vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
I want to follow up my dispute on the currently reporting inaccurate, misleading, and defamatory information in my credit file in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they furnish.The following information in my credit report is false, incomplete, or materially misleading : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX  XXXX XXXX XXXX Balance Owed : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adelante, Inc
State: NV

Complaint narrative:
I received a missed call on XX/XX/year> from a " Account Services '' Phone : XXXX. 

I checked my voice mail and received a message that the call was related to a debt collection. 

I do not have any accounts in arrears. 

I called the number back and told them that I do not have any debts in collection. 

They asked if an unknown woman lives here and I told them nobody by that name lives here and that they need to correct their wrong information and lose my phone number. 

This so far is the first and only call that I have received about this fraudulent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Bank errors in billing and reporting are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately apply payments and credits. However, my accounts reflect : Payments I made that were not properly recorded. 

Calculation errors in reported balances. 

Failure to provide the required XXXX notice before a due date, making late payment marks invalid. 

These errors violate federal law and have directly harmed my credit standing.

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 2025-09-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date of deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : ATM showed an error, printed a receipt instructing me to call customer service. 

Action Taken : Called customer service on the next business day and reported the issue. 

Bank Response : Told the investigation would take up to 10 days. No provisional credit was issued. 

Concern : I urgently need the funds but my request was ignored. Resolution process is unreasonably slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, I spoke with Wells Fargo managers about a duplicate {$1600.00} payment. I was told that the payment hold would clear automatically and that no further action was required. I relied on this guidance in good faith. 

However, this information was incorrect. Wells Fargo later admitted in writing that I was given misinformation, but they still refused to correct the delinquency reported to the credit bureaus. As a result, my credit report now inaccurately shows a late payment, which has severely damaged my credit score ( previously around XXXX ). 

I have tried to resolve this directly with Wells Fargo, but despite admitting fault, they continue to report inaccurate information. 

I am requesting that Wells Fargo be required to : XXXX. Remove the delinquency from my credit reports with Experian, Equifax, and TransUnion. 
XXXX. Refund the fees and interest charges that resulted from their misinformation. 

I have attached Wells Fargos correspondence confirming that I was misinformed.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I went to the XXXX branch of WSFS, where I had opened my account. When presenting the check and my driver 's license at the drive thru window, the bank manager, who happened to be actively working that area, told me that they would not be cashing my check. When asked why, he said that since it was made out to a trust, I could not cash it, but had to open an account at another institution under the same name and deposited it there. 

The problems I have with this situation are : XXXX ). I did not instigate the closure of the account ; they took it upon themselves to send me my remaining funds. 
XXXX ). When opening the account, they set up the account as a personal account, when it was a trust with a XXXX ; should have been a business account- NO ASSOCIATION WITH MY SSN XXXX ). The checks issued to XXXX XXXX XXXX rather than XXXX XXXX XXXX, totally wrong as their strawman was not involved but they imply that the XXXX is involved. They also sent the last check to XXXX XXXX XXXX REV XXXX XXXX. When in actuality, the trust is not a corporation as their name would imply. The actual name is XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX ). Any check drawn on a bank should be honored by that banking institution. They are guilting of fraud. If they established my account as XXXX XXXX XXXX on the account checks, that is what should have been what appeared on the PAY TO ORDER OF line on the final check.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
My loan with SoFi was fully paid and closed with a balance of {$0.00} as of XX/XX/year>. I have requested that this updated balance be reflected on my credit reports with XXXX XXXX, and XXXX 
However, as of XX/XX/year>, my credit reports continue to show an incorrect balance. Enclosed is proof confirming the {$0.00} balance for your review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX AND CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
b"I started paying my solar finance company Mosaic over a year a go payments of around XXXX a month. My beginning original balance was XXXX and as of today XXXX the balance i owe is XXXX. The interest is XXXX. How is my loan not going down. My first payment was XXXX XXXX This is something i feel this company is taking advantage of me and other customers. I also know the company went bankrupt and was told nothing would've changed on my loan. I feel i will never get out of this debt and feel cheated on. \n\nMosaicXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT / HWARFIELD Debt Validation Letter XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : [ Debt Collector Address ] Subject : Debt Validation Request Pursuant to FDCPA 809 To Whom It May Concern : I am requesting validation of the debts you are reporting : - PROCOLLECT , INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} - XXXX Account Number : XXXXXXXX XXXX XXXX Balance : {$4000.00} Under FDCPA 809, you are required to provide proper validation of this debt, including : 1. A copy of the original signed agreement, 2. A full accounting of the alleged balance, 3. Proof that you are legally authorized to collect this debt.

Until such validation is provided, you must cease collection activity and remove this item from all credit reporting agencies. Failure to comply may constitute a violation of the FDCPA and FCRA. 

Sincerely,

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This dispute concerns fraudulent accounts that appear on my credit report without my authorization. I did not open or consent to these accounts, and their reporting is false and damaging. The continued presence of these accounts creates an inaccurate reflection of my creditworthiness.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX Original XXXX XXXXXXXX XXXX XXXX. 
Balance {$1400.00} Balance updatedAug XXXX XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXX. 
XXXX {$660.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. Multiple accounts were open using my personal information ( name, address, date of birth, and ssn ). This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent and or unauthorized accounts from my credit report immediately. Other fraudulent accounts listed as follows : 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-09-11 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: TN

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Transunion continues to report the account and the inquiries, causing ongoing harm. 

Transunion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 2025-09-11 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: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I contacted Source Receivables Managment on XX/XX/year> at approximately XXXX regarding an account they are collecting. I was offered a payment plan and a settlement for less than the full balance, but when I requested the terms in writing, the representative stated they would not provide anything in writing until after the final payment was made. This denies me the ability to verify the settlement terms before making payments and puts me at risk of paying without any guarantee of resolution. I believe this is an unfair and deceptive debt collection practice and request investigation.

Company response to consumer: Closed with explanation