vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding a case of financial fraud and unauthorized access to my Wells Fargo accounts that occurred between XX/XX/XXXX and XX/XX/year>. 

On XX/XX/year>, at approximately XXXXXXXX XXXX I received a phone call showing Wells Fargo on my caller ID. The callers identified themselves as members of the Wells Fargo fraud department and informed me that there had been suspicious activity on my account. Believing them to be legitimate, I complied with their instructions to verify my account information. During the call, I provided my debit card information only ; I did not share any credit card information. 

Approximately an hour later, I received a second call, again showing Wells Fargo on the caller ID. This representative advised that the prior call was not legitimate and connected me to the actual Wells Fargo fraud department. Wells Fargo confirmed that my card information had been compromised but stated that my account itself had not been accessed. They proceeded to order replacement debit cards. 

On the morning of XX/XX/year>, I discovered that my accounts had been frozen. I contacted Wells Fargo and was advised to visit a local branch. At the branch, I learned that multiple unauthorized transactions had occurred. The scammers had added my card information to an XXXX XXXX, which was then used to fund XXXX XXXX accounts and conduct cash advance transactions linked to both my checking and credit card accounts. 

These transactions were unauthorized and resulted in a total loss of approximately {$12000.00}. The activity involved cash advances and XXXX XXXX transfers that I neither initiated nor approved. 

Wells Fargo closed my accounts, issued new account numbers, and sent new cards. I filed a formal fraud claim through Wells Fargo, but they denied the claim, incorrectly stating that I had authorized the transactions. This is not true. I did not add my cards to XXXX XXXX, authorize any XXXX XXXX transactions, or approve any cash advances. These were the result of unauthorized digital wallet use by scammers who gained access to my financial information under false pretenses. 

On XX/XX/year>, I filed an official police report with the XXXX XXXX XXXX XXXX ( Report # XXXX ) documenting the fraud. 

I am requesting that the Consumer Financial Protection Bureau and Attorney XXXX XXXX review this case and hold Wells Fargo accountable for : Failing to protect my accounts from unauthorized XXXX XXXX and XXXX XXXX transactions, Wrongfully denying my fraud claim despite documented evidence of third-party access, and Failing to conduct a full investigation or reimburse my losses.

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 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to formally dispute a debt that your company, United Revenue Corporation, has attempted to collect and that allegedly relates to XXXX XXXX. The account in question includes personal medical information belonging to another individual, which I did not authorize or receive. The statement you sent contains protected health information ( XXXX ) that is not mine, and therefore constitutes a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), 45 C.F.R. 164.502 ( a ), which prohibits unauthorized disclosure of XXXX. 

Additionally, the personal information on the correspondence you sentincluding the incorrect name and addressdoes not match my identity. This further supports that the debt in question does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Since the medical records you sent include XXXX belonging to someone else, you have already violated XXXX by disclosing another persons health information to me. You are required under XXXX and XXXX XXXX for Civil Rights ( OCR ) guidelines to report and mitigate any improper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am filing a complaint regarding inaccurate information that continues to be reported on my credit report. Despite multiple disputes, the reporting remains unverified and in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i and 1681e ( b ), the credit bureau is required to ensure maximum possible accuracy and reinvestigate disputed information. Please take immediate action to remove or correct this inaccurate reporting to maintain compliance with federal law.

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 2025-11-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/year>XXXX  The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-06 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: MO

Complaint narrative:
I am disputing the accuracy of the following charged-off account, as it is incomplete, inaccurate, or unverifiable according to FCRA guidelines . I request that you verify the information with the original creditor and provide appropriate documentation supporting its accuracy. If the account can not be verified, I request that it be removed in compliance with FCRA 607 ( b ). 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5100.00}

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing a XXXX credit card debt that Midland Credit Management is attempting to collect and report without proper validation. 

On XX/XX/year>, I mailed a Debt Validation Request to Midlands XXXX, MI office, followed by a Final Notice and Cease Collection Letter on XX/XX/year>. Both letters were delivered and signed for. 

Midland later mailed a packet containing a XXXX sale letter and a balance summary, but they did not include a signed credit agreement, billing statements, or any document proving that I am legally responsible for this account. 

Despite failing to validate the debt, Midland continues to report the account on my XXXX  credit report as if it were verified. 

I am asking the Consumer Financial Protection Bureau to review this matter and require Midland Credit Management to cease collection and delete or correct the inaccurate reporting until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
Inquiry Date : XX/XX/year> I am disputing this inquiry because I have not provided any consent or authorization for such an inquiry to be made on my credit report. I kindly request that you conduct a thorough investigation into this matter and provide evidence of my authorization if applicable. If this inquiry can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ). 

Late Payment : XXXX XXXX XXXX Account Number : XXXX I am requesting a thorough review of the reported late payment on this account, as the reported information does not align with my actual payment history. I respectfully request that this late payment be investigated and, if found inaccurate or unverifiable, removed from my credit report. I am requesting the removal of this entry under the provisions of FCRA 607 ( b ) and FCRA 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EQUIFAX complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an account from Caine & Weiner that is being reported on my credit report. The details are as follows : CAINE WEINER Account # XXXXXXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/year>XXXX  I have no knowledge of this account and have never had any business or financial relationship with Caine & Weiner. This appears to be an inaccurate or fraudulent entry. I request that the CFPB investigate this matter and ensure the furnisher provides full validation and proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Please look over this entryits past due and may be erroneous.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I sent Jefferson Capital Systems a debt validation letter requesting verification of the alleged debt, including the original creditor, the amount owed, and documentation showing that I agreed to the debt. 

XXXX responded only with a statement and a letter marking the account as disputed, which does not constitute proper verification under the FDCPA 809 ( b ). 

After this, I submitted disputes to XXXX XXXX XXXX XXXX, but the bureaus reported the account as verified, even though XXXX did not provide proper documentation. 

Additionally, there is a discrepancy in the reporting dates : XXXX statement shows the debt was from XXXX, but my credit reports show the account opened on XX/XX/year>, which is incorrect. 

I am requesting that XXXX XXXX provide full verification of the debt or delete the account from my credit reports until proper verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: WI

Complaint narrative:
I have two claims from XXXX XX/XX/XXXXthat were coded incorrectly. It is lab work tied to my last XXXX annual physical examinations that my physician made a mistake in coding incorrectly. I have the correct code and have been trying for a year and a half to get the proper code on the claims and resubmitted to my insurance co. These charges are covered XX/XX/XXXX Despite monthly phone calls and emails, I have made no progress. Now XXXX has a debt collection agency involved. 

The claims are dated XX/XX/XXXX and XX/XX/XXXX. Both are for {$120.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-06 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:
I am submitting this complaint because Equifax continues to report inaccurate and unverifiable information related to my XXXX XXXX account ( Account # ending in XXXX ). 

I have already submitted two written disputes directly to Equifax under the Fair Credit Reporting Act ( FCRA ), but I have not received any investigation results or updates within the 30-day period required by law. This means Equifax has failed to conduct a proper reinvestigation under 15 U.S.C. 1681i.

Both Experian and TransUnion correctly report this account as current and paid as agreed. Only Equifax is reporting two 30-day late payments that never occurred, which violates the FCRAs accuracy requirements under 15 U.S.C. 1681e ( b ).

Since Equifax failed to verify the accuracy of this information and did not provide a response within the legally required timeframe, this account should be considered unverified. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted in its entirety from the consumers credit file.

I am requesting that the CFPB require Equifax to immediately delete this entire XXXX XXXX account from my credit report for failure to verify and for noncompliance with federal law. 

Attached are screenshots showing the accurate reports from XXXX  and XXXX, my two dispute letters sent to Equifax, and the current Equifax report showing the false late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief