vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Listed below are the Accounts that are being challenged SXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXXXXXX 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Section 1 What happened? 
Applied for a XXXX XXXX through Wells Fargo ; the original card never arrived and was apparently stolen before delivery. 
Stolen card was used for multiple unauthorized payments, including phone bill payments. 
Reported the fraud immediately, requested card block, and reversal of charges. 
Wells Fargo repeatedly concluded no fraud found, despite my repeated explanations. 
Some investigation reports referenced incorrect credit card numbers. 
Wells Fargo issued new cards unnecessarily, increasing risk of theft and causing stress. 
Repeatedly transferred between different departments; had to explain the entire situation each time. 
I have phone call records confirming my reports and requests for investigation and card reissue ; these should exist in Wells Fargos system.

This caused significant emotional distress, worry, and time loss over several months.

Requested resolution : 1. Immediate reversal of all unauthorized charges.

2. Written confirmation that I am not liable. 
XXXX. Correction of any negative credit reporting. 
4. Compensation or acknowledgment of time, stress, and repeated inconvenience.

5. Measures to prevent unnecessary card issuance and reduce theft risk.

Section 2 Company Wells Fargo Bank , N.A . 
Product : Credit card or prepaid card Sub-product : Credit card Card brand : XXXX XXXX XXXX XXXX Fair resolution Reverse all disputed charges. 
Provide written confirmation of no liability. 
Correct negative credit reporting. 
Compensate or acknowledge stress and time loss. 
Implement procedures to prevent unnecessary card issuance. 



Section XXXX Attachments ( optional ) Emails or notices regarding card issuance/reissue Fraud investigation reports ( No fraud found or wrong card numbers ) USPS/XXXX  XXXX  for original card Logs of phone calls or emails ( dates, times, names, topics ) Notes of departmental transfers/ repeated explanations

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this third follow-up regarding an inaccurate and unverifiable account that continues to appear on my credit report. Despite my previous disputes, the following entry remains on my file, continuing to misrepresent my financial history and harm my creditworthiness. I am formally demanding the permanent removal of this account. 
Late Closed Account XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX This account is reported as Late Closed without verifiable documentation supporting delinquency or closure. Its continued reporting is inaccurate, misleading, and damaging to my credit reputation. Reporting unverified accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. Because this account can not be verified, it must be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting unverifiable items is unlawful and exposes your bureau to liability under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2.I am following up regarding an unauthorized credit inquiry that continues to appear on my credit report despite prior disputes. This inquiry was conducted without my consent, authorization, or permissible purpose, and it is negatively affecting my credit profile. I am formally demanding the permanent removal of the following inquiry : Unauthorized Credit Inquiry XXXX XXXXXX/XX/year> This inquiry was performed without my permission, in violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 605B / 15 U.S.C. 1681c-2. Its presence on my credit report is unauthorized, misleading, and harmful to my creditworthiness. Because it was conducted without consent, it must be permanently removed. 
Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and authorized. Unauthorized inquiries violate federal law and must be immediately and permanently removed to ensure compliance with 15 U.S.C. 1681b, 1681c-2.

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 2025-10-24 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:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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 2025-10-24 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I was at risk of not being able to afford the mortgage payment back in XX/XX/year>, I wanted to avoid getting a XXXX  day late on my credit so I requested assistance from New American Funding. I entered into a special trial payment agreement due to a financial hardship. I made payments as promised during this period and the company reported me as late every month for 5 months despite my on-time payments being made. When initially asked about this, I was told after the trial it would be corrected. Fast forward to the end and now the company refuses to correct it stating that the reporting was accurate when we both know that it wasnt. They claim generalized terms as their way of validating this, when nothing that I signed in the trial documents stated that this would happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
I am following up regarding multiple inaccurate, unverifiable, and unauthorized items that remain on my credit report despite my prior disputes. These entries are not accurate, not verifiable, and continue to misrepresent my financial history, causing harm to my creditworthiness. I am formally demanding the permanent removal of all items listed below. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * These accounts are reported as charged off without verifiable documentation or evidence of a valid debt. Reporting unverified information is a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and 605B / 15 U.S.C. 1681c-2. Because these accounts can not be verified as accurate, they are misleading, damaging, and must be permanently removed from my credit report. 
Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my consent or authorization, in direct violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Their presence is unauthorized, misleading, and damaging, and they must be permanently removed from my credit report. 
The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting unverifiable or unauthorized items is unlawful and exposes your bureau to liability under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I applied to my bank, TD bank for a credit card. I had one previously at a {$10000.00} limit, which they lowered to {$500.00} without notice and no reason. 
So I was told I can reapply and I did. I was then told I was being declined due to an unpaid balance of around {$70.00}. It was for a XXXX Account that had been closed and no payment due. I sent proof of this to TD several times. The last time was from their branch in XXXX DE as they requested for some odd reason. This unpaid balance is false and adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN EXPRESS s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN EXPRESS has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ Data International Inc. placed a collection account on my credit report for {$350.00} ( opened XX/XX/year> ) without ever contacting me by mail, email, or phone beforehand. I only became aware of this collection when I checked my credit report. 

I have never received a validation notice, letter, or email from IQ Data International Inc. regarding this alleged debt, which is required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

They reported the debt to the credit bureaus before providing any notice or opportunity for me to verify or dispute the debt. Because I was not notified, I have not been able to confirm whether this debt is valid or even mine. 

They do not have an email to reach out, and I refuse to have a phone call because I can not record the conversation. 

I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am extremely disappointed and frustrated to find out that my credit report contains numerous errors. As per the Fair Credit Reporting Act, I have the right to dispute any information that I believe to be incorrect. It is imperative that you ensure the data included in my report is thoroughly documented and validated before it is shared with anyone else. It's quite alarming to think that there may have been individuals who failed to carry out their job responsibilities, leading to the dissemination of inaccurate information.

I strongly challenge the reportability of the allegations within my credit report, as they are simply not true! It's unacceptable that my credit report is riddled with errors, and I can not accept or acknowledge the allegations and claims within the report as true without further evidence that meets both federal and state requirements for reporting. 

CREDIT COLL XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and TransUnion  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Since PNC bought my mortgage, there has been an if paid after date on all my statements with a late fee if paid after that date. The if paid after date has always been the XXXX of any given month. I always pay ON the XXXX each month. I have never paid after the XXXX, ever. For my XXXX 2025 statement, PNC tacked on late fees for which I have never been late. My payments are always made on the XXXX each month and sometimes earlier if the XXXX is a holiday or a Sunday. 
I am abiding by the information on PNC 's statements each month. I pay in branch each month so I get a receipt. 
I will be enclosing copies of XXXX and XXXX statements as well as my payment receipt. 
The statements will show the if paid after date. My receipt will show the date paid. 
PNC is charging me an overdue fee when I abided by the information on the statements. 
I will upload supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-10-24 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: MO

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with non-monetary relief