving my bonus some time after this I called in to ask about my bonus. I had to push to get them to look into why I didn't get it as they tried to claim I didn't meet the terms, even though I did. So they launched an investigation. After waiting a very long time for the investigation they simply came back and said I didn't meet the balance requirements, even though I clearly did. Wells Fargo is lying and breaking their terms.

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 2025-09-22 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief