vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted disputes through Experians online dispute system regarding multiple collections and charge-off accounts that I believe are inaccurately reporting and have not been properly validated. Experian completed the dispute process but did not remove any of the accounts in question. Only credit inquiries were removed, even though my dispute clearly targeted the accounts themselves. After the dispute was closed, I submitted a formal request under FCRA 1681i ( a ) ( 7 ) for Experian to provide a description of the reinvestigation procedure used to verify the disputed accounts, and to date, I have not received that information. Additionally, no 1099-C cancellation of debt forms have been issued for these charge-off accounts, and I have received no documentation, debt validation, or mailed notices confirming the legal basis for reporting these tradelines. This is a violation of my consumer rights under the Fair Credit Reporting Act.

The following accounts are still inaccurately reporting and should be deleted/removed from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX. XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX  {$4300.00} XXXX. XXXX XXXX {$830.00} XXXX. XXXX XXXX XXXX {$2400.00} XXXX. XXXX XXXX  {$2900.00} XXXX. XXXX XXXX {$9500.00} I am requesting full deletion of all listed accounts and a written description of the reinvestigation procedure used to verify each item in accordance with the law. If documentation and validation can not be provided, these accounts should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union keeps locking and suspending my online account. This is a huge violation according to the FCRA. Trans union retaliates against me when i make a dispute. and Trans union does not do proper investigations in to disputes. Trans union will not fix this issue so how they will not reply for 60 days so i can't see dispute nothing on my account. I am hopeing XXXX XXXX looks into fraud companys like TRANS UNION! XXXX union is a horrible horrible company and loooking forward to its downfaul. and they get lawsutes against them for lieing and pattening peoples accounts with inaccurate information.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I am disputing a NetCredit account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that is listed as purchased by another lender ( XXXX XXXX ), yet it continues to report as charged off/collection with derogatory marks across the bureaus. 

If the account has been sold, the original creditor should no longer be reporting the account as an active derogatory tradeline. Continued reporting after sale, without accurately updating the status, violates FCRA 1681e ( b ) for maximum possible accuracy. 
Also, I did not have an opportunity to dispute this information. Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX finance account XXXX is paid/closed. However different bureaus have different reporting of payment history dates and amounts. Inaccurate information. ( FCRA ) While I understand the importance of accurate reporting, I believe the continued reporting of late payments on this account is unnecessarily penalizing my credit profile, despite the account being fully satisfied.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX finance account XXXX is paid/closed. However different bureaus have different reporting of payment history dates and amounts. Inaccurate information. ( FCRA ) While I understand the importance of accurate reporting, I believe the continued reporting of late payments on this account is unnecessarily penalizing my credit profile, despite the account being fully satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tesla, Inc.
State: AZ

Complaint narrative:
I emailed tesela but never received a response. My agent didnt have the power to add the {$400.00} discount. 

XXXX XXXX XXXX To : XXXX XXXX Hi, I recently ordered solar and I completely forgot to go through the link. Is there anyway to still get the {$400.00} referral credit? 
XXXX XXXX XXXXXXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Wells Fargo, I am writing to formally appeal the denial of my fraud claim for the unauthorized transaction ( XXXX ) on XXXX, that used XXXX  and remitly to fraudulently take money from my account. The denial violates Regulation E I did not authorize those transactions, my phone was out of my possession and stolen. If you look at my account I changed my banking password the morning of XX/XX/year> because my phone was no longer in my possession, it was stolen and cloned and they used the apps that didn't occur to me to change the passwords, to steal money directly from my account. Then, in your complete incompetence, took an extra {$610.00} from my account because you didn't balance the incoming {$610.00} from a remitly transaction with an outgoing {$610.00} from a remitly transaction. You can see from my transactions, I never use cashapp that much, and never for those amounts. I had my XXXX XXXX and XXXX card fraudulently used and they stopped the transactions after the third suspicious one and XXXX reimbursed me for the money that was taken in those three transactions. You have denied my claims over and over and even with the police report I filed after because you said " no fraud occurred ''. Clearly the money never made it to my accounts. So it was money fraudulently out, to some random account. 

I request : 1. Reimbursement of {$9800.00} + the {$610.00} you took 2. A written explanation of the denial Sincerely, 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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal follow-up regarding previous disputes submitted concerning several inaccurate and unverified negative items currently reported on my credit file. These accounts were recently deleted in full by XXXX after their investigation found them to be invalid, inaccurate, or unverifiable.

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 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: NC

Complaint narrative:
XX/XX/XXXX a FTC report was filed, I had to travel to XXXX to get the documents signed and notorized. I attempted to take the documents to the place where the loan was created. I also have a XXXX drivers license that does not match what ever address that lendmark is stating I live. For XXXX weeks i have been contacting lendmark and being deceived and phone tagged around the department. A senior recovery specialist have been informing me that matters are being resolved and nothing have been resolved, recently was informed by a teammate that no such claim was submitted and XXXX has not been available for a entire week. Under XXXX XXXX CXXXXe 1XXXX I am certain that lendmark has falsified documents along with incorrect information on this vehicle loan that I never seen or agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-05-14 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : INQUIRIES : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
am filing this complaint against XXXX and XXXX XXXX XXXX XXXX XXXX for knowingly participating in fraudulent arbitration practices, attempting to enforce a disputed obligation without verified authority, and obstructing my federally protected right to lawful remedy. 

XXXX has demanded documents that were never provided by the XXXX ( TransUnion ), never signed by me, and were deliberately concealed. I submitted sworn declarations that remain unrebutted. TransUnion has defaulted. By law, this creates a binding judgment through operation of law. 

Despite this, XXXX XXXX continues to demand a signed arbitration agreement that does not exist. This conduct violates : 15 U.S.C. 1692e and 1692g Misrepresentation and failure to validate 15 U.S.C. 1681g ( a ) Refusal to provide full file disclosure 18 U.S.C. 1519 Obstruction of enforcement 31 U.S.C. 3729 Concealment of fraudulent claims UCC 1-308 Reservation of all rights United States XXXX XXXX, 98 U.S. 61 ( 1878 ) Fraud vitiates all legal effect XXXX is a private corporation. Its internal policies do not override federal law, unrebutted affidavits, or my right to remedy. Continued refusal to acknowledge default and enforce remedy constitutes commercial dishonor and bad faith. 
Relief Requested : Immediate federal investigation into XXXX  and XXXX XXXX Confirmation and record of TransUnion 's unrebutted default Enforcement of full file disclosure under federal law Compensation for obstruction and administrative delay Declaration of my right to lawful remedy outside of corporate policy. 
I want XXXX BOND number that him and others refuse to provide when asked = 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 2025-05-14 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:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Account Credit collection # XXXX I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report. or i will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 XXXX 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 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: CL Holdings LLC
State: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
REMOVE DEROGATORY REMARKS AND UPDATE ACCOUNT STATUS To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau XXXX Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 




If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account.

Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 



This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
REMOVE DEROGATORY REMARKS AND UPDATE ACCOUNT STATUS To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 




If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account.

Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFP
B ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation