vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: MN

Complaint narrative:
XXXX XXXX  maintains three defaulted credit cards on my personal credit report. They claim on my credit report with each credit reporting agency, Experian, Trans Union, and Equifax respectively that each of these defaulted credit card balanced has been sold to a third-party debt-buyer. However, the legal protocol on the transfer of debt is as follows : A Bill of Sale on every debt transfer must be an individual action. The Bill of Sale must have a true-copy original signatures of principals of the procuring financial institution.

Upon sale of any asset, the original file can be purged as the originality has if properly done the asset of the debt-buying entity. 
The debt-buyer must have proper licensing with the XXXX XXXX  XXXX XXXX XXXX 
The debt-buyer must be properly bonded with the national licensing entity, and in most cases maintain a separate license within each state where they have obtained debt purchases. This may also pertain to bonding on a state-by-state basis also. 
The responsible party that obtained the benefit of extended credit from the procuring financial institution, must prove legal transfer to the consumer by send a letter of transfer, the third-party the purchased the debt, and a copy of the original Bill of Sale to the third-party purchaser. 
XXXX XXXX  has shown XXXX proof of any legitimate transfer of assets they originally procured to my benefit. All that was done was an illegal transfer of my personal information to a third-party. This action is illegal without the protocol completed. 
Accordingly, each tradeline still maintained on all credit reporting agencies must be voided immediately and permanently. 
I bring these violations to all credit reporting agencies to prove that violations were made against the subscriber agreement this financial institution has with Experian, Equifax, and Trans Union. 
ALL TRADELINES MUST BE DELETED FROM MY CREDIT REPORTS NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I disputed a CBE Group collection account for a utility bill ( XXXX XXXX XXXX  ) because the {$4600.00} balance appeared inaccurate and unverifiable. I sent CBE a written Debt Validation Request under FDCPA 809 ( b ). CBE never provided any validationno billing statements, no account history, and no documentation proving the amount owed.

Despite failing to validate the debt, CBE continued reporting this account to the credit bureaus. This violates FDCPA 807 ( 2 ) ( A ) because CBE is reporting and attempting to collect an amount they can not substantiate. It also violates FDCPA 808 because they continued collection activity while they were legally required to stop until they validated the debt. 

After receiving no validation, I disputed this account with the credit bureaus. However, the bureaus verified the account even though CBE never responded. This violates FCRA 611 ( a ) ( 1 ), because no reasonable reinvestigation can occur without validation, and violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), because the information is unverified and inconsistent. 
I am requesting CFPB assistance because CBE is reporting and attempting to collect an inaccurate and unvalidated utility debt, and the credit bureaus continue publishing the account without documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my credit report on XX/XX/year> and I notice a few unauthorize inquiries in my credit report.

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 2025-11-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I contacted the company after several calls and they failed to send a validation notice within 5 days after firs contact, I have also disputed the debt and have not received any response for well over the 15 day requirement, I have also been told now there is a one dollar charge to even pull my report on their system to begin talking about my alleged debt. Just to be noted i have the receipts of them receiving these letters by verified mail and the location it was sent from as well as the date.

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 2025-11-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) failed to provide legally required validation under FDCPA 809 ( b ) and continues to furnish inaccurate and incomplete information to XXXX, XXXX, and XXXX  in violation of FCRA 623 ( a ).

PRA provided only ( 1 ) a generic now owns letter from XXXX XXXX and ( 2 ) a statement of the balance. They did NOT provide : itemized accounting, full chain of title, proof of ownership tied to my account, original signed agreement, transaction history, documentation supporting the reported balance.

This is NOT legally sufficient validation.

The validation package PRA sent me is attached.

( From pages 14 of their response. ) Further Violations : Re-aging ( illegal ) PRA is reporting late payments after XXXX XXXX charged off the account. 

Missing DOFD None of the bureaus report the correct DOFD from XXXX  XXXX ( FCRA 623 ( a ) ( 5 ) ). 

Conflicting statuses Reported as Collection, Charge-Off, and Open.

Time-barred debt misuse PRA admits the debt is beyond the statute of limitations but continues to report in a misleading manner.

Inconsistent reporting across bureaus PRA claims they verified but provided no documentation. 

XXXX XXXX  and XXXX  Violations ( FCRA 611 ( a ) ) : All 3 bureaus failed to conduct a reasonable reinvestigation : XXXX  simply marked the account as Active Dispute and closed the investigation.

XXXX  claimed verified and changed one field but did not address the inaccuracies. 

XXXX  failed to correct DOFD or re-aging and kept contradictory statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXWells Fargo Bank (WFB) offers REWARDS points for their Business Credit Card Accounts.   One of the options for rewards is gift cards.XXXXOn XXXX I Ordered/Redeemed XXXX  points for two XXXX physical XXXX XXXX Gift Card which were mailed to meXXXXOrder NumberXXXX XXXX XXXX  I Ordered/Redeemed XXXX points for XXXX XXXXXXXX  physical XXXX XXXX Gift Card which were mailed to me.XXXXOrder Number: XXXXWhen attempting to use the first two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I found that both of these XXXX  cards ($200 total) were invalid and had no value.\nI called the XXXX XXXX XXXX line to request replacement gift cards.   They told me to contact my bank who issued the gift cards.XXXX  contacted WFB Rewards and they were helpful and said this was a common problem and filed an investigation. XXXXTwo weeks later they sent me two replacement gift cardsXXXXI then ordered three more on XXXX XXXX XXXX (See above)XXXXI now had five gift cards (Total value XXXX in my possessionXXXXWhen I went to XXXX XXXX  on XXXX XXXX XXXX, I discovered that the two replacement ($200) of my gift cards were invalided.XXXX then made a special trip to XXXX XXXX on XXXX XXXX XXXX  to redetermine the value of all five of my XXXX gift cards. I was told by customer service that all five ($500) of my gift cards were invalided and had no value.XXXX once again contacted WFB Rewards on XXXX XXXX XXXX  and they filed another investigation.  On XXXX, XXXX XXXX XXXX I was contacted by phone by WFB Rewards and was told they would not replace the five XXXX gift cardsXXXXI have been cheated out of 50,000 rewards points XXXX XXXX worth of Gift Cards. \nThe five cards areXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am requesting that WFB that WFB Rewards:XXXXReplace XXXX  rewards points to my account, ORXXXXReplace all XXXX XXXX Gift Cards with VALID Home Depot Gift Cards\nI may be contacted at:XXXXWork PhoneXXXX XXXXmailXXXX XXXXCell PhoneXXXX XXXXThank youXXXX XXXXCompany NamXXXX XXXX XXXX XXXXWells Fargo RewardXXXX XXXXCredit Card Ending in: XXXXMembership 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 2025-11-28 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-28 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: FL

Complaint narrative:
The entry in question contains inaccuracies and does not provide a complete portrayal of my financial behavior. I ask that it be reviewed and corrected accordingly.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: BTH Management
State: SC

Complaint narrative:
Plaza Services LLC is reporting the account Plaza Services LLC Collection XXXX in violation of the Fair Credit Reporting Act. I disputed this account with the credit bureaus and directly with the furnisher. Plaza Services failed to provide any supporting documentation, validation, or evidence of ownership of the alleged debt. No contract, no itemized account history, no assignment records, and no proof of the reported dates or balance were provided. This violates FCRA section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). Reporting is inconsistent across bureaus, violating section 607 ( b ). Plaza Services also failed its duties under FCRA section 623 ( b ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( D ) by refusing to conduct a reasonable investigation and by continuing to furnish unverifiable information. Under controlling case law including XXXX v. TransUnion, XXXX XXXX XXXX, and XXXX v. Equifax, any information that can not be verified must be deleted. The account remains unverified and is causing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
n XXXX, I identified an inaccurate entry on my credit report related to TEK COLLECT showing a balance of {$1400.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt.

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. TEK COLLECT did not provide proper verification and did not respond to my request.

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation