vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To EXPERIAN, TRANSUNION XXXX & EQUIFAX I am submitting this formal request for account verification and validation of reporting authority in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g and 1681i, and related consumer protection laws. 
FOR ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  -DISCHARGED XXXX BANKRUPTCY3 As the consumer , I am invoking my right to full verification of all accounts listed on my credit report, and I demand validation of your legal right to collect and report these accounts. Additionally, I am requesting a copy of the Flow Agreement or contractual agreement between your agency and the original creditor, which grants permission to report this information to the consumer reporting agencies ( CRAs ).

My requests include, but are not limited to : Verification of each tradeline associated with my name and Social Security number.

Name and address of each data furnisher or creditor, including the original creditor ( if the debt was sold or transferred ).

A signed contract or application, bearing my signature, that initiated the account.

A complete copy of the Flow Agreement or Service Level Agreement ( SLA ) between you and the original creditor, showing your authority to collect or report the account under FCRA and XXXX XXXX guidelines. 

Immediate removal of any account that can not be properly verified under federal law.

Legal Basis : FCRA 609 ( a ) ( 1 ) You must disclose all information in the consumers file at the time of request.

FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation of disputed information.

FCRA 602 ( A ) Consumer credit reporting must be fair and accurate, with maximum accuracy of information.

FDCPA 809 ( b ) Debt collectors must validate debts upon request. 

XXXX XXXX Compliance Guidelines Data furnishers must have permissible purpose and documentation to report.

Response Required : Please provide all requested documentation and confirmation within 30 calendar days, as required under federal law. If you are unable to verify or validate any of the accounts or reporting authority, you must remove the item ( s ) from my credit report immediately.

Enclosed are my identification documents and proof of address to validate my identity.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian, Equifax, and TransUnion, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile.

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness.

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations.

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America , N.A . 
Collections/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Proof of Late Payment Removal of Inaccurate Charge-Off Dear Sir or Madam : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am formally disputing the information you have furnished to the credit reporting agencies in connection with account numbers 3839 and 3719, reported as charged-off.

Reason for the dispute : According to 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late, nor apply associated consequences ( such as negative reporting ), unless : I was sent a periodic billing statement ; Such statement included the information required under 1637 ( b ) ; The statement was sent or delivered ; And it was provided at least 21 days before the due date.

Therefore, I demand verifiable proof that you complied with each of these statutory requirements before reporting any payment as late and, consequently, before classifying the accounts as charged-off.

Additionally, under 15 U.S.C. 1681s2 ( a ) ( 7 ), if you reported negative information ( such as late payments ), you were required to notify me in writing within 30 days of the reporting. I also demand a certified copy of such notice. 

Furthermore, on XX/XX/year>, I requested IRS Form 1099-C, which is required when a debt of {$600.00} or more is cancelled. To date, Bank of America has failed to provide this form, raising further doubts about the accuracy and legality of your reporting.

Without such proof, the reporting of my accounts as charged-off lacks legal foundation and constitutes a direct violation of federal law. Such information is inaccurate, misleading, and damaging, and must be removed from all reports furnished to the credit bureaus immediately.

I hereby demand that Bank of America : Provide me in writing with documentary evidence supporting the legality of the late payment reporting ( billing statements, mailing date, proof of receipt ).

Comply with each of these requests without exception ; failure to provide any one of them renders your reporting invalid.

A credit bureau report or a copy of the same inaccurate tradeline will not be accepted as proof of validation.

Immediately remove any reference to the charge-off if you can not legally substantiate the alleged delinquency.

Notify me in writing within the 30-day statutory period as required under 15 U.S.C. 1681i ( a ).

In the absence of an adequate response, I reserve the right to file complaints with the CFPB, FTC, State Attorney General, and to pursue legal action in Small Claims Court for damages resulting from inaccurate reporting and violations of my consumer rights.

Sincerely,

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 2025-09-11 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX # XXXX  -Balance {$490.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$4500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$3900.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX -Balance {$23000.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$3500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$800.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
I have been disputing two fraudulent accounts ( XXXX XXXX and XXXX XXXX  ) with Experian and XXXX  for over four months. Despite my repeated disputes and the evidence provided, they continue to refuse to block and permanently remove these fraudulent accounts from my credit report. Instead, they have conducted sham investigations and returned automated responses falsely claiming the accounts were verified and updated. These actions demonstrate bad faith and a failure to conduct a reasonable reinvestigation as required by law. 

Both Experian and XXXX  have previously removed these accounts, only to later reinsert them illegally, again marking them as verified. I have demanded proof of verification, yet you have completely ignored my requests, in violation of 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the procedure used to determine the accuracy of disputed information.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), when a consumer notifies a consumer reporting agency that information in their file is the result of identity theft, the agency is legally required to block reporting of that information within 4 business days of receiving proper notice and documentation. I have made such notifications and yet they continue to willfully report these fraudulent accounts, in violation of federal law. Reinsertion of previously deleted fraudulent accounts without proper certification from the furnisher and without notice to me also violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

By failing to block and remove these fraudulent accounts, they are in direct violation of the Fair Credit Reporting Act, including but not limited to 605B, 611, and 623. Your continued reporting of these fraudulent accounts has caused me significant harm and XXXX, and you are now on notice that if immediate action is not taken to permanently delete and block the XXXX XXXX and XXXX XXXX  accounts, I will pursue all available legal remedies against you, including filing complaints with the State Attorney General, as well as pursuing damages in federal court. 

This is my final warning. Remove these fraudulent accounts and provide written confirmation of compliance within 10 days of receipt of this letter.

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 2025-09-11 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: CA

Complaint narrative:
I identified and disputed accounts on my TransUnion credit report that are not mine. These accounts are the result of identity theft. I submitted a formal Identity Theft Report as evidence with my disputes. However, TransUnion failed to properly handle my disputes and continues to report these fraudulent accounts, which is inaccurate and damaging to my credit.

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 2025-09-11 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I am filing a complaint against Hyundai Capital America ( XXXX ) regarding my auto loan account and the way it has been reported to the credit bureaus. 

On XX/XX/scrub> 2024, I contacted XXXX regarding my vehicle. XXXX claims that I voluntarily surrendered my car. However, I was not provided the legally required documents in a timely manner, including : Right to XXXX Notice Notice of IntenXXXX to Sell Explanation of Deficiency Balance I only received documentation after the vehicle was already in XXXX  possession, and I dispute that this qualifies as proper notice under applicable consumer protection laws. 

The vehicle was later sold at auction, and XXXX claims a deficiency balance remains. I dispute this balance because : 1. I was not given a fair opportunity to cure the delinquency. 
2. I did not receive timely and proper documentation before the auction.

3. I have not received sufficient proof that the auction sale was conducted in a commercially reasonable manner. 

Despite these issues, XXXX continues to report this account to the credit bureaus as accurate. I believe this reporting is inaccurate, incomplete, and misleading, which is a violation of the Fair Credit Reporting Act ( FCRA ) and possibly state laws regarding repossession and deficiency balances. 

Requested Resolution : I am requesting that the CFPB investigate this matter. 
I request that XXXX provide proof of all required notices and documentation. 
I request correction or deletion of this account from my credit reports if XXXX can not provide sufficient evidence of compliance. 
I request clarification of the alleged deficiency balance and validation of the debt.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/scrub>XXXX  2024, I went to Wells Fargo to discuss my father 's intentions and XXXX XXXX XXXX, I believe her name is, did not want to discuss anything with me. I had my birth certificate and real ID. I wrote a letter on XXXX2024 for a Wells Fargo Survey. My father introduced me to this particular banker, XXXX XXXX beforehand and she should have remembered because my father used that teller and bank branch continually. She counted out some bonds one day as my father and I sat there before her. 
XXXX XXXX had no knowledge of my father 's intention and neither did she want to know that his Wells Fargo account was intended to be my account as financial assistance, after his death. He explicitly described that I legally had his authority to write every need that I need. I also had a Video which was later transcribed and legally notarized. She denied me my legal rights as that Wells Fargo Branch on XXXX XXXX falsely withheld and froze the account which was intended as my inheritance. The case cases continued into case # 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 2025-09-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Nelnet Servicing , LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Despite multiple written requests for debt validation and documentation, Nelnet has refused to provide competent evidence of my legal obligation to pay the alleged student loan ( s ). Instead, Nelnet continues to furnish unverifiable and incomplete information to consumer reporting agencies, which is a direct violation of my consumer rights.

Details of Violation : 1. Failure to Provide Validation ( FDCPA, 15 U.S.C. 1692g ( b ) ) I requested, in writing, a copy of the original promissory note with my wet signature, an accounting of the alleged debt, and the chain of title/ownership. Nelnet failed to provide this information, yet continues collection activity.

2. Failure to Conduct Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ) After disputing the account with the credit reporting agencies, Nelnet merely updated 'historical trended data ' but did not provide supporting documentation. This does not constitute a reasonable investigation as required by law.

3. Furnishing Inaccurate/Unverifiable Information ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Nelnet continues to report this account without substantiating its accuracy or validity. Furnishing unverified debt information is prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
well i filed bankruptcy in 2023 a lot of items was in the bankruptcy but the credit bureaus is still reporting a balance. Also, it several inquiries that are not mine that i do not recognize my personal information on my report is incorrect such as my name employee address and phone number. It is also items on my report that i have disputed months ago which are still flag which need to be remove. Several account which are duplicate account which need to be remove are updated.

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