vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian and the auto finance company reporting a charged-off car loan on my credit report. This account is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ) due to Experians and the furnishers failure to properly investigate and validate the debt. 

I originally disputed this item in XXXX XXXX. I provided my correct address and supporting information, and I clearly explained that the lender never repossessed or picked up the vehicle, even though they had my contact details and location. The vehicle was never collected, no follow-up was made, and no resolution occurred. 

Despite this, the charged-off account remains on my credit report. Under FCRA 1681i, Experian was required to complete a reasonable investigation within 30 days of receiving my dispute. It has now been more than 30 days, and I have received no documentation, no verification, and no resolutiona clear violation of federal law. 

In addition, under FCRA 1681s-2 ( b ), the data furnisher must conduct a reasonable and independent investigation. Simply confirming the account using their own records is not sufficient. No evidence has been provided to validate the debt, repossession, or any ongoing obligation on my part. 

This inaccurate reporting is having a serious and negative impact on my daily life, including my ability to secure housing, access credit, and maintain financial stability. I have taken every responsible step to resolve this matter, yet Experian continues to report an account that has not been validated or verified.

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 2025-05-15 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:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX I opened the account in XXXX. It went to collections with LVNV Funding in XXXX ( these are estimate dates because I can't get credit reports before this ) it had been charged off. It disappeared from my credit report for XX/XX/XXXX to XX/XX/XXXX. Then in XX/XX/XXXX it shows back up on my credit report as a brand new debt. Even shows I have been using the card and making payments. ( This is completely false ) It does this until XX/XX/XXXX then it starts showing I am missing payments until XX/XX/XXXX then it disappears again for XX/XX/XXXX and shows up back on my credit report saying I owe {$690.00}. 
It's not a new card as it all shows it's the same account number. 
In XXXX I made payment arrangements via XXXX and my debt was {$520.00}. 
I have been disputing this debt for awhile over the past year because I knew it should be off my credit report because I had the card the same time as another card that had fallen off. While researching it I found this issue. XXXX has refused to take it off my credit report after 2-3 disputes that they claim they investigated but obviously they did no such thing.I disputed this with XXXX and they sent the company the dispute but I didn't dispute it directly with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am submitting this complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX, and Equifax, concerning an unresolved and improperly handled credit reporting dispute. 

I initially submitted a written dispute to Equifax regarding an inaccurate account in XX/XX/year>. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to complete its investigation within 30 days. This deadline has long passed, and Equifax has failed to notify me of any legitimate reason for the delay or provide documentation supporting the continued reporting of the account. 

When I escalated the matter by submitting a complaint through the Consumer Financial Protection Bureau ( CFPB ), Equifax and the furnisher validated the account by relying solely on the furnishers internal records without conducting a reasonable or independent investigation, as required under FCRA 1681s-2 ( b ). This practice not only violates federal law but demonstrates a lack of good faith in resolving consumer disputes. 

This failure is not only a legal violation it is actively causing hardship in my life. Due to this unresolved and inaccurately reported account, I have been denied access to fair credit opportunities, experienced financial strain, and suffered emotional distress. This inaccurate reporting is affecting my ability to secure essential services and support my family. 

Furthermore, Equifax is already under scrutiny for its history of mishandling consumer data and failing to meet its obligations under the FCRA. Given their record and the current mishandling of my dispute, I am deeply concerned about the integrity of this process. 

I demand that this account be immediately deleted from my credit report. It is unjust and unlawful for Equifax and the furnisher to continue reporting unverifiable information following a flawed and legally insufficient investigation. 

Please treat this as a formal request for immediate corrective action and a written response acknowledging the removal of the disputed account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-15 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: GA

Complaint narrative:
Dear Representative, I am writing to formally contest the inaccuracies and breaches identified in my credit report, and to request corrective measures and compensation for the violations of the Fair Credit Reporting Act ( FCRA ). Here I precent a comprehensive overview of the identified issues, accompannied by my formal request for resolution. 

Discrepencies in Documented Statements XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) There is an error in the payment history : Late payment entry has been incorrectly documented. 

Violation Amount : { {$1000.00} } ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Legal Violations XXXX XXXX XXXX : Failure to remove disputed late payment entry, violating FCRA provisions. 

Compensation request : I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : { XXXX } Total violations : 1 Total compensation requested : { 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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I dont live there anymore and they refuse to update my address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau I, XXXX XXXX XXXX XXXX XXXX am filing a formal dispute regarding a series of unauthorized hard inquiries that appear on my credit report. These inquiries were not initiated, approved, or consented to by me, and I did not provide written authorization for any credit applications with the listed entities.

According to 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report with the explicit consent of the consumer, or in connection with a credit transaction initiated by the consumer. None of these inquiries meet that legal standard. 

List of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose and proper authority.

15 U.S.C. 1681b ( c ) : Requires that inquiries be made only with prior written authorization or in relation to a transaction initiated by the consumer. 

These inquiries are a clear violation of my rights under the FCRA. I am not requesting validation. I am demanding the immediate deletion of each inquiry that can not be proven to have been authorized by me in writing. 

Requested Action : Conduct a full investigation into each inquiry listed above. 

Require each creditor to provide documented proof that I granted explicit written consent. 

If no such documentation exists, delete the inquiry from my credit report with all applicable agencies. 

Instruct the credit bureaus to update my file and send corrected versions to any party who may have accessed the erroneous information.

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address I respectfully request that the CFPB enforce my rights under the FCRA and act to ensure these unauthorized inquiries are permanently removed. 

Sincerely, 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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: PA

Complaint narrative:
I was told I was dealing with XXXX and they needed to credit my account, but the only way to do that was to deposit cash at several machines, which I did today at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  at multiple locations XXXX Machines used for deposit was a XXXX ( Coinme ) for {$5000.00}, XXXX XXXX for {$1900.00} and XXXX for {$1200.00}. They contacted me via the phone and also sent me text messages. My son advised me of this being a scam and XXXX has no record of reaching out to me, confirming the fraud. I do not have a bitcoin account. I also filed a police report at XXXX XXXX Police Department. I receipts for each deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a certified dispute letter to Bull City Financial Solutions, requesting full validation of a debt they were reporting to the credit bureaus. USPS confirmed delivery on XX/XX/XXXX ( Tracking # XXXX ). Bull City failed to properly respond as required under the Fair Debt Collection Practices Act ( FDCPA 809 ) and continued to report the account to XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ).

Instead of validating the debt, they issued a generic fraud packet that was not requested and falsely framed my dispute as an identity theft issue. I did not claim identity theft my dispute was a formal request for validation and deletion of inaccurate credit reporting. 
I followed up multiple times, filed complaints with the Florida and North Carolina Attorneys General, and sent a final legal demand letter via USPS ( Tracking # XXXX ), delivered XX/XX/XXXX. Bull City has still not deleted the tradeline or provided proper documentation. 
Their continued reporting of this unverified debt has harmed my credit and caused unnecessary legal and emotional distress. They are in violation of FDCPA 807 and 809 and FCRA 1681s-2 ( b ). I am requesting immediate deletion of the tradeline and regulatory enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Product : Credit card Issue : Payment not credited properly or delayed Company : Wells Fargo Bank , N.A . 
Complaint Description : -- - On XX/XX/, I sent a wire transfer of {$10000.00} to my Wells Fargo business credit card to pay off the entire balance in full. The funds were received and show as resubmitted, but Wells Fargo has not applied the payment to my account, and the app still shows the balance unpaid. 

When I called customer service, I was shocked to be told that it could take up to 17 days for the payment to be fully processed and releasedeven though this was a wire transfer, not an ACH or paper check. 

Wire payments are instant or next-day at most. There is no justifiable reason for a 17-day hold on funds that came directly from my bank after the sale of my home. This delay is putting my business credit at risk, potentially accruing interest, and shows a serious failure in Wells Fargos handling of customer payments.

Im requesting : Immediate application of the wired funds Written confirmation that no interest or late fees will be charged Assurance that no negative credit reporting will result from their delay I am fully prepared to escalate this further if necessary. I upheld my end and paid my account in full. Wells Fargo is now causing harm through their delay.

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 2025-05-15 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: GA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute the late payment notations associated with the Department of EducationXXXX accounts on my credit report. These accounts are currently listed as Open. Deferred, payments begin XX/XX/XXXX, yet they have been marked as Potentially Negative, which is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

According to the Higher Education Act and FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], a data furnisher must not report information that is inaccurate or misleading. Reporting late payments on accounts that are in deferment status until XX/XX/XXXX is not only misleading but also a violation of federal law. 

Here are the disputed accounts : - Opened XX/XX/XXXX Balance : {$5400.00} and {$7900.00} - Opened XX/XX/XXXX Balance : {$1000.00} and {$1400.00} - Opened XX/XX/XXXX Balance : {$3700.00} and {$6700.00} - Opened XX/XX/XXXX Balance : {$3200.00} These student loan accounts are currently in a federally approved deferment period. Therefore, no negative or delinquent status should be reported during this time. I am requesting that you immediately remove any negative notations related to late payments from these accounts, as they do not accurately reflect my payment obligations.

Please conduct a reinvestigation under FCRA Section 611 [ 15 U.S.C. 1681i ] and provide me with a written response within 30 days, as required by law. Failure to correct these inaccuracies may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission.

Please remove this negative item.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief