vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Im writing because theres an account showing on my credit report that is currently in pending litigation and it has no place being reported at this time.

Until the legal matter is fully resolved, this account is considered disputed and inaccurate, and it should not be impacting my credit profile. Reporting it while its still under litigation is not only misleading, its potentially damaging and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Please review this complaint thoroughly, as it was submitted with full intention and is not an error. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that do not belong to me. This issue is highly concerning and continues to cause undue stress and 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 2025-06-03 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been banking with Wells Fargo for 10 years. Over the years Wells Fargo has charged me excessive overdraft fees many times more than once for the same transaction. I have paid thousands of dollars for overdraft fees over the years, many times causing financial hardship and distress for myself. There have been numerous times that the financial institution has declined to refund or correct the over charged over draft fees. This has caused financial distress for me many many times. The charging of overdraft fees multiple times for the same transaction has cost me a great deal over the years.

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 2025-06-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my XXXX  credit report, despite my repeated efforts to have it removed and despite supporting documentation already provided. 

A fraudulent account was opened in my name without my authorization LVNV Funding LLC. I have submitted documentation to verify that this account was not opened by me, yet XXXX  continues to report it. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a dispute is submitted and to delete any information that can not be verified. 

Additionally, my XXXX  report includes accounts that have already been removed from my other credit reports ( XXXX XXXX XXXX XXXX, including a student loan account transferred by the XXXX XXXX XXXX to the XXXX. This account does not have a collection status, yet XXXX  inaccurately reports it as a collection, which is misleading and damaging to my credit profile. XXXX XXXX XXXX XXXX  days late was never late and has been removed by other credit reporting companies. 

These inaccuracies are significantly and unfairly affecting my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to compel XXXX  to : 1. Immediately remove the fraudulent account and all associated derogatory marks.

2. Correct the status of the student loan account that has been transferred and is no longer in collections.

3. Ensure full compliance with the Fair Credit Reporting Act and verify the accuracy of all items reported under my name. 

I have made every reasonable effort to resolve this directly with XXXX  but have not received appropriate relief. I respectfully request the CFPBs intervention in ensuring my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NCB Management Services Inc.
State: DE

Complaint narrative:
I am submitting this complaint because NCB Management Services , Inc. is reporting a collection account on my credit report that is both outdated and unverified. Also, they previously sent a letter stating that my info was assessed during a data breach. 

Despite prior disputes, NCB has failed to provide proper documentation or validation of the debt, such as : A signed contract or original agreement, A full itemized statement showing the origin and balance of the debt, Proof of legal ownership of the debt, The name and contact information of the original creditor.

I exercised my right to dispute this account and request verification under 15 U.S.C. 1692g ( b ) of the FDCPA and 15 U.S.C. 1681i of the FCRA. However, NCB has continued to report and/or collect on this account without providing validation as required by law.

Furthermore, the account appears to be beyond the statute of limitations for reporting and collection, making its continued presence on my credit report both unlawful and harmful.

NCB Managements actions represent clear violations of : FCRA 623 furnishing inaccurate or unverified information FCRA 611 / 1681i failure to conduct a proper reinvestigation FDCPA 809 ( b ) / 15 USC 1692g ( b ) continuing collection without debt verification This inaccurate and damaging information has impacted my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 was instructed to submit this complaint as a result of identity theft. 3 accounts with balances are being reporting to the bureaus that aren't connected to me. On XX/XX/year> a XXXX XXXX accounts began appearing on my report with a {$77.00} balance. On XX/XX/year> a XXXX account " XXXXXXXX XXXX XXXX  '' began reporting on my credit report with a {$93.00} balance. To finalize this claim the last account " XXXX XXXX XXXX '' was opened XX/XX/year> reporting {$470.00}. I have no prior knowledge of these accounts. I never opened these accounts myself.

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 2025-06-03 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: FL

Complaint narrative:
I was instructed to submit this complaint as a result of identity theft. 3 accounts with balances are being reporting to the bureaus that aren't connected to me. On XX/XX/year> a XXXX XXXX accounts began appearing on my report with a {$77.00} balance. On XX/XX/year> a XXXX account " XXXXXXXX XXXX XXXX  '' began reporting on my credit report with a {$93.00} balance. To finalize this claim the last account " XXXX XXXX XXXX '' was opened XX/XX/year> reporting {$470.00}. I have no prior knowledge of these accounts. I never opened these accounts myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXXXXXX 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 2025-06-03 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 HAVE exhausted ALL AVENUES TO RESOLVE AND DISPUTE FRAUDULENT ACCOUNTS, addresses, inquiries FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX data breach in XXXX, THAT led to the exposure Of my Customer information, including my name, social security numbers, and sensitive financial details, was accessed and downloaded. The accounts below ARE FRAUDULENT. 

XXXX XXXX XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Original balance {$54000.00} Personal loans Total balance : {$190.00} XXXX  XXXX LATE PAYMENT Balance {$84.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$28.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$83.00} Balance updated XX/XX/XXXX inquiries XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Balance {$340.00} Balance updated XX/XX/XXXX XXXX Credit usage 100 % Balance {$4100.00} XXXX XXXX XX/XX/XXXX Credit limit {$1500.00} XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX A Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DATA BREACH!!!! FRTAUDULENT

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 2025-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE exhausted ALL AVENUES TO RESOLVE AND DISPUTE FRAUDULENT ACCOUNTS, addresses, inquiries FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX data breach in XXXX, THAT led to the exposure Of my Customer information, including my name, social security numbers, and sensitive financial details, was accessed and downloaded. The accounts below ARE FRAUDULENT. 

XXXX XXXX XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Original balance {$54000.00} Personal loans Total balance : {$190.00} XXXX  XXXX LATE PAYMENT Balance {$84.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$28.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$83.00} Balance updated XX/XX/XXXX inquiries XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Balance {$340.00} Balance updated XX/XX/XXXX XXXX Credit usage 100 % Balance {$4100.00} XXXX XXXX XX/XX/XXXX Credit limit {$1500.00} XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX A Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DATA BREACH!!!! FRTAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Unauthorized companies have accessed my credit report, damaging both my credit and my score. I had reached out to your agency about this and was promised by a representative that these inquiries would be removed yet theyre still there. That broken promise is deeply troubling. 
The fact that these possibly fraudulent inquiries remain is alarming and suggests a real risk of identity theft. This ongoing issue is taking a serious toll on me, both emotionally and financially. Im urgently asking that you investigate this matter immediately and remove all unauthorized inquiries from my credit report without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-03 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: GA

Complaint narrative:
TransUnion and XXXX  are reporting a late payment on my credit file for the account XXXX, with the account number ending in XXXXXXXX XXXX XXXX XXXX XXXX The reported delinquency is dated XX/XX/year>, and the current balance and past due amount are listed as {$0.00}. I am disputing the accuracy and continued reporting of this late payment record, as it appears to be outdated, unverified, and potentially misleading in the context of my current financial status. Since the account reflects no outstanding balance or past-due amount, the presence of this derogatory payment history serves no valid consumer protection or risk assessment purpose and may unfairly impact my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, both credit bureaus are obligated to ensure that information reported is accurate, complete, and verifiable. If an account is closed or fully resolved
with no delinquency balance, the continued reporting of past payment irregularitiesespecially ones over five years oldmust be substantiated by original payment records and verified in a timely and reasonable manner. I believe this entry may no longer meet the standard of relevance and accuracy required under federal law and may even be a result of data retention beyond reasonable reporting guidelines.

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 2025-06-03 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-03 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: OK

Complaint narrative:
There are three charge-off accounts currently being reported on my credit reports by all three major credit reporting agenciesExperian, XXXX XXXX XXXX I believe are either inaccurate, incomplete, or improperly verified. These accounts include : XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX  reported as charged off on XX/XX/XXXX, with a balance of {$3000.00} XXXX XXXX XXXXcount ending in XXXXXXXX XXXX XXXX XXXX XXXX reported as charged off on XX/XX/XXXX, with a balance of {$1300.00} XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  reported as charged off on XX/XX/XXXX, with a balance of {$49.00} ( this account is specifically being reported by Equifax ) My concerns begin with the XXXX XXXX and XXXX XXXX entries. Despite multiple attempts to have these accounts validated or fully investigated, I have yet to receive any documentation that substantiates their accuracy. The Fair Credit Reporting Act ( FCRA ) mandates that any information furnished to credit reporting agencies must be accurate, complete, and verifiable ( 15 U.S.C. 1681i ). If a consumer disputes an account, the credit bureau is obligated to perform a good-faith reinvestigation. Based on the lack of transparent verification and the continued reporting of these derogatory entries, I do not believe a thorough or fair reinvestigation has taken place. 

Given the significant financial and emotional impact these accounts have on my creditworthiness, and given the ongoing issues surrounding verification and accuracy, I respectfully request a full investigation that meets the standards of thoroughness and transparency required under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation