vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX Subject : Dispute of Reported Late Payment During XXXX Under CARES Act To whom it may concern, I am writing to formally dispute a late payment that was reported on my credit reports during the XXXX pandemic, which I believe was unfairly and inaccurately reported in violation of federal law, specifically the * CARES Act * ( Coronavirus Aid, Relief, and Economic Security Act ) and the * Fair Credit Reporting Act ( FCRA ) *. 

My account with XXXX  XXXX XXXX, account number XXXX, was reported as late in XX/XX/XXXX, and is negatively reflected in my credit reports with * Equifax, * * Experian, and * * TransUnion *. 

Under Section 4021 of the * CARES Act, any account that was current and for which accommodations ( such as deferment, forbearance, or payment modification ) were made due to XXXX hardships, * * must continue to be reported as current * during the period of such accommodation. I was experiencing financial hardship due to the pandemic and was either granted relief or unable to make payments due to circumstances beyond my control. At no point was I properly informed that a negative report would be made.

Additionally, under * FCRA Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate or incomplete information. I request that a formal investigation be opened, and that the furnisher of this information be asked to provide supporting documentation. If the creditor is unable to verify the legitimacy of this delinquency, I respectfully request that the negative mark be * * deleted * from my credit reports. 

Attached, please find : - A copy of my government-issued ID. 
- A copy of my credit report showing the late payment. 

Please provide a written response and resolution in accordance with the law. I appreciate your time and fair handling of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ssn XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX Subject : Dispute of Reported Late Payment During XXXX Under CARES Act To whom it may concern, I am writing to formally dispute a late payment that was reported on my credit reports during the XXXX pandemic, which I believe was unfairly and inaccurately reported in violation of federal law, specifically the * CARES Act * ( Coronavirus Aid, Relief, and Economic Security Act ) and the * Fair Credit Reporting Act ( FCRA ) *. 

My account with XXXX  XXXX XXXX, account number XXXX, was reported as late in XX/XX/XXXX, and is negatively reflected in my credit reports with * Equifax, * * Experian, and * * TransUnion *. 

Under Section 4021 of the * CARES Act, any account that was current and for which accommodations ( such as deferment, forbearance, or payment modification ) were made due to XXXX hardships, * * must continue to be reported as current * during the period of such accommodation. I was experiencing financial hardship due to the pandemic and was either granted relief or unable to make payments due to circumstances beyond my control. At no point was I properly informed that a negative report would be made.

Additionally, under * FCRA Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate or incomplete information. I request that a formal investigation be opened, and that the furnisher of this information be asked to provide supporting documentation. If the creditor is unable to verify the legitimacy of this delinquency, I respectfully request that the negative mark be * * deleted * from my credit reports. 

Attached, please find : - A copy of my government-issued ID. 
- A copy of my credit report showing the late payment. 

Please provide a written response and resolution in accordance with the law. I appreciate your time and fair handling of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ssn 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 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed on XXXX XX/XX/year>, thinking it was my friend who sell a camper. I paid {$1000.00} as deposit to keep it for me. I was using XXXX with my Wells Fargo account. I was under the impression that to send monies to a client, Wells Fargo would have been inspected and approve their clients to be on their platform. This is a lot of monies to me, as my husband and I on retirement and cant afford losing {$1000.00}, I called Wells Fargo the same day but received a letter on the XXXX XXXX, that they denied my claim and closed it,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-07-23 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-07-23 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-07-23 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 submitting this complaint against TransUnion for continuing to report a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX even after I disputed this item on XX/XX/year>. 

The account is not reported on XXXX, which raises inconsistencies. TransUnion has not provided documentation to support the charge-off, such as a signed agreement or detailed billing history.

TransUnion is in violation of : FCRA 1681e ( b ) : Inconsistent and inaccurate reporting FCRA 1681i ( a ) : Failure to verify and reinvestigate FCRA 1681c-2 : I assert my right to block unverifiable information

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 2025-07-23 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
An agent from XXXX came to my home in summer last year during the month of XX/XX/year> and told me about installing solar energy at my house. He lied to me telling me that if I install the solar energy at my home I will no longer pay XXXX bills. He also lied to me telling me if I install the solar energy that I will receive {$14000.00} from the IRS at the end of the year in my tax return. He also said it was a program for all the new houses in my area. He sent me documents to sign online in my email and told me to sign them because it was for getting permission from XXXX to install the solar energy. After XXXX Installed the solar energy, I received a call from DIVIDEND telling me that I signed for a loan of {$49000.00} for installing the solar energy and that I have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple accounts on my consumer report are directly linked to identity theft, and I never provided written authorization or a wet signature for their inclusion on my credit file. I previously contacted your organization about this serious matter and am now formally demanding the immediate blocking and removal of these fraudulent accounts from my report. The continued presence of these unauthorized items has caused substantial emotional and financial distress by creating an inaccurate representation of my actual credit history and financial obligations. These fraudulent entries have significantly impacted my ability to achieve critical financial objectives, including purchasing a home and adequately providing for my family 's needs. Without appropriate resolution of this identity theft issue, I am fully prepared to pursue legal action to protect my consumer rights and seek proper remediation.

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 2025-07-23 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:
Multiple accounts on my consumer report are directly linked to identity theft, and I never provided written authorization or a wet signature for their inclusion on my credit file. I previously contacted your organization about this serious matter and am now formally demanding the immediate blocking and removal of these fraudulent accounts from my report. The continued presence of these unauthorized items has caused substantial emotional and financial distress by creating an inaccurate representation of my actual credit history and financial obligations. These fraudulent entries have significantly impacted my ability to achieve critical financial objectives, including purchasing a home and adequately providing for my family 's needs. Without appropriate resolution of this identity theft issue, I am fully prepared to pursue legal action to protect my consumer rights and seek proper remediation.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: MI

Complaint narrative:
Date : XX/XX/year>2025 This is to notify you that I am disputing the validity of a debt that you allege I owe and that you may be reporting to one or more consumer reporting agencies. This is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and a notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2.

I am requesting the following information : 1. The name and address of the original creditor ; 2. A copy of the original contract or agreement bearing my signature, or any legal documentation proving I agreed to the alleged debt ; 3. An itemized breakdown of the total debt amount, including interest, fees, and charges ; 4. Proof that you are authorized and licensed to collect debts in my state ; 5. The date of first delinquency and verification that the debt is still within the statute of limitations ; 6. Verification that this debt has not been paid or discharged.

Additional Notice : If you are furnishing information about this alleged debt to any credit reporting agency, you are obligated under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) to only report accurate and verifiable information. If the information can not be verified, it must be removed. Furthermore : You must mark the account as disputed with all credit reporting agencies.

You must cease all collection and reporting activities until you have fully validated the debt.

Failure to Respond : If you do not provide the requested validation within 30 days of receiving this notice, I demand that you : Cease all collection activities immediately ; Remove any negative information from my credit reports ; and Provide written confirmation of your compliance.

This letter serves as evidence that you are either reporting unverifiable debt, engaging in unfair collection practices, or failing to follow federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes to all three credit bureaus TransUnion, Experian, and Equifax regarding inaccurate and unverifiable information on my credit reports. Despite providing supporting documentation and following the proper dispute process, the credit bureaus failed to investigate properly and did not correct or remove the inaccurate items. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i which requires the bureaus to conduct a reasonable reinvestigation within 30 days ; and 15 U.S. Code 1681e ( b ) which requires them to ensure the maximum possible accuracy of the information they report. 

The inaccurate information continues to negatively affect my credit score, which is impacting my ability to get approved for basic financial needs. I am requesting that the CFPB step in to enforce compliance and ensure that the credit bureaus either verify or permanently remove the disputed items. 

I am attaching copies of the original dispute letters, responses ( if any ), and supporting documentation for your review. 

Thank you.

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