vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain accounts still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Attorneys USA LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I received an email from Collection Attorneys USA LLC informing me that my account with XXXX had been sent to them. I stated to the representative that I was unaware my account was sold and I was having issues with getting a response from the original creditor. The representative laughed on the phone call and told me every one is saying that. In a rude way I was told to either pay the balance or the attorneys would contact me in XXXX hours. I called Collection Attorneys again on XX/XX/XXXX and spoke with someone. I requested to have a validation of debt and license to collect in my state mailed to me. Again the representative was talking over me and stated it was sent by email, she began to talk rudely and threatened to have the attorneys contact me in XXXX hours and disconnected the call. I called for the third time and again requested a validation of debt and license to collect in my state, the representative told me he did not have that type of information, hes just there to collect, never verified my identity but called out my name on the phone. He proceeded again with threats that an attorney would contact me and stated that was I was 40 days late on my account. After I tried to request the documents be sent to me by mail, the representative became rude and disconnected the call. My final payment was due on XX/XX/XXXX to the original creditor and the original creditor failed to communicate. I never received notification of my account being sold. I was wrongfully threatened after requesting a written documentation of my validation of debt. I was denied my rights to know what I owe before consenting to payments. I have sent by mail a request for validation of debt and license to collect and I also have the calls recorded for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
The time line of the repossession and charge off are incorrect and change after they have filed a lawsuit for loan repayment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Student loan tradeline on XXXX demand deletion or proof I am requesting assistance to remove a student loan tradeline ( s ) from my XXXX XXXX XXXX credit reports. I have disputed these tradelines multiple times with the bureaus. Each time the bureau responded that the furnisher certified the information. Certification is not the same as verified documentation. 

I want the account ( s ) deleted from my credit reports unless the furnisher and the bureaus can produce the following original, verifiable documentation : Original signed promissory note ( s ) with my wet signature.

Loan application and borrower identification used at origination. 
Complete disbursement and payment history. 
Chain-of-title / assignment history showing transfers between servicers/owners. 
Any documents the furnisher relied on to verify the tradeline. 

I have the right under the FCRA to require the bureaus to conduct a proper investigation and to produce the documentation relied upon. Because the bureaus have only provided a certification response and not the requested documents, I request CFPB assistance to compel the bureaus and the furnisher to either ( a ) provide the listed documents, or ( b ) delete the tradeline ( s ) from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-23 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: Kikoff Inc.
State: GA

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity. 

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company KIKOFF LENDING LLC, XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Pa XXXXTransUnion LLCXXXX XXXX XXXX PA XXXXe: Formal Dispute of Account  XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear TransUnion Dispute Department,XXXXI am formally disputing the accuracy and completeness of the account information being reported under\nthe following details:\n- Creditor/Collection AgencyXXXX XXXX XXXX XXXX- Original Creditor: XXXX XXXX XXXX XXXX- Account Type: Factoring Company Account / Open Account\XXXX- Account Number: [Insert if shown]\n- Balance Reported: XXXX Date Opened: XXXXGrounds for Dispute\n1. Violation of FCRA 602 & 607(b)  Maximum Possible Accuracy\XXXXCredit reporting agencies must ensure information is complete and accurate. This account is reporting\nas a Factoring Company Account which is misleading and inaccurate. I never entered into aXXXXfactoring arrangement, and such labeling misrepresents the nature of the account.\XXXX2. Violation of FCRA 611  Right to Dispute\XXXXI am exercising my right to dispute this item. Unless the furnisher can provide proper validation with\XXXXcomplete documentation (signed original contract, itemized accounting, and proof of legal assignment\nof the debt), this account must be removed.\XXXX3. FDCPA 809  Failure of Proper Validation\nIXXXX XXXX XXXX XXXX is acting as a debt collector, they must provide:\XXXX A copy of the original signed agreement,XXXX- Proof of ownership/assignment from XXXX XXXX XXXXXXXX A full accounting of the alleged balanceXXXXXXXXTo date, no such validation has been provided.\n4. Re-aging & Reporting Errors  FCRA 623(a)(5)\nThe Date Opened is listed as XXXX, which does not reflect the true date of first delinquency with\nthe original creditor. This could artificially extend the reporting period beyond the 7-year limit, which is\nprohibited.\n5. Potential FDCPA & FCRA MisrepresentationThe current reporting of High Balance XXXX and Balance XXXX lacks supporting documentation. If\nthe data cannot be substantiated, it is inaccurate and misleading under FCRA 607 and must be\nremoved.\nFormal Request\nI hereby request that TransUnionXXXX Conduct a full reinvestigation into this account,\n- Demand complete validation from XXXX XXXX XXXX (signed original agreement, assignment\nchain, itemized accounting),\n- Delete the account entirely from my credit report if the furnisher cannot meet the strict burden of proof\nrequired under the FCRA and FDCPA.\nFailure to comply may result in formal complaints with the Consumer Financial Protection Bureau\n(CFPB), the Federal Trade Commission (FTC), and my states Attorney Generals office for violations oXXXX 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 non-monetary relief
Consumer complaint received 2025-09-23 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:
A furnisher, XXXX, has reported inaccurate information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Specifically, they have reported a " late closed '' status on an account with a {$0.00} balance. Despite notifying the furnisher of the error through my dispute, they have continued to verify the incorrect information without providing any evidence to substantiate the claim. This inaccurate reporting has caused ongoing harm to my creditworthiness by maintaining a false delinquency status on my credit report. 

Additionally, XXXX XXXX has reported a collection account for a {$500.00} balance, originating from XXXXXXXX XXXX  I dispute the validity of this debt, as XXXX XXXX has not provided any documentation verifying the debts legitimacy, ownership, or accuracy. Despite my dispute, this account continues to be reported without adequate evidence to support its claim. This, too, is damaging my credit profile. 

Furthermore, several unauthorized credit inquiries have appeared on my report from entities such as 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 ). I did not authorize these inquiries, and the respective entities have failed to provide verification that these inquiries were made with my explicit consent or for a permissible purpose under FCRA 604 ( a ) ( 3 ). These unauthorized inquiries are continuing to negatively impact my credit score.

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 2025-09-23 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Subject : Identity Theft Fraudulent Accounts Reporting Under My Name I am the victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or consent. These accounts were created by another individual misusing my personal information. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair and Accurate Credit Transactions Act ( FACTA 609 ( e ) ), I am demanding the immediate blocking and removal of the following fraudulent accounts from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: IA

Complaint narrative:
Discover added ~ {$900.00} back onto your account because i didnt respond to an phone call because i was at work. about a fraud case i did call them, they promised a response in 30 days, and you never got one. 
They failed to complete the required fraud/billing investigation. they didnt send me mail email me or anything now im getting charged {$72.00} for interest rates instead of the regular amount which was {$25.00} and my account was frozen and they still added the charge on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain accounts still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$240.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am submitting to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain accounts still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$240.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00}

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 2025-09-23 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am compelled to expose XXXX, the team XXXX, and her staff members XXXX I and XXXX at the Wells Fargo XXXX XXXX as utterly corrupt and morally bankrupt. This team is nothing short of a disgrace, operating with brazen dishonesty, abusing their authority without shame, and actively working to sabotage any attempts at accountability. Their actions are a flagrant betrayal of trust and demonstrate a level of corruption that is truly reprehensible. 

What makes this situation even more appalling is that XXXX and her team have been allowed to police themselves, investigating their own misconducta grotesque conflict of interest that they exploit shamelessly to cover up their misdeeds. This cynical manipulation has resulted in the systematic obstruction and dismissal of all my legitimate concerns and correspondence, revealing their complete dedication to deceit and corruption. 

In light of these serious and undeniable offenses, I demand that the Consumer Financial Protection Bureau ( CFPB ) immediately launch an urgent, external, and independent investigation into the internal operations and corrupt practices of XXXX and her team. Such an investigation is absolutely critical to uncover the full extent of their wrongdoing and to begin restoring any shred of integrity to 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 non-monetary relief