vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: 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 XXXXXXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
For the past two weeks I have had to receive my weekly paycheck via a paper check instead of direct deposit. The check is exactly the same as my direct deposit but mailed to me instead. The amount of the check is exactly the same each week also. Last week I did the mobile deposit and the next morning my funds were deposited. I did mobile deposit again this week for the same amount same everything. When I woke up this morning only a small portion had been deposited. I immediately called because I need my money to purchase my insulin today. I was told two different things from two different representatives. The last one said it was due to unusual activity on my account. I havent even used my account for anything. I received an email stating the check had been deposited this morning and showed the account balance of XXXX the amount of my paycheck but only XXXX was available. I went to social media and Wells Fargo said it would be two business days. I ended up having a XXXX XXXX  and had to go and have emergency medical treatment to have XXXX  given via XXXX. My XXXX XXXX went up to XXXX. I cant even but basic needs for myself right now. I live paycheck to paycheck and my medication I take is expensive even with insurance. They are refusing to release the funds. The issuing company released the funds Friday to Wells Fargo. Even the email from Wells Fargo states the check cleared and was deposited into 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 2025-07-26 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: SC

Complaint narrative:
I am writing to dispute the reporting of a charged-off account from XXXX XXXXXXXX XXXX on my credit report. The account is listed with a past due amount of {$900.00} and marked as charged off as of XX/XX/year>. However, I believe this reporting is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I never received any formal notice of the charge-off, and there was no proper communication or validation of the debt prior to the reporting. Additionally, this account is continuing to reflect negative remarks and late payments months after the date of last activity, which may not comply with FCRA accuracy requirements. 

I am requesting that this account be properly investigated, verified with the original creditor, and corrected or removed from my credit report if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal transfer to third party collections XXXX XXXX XXXX they sent correspondence I wort back asking for wet ink signature, authority to collect, chain of title. Sent thru mailing certified green no response sent a cease and Desist to both companies. Have been harmful to my family for 2 yrs on a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I use American Express Serve as my personal card and yesterday while I was trying to buy food while at work my card only paid part of the transaction which didn't make sense because I had over XXXX dollars on my account the last time I had checked it which was the morning of XX/XX/year> at around XXXXXXXX XXXX But when I checked my card balance again at around XXXX on XX/XX/year> it said that I had a balance of {$0.00} and that I had made XXXX separate atm withdrawals both to the amount of {$100.00} and XXXX withdraw fees of {$2.00} which is impossible because the location that the withdrawals were made was at a XXXX XXXX a XXXX XXXX that I was no where near seeing how I was work at the time of the withdrawals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint specifically against XXXX  regarding a fraud incident on my XXXX  account. On XX/XX/scrub> 2025, I received an email from XXXX stating that my bank account is no longer linked to my XXXX  account. I called what I thought was XXXX  support. They had me do all sorts of manuevers on my phone while looking at my screen. The guided me and scammed me and stole {$2400.00}. From my checking account. I told them to put it back. I contacted XXXX  for help and they admitted fault, but they only refunded me {$930.00}. That is not the full amount that was stolen from my account using their app. That was partial payment. I would like XXXX  to pay me the remaining {$1500.00}. The partial payment is not acceptable. That is my money and I was scammed. I have phone numbers, XXXX  transaction history, dates, screen shots, and names. I am filing a police report today and will send it over immediately. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I was working on my credit from Transunion in order to get a new car and I realized that I that I had damages on my report according to the 15 USC 1681 law, there should not be any damages on your report. It is a defamation to your character. Attached is results from disputes.

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 2025-07-26 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 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: FL

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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

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 2025-07-26 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: NY

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} UNAUTHORIZED INQUIRIES : 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX Inconsistencies reported from all reporting bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit {$1400.00} vs {$1500.00} Account type details I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 


Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
I recently checked my credit report and noticed some fraudulent accounts. please remove these accounts from my reports as they affect my ability to receive credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-26 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They attempted to sue me and then didnt show up for court. My understanding means that if you dont show up its on you. I was there they didnt show up, should have been the end of it. Just got a letter in the mail stating they placed a lien on my property. Didnt get any sort of notification that I even had court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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

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 2025-07-26 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: FL

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am disputing a derogatory account being reported by XXXX ( Original Creditor : XXXX XXXX ) on my credit report with TransUnion. The account shows a balance of {$200.00} and was last reported on XX/XX/year>. I do not recognize this account and have no contractual agreement or relationship with this company. I never authorized this account and was never notified of any debt owed. 

I exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting a dispute and requesting validation of the account. However, I never received sufficient documentation to verify the legitimacy of the account, such as a signed contract or billing statements. Despite this, the account remains on my credit file and is causing harm to my creditworthiness.

Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed item. If the information can not be verified, it must be deleted. Furthermore, per 15 U.S.C. 1681e ( b ), the credit bureaus are obligated to ensure maximum possible accuracy in the information they report. 

This account is inaccurate, unverifiable, and is negatively impacting 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 non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I am disputing inaccurate information being reported by Equifax regarding a charged-off account from XXXX XXXXXXXX XXXX XXXX The account is listed as having a {$900.00} balance with a charge-off date of XX/XX/XXXX, and a last payment of XX/XX/XXXX. 

However, Equifaxs own payment history shows OK ( on-time ) status for XXXX, XXXX, and XX/XX/XXXX, which contradicts the claim that I stopped making payments after XX/XX/XXXX. Furthermore, the account suddenly jumps from " OK '' to " 30 '' to " 120 '' to " CO '' in a timeline that does not reflect actual payment progression. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. This flawed reporting may be negatively impacting my credit profile unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the accuracy and completeness of the tradeline reported by XXXX XXXX XXXX, originally related to XXXX XXXX XXXX. This account is being reported inconsistently across the credit bureausTransUnion, Experian, and Equifax. 

Specifically : The account is listed as both an Open Account and Installment, with varying classifications including Debt Buyer, which is misleading and may constitute incorrect reporting under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data with maximum possible accuracy.

The balance of {$1800.00} is reported as past due by both Experian and Equifax, but no payments have been made, and there is no consistent payment history reflected to justify this delinquency or the charge-off status.

The tradeline indicates Seriously past due/ assigned to collection agency, yet fails to properly validate or document any communication regarding this status, as required under 15 U.S. Code 1681i and 1692g ( b ), which govern dispute resolution and debt validation.

I previously disputed this account, and it is now marked as Account information disputed by consumer, yet the inaccurate information has not been corrected or removed after more than 30 days, violating FCRA dispute procedures. 

I believe this tradeline is being reported inaccurately and is negatively affecting my credit profile without sufficient validation or documentation.

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