vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
In XX/XX/year>, Monterey Collection Services began reporting a collection account on my XXXX  credit report for a XXXX XXXX, XXXX ( also known as XXXXXXXX  ) account, showing an original balance of {$5200.00} and a current balance of {$6400.00}. 

On XX/XX/year>, the Federal Trade Commission announced a settlement requiring XXXX XXXX XXXX  to provide {$27.00} XXXX in debt cancellation and {$15.00} XXXX in cash redress due to deceptive practices that harmed servicemembers and their families. I was XXXX of the consumers covered under this settlement, and my XXXX XXXX debt was included in the cancellation. 

Despite this, Monterey Collection Services continues to report the account as if I owe {$6400.00}. This reporting is inaccurate and misleading, as the debt was legally canceled under the FTC order. 

I am requesting that the tradeline be corrected to show a {$0.00} balance or removed entirely from my credit report to comply with the FTC settlement terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Card Charge Closed Account Dear Wells Fargo Card Services, I am writing to formally dispute a charge that has appeared on my Wells Fargo credit card account. According to my records, this account was closed on XX/XX/year>, and therefore no new transactions should have been processed. 
The disputed transaction is as follows : Transaction XXXX Amount {$200.00} USD Account Number ( last 4 digits ) XXXX Because my account has already been closed, I am not responsible for this charge. This transaction is unauthorized and invalid. I respectfully request that Wells Fargo : 1. Immediately remove this charge from my account records.

2. Provide written confirmation that my account remains closed with no outstanding balance.

3. Ensure that no negative information related to this disputed charge is reported to any credit reporting agencies.

This dispute is made pursuant to my rights under the Fair Credit Billing Act ( FCBA ). Please investigate this matter promptly and correct my account accordingly. 
Enclosed are copies of any supporting documents ( if applicable ). Please provide written confirmation of the results of your investigation. 
Thank you for your immediate attention to 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I have never been late on this or any credit card account since XXXX XXXX. 

I lost my job on XXXX XXXX to a full division layoff, with 350 other employees. 

I paid all credit cards on time until XX/XX/XXXX, when i had one payment returned to XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 
I made up that payment within thirty days - paid {$120.00} on XX/XX/XXXX. 
I made two payments to make up the missed payment on XX/XX/XXXX. 
One payment for {$140.00}, and a second for {$120.00}. 
The {$140.00} was returned bank error on duplicate payments, the {$120.00} was within 30 days of the XX/XX/XXXX statement date and NOT LATE!!!! 
I made {$120.00} payment on XX/XX/XXXX for the XX/XX/XXXX payment. 
I made a {$240.00} payment on XX/XX/XXXX to bring the account fully current ( in their eyes ) and any delayed payments. 

in May they marked my credit report as 30 days late. AT NO TIME WAS THE ACCOUNT LATE. I submitted proof, asked for escalation with their phone operators. They never called to review - emails was they mode of escalation effort and no one answered or reviewed the proof I supplied. 

I have disputed through multiple credit servicers and the bank XXXX XXXX XXXX  has not responded to proof.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint due to repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by the Credit Reporting Agencies ( CRAs ) and furnishers reporting on my file. These entities are knowingly reporting inaccurate, incomplete, and unverifiable information that is damaging my creditworthiness and preventing me from obtaining financing.

Violations & Issues : Reinsertion of Deleted Items Without Proper Notice Items have been reinserted into my report without proper verification or written notice as required under 15 USC 1681i ( a ) ( 5 ) ( B ). This is unlawful and has caused repeated damage to my file.

Failure to Conduct a Reasonable Investigation Under 15 USC 1681i ( a ) ( b ) ( B ) ( iii ), CRAs must conduct a reasonable reinvestigation. Despite disputes, late payments and charge-offs came back verified without producing any documentation. These are inaccurate and invalid. 

No Proof of Original Creditor Agreement/ No Implied Consent For charge-off/collection accounts, the furnisher has not provided the original creditor agreement, first purchase history, or closing statement proving I agreed to the debt. Without this, there is no standing to report. No implied consent exists. 

Failure to Provide Negative Information Notice 15 USC 1681s-2 ( a ) ( 7 ) requires proper notice when negative information is furnished. No such notice was ever provided.

Inaccurate Late Payment Reporting Payments were misapplied or mishandled in violation of 15 USC 1666b and 1666i. Reporting these as delinquencies is misleading and unlawful.

Unlawful Inclusion of Excluded Information Under 15 USC 1681a ( 2 ), CRAs may not include transactions/experience data in a way that is misleading or damaging. This late payment data falls under that exclusion.

Unlawful Furnishing and Liability Continued reporting of unverified and inaccurate data violates 15 USC 1681s-2 ( b ) ( 2 ).

Liability for willful or negligent noncompliance applies under 15 USC 1681n & 1681o.

Collections/ Charge-Off Accounts The furnisher has not produced : Bill of Sale Forward Flow Agreement Purchase Agreement Loan Sale Agreement Without this documentation, the debt can not be verified, and the furnisher has no standing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
Dear Experian 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 : 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 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 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 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 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 FRAUDULENT INQUIRIES : 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AL

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 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 2025-10-02 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: OR

Complaint narrative:
I have disputed several times with Transunion on XXXX XXXX credit card ( XXXX XXXX XXXX XXXX XXXX ) that I have never made a late payment. I also have attached a letter to this dispute from XXXX XXXX that I have never made a late payment.

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 2025-10-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-10-01 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:
Dear Experian, I dispute the following tradelines as incomplete, inaccurate, and unverifiable. They violate the FCRA and Metro 2 standards. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Misreported ECOA ) Your file lists : Individual liability. 
XXXX  and XXXX  both report : Authorized User. 
This is materially misleading and increases utilization risk. 
Metro 2 Violation : Field 11 ( ECOA code ).

Demand : Correct ECOA to Authorized User or delete if not verifiable with ledger. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX 30-day late ) You report : 30 : 1 late in 7-year history.

Yet your two-year Payment-History grid shows all OK, Past Due {$0.00}, and status Closed/Current.

This is a phantom derogatory with no date or ledger evidence. 
Metro 2 Violation : Field K2 inconsistency.

Demand : Delete the late or the tradeline unless ledger proof of the alleged late month is produced.

Legal Basis : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ) Reg V 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 2025-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was looking into opening a home equity line of credit and contacted Bank of America as one of the potential loan providers. I authorized a soft check but they performed a hard check, which lowered my credit score.

I called the bank to request that they rescind the credit inquiry but they refused. I asked specifically if they would provide a letter of deletion and they claim that they do not provide those under any circumstances.

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 2025-10-01 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-01 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: U.S. BANCORP
State: GA

Complaint narrative:
Unauthorized Hard Inquiries Identity Theft I checked my credit report to find that there were XXXX hard inquiries that do not belong to me. They were not initiated by me and should not be on my credit report. 

Here is the dispute I sent to XXXX  : To Whom it May concern. 

I am writing to formally dispute and demand the removal of unauthorized hard inquiries that have appeared on my XXXX  credit report. These inquiries were not authorized by me and are a direct result of identity theft.

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681g ( e ) ), I am enclosing the following documentation as evidence : 1. A copy of my FTC Identity Theft Report ( filed at identitytheft.gov ).

2. A copy of my government-issued ID.

3. Proof of my current address ( Bank Statement ) The following inquiries are fraudulent and must be removed immediately from my credit file : US BANCORP ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) As these inquiries were not initiated or approved by me, I demand their permanent removal within the 30-day period required by law. Please provide me with written confirmation of your findings and an updated credit report reflecting the deletions. 

If these inquiries are not removed, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue my right to seek legal remedies. 

Thank you for your prompt attention to 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Requested Validation of Debt in XX/XX/2025 via Certified Mail. No Response. Debt Collector continued to report debt to my credit files causing denial of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 contest the inclusion of accounts lacking my authorization. Kindly undertake a detailed audit and remove these items. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
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 : 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 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 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation