vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I was charged by XXXX XXXX for a flight I booked, but I missed the flight and did not use the ticket. I also booked a XXXX  property ( through XXXX ) for XXXX XXXX, XXXX, but when I arrived, the conditions of the property were unacceptable, so I did not stay there. 

The total of these XXXX transactions was over {$800.00}. I contacted both XXXX XXXX and XXXX several times for help, but I kept getting transferred between departments. XXXX told me that since it was booked through XXXX, I had to contact them, and I was never able to get a resolution. 

I filed a dispute with Wells Fargo, and they initially credited my account while reviewing the case. Later, they reversed the credit without providing any explanation. When I called Wells Fargo in XXXXXXXX XXXX, I was told there was nothing they could do. 

This reversal caused my account to go negative by XXXX XXXX and I currently have no funds for basic needs like gas or food. 

Im asking for the CFPBs help to have Wells Fargo re-review the dispute, explain why the reversal occurred, and consider reinstating the credit or removing the negative balance, since I did not receive the services I paid for.

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 2025-10-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXT 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 XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/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 2025-10-22 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: MA

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the maximum possible accuracy required by law. These errors are causing significant and ongoing harm to meboth emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : UNAUTHORIZED COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
From XX/XX/2025 to XX/XX/2025, the debt collection company know as LVNV Funding LLC via a company called XXXX XXXX  who harassed me almost daily through XXXX email address that they shouldn't have even possessed. On XX/XX/2025, I sent a debt validation letter requesting proof of the alleged debt asking for these XXXX things : XXXX. A COMPLETE Bill of sale from the original creditor showing transfer of ownership of this specific account and amount paid. 
XXXX. A copy of the ORIGINAL signed application/contract bearing my signature. 
XXXX. A Forward Flow Agreement governing the alleged sale of debt, including terms under which this account was transferred. 
XXXX. I want to see a VAILD chain of assignment documenting every transfer of ownership of this account from the original creditor to the present time. 

On XX/XX/XXXX & XXXX, the debt collector sent me back a statement that looks like fraud, which does not prove ownership under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am sending another Cease and Desist letter on or around XX/XX/XXXX, due to their failure to provide proper proof of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/year> I recieved and email and phone call from Newrez stating the following : Here is what the streamline rate reduction would provide : Fix escrow shortage by establishing a new escrow account included into the loan amount so you dont have to pay it out of pocket Save roughly {$110.00} per month on interest o Optionally take your interest savings and apply it back to your mortgage payment to accelerate your loan term down to XXXX years. This saves XXXX on interest No mortgage payment for a month after closing Reduce rate to 5.75 % fixed No limit to how many times you can use this product The only documentation needed for this is a copy of your photo ID there is no appraisal, no income docs, no credit check. Very easy process. 


This was Misleading information for a refinance stating there would be {$100.00} off a month and no payment for XXXX months to cover up everything else. They made no mention of me buying points. Paying XXXX to save .75 % interest while adding an additional XXXX  months to the loan. 

Even though I never responded when they offered me the refinance, they turned around and sent me refinancing documents to sign to go through with it. Hoping that I was unaware and ignorant of the terrible offer they were trying to push on me. 

After having an independent analysis based on the Loan Estimate provided by XXXX XXXX. It was noted that with the interest over XXXX Years analysis, this refinance would actually cost me more money due to the amortization on the loan. 

This loan offer is also ineligible for a XXXX XXXXXXXX. It does not meet the XXXX  month recoupment test for Net Tangible Benefit. Fortunately it would never have closed if you moved forward. However, this negligible at best and predatory type of prospecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems for {$980.00}, originally from XXXX XXXX, appearing on XXXX, XXXX, and XXXX  credit reports. This debt does not belong to me and Jefferson Capital Systems has reported false, incomplete, and unverifiable information, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violations and Legal Basis XXXX FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting unverifiable or misattributed debt violates this section. 
XXXX FCRA 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must perform a reasonable investigation based on documentary proof, not electronic data matching. 
XXXX FCRA 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted immediately and not reinserted without written proof. 
XXXX FDCPA 1692g : Jefferson Capital Systems must provide full validation, including the original signed contract, itemized billing statements, and the complete chain of assignment from XXXX XXXX. None of this documentation has been provided.

5 FCRA 611 : Credit bureaus must complete a lawful reinvestigation within XXXX  days and provide supporting evidence. This has not occurred. 
Details of Inaccuracy The Jefferson Capital Systems tradeline reports as 'open collection ' with inconsistent open dates and statuses across bureaus. 
No original XXXX XXXX contract or assignment documentation has been provided. 
Bureaus continue to mark this item as 'verified ' without actual documentation, which violates FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

Requested Resolution I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Jefferson Capital Systems and require both the furnisher and the credit bureaus to : XXXX. Provide full validation of the alleged debt, including signed contract, billing history, and assignment records ; or XXXX. If validation can not be produced, require permanent deletion of this collection from all three credit reports. 
XXXX XXXX continued reporting of unverifiable data is outrageous, negligent, and willful noncompliance with federal law under FCRA 616617 and FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My personal information was exposed in Transunion 's recent data breach. I was informed through mail from the bureau that my date of birth and social security number is at risk. Upon reviewing my consumers report, these accounts DO NOT belong to me! I haven't done any business with these creditors, and I haven't given them permission to have or report anything. 

XXXX XXXX XXXX XXXX, Bal- {$530.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Bal- {$330.00}, opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX Unknown collection- XXXX, Bal- {$730.00}, opened : XX/XX/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 2025-10-22 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: AZ

Complaint narrative:
My personal information was exposed in Transunion 's recent data breach. I was informed through mail from the bureau that my date of birth and social security number is at risk. Upon reviewing my consumers report, these accounts DO NOT belong to me! I haven't done any business with these creditors, and I haven't given them permission to have or report anything. 

XXXX XXXX XXXX XXXX, Bal- {$530.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Bal- {$330.00}, opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX Unknown collection- XXXX, Bal- {$730.00}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today XX/XX/year> I wake up and noticed that my Chase card is been closed, I got that card a month ago and have no idea why they closed it, There is only XXXX thing could happen, problem is my nationality, there is no secret that banks regularly closing XXXX  accounts and its noticeable with my last name which is ending XXXX, assuming that Chase will take this meter seriously and reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report and my name were used by my old coworker and roomate to open a bunch of stuff that isnt mine. I would like to dispute these things and have them removed from my credit report. This has been a very dicult realization that I came to when I finally looked at my credit after so many years. Please help me get these things off of my credit because I didnt open these up.

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 2025-10-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-10-22 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation