vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Global Lending Services LLC
State: KS

Complaint narrative:
Incorrect charge-off reporting and lack of notice Global Lending Services Global Lending Services is reporting a charge-off account on my XXXX  and XXXX credit reports with a balance of {$11000.00}. The account shows a last payment date of XX/XX/XXXX and was closed XX/XX/XXXX, but it was recently updated on XX/XX/XXXX, which makes it appear newer than it actually is. 

I never received any written notice of a charge-off, and this reporting appears to be a case of re-aging the account, which is prohibited under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and 623 ( a ) ( 5 ). The creditor and bureaus are required to report accurate and complete information, including the correct date of first delinquency and notice of charge-off.

I am filing this complaint regarding inaccurate and misleading information being reported by Global Lending Services on all three of my credit reports ( XXXX XXXX and XXXX ). 

The account is an automobile loan originally opened XX/XX/XXXX, closed XX/XX/XXXX, and shows a last payment on XX/XX/XXXX. However, all three credit bureaus show this account was updated again on XX/XX/XXXX, which makes it appear more recent than it truly is. 

I never received any written notice from XXXX XXXX Services that my account was being charged off. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 605 ( a ) ), furnishers must report accurate and complete information, including the original date of delinquency and proper charge-off notice. Updating an old charge-off as though it were new can constitute re-aging, which is illegal.

This account is being reported with a past due balance of {$11000.00} and charged off status even though the charge-off occurred years ago. The recent Status Updated date of XX/XX/XXXX is misleading and damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccuracies that are blatantly inaccurate and fail to meet the required standards of maximum accuracy. These errors are severely weighing on me, causing ongoing negative impacts that you can not fully comprehend these are extremely trying times. Correcting or removing these inaccuracies is essential and would be a significant relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Disputed Charged-Off Accounts XXXX XXXX Account # XXXX, XX/XX/XXXX, {$900.00} XXXX  Account XXXX XXXX, XX/XX/XXXX, {$1300.00} XXXX Account # XXXX, XX/XX/XXXX, {$0.00} These accounts appear to be duplicates or unverifiable. I have not received any documentation validating these balances or confirming that they belong to me.

Disputed Inquiry XXXX, XX/XX/XXXX I do not recall authorizing this inquiry. Please verify authorization or remove it. 

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 I am requesting verification of these late payments. If proper proof can not be provided, I request that XXXX  remove or correct these negative marks. 

TRANSUNION ( TU ) Disputed Charged-Off Accounts XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} This account shows a XXXX balance yet is listed as charged off. Please verify or delete if unverified. 

XXXX XXXX Account # XXXX, XX/XX/XXXX, {$900.00} No validation has been provided despite prior disputes. 

XXXX Account # XXXX, XX/XX/XXXX, {$1300.00} I do not recognize this account and request full verification or deletion. 

XXXX Account # XXXX, XX/XX/XXXX, {$0.00} This appears to be inaccurately reported as charged off despite having no balance. 

Disputed Inquiries XXXXXXXX XXXX XXXX XXXX XXXX  I do not recall authorizing these inquiries. Please provide proof of consent or remove them if unverified. 

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 XXXX XXXX I request that TransUnion verify these reported delinquencies. If any can not be fully verified, they should be corrected or deleted.

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 2025-11-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Cards CBNA- XXXX I called in XX/XX/year> at XXXX and explained to them I should not be an authorized user on this credit card. By XXXX, after runaround, they could not " verify '' me to get me removed as an authorized user for this account holder- which makes sense as I was never a customer with them. They could not even tell me when I was added as an authorized user and I can not see that information on my credit report.

My concern is how my ex-spouse was so easily able to add me to this credit card post divorce. During our entire marriage, he refused to add me as an authorized user to the credit cards, however, it is now showing up on my credit report and CITI is not helping resolve. I have disputed this already with XXXX  for it to 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 2025-11-04 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: CA

Complaint narrative:
I am disputing the following information on my Equifax credit report : Charged Off Accounts : [ No charged-off accounts in dispute ] Inquiries : XXXX XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please review and delete the following accounts if the reporting furnisher can not provide full documentation verifying ownership, accuracy, and permissible reporting status : XXXX XXXX Account # XXXX Status : Paid in settlement/ XXXX written off ( Charge-Off ) Reason for dispute : Debt settled in XXXX and inaccurately coded as charge-off ; must show XXXX balance and PaidSettled. 


XXXX XXXX XXXX Account # XXXX Status : Charged off / XXXX written off ( Open since XXXX ) Reason for dispute : Debt outside 4-year reporting period under new small-loan update ( less than XXXX original balance, over 48 months old, unverifiable ). 


XXXX XXXX Account # XXXX Status : Charged off / XXXX written off Reason for dispute : Account reported as Never Late yet coded Charge-Off ; contradictory and unverifiable. 


JEFFERSON CAPITAL SYSTEMS LLC Original Creditor XXXX  / Account # XXXX Reason for dispute : Debt buyer must provide full chain of assignment and contract ; otherwise unverified under 623 ( a ) ( 1 ) ( A ). 


XXXX XXXX XXXX Original Creditor XXXX XXXX / Account # XXXX Reason for dispute : Debt buyer must verify ownership and contract under FCRA and Reg V guidance ( XXXX update ). 


XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX Reason for dispute : Unverified assignment and outdated collection ( opened XX/XX/XXXX XXXX exceed 36-month validation window for medical and tool vendor debts ). 


XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX. / Account # XXXX Reason for dispute : No validation notice or contract produced ; potentially duplicate of XXXX XXXX inquiry ( XX/XX/XXXX ). 


Under the FCRA and the XXXX Consumer Data Accuracy Standards, please provide within 30 days : Verification of each disputed account, including the original creditor agreement, chain of title, and date of first delinquency. 


Deletion of any account that can not be fully verified as accurate and complete. 


If verification can not be produced within the allotted time, I request immediate deletion of the disputed items from my credit file and that an updated credit report be mailed to me reflecting these corrections. 
Please note this dispute is not a refusal to pay but a request for factual accuracy and compliance with current federal standards. 
Sincerely, XXXX XXXX XXXX XXXX ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am reporting this issue because unauthorized and inaccurate accounts have been added to my credit report. I never opened or authorized these accounts and was not notified that they had been added. The discrepancies across the three credit bureaus clearly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires accurate and verifiable reporting practices.

Additionally, 15 U.S.C. 1681i requires that disputed information be thoroughly investigated and either corrected or deleted within 30 days, while 15 U.S.C. 1681g gives me the right to full and accurate disclosures of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) die to inadequate customer service and unfair practices, which violate the Consumer Financial Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process comply with error resolution requirements under the Electronic Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching " L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : 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 2025-11-04 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Here are the documents and Issue : My current Checking Account is XXXX ( once house payment XXXX goes through XX/XX/XXXX ) in negative with XXXX Checks were written before XXXX XXXX both checks were called fraudulent-and XXXX Paid off XXXX XXXX  for XXXX XXXX XXXX XXXX  offer expired XXXX XXXX wanted to use Wells Fargo XXXX XXXX XXXX month to pay of credit card debt- Now Wells Fargo is not honoring XXXX and I am XXXX negative in checking account ; see items below. XXXX needs resolved in XXXX business days so other bad things dont happen Subject : Urgent Account Error Balance Transfer Checks Rejected/ {$7000.00} Overdraft Dear Wells Fargo Customer Relations , I am writing to formally dispute the rejection of XXXX balance transfer checks sent to me under your XXXX XXXX XXXX  for XXXX  months promotion. 
I deposited the first check ( for {$7000.00} ) into my Wells Fargo checking account on XX/XX/year>. The check was returned marked fraudulent. 
When I called Wells Fargo, your representative instructed me to write my new credit card number in the memo line of the replacement check and redeposit it. I followed those instructions exactly. The second check was also rejected, resulting in a {$7000.00} negative balance in my checking account on XX/XX/year>. 
I acted in good faith and followed the instructions given by your employee. At the time of both deposits, the offer was still valid and the checks had not expired. I am requesting that Wells Fargo : XXXX. Reverse the {$7000.00} overdraft and related fees ;

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 2025-11-04 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: CT

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 2025-11-04 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: NJ

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing this complaint regarding my closed WELLSFARGO account that is being reported with late payments and a charge-off status. 

This account was closed and settled, yet WELLSFARGO continues to report it with multiple late payments and a charge-off balance that I do not owe. I have contacted WELLSFARGO to resolve the issue and to request verification of the information being reported, but I have not received proper documentation to support the accuracy of these entries. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and verifiable information. Reporting late payments and a charge-off on an account that is closed and has a {$0.00} balance is inaccurate and misleading. This continued reporting is negatively impacting my creditworthiness and does not reflect the true standing of the account.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: NM

Complaint narrative:
RIA Money Transfer closed my account without giving me any reason, and the compnay has taken all the rewards I earned from referring friends, and refused to provide any information.

Company response to consumer: Closed with explanation