vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-16 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: TX

Complaint narrative:
Could you look this entry over? Its late and may not be 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 non-monetary relief
Consumer complaint received 2025-12-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/year> Via Certified Mail / Return Receipt Requested XXXX AMSHER COLLECTION SERVICES RE : Cease and Desist Unlawful Debt Collection Practices ( Florida ) To Whom It May Concern, This letter serves as formal notice that you are to cease and desist all communication with me immediately regarding the alleged debt you claim I owe.

I dispute this debt in its entirety. I do not acknowledge any obligation to your company. To date, you have failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Your continued attempts to contact me constitute harassment and unlawful collection activity in violation of both : FDCPA, 15 U.S.C. 1692c, 1692d, and 1692f, and Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, which prohibits abusive, deceptive, or harassing debt collection p
ractices.

Pursuant to these laws, you are hereby directed to : 1. Immediately cease all communication with me, including but not limited to phone calls, voicemails, text messages, emails, and written correspondence.

2. Remove my phone number ( s ), email address ( es ), and maili
ng address from your active collection systems.

3. Provide written confirmation that you have complied with this cease and desist request.

4. Refrain from reporting any information regarding this alleged debt to any consumer reporting agency, or immediately correct and delete any such reporting already made.

Be advised that any further contact from your companyother than written confirmation that collection efforts
have ceasedwill be documented and may result in complaints being filed with the Florida Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I also reserve the right to pursue civil remedies available under both federal and Florida law. 

This letter is not a refusal to pay, nor an acknowledgment of any debt. It is a demand that you comply with state and federal law. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have an open account with XXXX XXXX, account number ending in XXXX. This is for a charged off Best Buy credit card. I have consistently made minimum payments and this account is within good standing. 

On XX/XX/year>, I accepted a settlement offer through the companies website for 55 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 54 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 58 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 59 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I called XXXX XXXX XXXX and spoke with a representative who gave me XXXX different answers. First, the representative stated that the " XX/XX/year> charge was still in process ''. Second, she told me that " the payment was declined same day ''. When I asked the representative what happened to the other settlement agreements since XXXX, she did not have an answer. When I asked the representative who cancelled the payment, she said " she did not show why it was cancelled ''. I received XXXX very different conflicting stories. 

At this point, this company is still charging me the agreed upon monthly payment with no understanding or acknowledgement that I have accepted settlement offers for XXXX ( XXXX ) months in a row now.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am disputing the accuracy of the collection account reported by Hunter Warfield on my credit file. This account was reported in error and without proper notice, and the underlying balance is the result of creditor error currently under dispute.

I have attempted to resolve this matter directly with both the original creditor and the collection agency. The original creditor " XXXX XXXX XXXX XXXX had assured me that they had cancelled my balance and told Hunter Warfield to stop collection. Despite this, they had still marked my account as outstanding and reported my account to the credit bureau, which resulted in a highly negative impact to my credit score.

I request that this account be investigated immediately and deleted from my credit report, as the information being furnished is inaccurate and unverifiable. 

Please complete your investigation and provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 dont recognize these accounts and didnt create them. Id appreciate a full review and deletion. Ive added proof to back this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts listed on my credit reports. Please review these disputed items and correct the inaccuracies. The details of the disputed accounts are as follows : Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account : 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 2025-12-16 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: IL

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SD

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am not responsible for these accounts and request deletion within XXXX days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Yes so XX/XX/XXXX my XXXX  balance in my wells Fargo acct was XXXX bucks and I have been trying to get access to my acct XXXX XXXX are my cell numbers but wells Fargo is the bank dealing with my funds and I want to withdraw my money from branch or get a debit card linked to my acct and no accommodations have happened yet I feel like my money is being held from me and request that someone contact me regarding my funds as I need to purchase a new car 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am submitting this complaint as a consumer who has identified inaccurate and questionable information on my TransUnion credit report while attempting to repair my credit history. 

* * Charged-Off Accounts in Dispute ( TransUnion ) XXXX * * * XXXX XXXX XXXX Account XXXX XXXX * XXXX XXXX  XXXX Account # XXXX * XXXX  XXXX Account # XXXX * XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX * XXXX XXXX Account # XXXX These accounts appear to have inconsistencies in balances, dates, or reporting status when compared with other credit bureaus. I am requesting full verification of these accounts and correction or removal of any information that can not be substantiated. 

* * Late Payment Reporting in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I do not recall authorizing these inquiries and am requesting TransUnion to verify permissible purpose or remove them if they can not be validated. 

I am respectfully requesting that TransUnion conduct a complete investigation and ensure that my credit report only reflects accurate, complete, and verifiable information as required by 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 2025-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on USSA ( 5798 ) XXXX XXXX XXXX all reporting different account status under the fair credit act this is improper to report inaccurate information on one 's credit report. that I believe is inaccurate. The account holder has Maintained on-time payments and have sent in documentation showing that these payments were not late it was a billing issue on your part. I'm requesting a full investigation and verity if unable to provide sufficient evidence these late payments must be remove or account deleted for reporting improper reporting under the fair credit act.

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