vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
My repeated efforts to correct and remove false information from my credit report have been consistently ignored or denied. As a consumer, Im fully aware of my rights under the law, and the inaccurate reporting currently reflected on my credit file violates the requirement for maximum possible accuracy. 

These errors are not just numbersthey are causing real harm to my credit score and creating unnecessary obstacles in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccurate and unverified collection accounts currently reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consistent with prior CFPB enforcement actions against your agencies for deceptive and unlawful reporting practices. 



The accounts in question include : XXXX XXXX XXXX XXXX {$2100.00} please remove XXXX XXXX XXXX {$500.00} please remove XXXX XXXX XXXX {$840.00} please remove XXXX XXXX  {$600.00} please remove XXXXXXXX XXXX XXXX  {$1500.00} please remove XXXX XXXX XXXX Charged off : {$440.00} ( reported as {$0.00} balance ) please remove These entries are being reported as potentially negative and collection accounts with no valid documentation or proper validation provided in accordance with 15 U.S.C. 1692g and 15 U.S.C. 1681i ( a ) ( 1 ). 



Grounds for Removal : No written notice of validation has ever been provided as required under 15 U.S.C. 1692g ( a ).

Re-reporting and updating negative entries without reinvestigation violate 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to ensure the accuracy and completeness of the reported data is a direct breach of 15 U.S.C. 1681e ( b ).

The Consumer Financial Protection Bureau ( CFPB ) has filed multiple enforcement actions against all three credit bureaus for not maintaining reasonable procedures and continuing to report unverifiable debts.

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 2025-07-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed a dispute with the bank once I noticed there were unauthorized transactions on my account I waited about 9 business days for it to be closed with no refund no explanation or anything

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: OR

Complaint narrative:
Over the past year, this company has repeatedly contacted me via cell phone multiple times a day and throughout the week, all without leaving a message and/or identifying information. I have contacted them directly numerous times and am repeatedly provided with a " XXXX XXXX XXXX '' and a " Reference Number '' for my " personal account '', none of which allow me to access their portal to make payments for this debt. While on the phone with their agents today, XXXX, the agent herself was unable to gain access to THEIR OWN PORTAL with the numbers they have repeatedly provided to me. The agent then asked me to supply her with my bank account and/or credit card information so she could take my payments over the phone because, " that's really the only way we can do this right now ''. These tactics are unscrupulous and appear to be dishonest and unethical and possibly illegal. All of which I stated on a recorded line. I requested to speak with a Supervisor and was told, " they don't do that ''. I asked them to send me an email with the information I need to pay this debt and was again told, " they don't do that ''. I asked the agent to confirm my mailing address and email address, which she did. I then asked her to send me a letter via the postal service with the information I need to include account and reference numbers ( that actually work ) so that I can access the portal and was told, " I'll see if we can do that ''. 
The agent made multiple attempts to get the Supervisor on the phone during the call, but he declined. The agent was communicating with the Supervisor via chat the entirety of our conversation but the Supervisor refused to join the call.

I then contacted the medical group where the debt originated directly by phone, and left a detailed message regarding the issues with the debt collection agency and provided a full history of the ongoing issues and the agency 's tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MS

Complaint narrative:
I dispute 15 charges with my bank XXXX XXXX Claim # XXXX  Transaction dates XX/XX/year> {$20.00} XX/XX/year> {$25.00} XX/XX/year> {$20.00} XX/XX/year>XXXX  {$30.00} XX/XX/year> {$10.00} XX/XX/year> {$20.00} XX/XX/year> {$150.00} XX/XX/year> {$70.00} XX/XX/year> {$20.00} XX/XX/year> {$140.00} XX/XX/year> {$220.00} XX/XX/year> {$65.00} XX/XX/year> {$160.00} XX/XX/year> {$80.00} XX/XX/year> {$50.00} Transactions are fraudulent and the account was closed these charges was dispute on XX/XX/year>XXXX  and I was supposed to receive an update on XX/XX/year> my claim wasn't investigated and in 30 business days I didn't receive a provisional credit but my claim was denied on the XXXX business days

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccurate and unverified collection accounts currently reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consistent with prior CFPB enforcement actions against your agencies for deceptive and unlawful reporting practices. 



The accounts in question include : XXXX XXXX XXXX XXXX {$2100.00} please remove XXXX XXXX XXXX {$500.00} please remove XXXX XXXX XXXX {$840.00} please remove XXXX XXXX  {$600.00} please remove XXXXXXXX XXXX XXXX {$1500.00} please remove XXXX XXXX XXXX Charged off : {$440.00} ( reported as {$0.00} balance ) please remove These entries are being reported as potentially negative and collection accounts with no valid documentation or proper validation provided in accordance with 15 U.S.C. 1692g and 15 U.S.C. 1681i ( a ) ( 1 ). 



Grounds for Removal : No written notice of validation has ever been provided as required under 15 U.S.C. 1692g ( a ).

Re-reporting and updating negative entries without reinvestigation violate 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to ensure the accuracy and completeness of the reported data is a direct breach of 15 U.S.C. 1681e ( b ).

The Consumer Financial Protection Bureau ( CFPB ) has filed multiple enforcement actions against all three credit bureaus for not maintaining reasonable procedures and continuing to report unverifiable debts

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 2025-07-07 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems Inc. Collection Agency is claiming I owe them a debt, when I asked them to send me a copy of a legally binding contract between myself and them, they threatened me, saying they would take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00}

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 2025-07-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a formal dispute on XX/XX/year>, to the credit bureaus requesting permanent deletion of inaccurate, outdated, and unverifiable accounts under FCRA 609 ( a ), 611 ( a ), 623 ( b ), 605 ( a ), 607 ( b ), and 605 ( c ). 

These accounts included : XXXX XXXX XXXX XXXX Two duplicate accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite specific FCRA violations outlined in my dispute and a legal request for Method of Verification under 611 ( a ) ( 7 ), the bureaus either falsely marked accounts as " verified '' or left them in " active dispute '' with no evidence provided. 

This is a violation of my rights under the FCRA. I am requesting CFPB action to force the credit bureaus to provide the required documentation or delete these accounts immediately. Continued reporting without verification is illegal. 

I'm requesting a full investigation and permanent deletion of all accounts that remain unverifiable or inaccurate. CFPB case # 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 non-monetary relief
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am filing this formal complaint against TransUnion for continuing to report inaccurate, outdated, and unverifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

Despite my previous disputes, TransUnion has failed to conduct a reasonable investigation and continues to report multiple inaccurate items : Wrong Address Reporting : TransUnion is listing XXXX XXXX XXXX XXXX XXXX, VA XXXX on my file, which is not connected to me. This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bureau to maintain maximum possible accuracy. 

Inaccurate Late Payments : Several accounts including XXXX XXXX, XXXX, XXXX XXXX, and XXXX are falsely reporting late payments that I did not make. These are inaccurate and unverified derogatory marks causing unfair damage to my credit score. 

Unverified Charge-Off Accounts : Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX are being reported as charge-offs, yet they are outdated, settled, or not mine. These should have been removed per FCRA 605 ( a ) and 1681i. 

Unauthorized Collection Account : XXXX XXXX XXXX account allegedly from XXXX is being reported without my consent or verification, violating both the FCRA and the FDCPA 807 regarding false or misleading information. 

Duplicate Reporting : The XXXX XXXX account is listed twice with the same opening date, which is misleading and confusing, and violates FCRA requirements of clarity and accuracy. 

Unauthorized Hard Inquiries : TransUnion is reporting hard inquiries from XXXX XXXX on XX/XX/XXXXXXXX  and XX/XX/XXXX that I did not authorize. This is a violation of FCRA 604 ( a ), which limits who can access my credit report. 

TransUnion has demonstrated gross negligence in failing to maintain accurate credit reporting and reinvestigate disputed information. I am requesting the CFPB to investigate this matter thoroughly and ensure that TransUnion is held accountable. I am demanding full deletion of all disputed items, a corrected copy of my credit report, and assurances that future violations will not occur. 

Relief Sought : Immediate deletion of the inaccurate address Removal of all unverifiable late payments Deletion of outdated or duplicated charge-offs Removal of unauthorized collection account Removal of all unauthorized inquiries Written confirmation of the changes and an updated credit report I am attaching a copy of my dispute letter to TransUnion and supporting documents. Please take action against TransUnion for their ongoing noncompliance.

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