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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverified items being reported on my credit file by certain furnishers. These entries have severely impacted my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Below are the specific accounts and issues in question : XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Status : Charge-Off Balance : {$0.00} I have no knowledge or record of this account whatsoever. This entry appears to be erroneous and unverifiable. Since the furnisher has failed to provide me with any proof of ownership or contract, this account must be immediately deleted from my credit report in accordance with FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ) for reporting inaccurate data. 

XXXX. XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Status : Late Payment This account is reporting late payments that are entirely false and inaccurate. I have never made any late payments on this account, and such reporting is damaging to my credit standing. I am requesting a full investigation and correction of the payment history. The account should reflect an accurate and positive payment record per FCRA 607 ( b ) ( duty to assure maximum possible accuracy ). 

XXXX. XXXX Hard Inquiry Date Reported : XX/XX/XXXX This inquiry was made without my knowledge or authorization. I never applied for any credit with this entity, and therefore, this unauthorized inquiry is a violation of FCRA 604 ( a ), which prohibits credit inquiries without a permissible purpose. I request immediate removal of this inquiry and appropriate investigation into how this information was obtained or used. 

Requested Actions : Conduct a full investigation of each disputed item. 

Delete any unverifiable or inaccurate information. 

Provide me with written confirmation of the results and updated credit file. 

Ensure the furnishers comply with all FCRA provisions to prevent further harm to my credit profile. 

These repeated inaccuracies demonstrate negligence and non-compliance by the data furnishers, and I am requesting the CFPB to take enforcement action to ensure proper resolution. 

Thank you for your attention to this matter. I expect your prompt response and investigation results in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a commission check for about {$7300.00} with Wells Fargo on the morning of XX/XX/year>. The receipt said that {$270.00} would be available the next day and the rest on XXXX. 

Unbeknown to me they marked the check issuer as not having enough funds and now theyre holding it until XX/XX/XXXX. 

I know the check issuer because we work together ( real estate ) and she said there was never any issue on her end as far as not enough funds. 

I called Wells Fargo and they are completely not caring. The actual branch basically told me they cant do anything. They explained that the money is yours and in your account, you just arent allowed to use it yet. They also couldnt tell me exactly why they put an extra hold on it.

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:
HI, AND THANK YOU FOR READING THIS. SO THIS ALL STARTED VERY LONG TIME AGO AS I FOUND OUT SOMEONE HAD MY INFORMATIONFOR A WHILE AND HAS BEEN USING IT TO PRETEND TO BE ME. IF YOU CAN PLEASE TAKE CARE OF THIS SITUATION ON YOUR SIDE SINCE I ALREADY DID MY PART AND SPOKE ALSO MADE SURE THAT EVERYBODY IS NOTIFIED ABOUT THIS INCIDENT. THIS BANKS ARE WHO MADE INQUIRES ABOUT THE APPLICATIONS THAT WERE MADE : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX. THANKS FOR UNDERSTANDING

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute with Experian regarding the following accounts and inquiries that are inaccurately reported : Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX CAP XXXX NA Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because inaccurate and unverified information continues to appear on my credit report despite previous disputes submitted directly to the credit reporting agency. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to request a full reinvestigation of these disputed items. However, the bureau has failed to conduct a reasonable reinvestigation or provide proper verification from the data furnisher as required by law. 

I previously submitted supporting documentation to prove that the reported information is inaccurate, incomplete, or unverifiable. Despite this, the bureau simply verified the information without providing any evidence of how the verification was conducted or who verified it. This action constitutes noncompliance with FCRA 611, which mandates that any unverifiable or inaccurate account must be deleted or corrected promptly. 

I am requesting a formal reinvestigation and immediate removal of all disputed, inaccurate, or unverifiable information from my credit report. The continued reporting of false or unverified data is damaging my credit reputation and causing ongoing 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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-11-04 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: FL

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus approximately 30 days ago. To date, I have not received any response, which is a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus approximately 30 days ago. To date, I have not received any response, which is a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
XXXX Account XXXX Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Radis , Global Solutions LLC , I recently received a debt collection notice from your office. I am writing to verify that you contacted the correct individual and request that you provide documentation confirming this. Please supply me with the contract or agreement signed with your company or original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : XXXX. The name and the address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX.Documentation showing the assignment of the debt from the original creditor to secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount. and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors. I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 
Thank you for Your Attention 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus. To date, I have not received any response, which constitutes a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus. To date, I have not received any response, which constitutes a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I asked for a legal document that list how I owed the debt and they sent me paperwork that said the debt was over XXXX and can not be collected, but they still listed it on my credit report. I also found out that this company has no legal right to solicit in XXXX XXXXXXXX where I live.

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: Experian Information Solutions Inc.
State: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
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: Portfolio Recovery Associates, LLC
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 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: Experian Information Solutions Inc.
State: CA

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 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 status incorrect
Company: EQUIFAX, INC.
State: CA

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 2025-11-04 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: NV

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains multiple inaccurate and unverified accounts that are seriously affecting my credit standing. I have noticed several wrong addresses reported under my profile including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of which belong to me. In addition, my report lists multiple accounts that are either reported incorrectly or that I have no knowledge of. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} showing a false late payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed : {$610.00} reported as a charge off that I do not recognize ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} showing a charge off that I have no record of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} both reported with late payments that are incorrect ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} reported as a charge off that I have no knowledge of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} which appears as a collection account that does not belong to me ; XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} and XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} both reported as collection accounts I do not recognize ; XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} which is another collection I have no knowledge of ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} which is being reported inaccurately despite showing a XXXX balance. My report also lists an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX that I did not authorize or initiate. I have disputed these items directly with TransUnion, but they have failed to properly investigate and correct or delete these unverifiable entries. I am requesting the Consumer Financial Protection Bureau to review this matter and take appropriate action to ensure TransUnion complies with the Fair Credit Reporting Act and removes all inaccurate, unverified, and unauthorized information from my credit report immediately.

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