vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
To whom it may concern I am filing this complaint because several charge-off accounts are being reported on my credit file even though I have no knowledge of these accounts. I have disputed these items multiple times but the credit bureaus and furnishers failed to provide any contracts, applications, signatures, or proof. Under the FCRA they must verify information with actual documentation, and without proof these accounts can not legally remain. These unverified accounts are harming my credit and violating my rights. I am requesting the CFPB to require full documentation or deletion of all items below. 

XXXX XXXX XXXX XXXX, MI XXXX Address I have never lived at or used this address. No documentation proving ownership has been provided as required under FCRA 609 and 611. This address must be removed. 

XXXX XXXX XXXX XXXX, MI XXXX Address This address does not belong to me and has no connection to my identity. No verification has been supplied under federal law. This item must be deleted. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I have no knowledge of this account and have never opened it. No contract, application, or valid verification has been provided under FCRA 609 and 623. This charge-off must be deleted for failure to prove ownership. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Chargeoff This account is not mine and no evidence has been provided to validate it. Reporting an account without verification violates FCRA accuracy and reinvestigation laws. This item must be removed. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Chargeoff I have no knowledge of this account. No legally required proof has been presented under FCRA 609 or 611. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy I have never filed for bankruptcy and no court documents, petition, or filing proof has been produced as required under FCRA 609 and 611. This record is inaccurate and must be deleted. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry I did not authorize this inquiry and no permissible purpose has been shown as required under FCRA 604 and 607. This inquiry must be removed as it is not tied to any application I made. 

I request immediate reinvestigation and deletion of all accounts that can not be verified with proper documentation as required under 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 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
The property management company and their attorney provided inconsistent ledgers, conflicting dates, and contradictory documents. These records do not match each other, and I believe they contain inaccuracies. 

I previously contested these issues and the information was not corrected. 

I am requesting a formal investigation into : incorrect balances improper fees inconsistent dates on legal notices misleading documentation potential unfair collection practices These actions have caused emotional distress and have put my housing stability at risk. I have been going through this for 6 years. I have XXXX and XXXX problems and she has caused me so much emotional distress.with her unfair tactics I'm tired of being abused by XXXX XXXX. 
Alot of documents have been FORGED with me and my daughters signatures and initials on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Subject : Identity Theft / False Certification of Federal Student Loans- Account # XXXX Complaint : " I am a victim of identity theft involving approximately {$120000.00} in fraudulent federal student loans currently appearing in the Department of Educations XXXX XXXX system ( Account # XXXX ). These accounts are in default and have been certified for Treasury Offset illegally by not sending out a offset notice nor verification of any account information. This is causing me severe financial harm for my.

family, my dependents and myself.

The Issue : The Department of Education is attempting to collect on loans I did not authorize, sign for, or benefit from.

Proof of Innocence : My legitimate student loans were serviced by XXXX XXXX XXXX ' and were paid in full and closed satisfactorily in 2011. My credit report ( attached ) proves this history. 

Discrepancy : The fraudulent loans ( Debt IDs XXXX, XXXX, etc. ) do not match the account numbers or dates of my actual education financing. 

Action Taken : I have filed an FTC Identity Theft Affidavit and a Police Report ( attached ). I have also submitted a formal 'Loan Discharge Application : False Certification ( Identity Theft ) ' to the Department of Education 's Default Resolution Group . I've also hired a Iowa Consumer Protection Attorney to assess and analyze my personal profile for absolute accuracy through this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Subject : Identity Theft / False Certification of Federal Student Loans- Account # XXXX Complaint : " I am a victim of identity theft involving approximately {$120000.00} in fraudulent federal student loans currently appearing in the Department of Educations 'XXXX  ' system ( Account # XXXX ). These accounts are in default and have been certified for Treasury Offset illegally by not sending out a offset notice nor verification of any account information. This is causing me severe financial harm for my.

family, my dependents and myself.

The Issue : The Department of Education is attempting to collect on loans I did not authorize, sign for, or benefit from.

Proof of Innocence : My legitimate student loans were serviced by XXXX XXXX XXXX ' and were paid in full and closed satisfactorily in 2011. My credit report ( attached ) proves this history. 

Discrepancy : The fraudulent loans ( Debt IDs XXXX, XXXX, etc. ) do not match the account numbers or dates of my actual education financing.

Action Taken : I have filed an FTC Identity Theft Affidavit and a Police Report ( attached ). I have also submitted a formal 'Loan Discharge Application : False Certification ( Identity Theft ) ' to the Department of Education 's Default Resolution Group . I've also hired a Iowa Consumer Protection Attorney to assess and analyze my personal profile for absolute accuracy through this process.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Subject : Identity Theft / False Certification of Federal Student Loans- Account # XXXX Complaint : " I am a victim of identity theft involving approximately {$120000.00} in fraudulent federal student loans currently appearing in the Department of Educations 'XXXX  ' system ( Account # XXXX ). These accounts are in default and have been certified for Treasury Offset illegally by not sending out a offset notice nor verification of any account information. This is causing me severe financial harm for my.

family, my dependents and myself.

The Issue : The Department of Education is attempting to collect on loans I did not authorize, sign for, or benefit from. 

Proof of Innocence : My legitimate student loans were serviced by XXXX XXXX XXXX ' and were paid in full and closed satisfactorily in 2011. My credit report ( attached ) proves this history. 

Discrepancy : The fraudulent loans ( Debt IDs XXXX, XXXX, etc. ) do not match the account numbers or dates of my actual education financing. 

Action Taken : I have filed an FTC Identity Theft Affidavit and a Police Report ( attached ). I have also submitted a formal 'Loan Discharge Application : False Certification ( Identity Theft ) ' to the Department of Education 's Default Resolution Group . I've also hired a Iowa Consumer Protection Attorney to assess and analyze my personal profile for absolute accuracy through this process.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, multiple unauthorized withdrawals were made from my Wells Fargo debit card at XXXX ATMs in XXXX, XXXX, totaling {$4800.00}. I did not authorize these transactions, and I still had my physical debit card in my possession at all times. I never shared my PIN or online banking credentials. 
I discovered the fraud on XX/XX/year>, when I attempted to make a purchase and found insufficient funds. The same day, I reported the unauthorized transactions to Wells Fargo. I was told an investigation would be opened and that I would receive written results within XXXX business days, but I never received any notification. 
When I called Wells Fargo on XX/XX/year>, I was informed that the case had been closed without explanation. No provisional credit was issued during the investigation, and no findings, evidence, or documentation were ever shared with me. 
After insisting, Wells Fargo opened additional claim numbers, but each time the case was closed again without providing any information about the investigations. Despite multiple calls, I was repeatedly told that no details could be disclosed. 
Meanwhile, the authorities in XXXX opened a formal criminal investigation and determined that this was a case of theft of debit card data and unauthorized access to my information. 
For more than three months, Wells Fargo has closed my case multiple times without providing evidence, without following required procedures under Regulation E, and without offering the support expected during a fraud dispute. I am requesting a proper investigation, the reopening of the case, and reimbursement for the unauthorized withdrawals.

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 2025-11-27 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
Telecheck report shows the following dates and amounts of checks from XXXX were denied due to outstanding debt with company : XX/XX/XXXX {$67.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$220.00}, XX/XX/XXXX {$52.00} and XX/XX/XXXX {$150.00}. I have contacted XXXX and I do not owe them any money for bounced checks. Per my bank statements no such checks were even written! 
Same applies to checks from XXXX XX/XX/XXXX {$1.00} & {$73.00}. I have reached out to XXXX and was also informed of no outstanding balance.

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 2025-11-27 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: AL

Complaint narrative:
I am submitting this dispute regarding discrepancies in my credit report. The following are the accounts, inquiries, and late payments I am disputing, separated by each credit bureau. I request a thorough investigation and correction of these items according to the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$600.00} Late Payment : XXXX XXXX XXXX Account Number : 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 2025-11-27 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 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: MA

Complaint narrative:
After reviewing my credit report, I discovered several negative accounts and inquiries that appear to be reported inaccurately, incompletely, or without proper verification. Multiple creditors are reporting late payments, chargeoffs, and collections, yet their payment histories contain missing data, ND gaps, contradictory delinquency sequences, and inconsistent monthly reporting that does not reflect a reliable billing or payment timeline. Several chargeoffs include multi-year derogatory notations without clear supporting documentation or a complete delinquency progression. Multiple collection agencies are reporting balances without providing proof of assignment, itemized ledgers, or original creditor records. The collections furnished by debt buyers lack any evidence of ownership or chain-of-title verification. Additionally, there are hard inquiries that I did not authorize on the dates shown, and the creditors have not provided any proof of consumer authorization or a permissible purpose for accessing my credit file. These inaccuracies and unverified entries have caused significant harm to my credit profile, and the furnishers have not provided any proper evidence to support their reporting.

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 2025-11-27 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXL XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because a consumer reporting agency has included criminal background information on my report that is older than seven years. This information is being reported without my consent and in violation of the Fair Credit Reporting Act ( FCRA ) and Texas state laws regarding background reporting limitations. 

Recently, I obtained a copy of a background check that was run on me, and I discovered that criminal records from more than seven years ago were included. These records should not legally be reported for employment purposes in the state of Texas when they are older than seven years ( unless they involve specific exceptions, which do not apply in my case ). I did not authorize the release or reporting of this outdated information. 

Because of this inaccurate and unlawful reporting, I am experiencing negative consequences that are affecting my employment opportunities and causing significant stress. 

I am requesting the following from the CFPB : 1. Investigate the consumer reporting agency responsible for including this outdated information.

2. Require the agency to remove any criminal history older than seven years from my report.

3. Ensure they implement compliance measures to prevent this from happening again.

4. Provide written confirmation once the investigation is complete.

Details : Location : Texas Issue : Reporting of criminal history older than seven years Consent : I did not authorize this information to be reported Harm : Employment impact and dissemination of prohibited information I appreciate your assistance in resolving this matter. Please let me know if you require documentation, copies of the background report, or additional information. 

Thank you. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure
that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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