vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Il. XXXX DOB : XX/XX/XXXX SSN : XXXX Re : immediate removal request of ( XXXX XXXX XXXX Resurgent Capital Services- Acct XXXX XXXXXXXX Dear Credit Bureau XXXX 
This is my third time disputing this account. As I mentioned in my previous dispute requests, this account is Still reporting inaccurately. My credit reputation is on the line due to your constant neglect for my credit and the FCRA. 
I am looking at my credit report as we speak, and the accounts that I previously disputed with your company is Still inaccurate and apparently can not be verified with accordance to the law, yet you are still stating that it is Which is a lie!

I am requesting the following HOW DID YU INVESTIGATE THIS ACCOUNT WHO DID YOU SPEAK TO?

WHAT DATE AND TIME WAS THE INVESTIGATION PERFORMED?

WHAT EXACTLY DID THEY SAY?

WHAT INFORMATION DID THEY PROVIDE BEARING THAT THIS ACCOUNT IS 100 % ACCURATE?

My credit report is very serious to me, this is a vital matter to me, and I am now requesting the this account be removed from my credit report immediately!!

Lastly, I ' am requesting an update copy of my credit reporting bearing that this information was ( corrected or removed. ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to dispute the accuracy of a collection account reported by XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/year>, with a balance of {$150.00}. This derogatory account is currently appearing across all three major credit bureausXXXX XXXX and TransUnionyet I have no verifiable knowledge of this debt, and I was never notified of any balance owed prior to it being sent to collections.

This entry is deeply concerning because I have not received any legitimate billing statement, service cancellation notice, or formal collections correspondence from XXXX. The account is unfamiliar to me, and I have taken steps to maintain all of my service accounts in good standing. Given the wave of data security issues and breaches that have affected major corporations in recent yearsincluding XXXX and the credit bureaus themselvesI strongly suspect this may be a case of inaccurate data stemming from a breach or compromised consumer records.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a proper and timely reinvestigation of any disputed item, and any data that can not be verified with original, reliable documentation must be promptly deleted under 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, 15 U.S.C. 1681e ( b ) mandates that all information reported about consumers must be accurate and complete. Reporting this collection account without properly confirming its legitimacy is both misleading and damaging to my financial standing. 

This negative mark is now unfairly affecting my creditworthiness and causing stress, especially since I was never informed of any delinquency by XXXX itself. I have always taken my financial obligations seriously, and I deserve clarity and fairness in how my credit history is represented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Complaint Title : Reversal of ATM Deposit Credit {$5700.00} at Wells Fargo ( Jammed ATM ) Details of the Complaint : On XX/XX/year>2025, I deposited multiple business checks totaling approximately {$5700.00} into a Wells Fargo ATM located at XXXX XXXX XXXX, XXXX, VA XXXX. The ATM jammed mid-deposit, and the checks were not returned. 

I contacted Wells Fargo customer service the following Monday and was advised to provide an estimate. A temporary credit of {$5700.00} was issued to my account. However, the credit was later reversed without resolution. 

This incident involved a large number of checks from different clients, many of whom I can not contact to reissue the checks. As a small business, this has created significant financial hardship. 

Despite providing details, including the deposit location and estimated amount, the bank has not recovered or credited the funds. I am now requesting CFPB assistance to initiate a formal investigation and help recover the missing deposit. 

Account & Contact Info : Business Name : XXXX XXXX XXXX Wells Fargo Account Ending : XXXX Phone Number : XXXX Claim Number with Wells Fargo : XXXX Branch Location : XXXX XXXX XXXX, XXXX, VA XXXX I am prepared to take legal action if this issue is not resolved, but I am seeking CFPB help first to resolve it through proper channels. 

Thank you for your attention. 

Sincerely, 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am 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 2025-06-04 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Starmark Financial LLC
State: TN

Complaint narrative:
I am filing a complaint against Starmark Financial LLC. This company has been attempting to collect a debt from me by contacting me via phone, email, and text messages beginning on or around XXXX of XXXX. 

Upon researching the companys licensing status, I discovered that their debt collection license is expired in the state of Tennessee, as shown on the Tennessee Department of Commerce and Insurance licensing website. As of XX/XX/year>, their license is listed as expired or not current, which means they are not legally authorized to collect debts in this state. 

Despite this, the company has continued collection efforts including multiple calls, emails and text messages. I believe this violates both Tennessee state law, which requires a valid license to operate as a debt collector, and possibly the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the CFPB investigate this company for conducting unlicensed debt collectionactivity in Tennessee. As the company is not legally authorized to collect debts in this state, I am also requesting that : 1. All collection efforts immediately cease, 2. The alleged debt be deleted from my credit report, and 3. The company be held accountable for any violations of the Fair Debt Collection Practices Act and Tennessee law.

I would appreciate follow-up on any enforcement or resolution steps taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Summary of Complaint : I am writing to formally dispute inaccurate and potentially harmful information being reported to the credit bureaus by the following creditors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX  ). These inaccuracies are negatively impacting my credit profile and do not accurately reflect my credit behavior or payment history. I respectfully request that each of these matters be investigated in accordance with the Fair Credit Reporting Act ( FCRA ) and corrected or removed from my credit report as appropriate. 
________________________________________ Disputed Accounts and Issues : XXXX XXXX  XXXX XXXX  XXXX Issue : This account was reported as closed on XX/XX/XXXX, yet it reflects a balance of {$440.00}. 
o Concern : Closed accounts should not report a balance unless it is in collections, which this account is not. This reporting is misleading and inaccurate. 
XXXX. XXXX XXXX XXXX o Issue : The account inaccurately shows late payments for XXXX and XX/XX/XXXX. 
o Concern : I was not late during these months. I request a validation of the payment history and the removal of these false late entries. 
XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX o Issue : The account is reporting XXXX late payments. 
o Concern : I dispute the accuracy of these late payment notations and request validation of each. If proper verification can not be provided, I request they be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) o Account Opened : XX/XX/XXXX o Issue : This account contains inaccurate or incomplete data regarding payment history and/or current status. 
o Concern : I request a full investigation into the reporting of this account to ensure all data complies with FCRA accuracy standards. 
________________________________________ Action Requested : Under the FCRA, I am entitled to a reasonable investigation of any information I dispute. I respectfully request the following : A thorough investigation of each disputed item ; Removal or correction of any inaccurate or unverifiable information ; A written explanation of the outcome of each investigation ; An updated copy of my credit report reflecting the corrections, if any. 
Attached are any supporting documents I have available, including statements and correspondence with the creditors, if applicable. 
________________________________________ Closing : Please treat this matter with urgency. Inaccurate reporting not only harms consumers financial opportunities but also violates federal law. If the investigation results in no change, please provide detailed documentation supporting the continued reporting. 
Thank you for your attention and cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Account ( XXXX XXXXXXXX Bank XXXX {$2600.00} ) Dear Equifax Dispute Department , I am writing to formally dispute the reporting of a charged-off account currently appearing on my Equifax credit report : XXXX. Creditor : XXXX XXXX Bank XXXX Reported Balance : {$2600.00} Status : Charged Off I am requesting the immediate and permanent deletion of this account from my Equifax credit file. Its continued reporting may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) particularly 15 U.S.C. XXXXb, which outlines the permissible purpose required for reporting data on a consumer credit report. 

I have no active legal obligation tied to this account, and I question the validity of its presence under current FCRA guidelines. If the debt has been sold, transferred, or otherwise closed, and no legitimate authority can verify the accounts accuracy and continued relevance, Equifax is required to remove it. 

FCRA Legal Grounds for Deletion : 15 U.S.C. XXXXb Permissible Purpose : A credit report may only contain items with a legitimate, authorized purpose. If this XXXX XXXX account no longer serves such a purpose, it must be deleted. 
15 U.S.C. XXXXe ( b ) Maximum Possible Accuracy : Equifax must ensure all data is complete, accurate, and not misleading. Reporting a charged-off, potentially outdated or unverifiable account violates this requirement. 
15 U.S.C. XXXXi Reinvestigation of Disputed Information : Upon receiving this dispute, Equifax must reinvestigate the entry and delete any data that can not be verified within XXXX days. 

Requested Action : XXXX. Permanently delete the XXXX XXXX Bank XXXX account ( {$2600.00} ) from my Equifax credit report. 

XXXX. Block reinsertion unless fully verified documentation is provided in compliance with 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ). 

XXXX. Provide a written confirmation of your reinvestigation and the outcome of this dispute. 

If Equifax fails to respond lawfully and in a timely manner, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider seeking legal remedies under 15 U.S.C. XXXX & XXXX for willful or negligent noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I expect a full resolution within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Complaint Against : Citibank Product : Personal Checking Account / Debit Card Issue : XXXX discrimination, blocked XXXXXXXX XXXX  access, and failure to resolve transaction restrictions I am filing a formal complaint against Citibank for : Restricting access to my debit card/XXXX XXXX functionality without a clear reason Requiring me to make a voice call through a third-party interpreter ( as I am deaf ) to authorize my account which violates my right to privacy and is discriminatory under the Americans with Disabilities Act ( ADA ) Failure to resolve a blocked transaction, even after multiple contacts via chat and a phone call totaling over XXXX XXXX Citibank declined my XXXX XXXXXXXX transactions for {$1900.00} and {$2300.00} with no valid reason, stating only that the transaction was ineligible. This restriction occurred only after I got a new phone XXXX confirmed that they did not block the transaction, and that the issue is on Citibanks end. 

I attempted to resolve the issue, but was told to call the fraud department. Since I am deaf, I had to use a third-party interpreter to make the call, which exposed private financial details to someone outside of Citi or XXXX violating my right to privacy and secure verification. 

The representative admitted there was no suspicious activity, yet the block remains. 

I am requesting the CFPB to : Investigate Citibank 's compliance with XXXX standards Determine whether the denial of my transactions constitutes discrimination Ensure that Citibank provides accessible, secure identity verification for individuals with XXXX Require Citibank to provide written explanation for the XXXXXXXX XXXX restrictions and unblock valid transactions This experience has been discriminatory, frustrating, and damaging. I have fully repaid any past account obligations and have not engaged in any recent violations or fraud. I am being treated unfairly based on outdated or internal policy logic without justification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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