vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is the name of the collection agency i need removed FOR THE AMOUNT OF {$2300.00}!!!! According to FRCA section 605 B it is illegal to report information on my credit report without my permission I am not liable for this debt with Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications Also Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
XXXX XXXX XXXX is the name of the collection agency i need removed FOR THE AMOUNT OF {$2300.00}!!!! According to FRCA section 605 B it is illegal to report information on my credit report without my permission I am not liable for this debt with Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications Also Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2025, I authorized a purchase for automatic litter box from XXXX once the transaction hit my account, it said it was for XXXX XXXX I immediately called the bank and let them know that this was a fraudulent transaction, and I never authorized anything from XXXX XXXX and upon further review found that whisker pile.com was a fraudulent website that had scammed many other people they issued me a provisional credit and have now told me that because I used a digital wallet, i.e. my XXXX XXXX I was going to get that provisional credit removed and I would be charged for that fraudulent transaction. This goes against to consumer protection laws, knowing that it was fraudulent they are still making me responsible for the transaction.

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 monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My report shows late payment entries I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear. I request verification of these entries, and if they can't be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX HARD INQUIRIES DONT BELONG TO ME, THEYRE FRADULENT

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 2025-10-15 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: TX

Complaint narrative:
Equifax is reporting a XXXX collection  account that has been illegally re-aged. The Date of First Delinquency has been altered to appear recent ( XX/XX/year> ), which violates FCRA 623 ( a ) ( 5 ). No documentation or Method of Verification was provided to justify this re-aging. This account is being reported with manipulated dates to extend its reporting time beyond the legal 7-year limit.

I disputed this with Equifax and demanded verification or deletion. Equifax has failed to provide the original delinquency date, chain of title, or validation of assignment. This is a willful failure to investigate under FCRA 609 and 611, and a breach of accuracy obligations under 1681e ( b ).

SEE attached reports that reference the manipulation of dates Original delinquency date ( proving the account is old ) Updated new date pushed to XX/XX/year> ( proving re-aging )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX Company name : IQ DATA XXXX Representative name : XXXX Company phone number : XXXX XXXX I am submitting a complaint regarding a debt collection call I received from IQ Data XXXX. 

I was contacted about a debt I owe to my previous landlord. I explained to the representative that I have not been working for the last XXXX years and that I do not have the full amount, but I would like to set up a payment plan to resolve the debt.

Instead of working with me, the representative responded in a rude and disrespectful manner. She asked me who had been paying my rent in the past, and I explained that it was my fianc at the time, but we are no longer together. She then made an extremely inappropriate comment, saying I look like the type of person who can get money from a man. And to go ahead ask him for the money to pay my debt. This was offensive and unprofessional.

When I continued to request a payment plan, she raised her voice and told me I was a waste of time and said she would not transfer me to another representative. She also stated she would make a note so no one else at the company would help me set up a payment plan.

I felt humiliated and disrespected. Her behavior was aggressive, personal, and had nothing to do with resolving the debt. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abuse, and the use of offensive language during debt collection.

I am requesting that the Consumer Financial Protection Bureau investigate IQ Data XXXX  collection practices, hold this company accountable for the representatives unprofessional conduct, and ensure I can work with someone respectfully to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Evidence of Unresolved Dispute XXXX XXXX  Not Refunded To Whom It May Concern, I am filing this complaint to report that Capital One failed to resolve or credit my account after I provided valid proof of a canceled booking made through XXXX. 
The attached screenshot shows the original confirmed reservation for the property at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VT XXXX, XXXX, from XX/XX/XXXX XX/XX/XXXX, for XXXX guests, with a total charge of {$2100.00} ( USD ). The booking was made legitimately through XXXX and later canceled through the platform, but I never received the promised refund or resolution from either the merchant or Capital One. 
Capital One closed the dispute without properly investigating or considering this evidence, leaving the charge on my account even though no service was received. I am requesting the CFPBs assistance to ensure this matter is reviewed properly and the charge is reversed in accordance with consumer protection laws. 
Sincerely, XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I get my social security deposit every month. I was always in the negative all of the sudden. I disputed it. I'm like, if there's no funds don't send it through. I feel the company was making mistakes for years. Look up my account.

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 2025-10-15 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: SC

Complaint narrative:
i dispute the XXXXXXXX XXXX  account listed on all three bureaus. XXXX is reporting inaccurate balances and payment histories, violating FCRA 623 ( a ) ( 1 ) ( A ). I demand deletion unless XXXX produces signed contracts and proof of accuracy. Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable tradelines must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I do not acknowledge this debt as valid. I previously requested verification through the credit bureaus and asked for the original, signed purchase or service agreement from the original creditor as the only acceptable form of proof. 
The bureaus and/or the collection agency have failed to provide this documentation but continue to report the account. 
I am requesting that the CFPB review this matter and ensure that the credit reporting agencies and XXXX comply with the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by either providing the required documentation or deleting the account from all three credit reports immediately.

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 2025-10-15 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: UT

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
b'I am sending to formally dispute the accuracy and validity of several items currently listed on my credit report. I assert that the following accounts and address entries are inaccurate, outdated, unauthorized, or have been reported improperly. Pursuant to my rights under the Fair Credit Reporting Act (FCRA), I am requesting a full reinvestigation of these entries. Any information that cannot be verified must be corrected or deleted from my credit profile as required by law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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: GA

Complaint narrative:
b'I am sending to formally dispute the accuracy and validity of several items currently listed on my credit report. I assert that the following accounts and address entries are inaccurate, outdated, unauthorized, or have been reported improperly. Pursuant to my rights under the Fair Credit Reporting Act (FCRA), I am requesting a full reinvestigation of these entries. Any information that cannot be verified must be corrected or deleted from my credit profile as required by law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-15 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF COLLECTION ACCOUNT NOT MINE / FRAUDULENT Account Name : XXXX XXXX XXXX Account XXXX : XXXX ( or similar as reported ) Original Creditor : XXXX XXXX XXXX NOT PROCESS VIA E-OSCAR MANUAL FCRA INVESTIGATION REQUIRED To Whom It XXXX Concern, This letter serves as a formal dispute regarding the * * collection account reported by XXXX XXXXXXXX XXXX XXXX XXXX allegedly originating froXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

* * This account is not mine. * * I have * * never authorized, opened, or used * * any XXXX XXXX account that was assigned to XXXX XXXX. I have * * no records or billing history * *, nor have I ever been * * notified or contracted * * with this collection agency. 

I am a * * fraud victim with an active XXXX XXXX XXXX on file * *, and therefore * * any account reported without documentary proof of identity verification is presumed unauthorized. * * -- - # # # REQUIREMENTS UNDER FCRA & METRO 2 Under * * FCRA 611 ( a ) ( 1 ) ( A ) * * and * * 605B * *, you must provide : - A * * wet-ink signed contract or application * * from XXXX XXXX XXXX XXXX signature - * * Full chain of assignment * * showing legal transfer of debt to XXXXXXXX XXXX XXXX XXXX XXXX  Billing statements or payment history * * directly linking me beyond doubt If * * no such records exist * *, you are legally obligated to * * delete this entry permanently. * * -- - # # # NO AUTOMATED HANDLING MANUAL REVIEW REQUIRED XXXX * * This dispute is NOT to be processed using E-Oscar, XXXX coding, or any automated templates. I demand a full manual reinvestigation with documentary proof. * * -- - Failure to comply within * * 30 days * *, or continued reporting without proof, will constitute * * willful non-compliance under FCRA XXXX. * * Sincerely, /s/ _Dwayne Mathis King_ XXXX XXXX XXXX XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau is reporting my account XXXX XXXX XXXX XXXX XXXX XXXXs charged off. This account was included in my XXXX  XXXX bankruptcy, which was XXXX in XXXX, case # XXXX. The account is inaccurately reported and is negatively affecting my credit. 

I previously submitted a dispute online with the credit bureau and provided my bankruptcy information, but they refused to review the dispute again, stating that they will only process it if I submit new, different supporting documentation. I am requesting that the credit bureau update the account to reflect its correct status as included in bankruptcy or XXXX in bankruptcy in its entirety.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota financial, on XX/XX/year> was paid in the amount of XXXX. Also the amount of XXXX on XX/XX/year>. With the additional payment XXXX on XX/XX/year> for account XXXX. Within the months Toyota has been contacting XXXX with account XXXX for Toyota financial to collect payment of XXXX for collections due to a repossession on XXXXXXXX XXXX XXXX This have been in violation of my GLBA personal information should not be shared! As well as FCRA 15 U.S.C. 1681s-2 ( a ) being violated. So Im requesting a termination of account as well with repossession removal from all credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Request for Investigation and Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to dispute and request the deletion of inaccurate and fraudulent information on my TransUnion credit report. I am a victim of identity theft and did not authorize or open the following account ( XXXX ) : Fraudulent Collection XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$610.00} XXXX XXXX XXXX XXXX Fraudulent Accounts XXXX Last reported XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$750.00} XXXX XXXX XXXX  XXXX reported XX/XX/XXXX {$2000.00} These accounts do not belong to me. I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am enclosing the following documentation : Copy of my FTC Identity Theft Report/Affidavit Copy of my government-issued ID ( drivers license or state ID ) Proof of my current address ( utility bill or bank statement ) Copy of my credit report with the fraudulent items highlighted Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion XXXX and permanently remove all fraudulent items related to this identity theft from my credit file. 

Please confirm in writing when these items have been deleted and provide me with an updated copy of my corrected credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : [ XX/XX/XXXX ] Last XXXX of 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