vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
I have been a victim of identity theft. My information was stolen and used in the Equifax data breach, as well as the XXXX XXXX data breach and a recent data breach in 2024. I have noticed some unauthorized accounts on my credit reporting that I did not benefit from. These negative accounts and remarks are harming my chances of obtaining a home or an apartment, and I need them gone from my credit reporting immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Charge-Off and Late Payment Reporting WFBNA CARD Account Number : XXXX Dear XXXX XXXXXXXX, I am writing to formally dispute the accuracy of the negative information being reported on my credit file for the above-referenced WFBNA CARD account.

The account is currently reported as charged off with a balance of {$870.00}, and also lists multiple late payments ( 30, 60, and 90 days ). However, the record also shows a past due amount of {$0.00} and remarks indicating the account was closed at the creditors request. These details are inconsistent and raise serious questions about the accuracy and validity of the charge-off status and the reported delinquencies. 
This account was previously disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet I have not received sufficient documentation validating : 1. The charge-off status, 2. The validity of the outstanding balance, and 3. A complete record of all missed and made payments since the account was opened.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Therefore, I am requesting the following : Requested Actions : 1. Provide documentation validating the charge-off status and the balance owed ; 2. Provide a full payment history, including all missed and made payments since the accounts opening ; 3. If the account is paid, settled, or no longer legally collectible, update the balance to {$0.00} or delete the negative information entirely ; 4. If you can not fully verify the reported details, the account must be deleted from my credit report ; 5. Send me an updated credit report reflecting any corrections or deletions.

If this account can not be verified as required by law, I expect it to be removed from my report immediately. If not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice if necessary.

Please respond within the required 30-day period. 
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 2025-06-25 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their refusal to investigate disputed inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a formal dispute letter to Experian via USPS, requesting an investigation into the following inaccurately reported items on my credit report : Negative Accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Issue : These accounts are inaccurately reported. 
Bankruptcy Public Record : Record : US BKPT CT FL XXXX Reference Number : XXXX Issue : The bankruptcy entry is incomplete, listing only the reference number, court name, and filing date, without providing necessary details for full and accurate reporting, as required by the FCRA. 

To verify my identity, I included all required documentation with my dispute letter : A copy of my government-issued ID My Social Security card A recent utility bill showing my current address These documents fully complied with FCRA identity verification requirements. 
On XX/XX/year>, Experian responded to my dispute letter stating that We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Experian refusal to conduct an investigation into the disputed items. This refusal constitutes a failure to fulfill their legal obligation under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days of receipt.

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 2025-06-25 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I told them it wasn't me an they keep saying it was

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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson capital system llc please see attachments, Ive paid them via $ order Ive paid XXXX via check, the account comes off of my reports as paid, then randomly gets put back on, some reports its XXXX others Jefferson capital idk what else to do!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute the adequacy of the response provided by LVNV Funding LLC / Resurgent Capital Services regarding my debt validation request. While the company responded with basic account summaries and billing statements, they failed to provide key documentation required under the Fair Debt Collection Practices Act ( FDCPA ), including : 1. A copy of the original signed contract or agreement showing I am legally obligated to this debt ; 2. Proof of legal assignment or ownership of the debt, such as a chain of title or bill of sale from the original creditor ( XXXX ) to LVNV Funding LLC. Without these documents, the debt has not been fully validated, and I maintain my right to dispute and challenge its legitimacy. Simply providing billing statements and generic account terms does not satisfy the legal requirement for proper debt verification. I request that the account remain marked as disputed on all credit reporting, that no further collection activity take place, and that this complaint be escalated or reopened for further investigation if possible. I appreciate the CFPBs continued oversight and assistance in protecting consumer rights. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Recently I decided to open a new line of credit with Capital One. They asked me to create a new account and when I did I noticed that the 2FA was trying to send the code to a weird number. When I looked closer I noticed it was an old number I had over a decade ago. When I looked into the account further I noticed they had, unbeknownst to me, linked my old account information which raises many red flags with privacy and saved data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Back in XX/XX/year>, my wallet was stolen at a park. I didn't think anything of it and never had a real reason to check my credit score since I pay for everything in cash. Recently, I've been wanting to purchase a house for my fianc and new baby on the way, and decided to look at my credit score. I was surprised at all of the activity that has occurred, which wasn't done by me. I was also in a few data breaches in XXXX, one of the bigger ones was Equifax. I have a report with the Federal Trade Commission that I will attach.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX XXXX XXXX  Account Number : XXXX Dear XXXX XXXXXXXX, I am writing to dispute inaccurate information currently being reported on my credit file related to the XXXX XXXX XXXX account listed above.

The account reflects a 30-day and 60-day late paym
ent history, even though it is currently reported as Current and Past Due {$0.00}. This is inconsistent and misleading. Additionally, the remarks state Dispute resolved consumer disagrees, but I still have not received proof of these missed payments. 
I have previously disputed this item on XX/XX/XXXX, and XX/XX/XXXX, requesting verification and a full payment history, but the responses did not provide adequate documentation to support the negative status being reported.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the credit bureau : 1. Verify the accuracy of the late payment reporting by providing : o Copies of monthly billing statements from the time of alleged delinquency, o A complete payment history including all missed and made payments ; 2. Clarify the exact dates and amounts of any payments marked late ; 3. If the negative status can not be verified, delete the inaccurate information immediately ; 4. Send me a written notice of the outcome of your reinvestigation along with an updated copy of my credit report.

Inaccurate or unverified negative items must not remain on my credit file, as they cause unwarranted harm to my credit standing and violate my rights under federal law. If this dispute is not resolved, I will consider submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse.

Thank you for your prompt attention. Please complete your investigation within the 30-day time frame required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / XXXX / TransUnion Subject : Formal Dispute Inaccurate Charge-Off and Delinquency Reporting Creditor : XXXX XXXXXXXX Account Number : XXXX Dear Equifax/XXXX/Trans Union, I am writing to dispute the accuracy of the negative information being reported on my credit file regarding the above-referenced account with XXXX XXXX 
This account is currently listed as a charge-off with XXXX XXXX, XXXX XXXX, and XXXX XXXX late payment, despite the fact that the past due balance is {$0.00} and the account was closed as of XX/XX/XXXX. These conflicting entries raise questions about the accuracy, consistency, and validity of the reported status. 
I previously disputed this item on XX/XX/XXXX, and again on XX/XX/XXXX, and requested documentation verifying the charge-off status and delinquency history. However, no valid evidence has been provided to support these derogatory entries. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Full verification of this accounts charge-off and late payment history, including : o The original agreement or contract with XXXX, o A complete itemized payment history, o Evidence that supports the reported charge-off and each late payment ; 2. If you can not verify the accuracy of this data, I demand that you delete this account or correct it immediately ; 3. Please provide me with a written response to this dispute, along with an updated copy of my credit report.

Failure to verify or correct this inaccurate information is a violation of the FCRA and unfairly damages my credit profile. If not resolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies as necessary. 
Thank you for your prompt attention to this dispute. Please complete your investigation within 30 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: WI

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Accounts were taken to litigation ; I was apparently sued and I was never served any kind of notice or papersplease note, judging from court records online, there was over an entire year between them filing their complaint and the case being dismissedthat is an entire year they failed to legally notify me of this lawsuit. 

Furthermore, this company or law firm has called me relentlessly. When speaking to representatives I have not only been threatened to be sued, but I have been the victim of harassment via offensive language and beratementthey have literally told me during a phone conversation that paying off my debt was morally the right thing and that if I didnt I was a XXXX XXXX XXXX  human. 

They also violate California law by frequently calling me more than seven times in a seven day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : Equifax / XXXX  / XXXX  Subject : Dispute of Inaccurate Charge-Off Account Number : XXXX Dear Equifax/XXXX/XXXX  XXXX, I am writing to dispute inaccurate and harmful information being reported on my credit file regarding a charged-off credit card account with [ Creditor Name ], account number [ Insert Account Number ].

This account is currently listed as charged off, which I believe is either inaccurate, incomplete, or not properly verified. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a formal investigation into this matter.

I request the following : 1. Complete validation of the charge-off status, including : o The original signed contract, o A full payment history, o Any written notice of charge-off sent to me.

2. If this information can not be verified, I request that the entire account and negative status be deleted from my credit report immediately.

3. A corrected copy of my credit report reflecting the removal or correction of this item.

Reporting unverified or inaccurate charge-off accounts damages my credit standing unfairly and violates FCRA guidelines . If you are unable to provide sufficient documentation or if the account was reported in error, I expect immediate deletion.

Please complete this investigation within the legally required 30-day period and send me confirmation in writing.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : XXXX  / XXXX  / TransUnion Subject : Dispute of Inaccurate Charge-Off Account Number : XXXX Dear XXXX/XXXX/Trans Union, I am writing to dispute inaccurate and harmful information being reported on my credit file regarding a charged-off credit card account with [ Creditor Name ], account number [ Insert Account Number ].

This account is currently listed as charged off, which I believe is either inaccurate, incomplete, or not properly verified. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a formal investigation into this matter.

I request the following : 1. Complete validation of the charge-off status, including : o The original signed contract, o A full payment history, o Any written notice of charge-off sent to me.

2. If this information can not be verified, I request that the entire account and negative status be deleted from my credit report immediately.

3. A corrected copy of my credit report reflecting the removal or correction of this item.

Reporting unverified or inaccurate charge-off accounts damages my credit standing unfairly and violates FCRA guidelines . If you are unable to provide sufficient documentation or if the account was reported in error, I expect immediate deletion.

Please complete this investigation within the legally required 30-day period and send me confirmation in writing.

Thank you for your attention to this matter. 
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 non-monetary relief