vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 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: IN

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect. Please review and amend these entries. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$490.00} Late Payments : XXXX  XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was the victim of account takeover and impersonation fraud. An individual impersonating Wells Fargo contacted me and deceived me into cooperating under false pretenses. During this interaction, my account security was compromised. 

While my account was compromised, electronic transfers were initiated from my Wells Fargo account using XXXX XXXX. I did not knowingly authorize or intend to send money to a scammer. 

Wells Fargo denied my fraud claim, escalated denial, and Executive Office review without ever contacting me for a meaningful investigation or allowing me to provide evidence. They incorrectly classified this as an authorized transaction despite federal Regulation E, which covers unauthorized electronic transfers resulting from account takeover and social engineering.

A police report has been filed documenting the fraud. I am requesting regulatory review of Wells Fargos failure to properly investigate and their misapplication of Regulation E.

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am disputing an attempt to collect and report a debt that is not legally owed. 

On or about XX/XX/year>, the original landlord / apartment complex attempted to collected alleged move-out charges without an itemized bill. Under Arizona law, landlords are required to provided an itemized bill within 14 days. No itemized bill was provided within the required timeframe. 

I initially sent a money order but canceled it on or about XX/XX/year> after no itemized bill was provided even though it was promised. No payment was ever completed or accepted. I then formally disputed the charges in writing. 

The landlord did not provide an itemized bill until XX/XX/year>, which was well beyond the statutory deadline. Because the required itemization was not provided on time, the charges are not legally owed. 

On XX/XX/year>, a collection agency contacted me regarding this alleged debt. On XX/XX/year>, I sent the collection agency a written debt validation request, disputing the debt and requesting proof that the debt was owed. 

The collection agency never provided any validation or documentation in response to my dispute. 

Despite the lack of validation, the collection agency, National Credit Systems , Inc., reported the alleged debt to XXXX on XX/XX/year>, causing significant damage to my credit. Reporting a debt after a timely validation request without providing validation is continued collection activity. 

I also disputed the account with XXXX XXXX XXXX XXXX but the account remains on my credit report. 

This is an attempt to collect and report a debt that is not legally owed and was reported without validation after a timely dispute. 

I later learned that the collection account had been initiated internally in or around XX/XX/year>, prior to the first phone contact with me in XXXX. When the collection agency contacted me on XX/XX/year>, I was instructed to submit documentation to support my dispute, which I did by sending a written dispute on XX/XX/year>. 

Despite advising me to submit dispute documentation, the collection agency proceeded to report the account to XXXX  on XX/XX/year>, creating the appearance of a new or recent delinquency while my dispute was pending and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
The hard inquiries listed on my consumer credit report are unauthorized by me. I did not provide my consent, authorization, or application for credit that would permit these inquiries to be made. Although the creditors may claim a permissible purpose, I did not initiate or approve any transaction that would lawfully allow access to my consumer report.

I have previously disputed these inquiries ; however, they continue to be reported. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for purposes authorized by law. In the absence of my authorization or a valid, verifiable permissible purpose initiated by me, the continued reporting of these inquiries is inaccurate and unlawful.

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 2025-12-23 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: VA

Complaint narrative:
I am disputing the accuracy of the following accounts reported by Experian : Charged Off Accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXXXXXX XX/XX/XXXX {$710.00} Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments : Experian : XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card had a transaction I did not approve of. states no inform

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 2025-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for failing to investigate and correct inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ).

I previously sent formal dispute letters under 15 U.S.C. 1692g to the alleged debt collectors reporting these accounts, including XXXX XXXX XXXX and XXXX XXXX XXXX, on XXXX XXXX XXXX, via certified mail. These accounts do not belong to me. I have no knowledge of them, never entered into any agreements with the alleged creditors, and they belong to someone with the same or a similar name. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Balance : {$660.00} | Account # : XXXX Reported by : Experian, Equifax, TransUnion Discrepancies : Missing account numbers across bureaus Recently updated ( XX/XX/XXXX ) while opened XX/XX/XXXX possible illegal re-aging Status reported as Collection/Charge-off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : Experian, Equifax, TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
There are two accounts from XXXX  XXXX XXXX on my credit report that are not mine and I think that they are fraud. Please help me to remove those fraudulent accounts from my credit report as I'm a victim of identity theft. The fraud accounts are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate, unverifiable, and legally defective information related to a vehicle repossession. 

XXXX XXXX XXXX repossessed my vehicle and is reporting a remaining balance of {$7000.00}. However, they have never provided me with : A Notice of Sale after repossession The date of sale, method of sale, or sale price A post-sale deficiency calculation showing how any remaining balance was determined Proof that the sale was commercially reasonable, as required by law Without this mandatory information, any reported deficiency balance is unverifiable and unlawful. 



XXXX XXXX XXXX XXXX XXXX conduct violates multiple federal and state laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Reporting a balance without proof of sale and deficiency calculation renders the tradeline inaccurate and unverifiable. 

Uniform Commercial Code XXXX XXXX XXXX XXXX XXXXXXXX Requires secured creditors to : Provide notice of disposition Conduct a commercially reasonable sale Provide post-sale accounting Failure to comply bars collection and reporting of any deficiency balance. 



Credit Reporting XXXX XXXX XXXX XXXX is currently reporting : Account status : Repossession / Derogatory Balance : {$7000.00} Account closed : XX/XX/scrub>XXXX XXXX XXXX  This reporting is materially misleading because : No sale documentation has been provided No deficiency calculation exists The balance can not be independently verified Harm Caused This inaccurate reporting has caused : Significant damage to my credit profile Denial of credit opportunities Ongoing financial harm due to unlawful reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate, unverifiable, and legally defective information related to a vehicle repossession. 

XXXX XXXX XXXX repossessed my vehicle and is reporting a remaining balance of {$7000.00}. However, they have never provided me with : A Notice of Sale after repossession The date of sale, method of sale, or sale price A post-sale deficiency calculation showing how any remaining balance was determined Proof that the sale was commercially reasonable, as required by law Without this mandatory information, any reported deficiency balance is unverifiable and unlawful. 



Legal Violations XXXX XXXX XXXX conduct violates multiple federal and state laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Reporting a balance without proof of sale and deficiency calculation renders the tradeline inaccurate and unverifiable. 

Uniform Commercial Code XXXX XXXX XXXX XXXX XXXXXXXX Requires secured creditors to : Provide notice of disposition Conduct a commercially reasonable sale Provide post-sale accounting Failure to comply bars collection and reporting of any deficiency balance. 



Credit Reporting Errors XXXX XXXX XXXX is currently reporting : Account status : Repossession / Derogatory Balance : {$7000.00} Account closed : XXXX XXXX XXXXXX/XX/year> This reporting is materially misleading because : No sale documentation has been provided No deficiency calculation exists The balance can not be independently verified Harm Caused This inaccurate reporting has caused : Significant damage to my credit profile Denial of credit opportunities Ongoing financial harm due to unlawful reporting

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 2025-12-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement 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
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
TORRES CRDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research TORRES CRDIT 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX, after XXXX XXXX Central time, I requested a transfer of {$250.00} from my Sofi checking account ending in XXXX, to my XXXX XXXX  savings account ending in XXXX. 

On the morning of XX/XX/XXXX, before XXXX XXXX Central time, Sofi notified me that the transfer had completed. I immediately checked the balance and transaction log in my XXXX XXXX  savings account, and did not see the transaction posted. I checked my Sofi checking account balance and transaction log, and saw that the funds had been withdrawn. 

Since the money had been withdrawn but not transferred, I contacted Sofi customer support. They provided me with the transaction ID XXXX to attempt to resolve the issue with XXXX XXXX  . I contacted XXXX XXXX  customer support, who informed me that they needed the 15-digit transfer identifier in order to determine the state of the transaction. I contacted Sofi again, seeking this information, and they informed me that they could not provide it. I requested escalated customer support, which I received, and which acknowledged that it was processed as an ACH transfer. They also told me that despite the transaction showing a status of Posted, they did not have a trace ID for it. 

I hesitate to summarize that SoFi stole my money, but there is no question that they are the last ones I gave it to - and they are refusing to help me find or retrieve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-12-23 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: NJ

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

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

Company 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 2025-12-23 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: NJ

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

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

Company response to consumer: Closed with non-monetary relief