vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an official Undue Medical Debt letter confirming that my {$1400.00} medical debt from XXXX XXXX XXXX XXXX was purchased and canceled through a partnership with the North Carolina Department of Health and Human Services. Despite this, Ability Recovery Services continues to report and verify this same debt with XXXX. When I contacted their supervisor, XXXX XXXX, he stated that the service date they have is XX/XX/XXXX, while my Undue letter lists XX/XX/XXXX. These XXXX debts are identical in amount and provider, and I only had XXXX account with XXXX XXXX XXXX XXXX. I believe they are misreporting or re-aging the same canceled debt to continue collection activity. I requested documentation proving this is a different debt or confirmation that it was deleted, but they have failed to provide validation. Their continued reporting of this canceled account is inaccurate and misleading under the FCRA and FDCPA.

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 2025-10-31 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX my house got broken into and someone stole my birth certificate and my social security card. they applied for a XXXX XXXX  credit card on XX/XX/year> in my name but i saw this hard inquiry on my XXXX XXXX XXXX and immediately called XXXX XXXX to report it as fraud and had the card canceled. but i am still seeing the inquiry on my transunion score. Case number for fraud is XXXX. I did file a police report after the incident because i was in the XXXX and they forced me to report it. I need help getting this inquiry off of my credit report due to the fraudulent activity.

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 2025-10-31 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: AR

Complaint narrative:
I am sending this as a concerned consumer who has carefully reviewed my credit report and identified multiple instances of inaccurate reporting that are negatively affecting my overall credit profile and financial standing. These inaccuracies can have significant consequences on my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-10-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2025 {$880.00} was deposited to the atm but the atm timed out and took all my cash and didnt give me a receipt, so the atm basically took all my cash didnt go into my account at all It was from Regions bank atm ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 monetary relief
Consumer complaint received 2025-10-31 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 submitting a complaint to follow up on my previous disputes regarding the account XXXX XXXX XXXX which is currently reported with a balance of {$0.00} and classified as Charged Off. Despite my prior disputes, this account continues to appear on my credit report in an inaccurate and unverifiable manner. I am formally demanding the permanent removal of this account from my credit report, as its continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Any information that can not be verified must be deleted from the consumers credit file. In addition, under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 605B / 15 U.S.C. 1681c-2 ), furnishers of information have a duty to report only accurate and verifiable information. Reporting an account as Charged Off when it is not substantiated with proper documentation constitutes a direct violation of these legal obligations.

This account contains no current balance, and there is no verifiable documentation to justify its classification as charged off. Its continued presence on my credit report is therefore inaccurate, misleading, and detrimental to my credit profile. The account furnisher has failed to provide proof of the debt in accordance with federal law, and your agency has failed to ensure maximum possible accuracy in 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 2025-10-31 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: TX

Complaint narrative:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than XXXX XXXX consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to XXXX reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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 2025-10-31 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:
After conducting a recent and detailed review of my credit report, I discovered several entries that appear to be inaccurate, inconsistent, or unverifiable. These inaccuracies negatively affect my creditworthiness, access to credit, and overall financial opportunities. 
XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : U.S. Bankruptcy Court XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this formal dispute and requesting a full reinvestigation of the items in question. Each disputed entry should be thoroughly verified for accuracy and completeness. Should any information be found to be inaccurate, incomplete, or unverifiable, I request that it be promptly corrected or removed to ensure my credit report provides a fair and accurate representation of my financial history.

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 2025-10-31 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: MD

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-31 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: MO

Complaint narrative:
This letter is to inform you that I recently received your response to my account disputes you via CFPB XXXX that provides no verification of ownership the debt published on my credit reports and no assignment contract. XXXX XXXX  has failed to provide any signed contact with my name affixed. XXXX XXXX has also failed to provide any legal documentation or contracts giving you permissible permission to report a debt. XXXX  and Equifax are legally bound to remove this account from their reports. Equifax and TransUnion, you are legally obligated to remove all unverified and inaccurate information from my credit report. 

I am demanding that Equifax and XXXX, XXXX investigate this account, and send me a copy of all the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I am demanding that XXXX provide the following : XXXX. Assignment Contract or Full Chain of Assignment XXXX. Bill of Sale from the Original Creditor XXXX. Contract from the original owner with my signature Please be advised the documents received in the CFPB are not acceptable. Again, see the list above. If these documents are not provided within XXXX business day I will seek legal action. 
Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the account. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within XXXX  days of receipt. Of this letter then you must remove this account from my credit report. 
Please provide me with a copy of an update and correct credit report showing this item has been removed. 

CFPB Complaint : COMPLAINT ID : XXXX XXXX  Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Partial Account Number XXXX * * * Equifax Account Name : Equifax Account Number : XXXX XXXX XXXX. Partial Account Number * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I am sending this complaint to dispute inaccurate late payment reporting and account details appearing on my credit report. The account XXXX XXXX  ( Acct. XXXX * * ) * *, a mortgage account, is being incorrectly reported as XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though it was fully paid and closed with a {$0.00} balance as of XX/XX/XXXX. This reporting is inconsistent with my actual payment history and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> i was contacted by a fake instagram account claiming to be my cousin XXXX who just joined the XXXX XXXX. The person who had created the fake account stole his pictures and was claiming to need money to purchase military boots. I told him that I could not help. Then they said that I could at least help with a deposit of at least $ XXXX {$50.00}. They claimed that they were there in person with the boot seller. I sent through XXXX the money to XXXX whos name showed up as XXXX XXXX. I tried twice and it didnt go through and they said try to send it to this other number, ( XXXX ) XXXX. It came up as XXXX XXXX. 
I sent the {$30.00} through XXXX. After sending the money the fake profile deleted their account and I could not get back in contact with them. Later that night they tried adding me again with another fake profile and the stolen picture. The next day I got another friend request from another profile impersonating him. I blocked and deleted all of these requests. My older sister also got a friend request and messages from this person who was impersonating my cousin. 
I was able to get in contact with my cousin XXXX through his real account and he said that for the past year people have been stealing his pictures and impersonating him. 

Unfortunately, I dont have any screenshots of our conversations since the person deleted their profile and that deleted all records on my end of any proof of the conversation that we had. All I have is the XXXX transaction screenshots, and the conversation with my cousin where he told me that he knows that people have been impersonating him. 

I immediately reported the incident to Wells Fargo, but they denied my fraud claim and said the transaction was authorized. This was not a valid authorized transfer it was an impersonation scam. Im requesting that Wells Fargo reopen my case, submit a funds recall request to the receiving bank, and provide written confirmation of their investigation. 

Please review Wells Fargos handling of my claim and confirm whether they are following Regulation E and current XXXX fraud guidance for impersonation scams. I have screenshots, transaction details, and evidence of the impersonation if needed. 

Amount lost : {$30.00} Thank you for helping me resolve this issue.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I would like to know what email was used to get this along. I want to set up a payment plan or to get this deleted off of my credit. Its been on there since XXXX  and Ive asked you guys newer times to find this loan for me. I I applied and I didnt get to spend the money. The money was stolen with my phone. please help me set up a payment plan or maybe I could fill out some forms for Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this complaint to dispute inaccurate late payment reporting and account details appearing on my credit report. The account XXXX XXXX  ( Acct. XXXX * * ) * *, a mortgage account, is being incorrectly reported as XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though it was fully paid and closed with a {$0.00} balance as of XX/XX/XXXX. This reporting is inconsistent with my actual payment history and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report.

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 2025-10-31 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-31 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I signed a XXXX  year purchase agreement with XXXX XXXX XXXX Ohio that was financed through Goodleap. The sales guy and the owner told me it would be an even KWH exchange but come to find out that is only half of what I am getting because I am not getting the full retail rate for each KWH I produce. 
Also XXXX XXXX XXXX ceased operations XX/XX/XXXX, so I lost my XXXX  year parts and labor warranty.That is the main reason I did Solar Panels for XXXX  year warranty parts and Labor.

Company response to consumer: Closed with explanation