vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo offers early direct deposit, and I received an direct deposit on XX/XX/year>, of {$1000.00} and some change, instead of on XX/XX/year>, which is the original pay date, yet they have tried to re-arrange my deposits, so it looks like I got paid on the XXXX and all my other transactions made since the XXXX contributed to my overdraft of - {$120.00}. They have given me many reasons for this overdraft, none making sense. First its because I sent out {$670.00} on cash app, then its because of a different transaction, then it was because the money didnt come from payroll until the XXXX- which makes no sense because I had it on the XXXX and thats just not how early direct deposit works. Theyve found a way to scam me out - {$120.00} and Im not allowing it.

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 2025-09-16 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: IL

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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I am submitting this complaint as a second-round dispute regarding a bankruptcy account that continues to be inaccurately reported on my credit file. Despite a previous dispute submitted in good faith, the credit reporting agencies have failed to provide verifiable proof that the information is accurate and complete, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). The bankruptcy listing is either outdated, inconsistent with my public court records, or unverifiable. According to the FCRA, consumer reporting agencies must ensure that all information on credit reports is accurate, and they are legally obligated to conduct a reasonable reinvestigation when a consumer files a dispute. However, the bureaus have continued to report this account without properly validating the data.

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 2025-09-16 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: SC

Complaint narrative:
TransUnion is reporting inaccurate, unverifiable, and unauthorized information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Bankruptcy XXXX XXXX TransUnion is reporting a XXXX XXXX XXXX ( Case No. XXXX XXXX of South Carolina ) that is not verified from the original court source. Bankruptcy courts have confirmed they do not furnish or validate data directly to consumer reporting agencies, and third-party databases like XXXX or XXXX are XXXX insufficient. 

The bankruptcy may not belong to me ( possible mixed file ). 

It is mischaracterized as XXXX instead of dismissed. 

Reported identifiers and case details are inconsistent across bureaus. 

It is outdated and should have been deleted under FCRA 605 ( a ).

This inaccurate record has caused significant financial harm, including denials of credit and higher borrowing costs. 

Accounts Incorrectly Reported as Included in Bankruptcy The following accounts are tied to the unverifiable bankruptcy and are therefore inaccurate and non-compliant : Bank XXXX XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX No certified court documents, original signed agreements, or verified creditor records have been provided. Continuing to report them violates FCRA XXXX ( b ), XXXX ( a ), and case law ( XXXX v. TransUnion ). 

Equifax XXXX BreachRelated Issues Because my PII was compromised in the Equifax XXXX XXXX, TransUnions duty to ensure maximum possible accuracy and privacy is heightened. Instead, they continue reporting unverifiable data without safeguarding accuracy. 

Personal Information Errors & XXXX Inquiries XXXX addresses, alternate names, and unverifiable employment records remain on my file. 

XXXX inquiries and non-account inquiries over 30 days old have not been removed. 

TransUnion has not demonstrated any permissible purpose for several inquiries, violating FCRA XXXX. 

Despite my direct disputes, TransUnion has not provided original-source documentation or proper reinvestigation. Instead, they rely on automated systems like XXXX, which fail to meet the reasonable reinvestigation standard under federal 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
So over the past month, I had a person contact via email to help me invest my money. Seemed like a legitimate company and just asked for a picture with me and my ID, I submitted it, I also have had my passwords for some reason breached online due to data breaches so that is important context. Anyways I was away from home all summer in North Carolina for summer break and about a month ago my phone was lost, I didnt think much of it and closed my cards, but XXXX thing I forgot about was XXXX, something I typically do not use but has my debit card and bank attached allowing withdrawals without further verification other than a Pin. Now Im unsure if it was with my previous phone, or if I was hacked but a told of {$1900.00} was transferred from my bank to that XXXX account and immediately withdrawn to cryptocurrencies over the past month without me knowing because the bank failed to notify me. Nobody in their right mind spends that kind of money that rapidly. I contacted the bank submitted a claim around 2 days ago and within a day it was denied completely, I called to ask why and they failed to give me a reason. I have now submitted a claim directly with XXXX but Im unsure how that will go as Ive heard bad things. Regardless that money was to pay for a plane ticket and living expenses at the start of next month as Im going back home, and now Im completely screwed because my bank denied my claim. I need some assistance.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I am writing to demand that you immediately stop contacting me about the account you claim I owe. I dispute the validity of this alleged debt, and I do not give permission for any further phone calls, letters, emails, or other attempts to reach me.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer gives written notice to cease communication, a collector must comply. If you continue to contact me or report inaccurate information after receiving this letter, I will consider it a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : Portfolio Recovery Associates Inaccurate Collection Account Body : I dispute the PRA collection account. PRA reports conflicting balances and delinquency dates, violating FCRA 607 ( b ). They have not validated ownership of the debt. Under 623 ( a ) ( 3 ) and 611 ( a ), unverifiable collections must be deleted from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I am formally disputing the late payment and delinquency notations recently added to my credit report. These entries are inaccurate based on my payment history and prior agreements. Please correct the status to Paid as Agreed and remove all delinquency remarks.

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 2025-09-16 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute XXXX also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and fraudulent : XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/year> 2025

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 2025-09-16 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute XXXX also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and fraudulent : XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
I am filing a complaint regarding Equifaxs reinvestigation of the XXXX XXXX XXXX account XXXX Despite multiple disputes, Equifax continues to report this account as verified without providing supporting documentation. Under FCRA 611, a credit bureau must conduct a reasonable reinvestigation. Simply stating verified without furnishing proof of ownership, contract, or itemized balance is not compliant.

This account is a debt buyer tradeline, so it also falls under the FDCPA, which requires full validation of the debt before reporting or collecting. To date, no validation has been provided. Additionally, under Metro 2 reporting standards, Equifax and the furnisher must ensure that all reported data is accurate, complete, and verifiable. 

I am requesting the CFPB require Equifax to delete the XXXX XXXX XXXX account XXXX my credit report and confirm that both Equifax and the furnisher are in compliance with the FCRA, FDCPA, and Metro 2 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian. My personal data was compromised in the major breaches of all three agencies, each of which is now subject to class-action litigation. Despite these breaches, which prove consumer data can not be trusted as accurate or safe, all three bureaus continue to report collections, charge-offs, and inquiries on my credit profile that are harmful, inaccurate, and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ), the bureaus must ensure maximum possible accuracy and must delete unverifiable information after reinvestigation. Under the Fair Debt Collection Practices Act ( FDCPA 807, 809 ), no false or unvalidated debt may be reported. In addition, industry reporting must conform to Metro 2 compliance standards, which prohibit the reporting of inaccurate, incomplete, or unverifiable data.

The continued presence of these derogatory items violates these laws and standards. I did not authorize Experian, Equifax, or TransUnion to re-publish false claims against me, especially in light of the breaches that compromised my private data. This has caused me ongoing financial harm, emotional distress, and reputational damage.

I demand that all collections, charge-offs, and inquiries be permanently deleted from my credit reports immediately. Continued reporting of unverifiable negative items constitutes willful noncompliance with federal law. I am submitting this complaint to the CFPB to formally document these violations and to demand corrective action.

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 2025-09-16 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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