vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am submitting to request that any dispute comments and related notations be removed from the following accounts in my credit file, and that the dispute status be reset to reflect that I am no longer actively disputing them : XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXXXXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} These accounts were previously annotated with language such as consumer disputes this account or similar. However, I am no longer disputing the accuracy or validity of these accounts. The presence of these dispute notations is causing confusion with lenders and other creditors, who interpret these remarks as unresolved issues or active disputes. Under 611 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the information they furnish is accurate and complete, and update or delete information when it is no longer correct. Further, guidance and advisory resources note that dispute remarks may be removed when the consumer is no longer disputing the item and requests removal of the remark.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting to request that any dispute comments and related notations be removed from the following accounts in my credit file, and that the dispute status be reset to reflect that I am no longer actively disputing them : XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXXXXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} These accounts were previously annotated with language such as consumer disputes this account or similar. However, I am no longer disputing the accuracy or validity of these accounts. The presence of these dispute notations is causing confusion with lenders and other creditors, who interpret these remarks as unresolved issues or active disputes. Under 611 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the information they furnish is accurate and complete, and update or delete information when it is no longer correct. Further, guidance and advisory resources note that dispute remarks may be removed when the consumer is no longer disputing the item and requests removal of the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I have First horizon bank checking account with the promotion that " if i have {$2000.00} or more in direct deposit '' -they will give me {$450.00} cash back bonus. I have already met the conditions- but they haven't provided me the cash back bonus till now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX response to CFPB XXXX, XXXX, XXXX, XXXX, XXXX & XXXX clearly stated : We did not remove the statement suppression, which resulted in statements not being [ generated ] to you XX/XX/XXXX and XX/XX/XXXX. 

See Wells Fargo XXXX to CFPB XXXX et al., at XXXX XXXX. 
Here generated is used in place of mailed because a screenshot of XXXX XXXX billing system indicates no statements were generated from XX/XX/XXXX to XXXX XX/XX/XXXX. 

Despite filing several billing-error notices and FCRA indirect and direct disputes prior to charge-off, Wells Fargo allowed the account XXXX charge off at the end of XX/XX/XXXX. It is therefore materially misleading for Wells Fargo to verify the information for XXXX and XXXX as accurate. They continue to do so each time I have disputed with the CRAs. Wells Fargo has even certified the reporting of the inaccurate/materially-misleading information for those accounts/tradelines. 

XXXX XXXX conduct meets the standard under XXXX for recklessness and willful violations of the FCRA and has defamed me and created false portrayals of me as a consumer/debtor done so with malice and a willful intent to injure. 

Wells Fargo has additionally made several contradictory statements in response to my 12 C.F.R. 1022.43 direct disputes and clearly lacks policies and procedures that allow it to comply with the FCRA under 15 U.S.C. 1681s-2 ( b ), 12 C.F.R. 1022.43, Appendix E of Part 1022, and the Michigan Regulation of Collection Practices Act. 

Within the context of Defamation and False Light, XXXX XXXX conduct rises to the level of gross negligence. 

As a direct and proximate result of XXXX XXXX conduct, I have been severely harmed, subjected to repeated and compounding injury, and remain exceptionally vulnerable to their continued misconduct as I have been for over XXXX years.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. The supporting documents necessary to verify my claim are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Please investigate the following inaccurate, unauthorized, and unverifiable items on my credit report. I request that each item listed below be fully reinvestigated in compliance with the Fair Credit Reporting Act ( FCRA ) and that corrective action be taken immediately.

Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is another incorrect address. My residency history has never included this location. Its inclusion constitutes inaccurate reporting under FCRA 607 ( b ) which mandates reasonable procedures to ensure maximum accuracy. 

Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} This account reflects a late payment that I dispute. The reported delinquency is not accurate as I maintained payments in accordance with my agreement. Inaccurate reporting of payment history violates FCRA 1681s-2 ( b ), which requires furnishers to provide correct information and correct errors promptly.

Inquiry Inquiry XXXX XXXX XXXX XX/XX/XXXX This is another unauthorized inquiry. FCRA 604 ( a ) protects my right to consent before any credit check, and reporting it without consent is unlawful.

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA 604 ( a ) and misrepresents my credit behavior.

I formally request that all disputed items listed above be fully investigated in accordance with the FCRA. I demand that any inaccurate, unverifiable, or unauthorized information be corrected or deleted from my credit report. Please provide written confirmation of the results of your investigation and all actions taken to correct my credit file. I reserve the right to take further legal action if these violations are not properly addressed.

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 2025-10-29 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: NY

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOP Pioneer Partners LP
State: TX

Complaint narrative:
I first took out a loan from pioneer Military Loans back in XXXX. Ive finance the loan numerous times within a 3 year span. The biggest loan I had with them was in the amount of {$4000.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and misleading entries on my credit report, which I have recently obtained and reviewed. These inaccuracies are negatively affecting my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies maintain accurate and complete information. 

The following accounts are reported inaccurately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00}, Date Opened : XX/XX/XXXX Reported as Charge Off. This is inaccurate because [ state your reason if you have proof ]. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$1200.00}, Date Opened : XX/XX/XXXX Reported as Charge Off. This account is [ dispute reason ]. 

XXXXXXXX XXXX XXXX XXXX XXXX ) High Balance : {$840.00}, Date Opened : XX/XX/XXXX Reported as Late Payment, which is false ; I have evidence of timely payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$150.00}, Date Opened : XX/XX/XXXX Reported as Collection, which is inaccurate. 

Multiple inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX between XX/XX/XXXX XX/XX/XXXX, which I did not authorize or are being reported incorrectly. 

These errors are causing severe damage to my credit profile and potential financial opportunities. I request that CFPB investigate these inaccuracies and direct the respective credit reporting agencies to immediately correct or remove the false entries from my credit file. 

I have attached all supporting documents, including statements and correspondence, that demonstrate the inaccuracies listed above. I am requesting prompt action and written confirmation that the corrections have been made in compliance with federal law. 

I expect a resolution within the timelines mandated by the FCRA, and I reserve the right to pursue further legal remedies should these issues not be addressed properly. 

Thank you for your immediate attention to this urgent 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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems LLC is reporting a XXXX XXXX account that does not belong to me. I have never had an account with XXXX and have confirmed with their customer service that nothing exists under my name or Social Security number.

I have requested validation from Jefferson Capital and received no proof of ownership, no signed contract, no billing statements, and no account number from XXXX. Despite this, they continue to report the debt as valid.

In addition, they have re-aged this account multiple times over the years to make it appear recent even though it allegedly dates back to XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA 605 ) and the Fair Debt Collection Practices Act ( FDCPA 807 ).

I am requesting immediate deletion of this false tradeline from my credit reports and an end to all collection activity related to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
I requested documentation and verification regarding my account. Despite my request, they failed to provide any information or verification, leaving the account inaccurate and unverifiable on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
I requested documentation and verification regarding my account. Despite my request, they failed to provide any information or verification, leaving the account inaccurate and unverifiable on my credit report.

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 2025-10-29 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: NV

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, XXXX XXXX XXXX XXXX has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, Experian, TransUnion, and Equifax have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress.

I have also filed complaints with the FTC and XXXX regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel XXXX XXXX XXXX XXXX and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 
I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX AMOUNT : {$5300.00} 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