vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Collectors make repeated phone calls either multiple times in a single day or on consecutive days. Calls are conducted solely either before XXXX XXXX  or after XXXX XXXX. Collectors have falsely portrayed themselves as law enforcement officers or attorneys and have incorrectly asserted that I owe a sum exceeding the actual amount due. Debt collectors have improperly reached out to XXXX  parties, such as my family and friends, through phone calls or messages to address the debt. Debt XXXX are infringing on my consumer rights by failing to validate the debt following my formal request and by reporting it to credit bureaus without properly marking it as " disputed. '' Additionally, they are employing intimidatory or coercive tactics, such as threatening to harm my credit rating unless immediate payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX the natural person consumer identified in the FDCPA and FCRA. I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ) concerning several fraudulent accounts that were previously deleted and have now been improperly reinserted into my consumer report, despite my FTC Identity Theft Report and supporting documentation showing I am a verified victim of a data breach and identity theft. 

On XX/XX/XXXX, I received written notification from TransUnion confirming that my personal information was exposed in a data breach. Since then, the following accounts previously disputed and deleted have been reintroduced to my credit file without proper notice or permissible verification : -XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/year> Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), if information previously deleted is reinserted, the bureau must certify the accuracy of the information with the furnisher and notify the consumer within XXXX business days. 
I have received no such certification or notice, making this reinsertion a direct violation of the FCRA.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, loan payment letter was sent to my old address from. Which all student loans in my XXXX portal were paid in full. I had no knowledge this specific XXXX loans sold to another servicer. Because of that i was not notified or given a portal to see what is due or even acknowledge there is still an existing loan in my name or else i would have paid that in full also. 

Student loan payment sent to XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX on XXXX XXXX XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX CT XXXX my current address AND had no correspence there was still student loans outside of my XXXX account. 

As of today i am still not sure how to pay this debt off outside of sending a paper check due to any communication in regards to creating a user profile for where there loans reside, showing evidence of the lack of communication on the servicers part.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, loan payment letter was sent to my old address from. Which all student loans in my XXXX portal were paid in full. I had no knowledge this specific XXXX loans sold to another servicer. Because of that i was not notified or given a portal to see what is due or even acknowledge there is still an existing loan in my name or else i would have paid that in full also. 

Student loan payment sent to XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX on XXXX XXXX XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX CT XXXX my current address AND had no correspence there was still student loans outside of my XXXX account. 

As of today i am still not sure how to pay this debt off outside of sending a paper check due to any communication in regards to creating a user profile for where there loans reside, showing evidence of the lack of communication on the servicers part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I am writing to formally dispute and request an investigation into the accuracy of the information being reported on my credit file. Upon reviewing my credit report, I noticed an account listed with the following details : Account Type : Charge Account Account Status : Open Payment Status : XXXX Days Late / Derogatory Amount Past Due : {$120.00} Remarks : XXXX  Days Past Due Last Payment Date : XX/XX/year> This information appears to be inaccurate and misleading. Based on the reporting, the account is still listed as XXXX, while simultaneously showing as 180 days past due and XXXX days late, which is inconsistent and does not accurately reflect the current or historical status of this account. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. 

I request that your office conduct an immediate investigation into this account and verify its accuracy with the data furnisher. If the account can not be verified or if the information is found to be incomplete, inconsistent, or outdated, I request that it be removed from my credit report entirely. 

Please provide me with written confirmation of the results of your investigation and any actions taken to correct or remove the inaccurate information. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called the experian, transunion and equifax and they said they was going to remove the hard inquiries on my credit and never did. These are unauthorized hard inquiries on my account and I need them removed 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called the experian, transunion and equifax and they said they was going to remove the hard inquiries on my credit and never did. These are unauthorized hard inquiries on my account and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for failing to maintain accurate and verifiable information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) and XXXX ). A company named XXXX XXXX XXXX, XXXX ( also known as XXXX ) has reported a collection account on my credit profile that I have disputed multiple times. 

This company has refused to provide lawful proof that I ever authorized them to collect, possess, or report my personal information. They have failed to show a signed agreement, assignment, or validation of any kind. I filed a XX/XX/XXXXcomplaint against this company and attached evidence showing that they continue to upload the same documents that do not show my consent or authorization. The XX/XX/XXXX has reopened my case due to their ongoing failure to comply or provide proof. 

Despite the lack of validation, this account remains on my credit report. I have already received duplicate messages from CFPB when rewording my complaints, but this is not a duplicate issue... it is an ongoing violation. This company has also stated that they will no longer respond, which shows they are intentionally avoiding accountability. 

The credit bureaus continue to report this information without confirming the accuracy, validity, or lawful authorization of this third-party debt collector. This violates Metro 2 compliance standards and shows a failure in the E-OSCAR reinvestigation process where data furnishers and the bureaus must verify or delete unverifiable data. The continued reporting of this invalid account shows negligence and disregard for the consumers rights under the FCRA. 

I have uploaded my ID, and i have uploaded everything they have sent me. Nowhere it say " XX/XX/XXXX'' on the lease. Please work with me. I am trying to avoid going to my lawyer, but i have no choice if noone is working with me to get this removed from my reports. 

Thank you in advance.

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 2025-10-13 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: AR

Complaint narrative:
I am submitting to formally dispute and request the removal of inaccurate, outdated, and potentially unauthorized items from my credit file, as maintained by the 3 credit bureaus. This request is made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), particularly 611 ( 15 U.S.C. 1681i ) concerning dispute procedures, 607 ( b ) requiring maximum possible accuracy of the information you report, and 604 ( a ) ( 3 ) which outlines the permissible purposes for accessing consumer reports. After carefully reviewing my credit report, I have identified the following : XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX # XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX Date Updated : XX/XX/2024 XXXX XXXX Date Updated : XX/XX/2024 XXXX XXXX Updated : XX/XX/2024 XXXX XXXX Date Updated : XX/XX/2024 XXXXCHILDSUPPT XXXXXXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXXCHILDSUPT XXXX XXXX Balance : {$33000.00}

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 2025-10-13 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: IL

Complaint narrative:
This is now my XX/XX/XXXXformal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA XXXX ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA XXXX ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to address an issue regarding my Capital One secured credit card account, which I had in XXXX  with a credit limit of {$1000.00}. 

Upon reviewing my credit report, I noticed that it indicates missed payments associated with this account. As I strive to maintain a healthy credit score, I want to ensure the accuracy of the information reported to all XXXX  major credit bureaus. 

Could you please provide clarification on the reporting of missed payments for this account? Specifically, I would like to understand : XXXX. The timeline of any missed payments that have been reported. 
XXXX. If there were any disputes or discrepancies that contributed to these missed payment records. 
XXXX. What steps can be taken to rectify this issue if the reporting is found to be inaccurate? 

I appreciate your attention to this matter and look forward to your prompt response so that we can resolve any discrepancies related to my account. 

Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
This debt was sold to a XXXX party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately. My information was involved in a data breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
This debt was sold to a 3rd party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately. My information was involved in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
My credit report has 12 names attached, 20 addresses and most I never lived. Also my accounts were sold and my information was fraudulently given to collection agencies

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 2025-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The company XXXX failed to send me a letter to inform that my debt has been sold to a collection agency. The account was charged off more than 7 years ago and somehow they have forged documents claiming that the account was charged off XX/XX/year>. This is fraud and does not reflect the actual charged off date which was years before the above said date. I do not know how they can fake documents that can get them in trouble. I am requesting XXXX to send me a letter stating how much the debts was sold and if there has been an insurance claims made on the debts and how much the claim was. Any profit or loss filed on the debts and documents backing that.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during 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 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX accounts appear on my credit report that I believe contain inaccuracies. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
This is a follow-up to my prior CFPB complaints regarding Equifaxs mishandling of my consumer file. Despite multiple written notices since XX/XX/XXXX advising that I was not disputing any tradelines and was instead requesting a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ), Equifax has continued to launch unauthorized disputes without my consent. 

Over the last ( nearly ) four months, Equifax has had ample opportunity to correct this issue yet continues to mishandle my file. Between XXXX and XX/XX/XXXX, they have initiated at least 14 unauthorized disputes, including the most recent ones dated : XX/XX/XXXX ( Confirmation # XXXX ) XX/XX/XXXX ( Confirmation # XXXX ) XX/XX/XXXX ( Confirmation # XXXX ) The problem is that the only tradeline I had ever addressed - - XXXX XXXX  - - was deleted from my credit file on or before XX/XX/XXXX, as evidenced by the attached credit report. 

Therefore, the question remains : What exactly is Equifax disputing? 

Equifaxs continued initiation of disputes after the deletion of the tradeline demonstrates severe mishandling of my file and constitutes misleading reporting to both me and the CFPB. Their XX/XX/XXXX CFPB response stated that the tradeline was verified as belonging to me, despite the fact that it had already been deleted from my file prior to that date. 

This is a direct violation of : FCRA 611 ( a ) - failure to conduct a proper reinvestigation and comply with the consumers request for an MOV.

FCRA 607 ( b ) failure to ensure the maximum possible accuracy of consumer reports.

FTC Act 5 and CFPA 1036 ( a ) ( 1 ) - deceptive and misleading acts in consumer reporting.

Equifaxs pattern of unauthorized activity suggests systemic internal errors or potential misuse of my identity documents previously submitted for verification. I have made every effort to resolve this matter for nearly XXXX months, yet the noncompliance continues. 

Attachments include : Proof of XXXX XXXX  tradeline deletion ( report dated XX/XX/XXXX and XX/XX/XXXX ) ; Screenshot of unauthorized dispute history ( XX/XX/XXXX XX/XX/XXXX ) ; Prior CFPB complaint and Equifaxs XX/XX/XXXX response stating verified status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To : Wells Fargo Auto XXXX : XX/XX/XXXXandXX/XX/XXXXDepartment XXXX XXXX XXXX XXXX XXXX, CA XXXX I am formally disputing the accuracy, validity, and lawful standing of Wells Fargo Auto account ending in XXXX, which is being reported as a charge-off on my consumer credit file. This account is fraudulent and unauthorized due to improper assignment and lack of a verifiable chain of title or ownership. 

Pursuant to 15 U.S.C. XXXX ( Fair Credit Reporting Act ), 15 U.S.C. XXXX ( Duties of Furnishers ), and 15 U.S.C. XXXX ( Reinvestigation Requirements ), Wells Fargo is legally required to verify and prove the legitimacy of this account and its right to report such derogatory information. You are hereby notified that : No valid contract or lawful consideration has been provided establishing a debtor-creditor relationship between myself and Wells Fargo Auto under XXXX XXXX and XXXX. 

Wells Fargo has failed to provide evidence of ownership, endorsement, or transfer of the underlying note or asset, thereby invalidating any claim of charge-off reporting authority. 

The continued reporting of this account constitutes a willful violation of the Fair Credit Reporting Act and XXXX, and creates reputational and financial harm to me as the consumer. 

I am hereby demanding : The immediate deletion of the Wells Fargo Auto account ending in XXXX from all credit bureau files ( XX/XX/XXXX, and XX/XX/XXXX ). 

Written confirmation or responding here within XXXX business days that the deletion has been completed. 

Copies of all documentation relied upon to verify the accuracy and lawful ownership of this account, including the complete chain of title, assignment, sale, and endorsement records. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ),XX/XX/XXXX of XX/XX/XXXXXX/XX/XXXX( XXXX ), and, if necessary, civil legal action under 15 U.S.C. XXXX for willful noncompliance and damages. 

This letter serves as my formal notice under federal law. All further communication should be in writing only. 

Respectfully, XXXX XXXX XXXX : XX/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