vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
Im writing once again regarding an unresolved dispute concerning an inaccurately reported late payment on my credit file. Despite clear legal justification, you have failed to correct or remove this account. As a result, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before pursuing further legal actions. 

Account in Dispute : Creditor : XXXX XXXX  Account Number : XXXX Violation : Under 15 U.S.C. 1666B, this is a billing error. The account has always been paid as agreed and on time. The current reporting is inaccurate and unlawful. 

Why This Reporting Is a Violation of Federal Law : I was never notified of the due date or any missed payment by XXXX. I was not given a reasonable opportunity to correct or resolve the alleged delinquency before it was reported. This conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Requires credit bureaus to ensure accuracy and completeness. Reporting a late payment without proper notice is neither accurate nor complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report data responsibly and fairly. If XXXX  failed to notify me before reporting, they are in breach of this obligation.

FCRA 1681i ( a ) : Once a consumer disputes information, the bureau must conduct a reasonable reinvestigation. If the furnisher can not verify that proper notice was provided, you must delete the disputed entry.

Despite previously raising this issue, you failed to investigate it properly or correct the record. This negligence has now been reported to the CFPB.

What I Am Demanding : Immediately reinvestigate the disputed late payment.

Require XXXX to provide documented proof of notification including dated billing statements, mailed notices, or digital communications prior to the derogatory reporting. 

If they can not provide sufficient proof, the late mark must be permanently deleted from my credit report. 

Provide written confirmation of the results and a corrected copy of my credit report within 15 business days.

If this matter remains unresolved, I will proceed with formal complaints to the Federal Trade Commission, the State Attorney Generals office, and pursue legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, as well as recovery of actual damages and legal costs.

I am not requesting special treatment. I am demanding compliance with the law and that my credit file reflect only accurate, verified, and legally reportable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
XXXX  XXXX is charging me XXXX $ o havent even been to they gym I tried to get this remove off my credit for 2 years Also XXXX  gave it to XXXX XXXX XXXX I dont know them. I dont owe them also XXXX XXXX is also on my account and I dont know them at all I ask for information from both accounts I didnt receive nothing back no accuracy or nothing, according to The FCRA is a crucial piece of legislation for protecting consumers from inaccurate, outdated, or unverifiable information on their credit reports. 
It empowers consumers to take action to correct errors and improve their credit health. 
If a collection agency can not verify the debt with supporting evidence, it should 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 non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
This is a follow-up to my previous complaint regarding the XXXX account on my credit report. Despite providing documentation and disputing inaccurate information, Experian verified the account without sufficient proof. 

I have also sent XXXX multiple debt verification requests, yet they have failed to validate the debt or prove ownership. 

The inaccurate reporting remains on my credit report, violating my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I request that this account be deleted from my credit report immediately

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 2025-07-30 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 submitting this Metro 2formatted dispute as a victim of identity theft under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My personal information has been used without authorization, resulting in fraudulent accounts on my credit file.Consumer Information : Name : XXXX XXXX XXXX of Birth : XXXX XXXX : XXXX Current Address : XXXX XXXX Ct, XXXX, PA XXXXDisputed Accounts:1. XXXX XXXX XXXX BANK XXXX Acct # XXXX Charged off {$320.00} Fraudulent/identity theft.2. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX Not mine.3. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX, original balance {$250.00} Not mine.4. XXXX XXXX XXXX XXXX XXXX Acct # XXXX Multiple delinquencies Result of identity misuse.Requested Action : Under FCRA 605B, you are required to : Block and permanently delete all information resulting from identity theft within 4 business days of receipt of this dispute. Notify all furnishers and other credit bureaus of the deletion. Provide written confirmation of all corrections and an updated credit report. Copy of identity theft report ( if available ) Copy of Experian report highlighting fraudulent items

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Starting XX/XX/year> ; I learned that CreditKarma had old two-factor authentication information on my account. I attempted recovery through their system and failed. Starting XX/XX/year> or approximate ; I filed a recovery ticket. Their system rejected both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Identification Card ; the system also rejected my state issued driver 's license. Their support team was unhelpful and unwilling to assist. XX/XX/year> I demanded that CreditKarma delete my account out of fear that the two-factor would be used or recovery would be used to gain access to my account and PII. CreditKarma has refused to assist. All communication was over XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX RE XXXX FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXXXXXX {$1300.00} To Whom It XXXX Concern, This letter serves as a formal notice of dispute and demand for full legal validation of the alleged account referenced above. I, XXXX XXXX, do not acknowledge or accept liability for this debt. You are hereby instructed to cease all collection activity and credit reporting until every required legal document is provided. 

Under the protections granted to me by the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, and the Uniform Commercial Code ( XXXX ) XXXX and XXXX, I am demanding the following documentation : A copy of the original signed contract bearing my wet-ink signature A binding agreement showing my legal obligation to pay this alleged debt A full account ledger or flow sheet detailing all charges, payments, interest, and fees A complete chain of assignment proving lawful transfer of ownership of the debt to your company Documentation proving the account is not past the statute of limitations under Illinois XXXX Evidence of your companys XXXX to collect debts in Illinois, including license number and XXXX agency The name, department, and verification method used by the individual who verified this debt with any credit bureau A notarized affidavit attesting XXXX XXXX manual investigation was conducted in accordance with FCRA XXXX and that no XXXXXXXX  automated system was used Let me be XXXX clear : a bill, invoice, or account summary does not constitute proper legal validation. If you are unable to furnish all of the above within XXXX calendar days, you are required to : Delete this account from all credit bureaus ( XXXX XXXX XXXX XXXX ) Cease all collection communications and attempts Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, as well as potential civil litigation for violations of the FCRA, FDCPA, and XXXX. 

All rights reserved under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Around XXXX of XXXX, I noticed a slew an unauthorized charges on my Wells Fargo Debit card . As such, I immediately took measures to secure my accounts to close or turn off any cards I had on file included Credit Card given that my information had been compromised in a data breach or an unauthorized merchant had attempted to drain my accounts. However, I inadvertsely closed my Wells Fargo College Credit Card account I had had since XXXX, which was the longest Credit History that I had at the time. As a result, my credit plummeted by nearly XXXX. Im wondering if anything can be done to reinstate the account or to make note of the unforeseen extenuating circumstance that lead to a closing of a Wells Fargo Credit card that was mean to stay open.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Application number : XXXX My credit profile is locked for safety. Can ally tell me what bureau they check so that I may unlock my report for them to check my identity and set up a checking and savings acct

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited my check via ATM it Didnt credit me the atm read as if everything was ok tho so I called the number on receipt to explain what happening meanwhile atm start making a sound and displaying a message

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am filing a complaint to formally dispute certain items on my credit report that may have been obtained or shared without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

According to this section of the FCRA, a consumer reporting agency may not furnish a consumer report to any person unless it is for a purpose authorized by the FCRA. Furthermore, any person obtaining a report must have a certified permissible purpose. It has come to my attention that the following entities may have accessed or listed accounts on my credit file without my consent and without a valid legal basis : Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Acct # : XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX  XXXXXXXX XXXX XXXX  Balance Owed : {$88.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of a debt allegedly associated with XXXX XXXX XXXX XXXX XXXX ( XXXX ) that Equifax continues to report on my credit file. This account is not accurate, has not been properly validated, and is causing ongoing harm to my credit profile. 

I previously disputed this account with Cavalry directly and requested proper validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). XXXX has failed to provide any original contract, itemized accounting, or legal proof that this alleged debt belongs to me. Instead, they continue to report unverifiable information to Equifax. Reporting unverifiable debt is a direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

Under the FCRA, Equifax has a legal duty to : 1. Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

2. Delete or correct inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

3. Ensure maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Equifax has failed in these duties by continuing to report an account that can not be verified with competent evidence. Simply parroting data provided by XXXX without proof does not constitute a reasonable investigation under the FCRA. 

The continued reporting of this unverifiable account is damaging my creditworthiness, lowering my credit score, and interfering with my ability to obtain housing, employment, and financial services. Equifax is required by law to delete this account if it can not be substantiated with original documentation and chain of assignment from the original creditor. 

I demand the immediate removal of this account from my credit report due to its unverifiable and inaccurate nature. If Equifax continues to report this account without proper validation, it will constitute willful noncompliance with the FCRA, subjecting Equifax to statutory damages, actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

I request that the CFPB enforce Equifaxs compliance with federal law and ensure this inaccurate account is permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-30 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:
Submitted to the CFPB on XX/XX/XXXX Subject : Equifax Ongoing Willful Violation of FCRA 605B Third and Final Request Before Legal Action To the CFPB, This is my third formal complaint against Equifax, following two previous submissions ( XX/XX/XXXX and XX/XX/XXXX ) under the Fair Credit Reporting Act 605B regarding identity theft-related entries on my credit file. While Equifax initially removed one fraudulent account and an address, they have entirely failed to act on the remaining unauthorized hard inquiries and incorrect employment datadespite being provided a valid and complete identity theft report, in full compliance with the FCRA. I am now formally escalating this as a case of willful noncompliance. 

Outstanding Unresolved Issues : 1. Unauthorized Hard Inquiries ( still reporting as of XX/XX/XXXXXXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were never authorized by me and were submitted fraudulently. They are covered under the identity theft provisions of FCRA 605B ( a ) and must be blocked immediately. 

2. Employment Information Still Not Corrected : Despite including this in the original documentation, my employer XXXXXXXX XXXX XXXX has still not been added or updated in my file. This is a clear violation of the FCRA 's requirement to correct inaccurate personal information when proper documentation is provided. 

Documents Provided ( Already Submitted Twice ) : FTC Identity Theft Report Government-issued photo ID Proof of current address SSN Fresh credit report Violations Committed by Equifax ( now repeated and willful ) : FCRA 605B ( a ) : Failure to block fraudulent information FCRA 605B ( b ) : Failure to respond with written notice within 4 business days FCRA 605B ( c ) ( 3 ) : Unlawful reinvestigation or contact with furnishers after identity theft report FCRA 607 ( a ) : Knowingly continuing to report false information FCRA 610 ( a ) : Failure to implement reasonable procedures for compliance FCRA 616 : Willful noncompliance now triggering liability for damages Demanded Resolution ( Final Request ) : Permanent deletion of all unauthorized hard inquiries listed above Update and addition of correct employer information : XXXX XXXX XXXX  Written confirmation from Equifax verifying these actions have been completed Equifax has now had over 8 weeks and multiple complaints to address this matter, and yet has blatantly ignored its legal obligations. If this is not resolved immediately, I will pursue additional remedies under FCRA 616 and 617, including formal legal action and public complaint exposure through all available regulatory and legal channels. 

I request that the CFPB treat this as a patter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 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 2025-07-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 non-monetary relief