vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CT

Complaint narrative:
Equifax continues to report multiple inaccurate, unverifiable, and duplicate accounts on my credit report, causing significant financial and personal harm. These errors violate the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) ( duty to ensure maximum accuracy ) and 1681i ( duty to investigate disputes ). These reporting errors have caused loan denials, higher interest rates, and undue stress. 

Details of Inaccuracies : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$3300.00} Reported with conflicting balances and unverifiable information, violating 1681e ( b ) and 1681i. 

XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$11000.00} Account information is inaccurate and unverifiable, violating 1681e ( b ) and 1681i. 

XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$1000.00} Incorrect reporting continues to misrepresent my financial responsibility, violating 1681e ( b ) and 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX XXXX XXXX {$120000.00} Reported with unverifiable information, violating 1681e ( b ) and 1681i. 

XXXX XX/XX/XXXX Account is not mine and can not be verified, violating 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unverified and inaccurate reporting violates 1681e ( b ) and 1681i. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account can not be verified, violating 1681e ( b ) and 1681i. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX & XX/XX/XXXX Duplicate or unverifiable reporting violates 1681e ( b ) and negatively impacts my creditworthiness. 

XXXX XX/XX/XXXX Unverifiable account continues to be reported, violating 1681e ( b ) and 1681i. 

XXXX XXXX XX/XX/XXXX Account information is inaccurate and unverifiable, violating 1681e ( b ) and 1681i. 

Harm Experienced : Loan denials and higher interest rates Emotional and financial stress Damage to creditworthiness and personal reputation Requested Resolution : Delete all inaccurate, unverifiable, and duplicate accounts. 

Provide a corrected credit report reflecting compliance with FCRA 1681e ( b ) and 1681i. 

Provide written confirmation that corrections have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victim of identity theft this is not my account

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Goal Structured Solutions, LLC
State: AZ

Complaint narrative:
XXXX XXXX  is trying to collect lease payments from me, for solar power equipment that has not been maintained as agreed in the original contract with XXXX XXXX. The equipment has been producing XXXX energy for over a year now since XXXX filed bankruptcy. I tried multiple times to get the equipment repaired, tickets were opened and no one ever came to repair the equipment. So XXXX has damaged my credit by claiming that I have not made payments even when they know that the system is not working and have done nothing to fix it. I will continue to not pay and will be looking into a possible class action lawsuit against these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-08-22 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in XXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law.

Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statu
tory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby demanding that you immediately cease all communication with me regarding the above-referenced account. 

I am aware of your claim of an alleged debt in the amount of {$490.00}, reported as past due as of XX/XX/year>. However, I do not wish to receive any further phone calls, letters, emails, or other communications from your office regarding this matter. 

Please note : You may only contact me once more, in writing, to confirm that you will no longer be contacting me, or to notify me of specific legal remedies you intend to pursue. 
Any further attempts to contact me outside of what is permitted by law will be considered harassment and a direct violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted and file disputes since last year XXXX about removing XXXX XXXX  off my credit report. They no longer service my student loan debt and the loans listed were forgiven. I have spoken with with and they no longer report to credit bureaus and XXXX XXXX XXXX and XXXX XXXX are the only student loans that should be present. I have also confirmed this with XXXX XXXX XXXXXXXX XXXX XXXX accounts are over XXXX and XXXX XXXX XXXX. and should have been removed.

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 2025-08-22 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: TX

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

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 2025-08-22 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Equifax Consumer Services, I am writing to follow up on my previous request regarding the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC, did not have my XXXX XXXX consent or a court order allowing them to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CT

Complaint narrative:
I was sent a prepaid card ( debit card ) from Netspend. I did not do any paperwork or seek out this card. It seems incredibly predatory to send individuals cards and advertise it as a new card opened in your name ready to use. Again, I did not want this card or apply for it but it still came in the mail. How is this legal?

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 2025-08-22 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: CT

Complaint narrative:
TransUnion continues to report multiple inaccurate, unverifiable, and duplicative accounts on my credit file, causing significant financial and emotional harm. These errors violate the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) ( duty to ensure maximum accuracy ) and 1681i ( duty to investigate disputes ). 

Details of Inaccuracies : XXXX XXXX # XXXX Open Date XX/XX/XXXX High Balance {$3200.00} This account is inaccurately reported and unverifiable. TransUnion failed to remove it despite my dispute, violating XXXX. 

XXXX Card # XXXX Open Date XX/XX/XXXX High Balance {$3300.00} Conflicting balances and reporting errors make this account inaccurate. XXXX ( b ) requires maximum accuracy. 

XXXX XXXX # XXXX Open Date XX/XX/XXXX High Balance {$2000.00} Unverifiable account that should have been deleted under XXXX. 

XXXX Card # XXXX Open Date XX/XX/XXXX High Balance {$11000.00} Reported with inaccurate balances ; violates 1681e ( b ). 

XXXX XXXX # XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Duplicate of above ; duplicate accounts violate 1681e ( b ). 

XXXXXXXX XXXX XXXXXXXX. # XXXX Open Date XX/XX/XXXX XXXX XXXX {$120000.00} Unverified balance ; continued reporting violates 1681e ( b ) and 1681i. 

XXXX XXXX XX/XX/XXXX Account not mine and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX All accounts can not be verified ; violate 1681i. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Reported inaccurately ; violates XXXX. 

XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX XXXX accounts ; violate 1681e ( b ). 

XXXX / XXXX XX/XX/XXXX & XX/XX/XXXX Unverified accounts ; violate 1681i. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inaccurate mortgage reporting ; violates 1681e ( b ). 

XXXX XXXX XX/XX/XXXX Unverifiable ; violates 1681i. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX reporting ; violates 1681e ( b ). 

XXXX XXXX XX/XX/XXXX Not mine ; unverifiable, violates 1681e ( b ) and 1681i. 

Harm Experienced : Denial of credit and loans Higher interest rates Emotional and financial stress Damage to personal and professional reputation Requested Resolution : Immediate deletion of all inaccurate, unverifiable, and duplicate accounts. 

Provision of a corrected credit report showing compliance with FCRA XXXX ( b ) and XXXX. 

Written confirmation that these corrections have been completed.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief