vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 am disputing inaccurate information being reported on my Equifax credit report. I am a consumer actively working to repair my credit and have noticed the following issues that need correction : XXXX XXXX Accounts : None listed, but I request a full verification of any accounts reported as charged off. 

Inquiries : XXXX, dated XX/XX/year> I do not recall authorizing this inquiry. Please provide documentation proving my consent or remove it from my report. 

Late Payments : XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these reported late payments. If Equifax can not confirm their accuracy with proper documentation from the original creditor, I request they be deleted immediately. 

Please update my credit report to reflect only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my TransUnion credit report. 

Charged-Off Account XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/2023, balance {$16000.00} ) This account is being reported as charged off, but I dispute the accuracy of the balance, charge-off status, and reporting details. I am requesting TransUnion verify this account and remove it if it can not be properly validated. 

Late Payment Reporting I am disputing the accuracy of late payments reported on the following accounts : 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  These late payments may be inaccurate, duplicated, or not reflective of my actual payment history. I am requesting TransUnion review and correct or remove any late payments that can not be verified as accurate.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: KY

Complaint narrative:
I set up a payment for XX/XX/XXXX for {$580.00} for my loan. They said to make that payment and then we could push the remaining past due to the back end of the loan but even though it showed I had payment confirmation they had blocked my billing account to where my payment would never go through. Now Im facing repossession and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AR

Complaint narrative:
I am disputing inaccurate and incomplete information appearing on my TransUnion credit report. 

Charged-Off Accounts XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ARKANSAS XXXX Acct XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) These accounts appear inaccurately reported, possibly obsolete, and lacking proper verification. Please provide documentation validating accuracy or delete them. 

Late Payment Reporting XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( reported twice ) Duplicated late payments are inflating negative impact and must be corrected or removed. 

Credit Inquiries The following inquiries are disputed due to lack of clear authorization or permissible purpose : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-12-28 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-28 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: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an issue with my debit card being added to my XXXX wallet. I called the bank and was able to get it back into my XXXX wallet. Later that day XX/XX/year> I received a text WELLS FARGO-Prevention {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account/Reply V-For Valid or F-For Fraud ; TXT STOP to End.Txt HELP for Support.Msg & Data Rates May Apply And then A phone call. I answered the phone and said That this was a scam. He reassured me that it was not and said they do not ask for personal information. 
I am writing to formally dispute and report a fraudulent transaction and to request full reimbursement of the funds lost due to a scam. 

On XX/XX/year>, I was contacted by an individual who falsely represented themselves as a representative of Wells Fargo. The individual stated that my account had been compromised and that immediate action was required to secure my funds. Under this false pretense, I was manipulated into following instructions that I later learned were part of a fraudulent scheme. 

At no point did I knowingly authorize or intend to send funds to a scammer. I was acting under the belief that I was communicating with a legitimate financial institution and taking necessary steps to protect my account. This transaction was the result of social engineering and impersonation, not negligence or intentional authorization on my part. 

Once I realized the transaction was fraudulent, I reported it immediately. I have cooperated fully and provided all requested documentation and details to support my claim. 

Under consumer protection laws and electronic funds transfer regulations, I am disputing this transaction as unauthorized and fraudulently induced. I respectfully request that this complaint be forwarded appropriately and that the full amount of {$3500.00} be reimbursed to my account. I filed a police report on XX/XX/year>

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 2025-12-28 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 am filing this complaint to formally dispute inaccurate, incomplete, and unverified information that Equifax is reporting on my consumer credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Equifax is required to ensure maximum possible accuracy and to report only information that has been properly verified. 

Charged-Off Account Dispute XXXX XXXX  XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2600.00} ) This account is being reported as charged off without proper verification and without sufficient documentation showing the accuracy, completeness, and legal basis of the reporting. I dispute the validity of this charge-off and demand Equifax either provide full proof of verification or delete this account immediately. 

Unauthorized / Unverified Inquiry XXXX XX/XX/XXXX I did not authorize this inquiry, nor did I apply for credit with this entity. This inquiry lacks permissible purpose under the FCRA and must be removed unless Equifax can provide written proof of authorization. 

Late Payment Disputes XXXX  XXXX Account # XXXX XXXX  XXXX Bank Account # XXXX XXXX  XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I opened up a Credit Karma Spend account XXXX of XXXX. I started using it to receive my work checks for about 2 months. I stopped using it for a while so there were no longer any checks being deposited into the account. As of XX/XX/year>, I decided to deposit about {$1600.00} into this Credit Karma Spend account. I needed this money for rent ; I used the instant transfer feature to move this money to a separate account. Everything worked fine and I did not receive any notices or emails from Credit Karma that they detected fraud. A month later I deposit another {$760.00} from my main bank account into this credit karma account. I then realize that my account is actually frozen, so this money I deposited into the spend account was not able to be accessed or withdrawn in any way. I really needed that XXXX again for rent. I contacted Credit Karma Support on XX/XX/XXXX ; they let me know that this issue could take 24-72 hours to be resolved, and my account needs to be reviewed by their resolution team. I waited the 3 business days and gave support another call. They had me verify my identity by submitting a selfie, along with submitting a photo of the front and back of my driver 's license. On this second phone call they told me again that this process will take another 24-72 hours. I called a 3rd time to check on the status of the resolution team, and the agent told me my account is frozen because I was now waiting on a new debit card. After that phone call I got an email that said my account was " locked '' which I never was notified of this until after that phone call. I called about 4 more times for a total of 7 live calls. It has now been 26 days of this money being held/frozen within my credit karma account. I verified my identity with a selfie two separate times now and still waiting to hear back from credit karma. Soon I will be evicted for not paying rent on time, it does not seem like credit karma is trying to resolve my issue. It should not take them 27 days to unfreeze an account that has only had money deposited in from external accounts. I feel like they are just holding on to my money. I need this money for rent and would like a resolution as soon as possible ; it has been far too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-12-28 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:
On XX/XX/year>, I attempted to deposit a check via Wells Fargo mobile deposit. The check was dated XX/XX/year>. The deposit showed as pending but never posted to my account. I contacted Wells Fargo and was told the funds would be available by XX/XX/XXXX. 

XX/XX/XXXX, the funds were still not available. I went to my branch and the bank teller instructed me to call customer service to ask if my check can still be negotiated. The customer service agent instructed me to just cash the check again. 
I did what they instructed and the funds were available. Immediately after they reversed the deposit and put a hold on check amount again. 
Next day I woke up and checked my account and they put another hold on {$910.00} from my own balance, not connected with this check deposit. 
So now I have {$1800.00} missing out of my account. Balance went to {$640.00}. They told me the back end will sort this out and the funds will be available XX/XX/XXXX. 

This resulted in a loss of access to my money and conflicting information from bank representatives. I am requesting a full correction, written explanation of the holds, and confirmation that no duplicate holds were applied. They need to make sure XXXX not charge a fee for my account going under {$1200.00}. And explain how they had authorization to take money out of my account that had nothing to do with the deposit. If it was a double deposit it was on them because thats what they instructed me to do.

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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I disputed post-tenancy charges assessed by the original creditor related to alleged flooring damage and cleaning. Prior to move-out, I notified the creditor multiple times of a flooring issue and was informed in writing on or about XX/XX/XXXX that no charges would apply if the issue was not caused by tenant misuse. 

Despite this, the creditor issued a final account statement dated XX/XX/XXXX assessing approximately {$300.00} for flooring damage, later adding additional cleaning charges not included in the original statement. Between XXXX and XX/XX/XXXX, I repeatedly requested proof that any damage existed and that it was caused by tenant misuse. The creditor did not timely provide substantiation. 

In XX/XX/XXXX, the account was referred to a third-party debt collector while the dispute remained unresolved. I disputed the debt with the collector and requested validation. In response, the collector provided invoices, photos, and lease excerpts. The photos do not show flooring damage or cleaning beyond normal wear, and the invoices alone do not establish tenant responsibility or misuse. 

Despite the unresolved dispute and inadequate validation, collection activity proceeded. To avoid potential credit reporting and further harm, I paid the balance plus interest in late XXXX XXXX. Payment was made to mitigate harm and was not an admission of liability. 

The documentation relied upon by the collector consisted of invoices and photos provided by the creditor that did not establish tenant misuse or liability, and reliance on such creditor-provided materials alone did not constitute meaningful debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I have been working with the XXXX XXXX XXXX XXXX XXXX Represenative XXXX XXXX on the issue since XX/XX/year> after filing a report with CFPB in XX/XX/year>. She acknowledges there mistakes and said she was going to fix it. As per her the company 's credit department have sent over letters to the credit bureaus to fix the issue with the negative reporting. Transunion had taken it off, but the put it back on with longer late payments 120 days dropping my score XXXX and keep coming back verified, Equifax is constantly coming back verified and I am also disputing with the letters that was given to me by XXXX XXXX XXXX XXXX XXXX XXXX Please contact The Bureaus to see why does this keep happening and ruining my credit. according to the 15 USC 1666bThank you

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 2025-12-28 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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