vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally demand that you immediately cease and desist all collection activities and/or credit reporting related to the account listed below : Original Creditor : XXXX XXXX  XXXX XXXX Amount in Dispute : {$700.00} I dispute the validity of this account and request that no further attempts to collect this alleged debt be made. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you cease further communication with me. Additionally, if this account is being reported to any credit bureau, I demand that you investigate its accuracy and, if it can not be fully verified, remove it from all credit reporting databases.

Please provide written confirmation that : 1. All collection activities have ceased.

2. The account is no longer being reported, or that a dispute notation has been added to any reports.

3. If you believe this debt is valid, provide full validation including the original contract or proof of debt ownership.

If you continue to contact me regarding this matter or fail to comply with the obligations outlined in the FDCPA and the Fair Credit Reporting Act ( FCRA ), I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal remedies.

This letter serves as a formal record of my dispute and demand. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I disputed a XXXX XXXX account appearing on my Experian credit report, which is negatively impacting my score. Experian processed the dispute in XX/XX/year>, but failed to provide : A detailed method of verification ( as required by FCRA 611 ) The name and contact information of any party they contacted Any supporting documentation used to verify the account The reinvestigation appears to be superficial or automated, not compliant with federal law. I was not given a chance to properly challenge the item, and no actual investigation details were provided just a generic status update. 

I am requesting full deletion of the XXXX XXXX XXXX due to : Procedural failure by Experian under FCRA 611 Failure to disclose verification method under 611 ( a ) ( 7 ) Continued furnishing of unverifiable or inadequately investigated data If not resolved promptly, I will pursue regulatory escalation and consider legal remedies under FCRA 616 and 617.

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 2025-07-09 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: MD

Complaint narrative:
I disputed a XXXX XXXX account appearing on my Experian credit report, which is negatively impacting my score. Experian processed the dispute in XX/XX/year>, but failed to provide : A detailed method of verification ( as required by FCRA 611 ) The name and contact information of any party they contacted Any supporting documentation used to verify the account The reinvestigation appears to be superficial or automated, not compliant with federal law. I was not given a chance to properly challenge the item, and no actual investigation details were provided just a generic status update. 

I am requesting full deletion of the XXXX XXXX XXXX due to : Procedural failure by Experian under FCRA 611 Failure to disclose verification method under 611 ( a ) ( 7 ) Continued furnishing of unverifiable or inadequately investigated data If not resolved promptly, I will pursue regulatory escalation and consider legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Illegally Sabotaged My XXXX Credit Score With False Late Payments ( Loan # XXXX ) 1. My Credit Was Perfect Until Payoff : XXXX Credit score before paying off my loan ( proof available ). 

Never latenot oncebefore or during forbearance ( XXXX XXXX XXXX ). 

Sold home in XX/XX/year> Loan paid in full ( no lates possible ).

2. Wells Fargos Fraudulent Reporting : XXXX  : " 120 days late '' ( false -I was in forbearance! ) XXXX  : " 180 days late '' ( impossible -loan was paid! ) " Unknown '' statuses ( nonsense for a closed account ). 

3. Proof Theyre Lying : Forbearance approval letter ( XXXX XXXX XXXX ) Attached XX/XX/year> letter ( " {$0.00} balance '' /removed from assistance ) Attached Home sale documents ( paid in full XX/XX/year> ) Attached 4. Federal Law Violations : CARES Act 4022 : Forbearance = " Current '' reporting.

FCRA 623 : Paid loans CANT show lates.

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 2025-07-09 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: CO

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Despite filing a formal dispute with Equifax, multiple accounts that I challenged remain on my credit report without verification or correction. I believe these accounts are either inaccurately reported or unverifiable, and Equifax has not provided sufficient documentation to justify their continued presence. These items negatively impact my credit standing and reflect a potential violation of the Fair Credit Reporting Act ( FCRA ). 

The disputed accounts are as follows : XXXX XXXX XXXX  ( Account ending in XXXX ) : Reported with late payments. I have disputed this previously and have not received proper verification. 

XXXX XXXX XXXX ( Account ending in XXXX ) : Also showing late payment history, which I believe to be inaccurate. 

XXXX XXXX XXXX ( Account ending in XXXX ) : Reported as charged off. This account was previously addressed and remains unresolved without supporting evidence. 

Department of Education / XXXX  ( Account # XXXX ) : A federal student loan account reflecting incorrect late payment reporting. 

I previously submitted a reinvestigation request under my rights in accordance with FCRA Sections 611 and 623, but Equifax failed to : Provide documentation used to verify the accuracy of these accounts. 

Identify the name and contact information of the individuals or departments responsible for the investigation. 

Remove or correct unverifiable or inaccurate information as required under Metro 2 compliance standards.

I respectfully ask the Consumer Financial Protection Bureau ( CFPB ) to investigate Equifax 's failure to follow proper reinvestigation procedures. Specifically, I request : Immediate removal or correction of all disputed and unverified accounts.

A full explanation of Equifaxs reinvestigation process in these cases.

Enforcement of compliance with FCRA, particularly around the duty to investigate and correct inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was trying to pay for my sons tuition for school. Using my Chase freedom unlimited visa card was what I was using to process the payment for {$13000.00} on XX/XX/year>, which is a {$50.00} fee each time they process a payment, for it to reject as fraud. I received a text as well as an email from the credit card company to confirm that was me making the transaction. I replied yes to confirm it was me and got a response to have them reprocess the transaction. I had the school process the payment again costing me an additional {$50.00} for the payment to be denied again for fraud. I called the credit card company on XX/XX/XXXX and verified everything through them that they needed and was told everything was cleared and they could process the payment again and it would go through. I asked her if she could email something to say that we spoke and my card would be good to go as she said but she said that wasn't possible. I reached out to my sons school to process the payment again, another {$50.00} fee for me, for it to be denied again for the same reason. I called the credit card company again same process and the guy said it was good to go. I wanted to speak to a supervisor at this point to make sure as I already did all this. He transferred me to his supervisor and he added some additional safe guards to make sure it would go through and assured me we were good. I asked who I could complain to about this issue I was having as they are telling me my card is good to go and I am believing them and each time it is costing me {$50.00} fees so I'm out now {$200.00} now because they denied the charge. He said basically no one and he was the guy to talk with and that he assured me I was good to submit the charge again. I contacted the school and asked them to again process the charge to only be denied again. This is complete fraud on the credit card company 's end. They are ensuring me they did what needed to be done on their end and telling me to process the transaction again. This cost me additional fees for it to never be approved. They are not allowing me to use the card they provided me and are preventing me to pay for my sons schooling and causing me issues of additional fees, potential loss of my son 's spot as now my pay for his tuition is late. I'm on my honeymoon currently and spending hours out of my planned trip I spent good money on to be dealing with their constant issues and lies being stressed and worked up about all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: ID

Complaint narrative:
On XX/XX/year>, I submitted a complete loss mitigation assistance package to Planet Home Lending for my VA-backed mortgage. On XX/XX/XXXX, XXXX acknowledged in writing that the package was received and that they were seeking third-party ( investor ) approval before completing their review. I have received no denial or final decision as of this date ( XX/XX/year> ). 

On or around XX/XX/year>, Planet reported a Grid Code 4 ( 120 days delinquent ) mark to the credit bureaus. This is the first time any derogatory information has been reported on my or my wife 's credit for this mortgageeven though my prior repayment plan had lapsed. 

This credit reporting was submitted while my complete hardship package wasand remainsunder formal review. This appears to violate both Regulation X ( 12 CFR 1024.41 ), which prohibits punitive or misleading action during protected loss mitigation review, and the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

XXXX XXXX XXXX XXXX XXXX, and this is a VA-backed loan. I am requesting immediate investigation, credit reporting correction, and enforcement of my rights as a protected borrower under federal law.

Company response to consumer: Closed with explanation