vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: WI

Complaint narrative:
Under 15 U.S.C. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence CREDIT COLLECTION SERV Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I filed disputes with Experian regarding negative accounts that I do not recognize and that contain factual inaccuracies. I made it clear that if Experian could not verify the accuracy of these accounts, they must be removed as required under the FCRA. However, despite my disputes, Experian continues to report these unverified and inaccurate accounts on my 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Sun, XX/XX/XXXX at XXXX XXXX, my debit card ending in XXXX was used unauthorized by me from a merchant listed as XXXX XXXX XXXX in the amount of {$55.00}. I reached out to uber about the charge first and they was unable to locate the charge. So I disputed the charge. Chime denies my dispute and tells me that they didnt find any banking errors. I did not make or authorize anyone for this charge. The fact that chime didnt look further into it and require XXXX to present proof of the transaction, it would show that it wasnt my account for the charge. On Sunday, XX/XX/XXXX at XXXXXXXX XXXX, my debit card ending in XXXX was used without my authorization from a merchant listed as XXXXXXXX XXXX XXXX The charge was for {$55.00}. I first contacted XXXX about the charge, but they were unable to locate it and decided to lock me out my account. Therefore, I disputed the charge. Chime denied my dispute, stating that they didnt find any banking errors. However, I did not authorize anyone to make this charge. The fact that Chime didnt investigate further and require XXXX to provide proof of the transaction suggests that it wasnt my account or they lacked to discover the truth overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
On or about XX/XX/year> I disputed inaccurate and fraudulent accounts with Equifax. I included proof of identity : a copy of my drivers license, a recent utility bill, a bank statement, an FTC Identity Theft Affidavit, and a police report. 

Instead of conducting the reinvestigation required under FCRA XXXX, Equifax sent me a generic letter refusing to process my dispute, claiming my ID was insufficient. This is false, as the documents I submitted clearly established my identity and supported my identity theft claim. 

By refusing to investigate, Equifax failed to meet its legal obligation to reinvestigate disputed accounts and delete unverifiable or fraudulent information. These accounts are part of an identity theft case, and Equifaxs refusal is preventing me from correcting my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I disputed several negative accounts with TransUnion that I do not recognize and that contain factual reporting errors. I requested that if these accounts could not be verified, they should be removed as mandated under the FCRA. TransUnion has continued to report these disputed accounts, even though they remain unverified and 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 non-monetary relief
Consumer complaint received 2025-09-06 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is violating my rights and they have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I have made several attempts to fix this issue with them and they are violating my rights. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account 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 2025-09-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MOHELA
State: MA

Complaint narrative:
I have loans with Mohela. These loans are broken up into multiple small loans. I had tried multiple times to set up auto pay to my accounts. I called mohela multiple times and was even told it was set up appropriately. I had a perfect credit score. When I went to have my credit report ran it was brought to my attention Mohela reported I was XXXX days late on my account. All of my other accounts have been 100 % in good standing. Because they reported this and due to the multiple small amounts this completely destroyed my credit score all over a total of XXXX dollars. The accounts are now in good standing once this was brought to my attention. I have reached out to Mohela and experian to have this rectified and they will not correct it. I think this is completely inappropriate and does not accurately reflect my credit history over the years. It needs to be rectified. Mohela needs to take responsibility for their lack of customer service and competent employees.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 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: AZ

Complaint narrative:
b'To Whom It May ConcernXXXXI am writing to formally dispute and demand the immediate removal of theXXXXfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rightsXXXXunder the Fair Credit Reporting Act (FCRA) to have these items promptly removedXXXXI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to theXXXXidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach ofXXXXmy personal information through the Equifax data breach, which has exposed myXXXXsensitive data to unauthorized individuals.XXXXThe following fraudulent accounts and inquiries have been identified as a result of this\nbreach XXXXCollections/closed accountsXXXX 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Subject : Complaint Regarding Fraudulent Transfers of {$4200.00} and Lack of Resolution by Wells Fargo To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Bank regarding XXXX fraudulent transfers of {$2100.00} USD each that occurred on my account. 

On XX/XX/XXXX and XXXX, XXXX, I was deceived into making XXXX transfers of {$2100.00} each to an individual/company that turned out to be part of a fraudulent scheme. Immediately after realizing the fraud, I contacted Wells Fargo to request assistance and asked for the transfers to be reversed or for my funds to be recovered. However, despite reporting the incident immediately and providing supporting evidence, Wells Fargo representatives informed me that they could not do anything and closed my case without providing any solution. 

I believe this response demonstrates negligence and lack of due diligence in the banks obligation to protect its customers against fraudulent activities. As a financial institution under federal regulation, Wells Fargo has the responsibility to thoroughly investigate fraud claims and provide remedies to affected consumers. 

Case details : Amount : {$4200.00} USD Date of transactions : XX/XX/XXXX and XXXX, XXXX  Type of transactions : Wire transfers. 
Bank : Wells Fargo Reference or case number : XXXX I request the following : XXXX. A full and impartial investigation into the fraudulent transfers. 
XXXX. Reimbursement of the {$4200.00} withdrawn from my account ( including the {$25.00} fee for each transaction ). 
XXXX. A written explanation as to why Wells Fargo initially refused to provide assistance. 

I am attaching copies of the relevant documents, including : Bank statement showing each transfer of {$2100.00}. 
Communications with Wells Fargo representatives regarding the incident. 
Any additional evidence supporting the fraud ( messages, emails, receipts of the alleged insurance, etc. ). 

I respectfully request that your office require Wells Fargo to address this matter immediately and in compliance with consumer protection standards. 

Thank you for your time and attention.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter serves as formal notice that my file contains information that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information. If the information can not be verified within 30 days, you must promptly delete it from my credit file. 

I am not obligated to identify each disputed item ; the FCRA requires you to investigate any and all disputed information I bring to your attention. Please consider this letter as a dispute of all accounts, inquiries, or other entries in my file that can not be independently verified. 

In accordance with your obligations under the FCRA : 1. Conduct a thorough reinvestigation of my credit file.

2. Remove any and all information that can not be verified within the statutory timeframe.

3. Provide me with written confirmation of the results of your reinvestigation and an updated copy of my credit report.

For verification of my identity, I have enclosed copies of my government-issued identification, Social Security card , and proof of current address.

Please note that failure to comply with your obligations under the FCRA may constitute a violation of federal law, and I reserve the right to pursue further remedies as allowed under 15 U.S.C. 1681n and 1681o. 

I expect full compliance within the timeframes required by law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2025-09-06 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: MD

Complaint narrative:
I have contacted Experian credit bureau no less than 3 times since XX/XX/year> in regards to the negative itms appearing on my credit report. I first contacted Experian on XX/XX/year>, secondly on XX/XX/year> and lastly on XX/XX/year>. The first XXXX responses I received from Experian were that the negative items on my report were " updated and verified '' with no valid proof of any investigation ever provided. In my third dispute to Experian dated XX/XX/year>, I invoked my rights under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which was a formal Request for Description of Procedure.Experian did not provide the procedure. Experian 's response to me was sending a generic response claiming my dispute was " frivolous '' and requesting more information, which is a clear attempt to avoid their legal obligations.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Debt Validation Request Alleged XXXX, XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
You are hereby notified : 1. I do not acknowledge or accept this alleged debt as mine.

2. You must provide strict proof that LVNV Funding LLC has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature.

- A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. 
- Documentation showing when and how LVNV Funding LLC acquired this debt, and proof of assignment or transfer from the original creditor. 
- Evidence that this debt is within the statute of limitations for collection under state law. 
XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. 
Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. 
- I will use your failure to provide proper validation as part of my defense in court. 
- This letter serves as official notice that I will require all communications in writing only. 
You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. 
I expect a full written response within 30 days of receipt of this letter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Capital One Account # To Whom It May Concern, I am formally disputing the accuracy and completeness of the information reported on my credit file regarding the Capital One account ( Account # XXXX XXXX XXXX XXXX XXXX ), showing a reported balance of {$620.00}. 
This reporting contains multiple inaccuracies and fails to comply with the standards required by the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. Specifically : - The reported balance, status, and dates are inconsistent and unverifiable. 
- The account is being reported in a manner that does not meet the maximum possible accuracy standard of FCRA 607 ( b ).

- The tradeline fails Metro 2 compliance in its reporting fields, including status and payment history accuracy.

Therefore, pursuant to FCRA 611, I am demanding the method of verification for this account. If you can not provide complete, verifiable, and accurate documentation from the original creditor within the statutory period, you are required to DELETE this account from my credit report immediately. 
Failure to comply will result in escalation with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to legal action to enforce my rights under federal law. 
I expect a full reinvestigation and written confirmation of the results within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name on my report that is not mine and was not authorized

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