vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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 am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the XXXX XXXX  breach and it is hindering my ability to obtain credit.

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 2025-12-09 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 recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the XXXX XXXX  breach and it is hindering my ability to obtain credit.

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 2025-12-09 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Global Lending Services LLC
State: MS

Complaint narrative:
I have call all three credit bureaus an talk to the people in the fraud departmentan was told to come here for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I made payments in the amount of {$1000.00} and {$2000.00} dollar increments starting in 2023 and the payments were not applied properly to my principal amount to reduce the actual interest of the loan instead they segmented the payments as if they were paid in separate months and still applied the majority to interest versus applying the majority of the overpayment to my principal balance and still telling me I am now late with my car payment and reporting said late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 did not receive the XXXX mortgage statement and was unable to make payment by phone because the servicer only accepts wire transfers when calling in. I was also unable to pay online because their system would not link my mortgage to my account despite using the correct loan number. 

The first written statement related to XXXX arrived postmarked XX/XX/XXXX. On XX/XX/XXXX, I submitted a payment covering both XXXX and XXXX based on a combined billing statement. I later received the XXXX statement and paid that as well. 

When I contacted the servicer on XX/XX/XXXX to verify my status, I was told their system shows I am paid through XXXX, which does not logically align with when payments were due. This suggests possible misapplication or misallocation of funds. 

On XX/XX/year>, I received a default notice stating that I was in default while also showing a XXXX XXXX XXXX of {$0.00}. Shortly after, I observed that the servicer reported a XXXX delinquency to the credit bureaus, causing a XXXX XXXX drop of approximately XXXX points. 

I sent a Notice of Error under RESPA/Regulation X on XX/XX/XXXX using the email address provided on their notice. The servicer responded but refused to acknowledge the Notice of Error, stating they could not assist because the email was not on file. I then resent the Notice of Error from my verified email on XX/XX/XXXX, and again they responded without acknowledging receipt or investigating the error. They instead directed me to call, which does not satisfy Regulation X requirements for written acknowledgment. 

The servicer remains out of compliance with 12 C.F.R. 1024.35 ( d ), ( e ), ( g ), and ( i ), including failure to acknowledge the NOE within 5 business days, failure to suspend adverse credit reporting during dispute, and failure to investigate or correct the clear servicing errors. 

This is a XXXX-backed loan, and there has been no required delinquency assistance, outreach, or single point of contact. I have made multiple attempts to resolve this directly. I have also contacted Experian to dispute the inaccurate negative credit reporting. 

I am seeking CFPB assistance to correct the account, restore my credit, prevent any further wrongful default activity, and address the servicers failure to comply 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 2025-12-09 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: KY

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I purchased a dryer from XXXX and later realized that it was the wrong style, I tried to alert them that I needed to change the style, before it was delivered but they had already sent it out, when the delivery guys came I told them to take it back because it was the wrong item so they left with the dryer after seeing my wash machine was different from the dryer they were trying to deliver. They didn't have my style available in stock at that time, someone referred me to call XXXX XXXX to see if they had what I wanted and the did and I ordered my dryer and paid for it with my XXXX bank card and that was it. Somehow, the dryer from XXXX never made it back and I have been on the hook ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Charged-Off Accounts I Am Disputing I am disputing the accuracy of the following charged-off accounts being reported by Equifax. Some of these accounts show reporting inconsistencies compared to the other bureaus, and I am requesting a full investigation : XXXX XXXX Reported XX/XX/XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Balance {$310.00} XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Balance {$750.00} XXXX XXXX  XXXX Reported XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} I am requesting that Equifax validate the accuracy of each item and remove any account that can not be verified or is inaccurately reported. 

Inquiries I Am Disputing I am disputing the following inquiries as unauthorized XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These were not authorized by me and I am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-09 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, Paysafe disabled my business 's ability to process credit card payments without notice or explanation. At that time, I had four open invoices totaling approximately {$7000.00} which could no longer be paid. I received conflicting messages from Paysafeone stating that Risk had closed the account, and another claiming the account was closed at my request, which is false. 

On XXXX XXXX XXXX, a Risk department representative finally stated that the account was closed due to " processing inconsistent with expected activity, '' but refused to explain what that meant. The only trigger appears to have been a customer attempting to pay multiple times, which is not a commercially reasonable justification for terminating a merchant account. 

I was not given a chance to remedy or dispute the issue before being deplatformed, and the shutdown caused business disruption and loss of revenue. Paysafe has refused to offer further detail, remedy, or access to account data. I request full disclosure, possible reinstatement or remediation, and assurance no negative reporting was made. 

Resolution requested : Full explanation and documentation of the risk flag or processing concern Reinstatement or compensation for lost revenue ( {$7000.00} est. ) Confirmation of no adverse reporting to banks or processors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : 5-Day Removal Request for Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this written dispute under my rights established by the Fair Credit Reporting Act ( FCRA ) Sections 605B, 611, and 609 ( e ). I am a victim of unauthorized credit activity, and the following hard inquiries on my Experian credit file were not authorized by me : 1. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Because I did not authorize these inquiries, they constitute fraud and must be removed under : FCRA 605B Requires immediate blocking of fraudulent information FCRA 611 Items that can not be verified must be deleted within 30 days ( or sooner ) FCRA 609 ( e ) The furnisher must provide proof of authorization I hereby request that Experian provide permissible purpose documentation, including : A signed credit application Any electronic authorization attributed to me Date, time, and IP address of the authorization Any document showing that I permitted this inquiry If Experian or the furnisher can not provide these documents within 5 business days, you are required under federal law to permanently delete these hard inquiries from my credit report. 

Please send written confirmation once the inquiries have been removed.

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
XXXX XXXX is inaccurately reporting a debt that I do not legally owe. XXXX sold this account to Transworld Systems Inc. ( TSI ), as shown in the collection letter I received, which means XXXX no longer owns the debt and can not legally report a balance, past-due amount, or continue updating the account. 

Despite selling the debt, XXXX is still reporting a balance of {$1100.00}, a past-due amount, and ongoing updates on my credit report. This is misleading and unlawful. Once a debt is sold, the original creditor must report a {$0.00} balance and mark the account as sold/transferred. XXXX has failed to do this. 

This violates : FCRA 607 ( b ) failure to report maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) failure to correct and update information FDCPA 807 ( 2 ) ( A ) misrepresenting the legal status of a debt XXXX is attempting to collect a debt it does not own by continuing to report a balance after selling the account. This is a debt I do not owe to XXXX. I have already disputed this with Experian, and XXXX did not correct the reporting. 

I am requesting that XXXX permanently delete this account from all credit bureaus because they no longer own the debt and can not verify or report it accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

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

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I signed up for a new checking account with WellsFargo bank on XX/XX/XXXX for a bonus of {$400.00} to be applied after XXXX  days ( XX/XX/XXXX ) and {$1000.00} in direct deposits within that XXXX  days. I called several times to check on it and each time was told something different from each representative. XXXX  I was told I qualified met requirements but had wait additional XXXX  days for it to deposit. 

XX/XX/XXXX XXXX rep I called after XXXX  days was up said I met all the requirements and would get it within XXXX  days. 
XXXX rep said I qualified and would have wait XXXX  days. 
XXXX XXXX rep said I didn't qualify because I had to make {$3000.00} in direct deposits. 
XXXX XXXX said she couldnt send me a copy of the bonus offer that was linked to my account showing that required {$3000.00} not {$1000.00} in deposits. I disputed that and stated my offer was for {$1000.00} in direct deposit for {$400.00}. She submitted an inquiry to investigate. But said there was nothing they could do. 


They lied to me. My offer was for {$400.00} bonus for depositing {$1000.00} within XXXX  days which I met. XXXX of WellsFargo representatives told me I met the requirements. Why would XXXX reps lie to me then? It was a bait and switch and because I deleted my email I had no proof and they couldnt send me anything to show what they claimed either. Its frustrating!

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