vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding the following account : Creditor : XXXX XXXX According to my records, this account has never been late, and all payments have been made on time. However, my credit report reflects XXXX or more late payments that are incorrect and damaging to my credit profile. 

Please investigate this matter and update the account to reflect a positive payment history with no late payments. I have included relevant supporting documentation such as bank statements and payment confirmations, if available, to assist with your review. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you complete this investigation within XXXX days and provide a written confirmation once the information has been corrected. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding the following account : Creditor : XXXX XXXX According to my records, this account has never been late, and all payments have been made on time. However, my credit report reflects XXXX or more late payments that are incorrect and damaging to my credit profile. 

Please investigate this matter and update the account to reflect a positive payment history with no late payments. I have included relevant supporting documentation such as bank statements and payment confirmations, if available, to assist with your review. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you complete this investigation within XXXX days and provide a written confirmation once the information has been corrected. 

Thank you for your prompt attention to this matter.

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 2025-09-30 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: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). I obtained my credit reports from XXXX and identified multiple inaccuracies, including incorrect personal information, unauthorized inquiries, and inaccurate or unverifiable collection and charge-off accounts. 

Despite my valid dispute submissions with the required identification and documentation, the credit bureaus have failed to properly investigate or correct these errors. Instead of conducting a full reinvestigation as required by law, they continue to report inaccurate information. This violates : 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed items 15 U.S.C. 1681i ( a ) ( XXXX ), which requires disclosure of the method of verification Items in dispute include : Incorrect personal identifiers ( former name XXXX XXXX, former addresses, and employers including XXXXXXXX XXXX XXXX Unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple collections from XXXX XXXX XXXX Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX These items are inaccurate and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), they must be deleted entirely if the bureaus can not verify them. I also requested full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, the procedures used for verification, the names and contacts of furnishers, and documentation relied upon. None of this has been provided.

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 2025-09-30 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 am filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). I obtained my credit reports from XXXX and identified multiple inaccuracies, including incorrect personal information, unauthorized inquiries, and inaccurate or unverifiable collection and charge-off accounts. 

Despite my valid dispute submissions with the required identification and documentation, the credit bureaus have failed to properly investigate or correct these errors. Instead of conducting a full reinvestigation as required by law, they continue to report inaccurate information. This violates : 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed items 15 U.S.C. 1681i ( a ) ( XXXX ), which requires disclosure of the method of verification Items in dispute include : Incorrect personal identifiers ( former name XXXX XXXX, former addresses, and employers including XXXXXXXX XXXX XXXX Unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple collections from XXXX XXXX XXXX Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX These items are inaccurate and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), they must be deleted entirely if the bureaus can not verify them. I also requested full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, the procedures used for verification, the names and contacts of furnishers, and documentation relied upon. None of this has been provided.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My legal name on Credit Karma is wrong I tried to get it corrected they said I have to contact XXXX XXXX XXXX XXXX to correct my name first to access my Credit Karma account but my name is correct on there already they keep saying its not my correct name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Dual Tracking 1. I object to the plaintiffs conduct in this matter, which has deprived me of due process Improper Service 2. I was never personally served with the Summons and Complaint in this matter.

3. The docket reflects that the plaintiff attempted service by publication. Wisconsin CCAP online website. 
4. Under Wisconsin law, service by publication is only allowed after Wells Fargo Bank N.A. shows due diligence in attempting personal service. In this case, there was a hold and Wells Fargo N.A. knew my address and was in communication with me. Therefore, publication was improper. 
XXXX. On XX/XX/year> Wells Fargo Bank N.A. claims to have published notice, this foreclosure was also on hold due to loss mitigation review as of XX/XX/year>. Proceeding with publication during a hold period is an act of dual tracking and bad faith. 
6. Because service by publication was improper, this court lacks personal jurisdiction over me, but there is now a 3rd attorney on the active foreclosure case XXXX XXXX XXXX XXXX XXXX XXXX # XXXX with no notice given to me. I submitted a complaint regarding no XXXX XXXX XXXX now there is one there for a brand new attorney. 

Dual Tracking and Payment Refusal 7. Wells Fargo Bank N.A., XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX has engaged in dual tracking by pursuing foreclosure while simultaneously engaging in loan modification review and loss mitigation, in violation of federal law. 
XXXX. Wells Fargo Bank N.A. has refused to accept my XX/XX/year> mortgage payment. I was told by XXXX and XXXX that they would not take the payment unless they spoke with my attorney, even though I have never had an attorney in this case. This refusal is a deliberate act to create default. 

Due Process Concerns 9. I have submitted multiple motions and affidavits that have been ignored and not ruled upon, which denies me due process. 
10. Wells Fargo Bank N.A. has substituted multiple attorneys ( this is now the third ), and I have not received proper notice of substitution each time. This has caused confusion and prejudice against me as a pro se litigant.

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 2025-09-30 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:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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

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 2025-09-30 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: TX

Complaint narrative:
I am submitting this complaint as a formal follow-up to a dispute regarding several inaccurate and possibly duplicated collection accounts and a repossession entry that continue to appear on my credit report. These entries involve multiple accounts reported by XXXX XXXX and a repossession reported by XXXX. The collection accounts in question are tied to the original creditor XXXX  XXXX XXXX and appear multiple times with different balances, including zero-dollar balances, which may indicate they have been paid, settled, or are being erroneously reported more than once. The continued presence of these potentially duplicative and unverifiable accounts is misleading and harms my credit profile. Additionally, I am disputing the reporting of a repossession account by XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), with a balance of {$7300.00}. I have not received any documentation verifying this repossession, such as a notice of default, proof of sale, or balance breakdown. I previously requested a reinvestigation from the credit reporting agencies, but no sufficient verification has been provided to date.

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 2025-09-30 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: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX balance ; {$2500.00} XXXXXXXX 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 2025-09-30 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: TX

Complaint narrative:
I am filing this complaint because my consumer credit reports, maintained by the nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX  ) as well as other secondary credit reporting agencies, contain inaccurate and/or incomplete information. 

The disputed items include accounts and entries that do not belong to me, information that has been reported inaccurately, and records that appear outdated or unverifiable. These errors are damaging my creditworthiness, lowering my credit score, and creating barriers to obtaining fair access to credit, housing, and financial opportunities. 

I have not yet submitted direct disputes to the credit reporting agencies themselves. Instead, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that all relevant credit reporting agencies both the nationwide consumer reporting agencies and secondary data furnishers comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This includes : Conducting a reasonable reinvestigation of the disputed information. 
Deleting or correcting any inaccurate, incomplete, or unverifiable entries. 
Providing me with updated copies of corrected reports. 

I am prepared to provide supporting documentation ( such as proof of identification, account records, and evidence showing inaccuracies ) to assist in this investigation. I ask that the CFPB hold the reporting agencies accountable to the standards of accuracy, fairness, and completeness mandated by federal 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
I am filing this complaint because my consumer credit reports, maintained by the nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX ) as well as other secondary credit reporting agencies, contain inaccurate and/or incomplete information. 

The disputed items include accounts and entries that do not belong to me, information that has been reported inaccurately, and records that appear outdated or unverifiable. These errors are damaging my creditworthiness, lowering my credit score, and creating barriers to obtaining fair access to credit, housing, and financial opportunities. 

I have not yet submitted direct disputes to the credit reporting agencies themselves. Instead, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that all relevant credit reporting agencies both the nationwide consumer reporting agencies and secondary data furnishers comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This includes : Conducting a reasonable reinvestigation of the disputed information. 
Deleting or correcting any inaccurate, incomplete, or unverifiable entries. 
Providing me with updated copies of corrected reports. 

I am prepared to provide supporting documentation ( such as proof of identification, account records, and evidence showing inaccuracies ) to assist in this investigation. I ask that the CFPB hold the reporting agencies accountable to the standards of accuracy, fairness, and completeness mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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. 

XXXX 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 explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer CREDENCE RESOURCE MANAGEMENT Re : Cease and Desist Demand Account # XXXX Reported Date : XX/XX/XXXX Amount : {$390.00} reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law. 
Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law. 
You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance {$620.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are not only unfair but also unlawful.

Company response to consumer: Closed with non-monetary relief