vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
I am filing this complaint because there are accounts on my credit report that were reported without a permissible purpose under FCRA 604. I am requesting that the furnisher and the credit reporting agency provide proof of legal authority and a valid permissible purpose to obtain use or share my personal information. If they can not verify this then under FCRA 607b and 611 the accounts must be deleted for being inaccurate or unverifiable. I am requesting a full review and immediate action. 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am filing this complaint because Hunter Warfield is reporting an alleged apartment debt to XXXX under my former married name, even though I have never lived in the state where this debt originated and have no relationship with the creditor ( XXXX XXXX XXXX XXXX ). This is a case of mistaken identity due to a common name match. 

On XX/XX/year>, I submitted a formal written dispute and debt validation request directly to XXXX XXXX through their consumer portal and by email. They acknowledged receipt. 
To date, they have provided ZERO documentation. No lease, no ID used, no SSN match, no signature, no itemization. Nothing. 

Despite failing to validate, Hunter Warfield continued reporting and verified the account to XXXX through XXXX, which is a violation of : FDCPA 1692g ( b ) continuing collection and credit reporting without providing validation FCRA 623 ( b ) verifying information with a credit bureau without conducting a reasonable investigation FCRA 602 & 607 ( b ) failure to ensure maximum accuracy in consumer reporting Furthermore, the alleged debt is not being reported to XXXX, which indicates inconsistent and unreliable furnishing. A legitimate, validated debt would be reported to all CRAs, not selectively. This inconsistency demonstrates that the furnisher can not accurately verify the account. 

I am requesting immediate action from the CFPB : Require Hunter Warfield to provide full validation ( lease application, ID used, SSN/DOB match, signature, and all supporting documents ). 

If they can not validate, require immediate deletion of the account from XXXX  and any other bureaus. 

Investigate Hunter Warfields failure to cease reporting after a written validation request, and their improper verification through XXXX without providing documentation. 

This account does not belong to me, I have never lived in the state, and the furnisher has ignored federal law while damaging my credit report. 

I am seeking full removal of this inaccurately reported, unvalidated, misidentified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
Since XX/XX/year> Ive been trying to get XXXX removed from my credit reports. It is NOT MINE I DID NOT open it. I have filed multiple disputes with all 3 credit companies and only XXXX responded and removed it. Experian and Transunion fail to investigate this fraud. Ive provided a case number XXXX Ive provide screen shots over 3 years. 

Heres their investigation process : Hey does this guy owe you money? 

Yes. 

Okay. Case closed. 

Why did you close my case?? 

They said it was yours. 


Also XXXX LIED!!! They said they havent sold this debt.then why do I keep getting calls from other collectors??

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 2025-11-13 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am extremely frustrated because I still see inaccurate accounts showing up on my credit report, and they have not been removed at all. I am urgently asking that the documents I attached be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am writing to file a dispute regarding inaccuracies on my credit report that are affecting my ability to obtain fair credit terms. Below is the information for the accounts I am disputing : Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello, I had a simple loan, zero interest with same as cash balance if paid on time. I paid the loan off on time but they still say there is a {$30.00} free for a missed payment when I tried to make the first payment 1 year ago. I asked them to remove the fee because their recurring payment system was difficult to set up. I think it was deliberate to make this process difficult. I monitored for the payment to go through and when it did not, I paid immediately. They still charged a fee.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attempted to send a XXXX to my estate planner. 

XXXX was blocked XX/XX/XXXX Hours later I received a text " Do you recognize {$1600.00} XXXX from Wells Fargo account XXXX on XX/XX/XXXX to XXXX? Reply Y or N. STOP to stop fraud alert messages. '' To which I replied " Y '' I then received this text " There are multiple cases for this number. Please call XXXX for assistance. STOP to stop msgs '' On XX/XX/XXXX I phoned the above number. Was questioned about the same zelle transaction and informed there was no hold on the account. 

XX/XX/XXXX spoke once again with Wells Fargo and was informed there was no issues no hold on the account. 

XX/XX/XXXX I attempt to review my transactions and am denied online access to my account. Was disconnected numerous times after being told there was questionable XXXX transactions, the same {$1600.00} transaction. Wells Fargo proceeded to question me in detail who this merchant is, I replied an estate planner, they then asked what I was paying the her for, I found this to be invasive and clearly non of their business if I am purchasing an estate plan or anything else from this merchant. 

I asked to speak to a supervisor the call dropped upon calling back I was informed that they would not unlock online access and they are requiring me to go into a branch and speak with a branch manager in person. They further stated they had no branch manager available to speak with me. 

Wells Fargo repeatedly denies me access to my funds under the guise of flagged fruad. I am suffering both financial as well as a great deal of emotional stress and feel this is abuse of power and possibly XXXX abuse under the guise of " fraud protection ''. 
I am outraged that Wells Fargo after being told the business was Estate Planning, further questioned the nature of the. Business I was conducting.

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 2025-11-13 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: MD

Complaint narrative:
I am writing to request a correction to my personal information on my credit report, as it currently contains inaccuracies that are causing issues with my credit applications. These errors have become extremely frustrating, and its important that my report reflects only accurate and verified personal details to avoid further complications.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: ND

Complaint narrative:
I am filing this complaint because I have repeatedly disputed inaccurate information on my credit report with all three credit bureaus, and the information continues to be reported despite the furnishers failure to provide verifiable documentation. 

Specifically, XXXX XXXX XXXX is reporting an auto loan ( Account ending in XXXX ) as a charge-off in the amount of {$5600.00}, opened XX/XX/XXXX, and closed as of XX/XX/XXXX. I have requested multiple times that the credit bureaus verify the accuracy of this tradeline, including the existence of a signed loan agreement, a complete payment history, and a valid accounting of the alleged balance. None of these have been provided, and the bureaus continue to verify without evidence. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), a furnisher must conduct a reasonable investigation and must not continue to report information it can not substantiate. I have never received documentation showing a legitimate debt obligation, and the dates and balances reported are inconsistent with my own records. 

Similarly, Credit Collection Services ( for XXXX ) is reporting a collection account ( Account ending in XXXX ) opened XX/XX/XXXX, with a balance of {$230.00}. Despite multiple validation requests under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), no contract, billing statement, or assignment has been produced to prove that this debt is valid or collectible. 

The credit bureaus have failed to properly reinvestigate these items after numerous disputes, violating their duties under 1681i ( a ) to conduct a reasonable reinvestigation and to delete unverifiable information. The furnishers ( XXXX XXXX XXXX and Credit Collection Services ) have also violated their duties under 1681s-2 ( b ) by continuing to furnish data they can not verify. 

I am requesting that the CFPB require : 1. The credit bureaus ( XXXX XXXX XXXX ) to provide proof of verification sources and documentation relied upon in their previous verified responses ; 2. XXXX XXXX XXXX and Credit Collection Services to provide verifiable evidence of the debts including the original signed agreements, payment histories, charge-off calculations, and any sale or assignment documents ; 3. Immediate permanent deletion of the unverifiable tradelines from my credit reports under FCRA 1681i ( a ) ( 5 ) ( A ) for failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Dear Sir / Madam, I purchased my office furniture through XXXX XXXX XXXX and it was financed through XXXX XXXXXXXX XXXX XXXX  When I received the first batch of furniture, I found the following issues : 1.The business conference room table is used and some parts are broken and some parts are damaged 2.The TV stand is broken at the corner.

3.The bolts for the chairs less than the total number needed, 10 chairs need 20 bolts and there are only 13 available 4.Some holes for the chair handles are not punctured through and some holes are still blocked.

5.There is no installation instructions included in the box I notified Paypal Credit right away and also the merchant through XXXX. I filed a dispute with Paypal credit and told them that I am going to pay. I refused to receive any further shipment from the merchant. Paypal Credit first honored my request, but later on they reversed the course and keep asking me to pay. I found out that Synchrony bank report to credit bureau that damaged my credit score badly, from XXXX to XXXX. 

I do not think I owe them a XXXX. If the furniture is perfect, I will take them and use them since I waited for 2 months. Because the furniture are old/broken and I have to hire someone to throw them out.

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 2025-11-13 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-13 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-13 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: FL

Complaint narrative:
I am submitting this dispute statement regarding my credit report for the accounts listed below. The following accounts have discrepancies that need to be addressed according to the Fair Credit Reporting Act ( FCRA ). Please review the disputed accounts and make the necessary corrections to my credit report. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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