vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
Experian Credit reporting agency is a fowl player as it relates to reporting correct information concerning a consumer. Dispute report number XXXX results came back on XX/XX/XXXX without any authorized attachments of the disputed documents requested.

1. I requested for Experian to send me proof of payment and verifications from XXXX XXXX with the attached card number or banking information that I allegedly utilized as a from of payment on XX/XX/XXXX. Experian failed to send me proof of payment. If I had proof of where the payment matriculated, I then would be able to prove that this account should no longer be reported and the reporting should end. It is inducing undue hardship in my line of business and defamation of character. Under Codes ( 15 usc 6802 and 1692cc ) 2. Experian is reporting a Bankruptcy that was supposedly dismissed in XXXX and refused to provide the original creditors information. I am told that this information is public, however, they fail to realize that this could have been fraud on my account.

3. Additionally, I am requesting for Experian to release the freeze on my credit. They were suppose to be protecting my account. They have created more undue hardship on this account all together and still fail to report proper address, even after i provided correct License information.

4. Additionally, companies that have my information in collections- all owe me a 1099-C form for written off debt. Experian refuses to consider this regulatory requirement.

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 2025-05-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing a complaint against Caine & Weiner regarding a debt settlement issue for their customer progressive and their refusal to provide a written agreement after reaching a verbal payment arrangement. 

On or around XX/XX/year>, I spoke with a representative named XXXX XXXX, who offered to settle my account for {$610.00}, reduced from the original balance of {$760.00}. I agreed and made a good faith payment of {$310.00} on XX/XX/XXXX. A second payment of {$300.00} is scheduled for XX/XX/year>. 

Since that time, I have made multiple attempts to get the agreed-upon settlement terms in writing specifically : The total agreed settlement amount of {$610.00} Confirmation that the debt will be marked as paid in full Confirmation that the debt will be deleted or updated with the credit bureaus, as discussed Despite calling XXXX since XX/XX/XXXX, I was told each time that they dont have that verbiage or cant provide anything until the account is paid in full. That is not standard practice and puts me at risk of paying the remainder with no written proof of the terms or any guarantee of how the debt will be reported. 

On XX/XX/year>, I called again and was transferred to another representative, only to be told the exact same thing. They don't have a portal to pay for the amt and only can debit it and their representatives continue to deflect or give vague responses. 

I have acted in good faith and made an initial payment. I will not continue making payments unless I receive a written agreement confirming the settlement terms, how it will be reported, and that the account will be considered resolved. 

Im requesting that Caine & Weiner be required to provide this documentation before collecting any more payments to my email of XXXX or to my home address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX {$390.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-07 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : WELLS FARGO CARD SERVICES Amount charged : {$7100.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/year>, I sent XXXX via XXXX to a XXXX XXXX . The money was to go to her nephew, XXXX XXXX, who I discovered later was scamming me. The money came out of my personal checking account. 

XXXX XXXX had told me he needed funds because he was in XXXX, XXXX, directing the work of a new pipeline. He told me his personal bank account had been hacked and he was trying to raise money to return to the U.S. to straighten things out.

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 2025-05-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraud accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my lifeXXXX XXXX XXXX XXXX XXXX, {$260.00} anyone can acess and use these cards with my breached information XXXX XXXX I DID NOT GIVE PERMISSION FOR XXXX XXXX XXXX XXXX XXXX XXXX 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/year> ACESS TO INQUIRY PLEASE REMOVE THESE IMMEDIATELY XXXX XXXX this is detrimental to my lively hood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Hello, thank you for assisting me I recently reviewed my credit report and noticed accounts that are not reporting accurately. It shows I had a late payment on an account that I was in fact Paid on Time. The consumer reporting agencies need to report all information with complete accuracy and this have been impacting me greatly. This account for XXXX account # XXXX has Not been Late on payments and I've attached a the dates XX/XX/year> and XX/XX/year> showing the inaccurate late. 
I demand this payment be updated to On Time Paid as Agreed immediately you can not report information with knowledge that this information has errors. I have substantial doubts the accuracy of the information when I spoke with XXXX and they had no knowledge my account being late. Please update this account to On time paid as agreed and never late.

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 2025-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, thank you for assisting me I recently reviewed my credit report and noticed accounts that are not reporting accurately. It shows I had a late payment on an account that I was in fact Paid on Time. The consumer reporting agencies need to report all information with complete accuracy and this have been impacting me greatly. This account for XXXX account # XXXX has Not been Late on payments and I've attached a the dates XX/XX/year> and XX/XX/year> showing the inaccurate late. 
I demand this payment be updated to On Time Paid as Agreed immediately you can not report information with knowledge that this information has errors. I have substantial doubts the accuracy of the information when I spoke with XXXX and they had no knowledge my account being late. Please update this account to On time paid as agreed and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am filing this complaint because Experian is reporting a charge-off on my account with XXXX as of XX/XX/XXXX, despite the account clearly going into delinquency in XXXX, with XXXX late status showing by XX/XX/XXXX. This is a clear re-aging violation of the Fair Credit Reporting Act ( FCRA ) specifically sections 605 ( a ), 609 ( a ), and 611.

Experian closed my dispute without providing original creditor documentation to support the charge-off date. This is a failure of their duty to verify the accuracy and completeness of information before marking it as verified. 
I am demanding a full reinvestigation and formal explanation under FCRA guidelines, including the exact delinquency date used to calculate the charge-off timing. If Experian can not produce original documentation from the creditor to support this charge-off timing, I am requesting complete deletion of the tradeline. 
I am finally fighting back to correct years of damage caused by incorrect credit reporting. I expect this case to be escalated and handled with urgency and full compliance. Additionally, this account was included in my bankruptcy filing and was discharged, which should have stopped any future collection or negative reporting activity under federal bankruptcy law. Reporting a charge-off in 2024 after the bankruptcy is a direct violation of the discharge injunction and misrepresents the status of the debt. 
This account should not be reporting as active, charged off, or with any recent derogatory activity. If Experian or the furnisher can not provide proof that the account was excluded from the bankruptcy, it must be deleted immediately under FCRA 605 and applicable bankruptcy 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
Consumer complaint received 2025-05-07 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: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Medical Account Reporting XXXX Credit Bureau Dear Credit Bureau Representative and CFPB Officer, I am writing to formally inform you that Cherry Technologies INC has reported to XXXX XXXX XXXX Credit Bureaus that the medical account was sold/written off. However, I did not receive a copy of the 1099-C tax form, payment agreement and a written consent with my signature provided for this company to disclose any of my information. I am disputing the continued reporting of a medical account associated with Cherry Technologies INC on my XXXX credit report. On Monday, XX/XX/year>XXXX XXXX XXXX XXXX I received an email message from XXXX stating that this account will remain on my credit file and is still under investigation as reported by the data furnisher. Despite this notification, I have not received any written explanation or verification via mail as required under the Fair Credit Reporting Act ( FCRA ), nor any documentation substantiating the debt. 
This lack of transparency is deeply concerning, especially considering that the same account has been reported as " Closed '' by both XXXX XXXX XXXX XXXX XXXX continued reporting of this medical debt appears inconsistent and potentially inaccurate. 
Furthermore, I have not received a detailed itemization of the alleged medical debt, including services rendered, dates, and itemized charges. The failure to provide this information may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide verification of the debt upon request ( 15 U.S. Code 1692g ).

Additionally, if any medical information was shared with the credit reporting agency without my explicit authorization or proper redaction, this may also be a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA regulations mandate strict privacy protections for medical information, and sharing this data with credit bureaus without proper safeguards or consent is a serious breach. 
Given the discrepancies in reporting and the absence of a legally mandated debt validation, I formally request that Experian : 1. Provide written verification and full documentation of the Cherry Technologies INC debt.

2. Identify the data furnisher and provide evidence of my written consent to share any medical information with Experian.

3. Immediately remove the account from my credit report if proper validation can not be produced.

4. Provide a written response acknowledging your findings and actions taken. 
I believe my rights under both the FDCPA and HIPAA may have been violated. 
Thank you for your prompt attention to this matter. I expect a full and proper response within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX Central Portfolio Control sent me a text message stating who they are with a phone number to call and an agency ID to access info online. Five more text messages came through one in XXXX, two in XXXX, and one more in XXXX. All similar to previous messages. Prior to Central Portfolio Control calling me about an old debt from XXXX XXXX, XXXX XXXX XXXX had this debt and was also sending me messages however in their communication the messages noted the following The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX, XXXX can not sue you for it, and XXXX XXXX, XXXX can not report it to any credit reporting agency. Reply stop to opt-out. 
Central Portfolio Control failed to provide that notice. Or even just the notice about not being able to sue due to its age. Additionally, Central Portfolio Control never sent me written communication about this debt and only tried through text messaging. So the agency violated laws by not providing the required written disclosure, especially when they knew it was time barred. In virginia the limit is 3 years. And this account is beyond the 3 year limitation. Because of the lack of information I created a payment plan for this debt without knowing that it was time-barred because the agency failed to disclose it. Unfortunately now the collection has been reported to the credit bureaus and is impacting my credit. The debt is from an account I opened in XXXX however in TransUnion the account is showing as new as of XX/XX/XXXX. This is misleading as the account is supposed to report based on first delinquency date not when the debt was bought or transferred to Central Portfolio Control. In summary, Central Portfolio Control contacted me about a debt via text message only. They never sent me the required written validation notice within five days of contact, nor did they disclose that the debt was time-barred, even though it originated in XXXX and was past the 3-year statute of limitations in Virginia. I was misled into setting up a payment plan without being informed of my rights. This violates the FDCPA and CFPB Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax i requested the information name and account number you stated in CFPB that you did a investigation it was not reported but did not give me the name and account number i request name and account number through the CFPB, CFPB XXXX enclosed your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief