vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my reports. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXXmount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OK

Complaint narrative:
I am submitting this complaint to formally document the ongoing dispute regarding my XXXX personal installment loan account # XXXX. Despite providing extensive evidence, including XXXX own letters and documentation, XXXX has : Repeatedly refused to provide any new verification of the account or interest calculations. 

Marked my prior CFPB complaints as duplicates to avoid responding substantively. 

Reported additional post-default interest and a delinquent status to TransUnion on XX/XX/XXXX, after I had already disputed this account. 

Repeatedly stated in correspondence that the account can not legally be removed while refusing to substantiate their claims or correct unverifiable reporting. 

Included an impossible validation date of XXXX, two years before the loan originated, further confirming inaccurate reporting. 

I have escalated this matter to the Oklahoma Attorney Generals office, which is now reviewing my complaint. XXXX ongoing refusal to correct or delete unverifiable and inaccurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand that all credit reporting agencies immediately delete this account, as XXXX has failed to provide any verifiable evidence supporting their reporting, including interest calculations or validation of the account. Their may clause is discretionary and can not legally justify continued reporting of unverifiable information. Failure to comply constitutes a continued violation of the FCRA ( 611, 623 ) and FDCPA, and may result in further legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Complaint Against Wells Fargo Bank XXXX XXXX  .

I am filing a complaint regarding missing refund credits on my Wells Fargo checking account. 
On XXXX XXXX, XXXX refunds were issued to my account ( documented by merchant emails ), but Wells Fargo failed to post them. This constitutes an error under the Electronic Fund Transfer Act ( Regulation E ).

I have contacted the bank, but past assurances were inaccurate and unresolved. 
Requested resolution : - Provisional credit for the missing refunds - Full investigation - Written confirmation of findings I request CFPB oversight to ensure Wells Fargo complies with Regulation Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under [ 15 USC 1681e ( b ) ], [ 1681 USC ( i ) ( a ) 5 ], [ 15 USC 1681s 2 ], [ 15 USC 1692g ], and [ 15 USC 1692c ]. XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 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 reaching out once again because inaccurate and unverifiable information continues to appear on my credit file, despite my previous disputes. This is now my third follow-up, and I am asking for the permanent removal of the following items that do not reflect my true financial history. 
The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$0.00} XXXX XXXX is still reported as a late close. Under Late Close : 605B / 15 U.S.C. 1681c-2, I have the right to request the permanent removal of information resulting from errors. In addition, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires reasonable reinvestigation of disputed items, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ensures furnishers report accurate information. Despite these protections, this item remains inaccurately reported and must be permanently removed. 
The charge-off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$1600.00} XXXX XXXX also continues to appear without supporting documentation such as a 1099-C, making it unverifiable. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information must be accurate. Because this item can not be verified, I am requesting its permanent removal from my credit file. 
Similarly, the account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a Balance Owed : {$1200.00} remains on my report as a charge-off without proper verification. I have disputed this multiple times, yet it continues to appear inaccurately. Like the others, this account must be permanently removed to reflect only accurate and verifiable information.

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
Mandarich Law Group LLP sent me an outdated debt validation statement that omitted the information I had requested. Despite sending them an initial letter requesting a validation of the debt, they failed to provide the correct documents. I then sent a cease and desist letter, but they continued to collect the debt and sent me again the incomplete documents for two accounts instead of the original account I requested. They even asserted my responsibility despite their repeated failures to validate the debt twice. Their request was unprofessional, and I require a thorough investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXI am submitting this complaint to report multiple inaccuracies currently appearing on my credit file, which I believe violate my rights under the Fair Credit Reporting Act (FCRA). These errors are misleading, inconsistent, and unfairly damaging my credit profile.XXXX XXXX  Balance XXXXnThis account is listed as a charge-off, but the balance reporting appears inconsistent and requires reinvestigation to ensure it is being reported accurately and in compliance with the FCRAXXXX XXXX XXXX XXXX   Balance XXXX XXXX XXXX XXXX  Balance XXXXnThe same debt is being reported twice under the same account number with different balances. This constitutes duplicate reporting and misrepresents my obligation. Only one accurate version, if valid, should appear.\nThe following inquiries appear questionable, unauthorized, or repeated. They must be reviewed for accuracy and proper permissible purpose:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance:XXXXThese inquiries either appear duplicative or without proper authorization, and I request they be validated and removed if not initiated by 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 2025-09-29 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: CT

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and TransUnion has violated my rights.

Accounts with wrong open dates, amounts due and no proof of ownership provided, to the following accounts, which is a violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-09-29 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: OK

Complaint narrative:
I am submitting this complaint to formally document the ongoing dispute regarding my XXXX personal installment loan account # XXXX. Despite providing extensive evidence, including XXXX own letters and documentation, XXXX has : Repeatedly refused to provide any new verification of the account or interest calculations. 

Marked my prior CFPB complaints as duplicates to avoid responding substantively. 

Reported additional post-default interest and a delinquent status to TransUnion on XX/XX/XXXX, after I had already disputed this account. 

Repeatedly stated in correspondence that the account can not legally be removed while refusing to substantiate their claims or correct unverifiable reporting. 

Included an impossible validation date of XXXX, two years before the loan originated, further confirming inaccurate reporting. 

I have escalated this matter to the Oklahoma Attorney Generals office, which is now reviewing my complaint. XXXX ongoing refusal to correct or delete unverifiable and inaccurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand that all credit reporting agencies immediately delete this account, as XXXX has failed to provide any verifiable evidence supporting their reporting, including interest calculations or validation of the account. Their may clause is discretionary and can not legally justify continued reporting of unverifiable information. Failure to comply constitutes a continued violation of the FCRA ( 611, 623 ) and FDCPA, and may result in further legal and regulatory action.

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