vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of 1 fraudulent account from my credit reports with Experian, TransUnion, and Equifax. Please review my supporting documents and remove the account that was fraudulently added to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
That review does not represent my financial values fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX, TX XXXX Subject : Request for Investigation and Deletion of Unverifiable Information Under the FCRA Dear XXXX, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute the completeness and accuracy of the information contained in my credit file. This is a formal request for a reinvestigation of all information that can not be verified, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

You are hereby notified that I dispute the accuracy and/or completeness of one or more items contained in my credit file. I am exercising my right under federal law to request that you conduct a reasonable investigation to determine whether the disputed information is accurate. If the information can not be verified, it must be promptly deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Additionally, you are required to complete your investigation within 30 days of receipt of this dispute. If your investigation reveals that any item is inaccurate, incomplete, or can not be verified, you must delete or correct that item accordingly and provide me with written results of the investigation.

I am requesting that all unverifiable information in my credit file be immediately removed. Please provide me with an updated copy of my credit report reflecting the results of your investigation.

Enclosed, please find a copy of my identification and proof of address to assist with your reinvestigation process. 

Sincerely, 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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have banked with Wells Fargo from XXXX, I was written a check in XX/XX/XXXX due to charges in the past that should have not been there. Because of the certain amount I have received I reached out to them and ask them to look into the account which has been closed both credit card/Checking/Savings due to the fact that I was eligible for the settlement or money being owed to me. I have not received any reply from the banking as well as I have written to them several times to see if money was still owed to me or any settlement was eligible to me while banking with them. Due to being in the military, I have to move every few years and address will be changed throughout the years. I just want to know if I was one of them that were eligible for the settlement and awaiting any type of money order/check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint and dispute regarding two accounts that have recently appeared on my credit report. These accounts are reported by Target ( TD Bank ) and XXXX XXXX XXXX, and I believe they are either the result of identity theft or were reported in error. 

I only began building credit this year. At the time these accounts were allegedly opened which appears to have been last year I had no established credit history, no credit cards, and no credit score.

The disputed accounts are : 1. Target Credit Card ( TD Bank ) I have never applied for or opened a credit card with Target or TD Bank. This account appeared on my credit report this month, but the reported open date is sometime in the past year again, during a time when I had no active credit accounts whatsoever.

2. XXXX XXXX XXXX Credit Card Similarly, I have never applied for or opened a credit account with XXXX XXXX. This account also showed up on my credit report this month, with an open date that precedes the establishment of my credit. I do not recognize this account and have no knowledge of its origin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted a transfer to my wife in XXXX. I learned from the partner bank ( XXXX ) that I had gone over the limit for the year. I proceeded to cancel the transaction with Remitly. Three days later on XX/XX/XXXX XXXX dollars was taken out of my account. I contacted Remitly XX/XX/XXXX, and was told that the money would be returned in 24 hours. I contacted again on on the XX/XX/XXXX, and was told that it would be returned in 24 to 48 hours. It is now the XX/XX/XXXX and my money has not been returned. I do not understand why the money was withdrawn from my account in the first place, and where is it? Of course now, I having a difficult time getting through to anyone at Remitly, with ridiculous wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute inaccurate, outdated, or unverifiable information on my credit report and request that it be corrected or deleted. Since the creditor/collector has acknowledged that the account should no longer be reported, I request the CFPBs assistance to ensure this tradeline is removed from all credit reporting agencies ( XXXX XXXX, and XXXX  ) promptly.Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 807, it is a violation for a debt collector to continue reporting information they know to be false or to report a debt after confirming it is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I am filing a complaint regarding a charge-off auto loan account that is being reported on my credit file by XXXX XXXX XXXX account number XXXX. 

This account is being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I previously disputed this information with the credit bureau ( s ), but the account remains on my credit report without proper verification. 

XXXX XXXX and the credit bureau ( s ) have not provided : A copy of the original signed contract for this loan, A complete and accurate payment history, Documentation proving the charge-off is being reported correctly and lawfully. 

Without this documentation, the information is unverifiable and therefore must be removed in compliance with 15 U.S.C. 1681i and 1681s-2. 

I am requesting that the CFPB require XXXX XXXX and the credit bureaus to : Provide proper documentation verifying this account, or Immediately delete the charge-off from my credit file if they can not verify it with complete and accurate records. 

This inaccurate charge-off is causing serious harm to my credit profile and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Council Law Group, PLLC
State: WA

Complaint narrative:
I enrolled in a debt settlement program with Council Law Group/XXXX on XX/XX/XXXX. The program was sold as a 36-month plan with fixed monthly payments of {$270.00}. I have made every payment on time since XX/XX/XXXX. 

After reviewing my account records, I discovered that the company charged performance fees well before certain settlements were finalized, in violation of the FTC Telemarketing Sales Rule ( 16 CFR Part 310 ). 

XXXX : Council Law Group regularly deducted earned performance fees from my account. 

XXXX account : Not settled until XX/XX/XXXX, yet performance fees were already being charged in XXXX. 

XXXX  account : Not settled until XX/XX/XXXX, yet performance fees were also being charged well before that date. 

By the end of XX/XX/XXXX : I had paid approximately {$9200.00} into the program. 

About {$3900.00} had been taken as fees. 

Only about {$4500.00} had gone to creditor settlements. 

My escrow balance was only about {$200.00}. 

Additionally, although I was told the program would take 36 months ( ending in XX/XX/XXXX ), settlement letters show installment obligations continuing until XXXX ( XXXX ) and XXXX ( XXXX  ). Despite this, the company emailed me in XX/XX/XXXX implying I was almost done with only one account pending, which is misleading. 

In summary : Council Law GroupXXXX charged performance fees before settlements were reached and creditor payments made, which is not permitted. 

They misrepresented the program as 36 months but structured settlements extending nearly 2 years longer. 

I am requesting investigation, refund of improperly charged fees ( ~ {$3900.00} ), and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the three bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file.

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am finding a complaint because my creditor is reporting late payments on my account ending in the XXXX. That are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remained without proper validation or documentation. Under 15 USC 1681S2A furnitures must report accurate information under 15 USC 6081. I. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-09-19 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and these errors is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.Please delete this fraudulent accounts from my credit report : XXXXXXXX XXXX XXXX XXXX Account Number XXXX Opened Date XXXX Balance - {$8800.00} XXXX XXXX XXXX XXXX  Account Number XXXX Opened Date XXXX Balance - {$7800.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I sent a copy showing it was taking care of XX/XX/year> for {$800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I just checked my credit report today, and to my frustration, the inaccurate late payments are still there. Refreshing my report didnt fix the issue, which makes me upset. I strongly request that you thoroughly go over the documents Ive already provided so that this issue is resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading entries on my credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing substantial harm to my creditworthiness. XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} This account is reported with inconsistent balances. In one instance it is listed as {$280.00} and in another as {$2800.00}. Such discrepancies are misleading and do not reflect maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} The way this account is being reported is incomplete and inaccurate, misrepresenting its true payment history and account status. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$51.00} This collection entry remains reported without proper validation, despite being inaccurate. Reporting of an unverified collection is a direct violation of consumer protections. New Charge-Offs ( Bank of XXXX XXXX Balance Owed : {$6100.00} Balance Owed : {$2200.00} Balance Owed : $ XXXXThese new charge-off entries are inaccurate, duplicative, and inconsistent. Multiple charge-offs for the same furnisher create an inflated and unfair negative impact, violating standards of accurate reporting.FCRA Violations These entries violate several provisions of the FCRA : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 [ 15 U.S.C. 1681i ] gives consumers the right to dispute inaccurate or incomplete information and requires a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading entries on my credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing substantial harm to my creditworthiness. XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} This account is reported with inconsistent balances. In one instance it is listed as {$280.00} and in another as {$2800.00}. Such discrepancies are misleading and do not reflect maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} The way this account is being reported is incomplete and inaccurate, misrepresenting its true payment history and account status. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$51.00} This collection entry remains reported without proper validation, despite being inaccurate. Reporting of an unverified collection is a direct violation of consumer protections. New Charge-Offs ( Bank of XXXX XXXX Balance Owed : {$6100.00} Balance Owed : {$2200.00} Balance Owed : $ XXXXThese new charge-off entries are inaccurate, duplicative, and inconsistent. Multiple charge-offs for the same furnisher create an inflated and unfair negative impact, violating standards of accurate reporting.FCRA Violations These entries violate several provisions of the FCRA : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 [ 15 U.S.C. 1681i ] gives consumers the right to dispute inaccurate or incomplete information and requires a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] prohibits furnishers from reporting information they know or should know 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> To : Transworld Systems , Inc. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX Re : Alleged Balance : {$500.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account. 

Validation Required Provide a legible copy of the original signed contract or obligation, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from XXXX XXXX and XXXX. 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/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 Subject : Formal Dispute and Request for Investigation and Deletion of Student Loan Accounts Under the Fair Credit Reporting Act To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding certain student loan accounts currently listed on my credit report. I am exercising my right to dispute any and all accounts that I believe to be inaccurate, incomplete, outdated, or unverifiable. 

Specifically, I am requesting that you conduct a reasonable investigation into the student loan entries on my credit file. If these accounts can not be verified with complete and accurate documentation, you are required by law to delete them from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

The FCRA mandates that credit reporting agencies must investigate disputes within 30 days of receiving notice. If the information provider fails to verify the accuracy and completeness of these student loan accounts during that time, you must remove the information from my file. 

Please confirm in writing the results of your reinvestigation, and if any items are deleted or corrected, provide an updated copy of my credit report. 

Attached you will find copies of documents verifying my identity and current address to assist in your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation