vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 explanation
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
I do not agree with prior investigation results. No corrections were made. Please reinvestigate and provide the method of verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Debt Validation Demand Account No. XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} To Whom It May Concern : This is a formal request for validation of the alleged debt referenced above, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your company has been reporting this alleged debt to consumer reporting agencies, which triggers your legal obligation to provide competent evidence that I am obligated to pay you. 

As required by law, and affirmed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), validation must include more than a mere recitation of the amount owed ; you must provide documentation that is sufficient to permit the consumer to dispute the payment obligation. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), makes clear that validation must be supported by competent evidence admissible in court. 

Accordingly, I demand that you provide the following within thirty ( 30 ) days : 1. A copy of the original signed contract or agreement creating the alleged obligation, bearing my signature.

2. A complete account history from the original creditor, including all charges, payments, interest calculations, and fees. 
3. A full chain of title, including all purchase and sale agreements, bills of sale, and assignments, proving your legal ownership of this alleged debt.

4. Proof of your legal authorization to collect in the State of South Carolina.

5. A copy of the verification you provided to any consumer reporting agency, as required under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

You are further reminded that under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), failing to provide the contract and full accounting renders the debt uncollectible. Any continued reporting without validation constitutes a violation of 15 U.S.C. 1692e ( 8 ) and the FCRA.

You are also bound by XXXX XXXX  reporting standards, and any reporting that fails to comply with those standards is inherently inaccurate under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

If you fail to respond with full validation, I will treat your silence as confirmation that no such evidence exists, and I will pursue all remedies available to me, including : - Filing complaints with the CFPB, FTC, and State Attorney General. 
- Considering civil litigation under 15 U.S.C. 1692k for statutory damages, actual damages, and attorneys fees. 

This is a request for information only and not a refusal to pay. All rights reserved without prejudice under UCC 1-308. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: OH

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 XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Date : XX/XX/year> This is not the date I open the account. 


Balance : The balanced indicated is incorrect. {$150.00} The credit card company apply for the credit card the customer must send the amount to the company before the issue the card. I forward the {$300.00} to send the merchant so that I can obtain a credit card. Therefore the balance is incorrect. 

I called them numerous time to have them address the discrepancy. I never received the a regional document that I signed,

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 2025-08-08 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: PA

Complaint narrative:
Date : XX/XX/year>XXXX  This is not the date I open the account. 


Balance : The balanced indicated is incorrect. {$150.00} The credit card company apply for the credit card the customer must send the amount to the company before the issue the card. I forward the {$300.00} to send the merchant so that I can obtain a credit card. Therefore the balance is incorrect. 

I called them numerous time to have them address the discrepancy. I never received the a regional document that I signed,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Date : XX/XX/year> This is not the date I open the account. 


Balance : The balanced indicated is incorrect. {$150.00} The credit card company apply for the credit card the customer must send the amount to the company before the issue the card. I forward the {$300.00} to send the merchant so that I can obtain a credit card. Therefore the balance is incorrect. 

I called them numerous time to have them address the discrepancy. I never received the a regional document that I signed,

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 2025-08-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/ FTC Identity Theft Report ( FTC Report Numbers : XXXX ) as evidence supporting my identity theft claim. 

As stated in 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four ( 4 ) business days.

I am notifying you that I have been a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and a copy of that complaint is enclosed for your reference.

My credit report contains fraudulent accounts that are not associated with me. All supporting documentation is included in this packet, and copies have been sent to your agency both via fax and Certified Mail. 

I request the immediate removal and blocking of the following fraudulent account from my credit report : Fraudulent Accounts : XXXX ) BANKRUPTCY 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 2025-08-08 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: Velocity Portfolio Group
State: MN

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and removal of several inaccurate accounts appearing on my credit report. I am a long-time resident of XX/XX/XXXX, having lived here for the past 15 years, and I have not lived, worked, or applied for credit in any other state during that time.

Upon reviewing my credit file, I noticed multiple accounts that were allegedly opened in other statesaccounts which I did not authorize, open, or benefit from in any way. These items do not belong to me and may be the result of identity theft or clerical error. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be thoroughly investigated and removed from my credit report if found to be inaccurate or unverifiable. Please find enclosed a copy of my ID and proof of address to support my identity and residency. 

I also request that you send me a written confirmation of your investigation and the results once completed. If these accounts are not removed, please provide the method of verification used to confirm their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo ( NMLS # XXXX ) illegally repossessed my vehicle ( VIN : XXXX ) and committed systemic violations : XXXX. ILLEGAL REPOSSESSION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repossessed vehicle from NC on XXXX XXXX XXXX XXXX XXXX WITHOUT sending XXXX XXXX XXXX XXXXXXXX notice XXXX XXXX  via certified mail. 
Sent post-repo " Notice of Intent '' via XXXX XXXX  REGULAR MAIL XXXX XXXX ( not certified ) to XXXX  address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

2. DATA SHARING WITHOUT CONSENT ( 15 USC 6802 + XXXX XXXX XXXX ) - Shared my location/contact info with repo agents without standalone written consent required by GLBA.

3. FRAUDULENT DEBT COLLECTION ( 15 USC 1692e ) - Agent ( XXXX ) stated on ( XXXX ) " We don't send certified mail and don't care about court. Only way to get the car is by paying. '' 4. REFUSAL TO VALIDATE DEBT ( 15 USC 1692g ) - Failed to produce original wet ink contract after XXXX written demands under NC XXXX. 

EVIDENCE : - WF admission of regular mail use ( call recording ) - USPS affidavit confirming no certified notices - XXXX XXXXXXXX Case # XXXX documenting violations

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 2025-08-08 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: FL

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-08 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: FL

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively affecting my credit score and overall quality of life, making it extremely difficult to achieve financial freedom and stability.

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 2025-08-08 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-08-08 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$470.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} INQUIRIES : XXXX  Date : 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and obsolete personal information that is being reported on my credit files by all three major credit reporting agencies : Equifax, Experian, and TransUnion. The continued reporting of this information constitutes an unlawful commingling of files and an intentional misrepresentation of my identity under the Fair Credit Reporting Act ( FCRA ). 

The following personal information is either obsolete, incorrect, or has never been associated with me : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX I have never been associated with these addresses or this employer. I am requesting that the CFPB investigate this matter immediately and compel the credit reporting agencies to permanently remove all of this inaccurate and outdated personal information from my credit reports. The presence of this false data can lead to identity theft and misrepresentation of my credit history. 

I look forward to a prompt investigation and resolution of this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief