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

Complaint narrative:
I am disputing the accuracy and completeness of a utility account that appears on my credit report [ ACCOUNT # : XXXX ]. The furnisher reported only a charge-off status without including any prior months of payment history. Reporting only the negative portion of an account while omitting its full activity is incomplete and misleading. Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reports must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must follow reasonable procedures to assure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), furnishers are required to correct or stop furnishing information that is not complete or accurate. 
Because the furnisher has not provided the full payment history, this reporting fails to meet these standards.

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 2025-11-11 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint narrative:
Central Payment has been charging our business for merchant fees since XXXX after we closed our accounts. I have asked for merchant statements to be emailed and they still have not. 
They told me to call XXXX because they took care of account. We called and they have documentation that we cancelled our account on XXXX. They have charged us anywhere from {$31.00} to this XX/XX/XXXX XXXX each month. Approximately XXXX. XXXX with central payment even told me we called and cancelled our account by phone XX/XX/XXXX. We are requesting full refund. they say now that XXXX of the accounts was never closed and admit we never used the account but somehow on there end it didnt get cancelled. We have received no merchant account services. Every time I call the story changes. I have talked to XXXX, XXXX and XXXX. I also sent a email to the central payment support team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to dispute certain negative items on my credit reports as listed below. I have reviewed my credit files and believe these items to be incorrect or inaccurate based on the information available to me. Below are the details of the accounts I am disputing : CHARGED OFF ACCOUNTS XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1100.00} INQUIRIES XXXX XXXX LATE PAYMENTS XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
This letter serves as a formal demand for removal of unauthorized and inaccurate information reported by XXXX XXXX Bank ( Acct # : XXXX ) and XXXX XXXX XXXX XXXX ( Acct # : XXXX * * * ) * *. 

I have never provided written authorization or signed consent for either entity to furnish or publish my consumer data to your bureau. Their reporting constitutes a violation of 15 U.S.C. 1681b ( a ) ( 2 ), 1681b ( f ), and 1681s-2 ( a ) ( 1 ) ( A ).

Under 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a report with the consumers written consent. Because no such authorization exists, you are required to delete these accounts. Additionally, 1681e ( a ) obligates your agency to prevent reports furnished without a permissible purpose.

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 2025-11-11 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: PA

Complaint narrative:
This letter serves as a formal demand for removal of unauthorized and inaccurate information reported by XXXX XXXX Bank ( Acct # : XXXX ) and XXXX XXXX XXXX XXXX ( Acct # : XXXX * * * ) * *. 

I have never provided written authorization or signed consent for either entity to furnish or publish my consumer data to your bureau. Their reporting constitutes a violation of 15 U.S.C. 1681b ( a ) ( 2 ), 1681b ( f ), and 1681s-2 ( a ) ( 1 ) ( A ).

Under 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a report with the consumers written consent. Because no such authorization exists, you are required to delete these accounts. Additionally, 1681e ( a ) obligates your agency to prevent reports furnished without a permissible purpose.

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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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.

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 2025-11-11 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint because Transworld Systems Inc. ( TSI / XXXX ) is reporting a {$240.00} collection account originally from XXXX XXXX with conflicting and duplicate tradelines on my credit reports. 

I sent two certified dispute and validation requests ( dated XX/XX/XXXX, and XX/XX/XXXX ) under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Fair Credit Reporting Act ( FCRA 623 ). TSI failed to respond within the required timeframe and continues to report inaccurate, unverified, and duplicate information to the credit bureaus. 

Specifically : One tradeline shows Charge-Off/ Closed with last activity XX/XX/XXXX. 

Another shows Open Collection / Charge-Off with last activity XX/XX/XXXX. 

Both reference the same account number ( XXXX ) and balance ( {$240.00} ). 

No signed contract, itemized billing, or proof of assignment has ever been provided. 

This is a violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) and FDCPA 807 ( 2 ) ( A ) ( misrepresenting the character or amount of a debt ). Continued reporting without validation also violates FDCPA 809 ( b ).

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

Complaint narrative:
I am submitting this dispute regarding a charged-off account reported on my Equifax credit report. I request that Equifax conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and remove or correct any information that can not be verified. 

Account in Dispute : XXXX XXXX Account XXXXXXXX XXXXXXXX Date XXXX XXXXXX/XX/year> Reported Balance : {$500.00} Please verify this account with the original creditor. If the information can not be verified as accurate, I request that it be removed from my credit report. 

Thank you for your prompt attention and written confirmation of your reinvestigation results.

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

Complaint narrative:
Equifax is reporting a collection where the only identifier is the number XXXX. There is no furnisher name, no address, no phone, no original creditornothing that would allow me to contact or validate this alleged debt. Equifax also shows Account not disputed, even though I have disputed this twice over 60+ days ( 80+ days on our 40-day cycle ).

Allowing an anonymous collection violat

es : FCRA 607 ( b ) CRAs must maintain procedures to ensure maximum possible accuracy ; an entry with no furnisher identity can not be accurate or verifiable.

FCRA 611 ( a ) failure to perform a reasonable reinvestigation and provide verification ; closing disputes by mailing a copy of my report is not verification. FCRA 623 ( a ) CRAs must not continue to display
information the furnisher can not or does not verify.

FDCPA 809 ( b ) I can not request validation from an unknown collector; continuing to report obstructs
my statutory rights.

Metro 2 requires a valid furnisher name and contact, consistent identifiers, and correct dispute coding.

It is a major data-integrity failure for a CRA to host a collection with no identifiable furnisher. This is factually inaccurate and unverifiable by definition and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$24000.00} from my XXXX XX/XX/XXXXchecking account to what I believed was a legitimate auto dealership account at Wells Fargo Bank. The transaction later turned out to involve a fraudulent recipient account. 

Immediately after receiving the funds, the recipient withdrew or transferred all funds and closed the Wells Fargo account. XXXX has been actively attempting to recover the funds and obtain cooperation from Wells Fargo since XX/XX/year>, but Wells Fargo has not responded or provided any documentation or restitution. 

Concerns : Wells Fargo appears to have failed to perform proper Know Your Customer ( KYC ) and Anti-Money-Laundering ( XXXX ) due-diligence checks under the Bank Secrecy Act ( BSA ).

The bank may have violated UCC Article 4A-204 by accepting and disbursing funds into a fraudulent or unauthorized account.

The rapid withdrawal and account closure should have triggered a Suspicious Activity Report ( SAR ). If a SAR was filed, Wells Fargo took no remedial action or provided any follow-up response to XXXX or me. 
The absence of communication or cooperation from Wells Fargo has prolonged the loss and caused ongoing financial hardship, including difficulty maintaining mortgage obligations and other credit payments. 

Requested CFPB Action : XXXX. Require Wells Fargo to provide documentation regarding the recipient account, including XXXX and transaction history. 
XXXX. Confirm whether Wells Fargo complied with XXXX and XXXX reporting obligations. 
XXXX. XXXX Wells Fargo to coordinate with XXXX Bank to refund or restore the misdirected funds. 
XXXX Review this case in light of the consumer harm and financial stress caused by Wells Fargos failure to act.

I am requesting that Wells Fargo Bank provide a full explanation and documentation of their actions regarding the fraudulent recipient account, confirm compliance with XXXX and XXXX obligations XXXX and coordinate restitution of the {$24000.00} wire transfer with XXXX XX/XX/XXXXXXXX 

I am able to provide a call log, case numbers and dates of the XXXX times I have contacted XXXX XX/XX/XXXXto follow up with this case, along with emails and purchase agreement between the auto dealership and myself along with the online listing of the vehicle upon request. I am also able to obtain the police report I filed with my local jurisdiction if needed. 

Thank you for your immediate cooperation in this matter. 

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I missed a scheduled payment on my car loan. As a result, the lender closed my account. The account is now reported on my credit report as closed and reflects the missed payment. I am submitting this comment to ensure the reporting is accurate, including the closure date, account balance at closure, and any late payment information. I have not authorized any changes to the account beyond what actually occurred, and I want to make sure the credit reporting accurately reflects the lenders actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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