vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Information under 15 USC 1666B Dear Experian Dispute Department, I am writing to formally dispute certain information in my credit report ( Social Security Number : [ XXXX ] ), which I believe is inaccurate or outdated according to the Fair Credit Reporting Act ( 15 USC 1666B ). 

Specifically, I am disputing the following details : XXXX XXXX XXXX payments I request that you conduct a thorough investigation of this information under your statutory obligation to correct or delete inaccurate, incomplete, or outdated information. Please provide me with the results of your investigation and a copy of the updated credit report once your review is complete. 

Enclosed are copies of supporting documentation to substantiate my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ask for proof of rhe loan and where banks loan money, I ask for proof of the original contract with my wet ink signature and a check or a bank loan they gave that didn't come from my signature cause by federal law banks don't loan money title 12 usc 1431 explains this, I sent them a debit validation and they couldn't prove the debit they sent me a ran off copy of the copy contract that the dealership sent them cause the original copy of the contract have to stay with the original company, I have reached out to both companies on this matter and I know that I am the creator and not the borrower they are and that they never gave me any money and the money came from my signature from the federal reserve then they took the money free and gave me aloan from my money to pay again I never received my title by federal law when I gave my signature So again where do banks loan money??? I haven't received my title and they have went against the laws of the federal government in stilling money and then making us pay back on a loan thats already paid, Title 8 usc 18 clearly say the u.s is responsible for all debt, By federal law gold or silver is the only true money so if we are not exchanging that where is any money cause that paper money is a debt note.... So I have reached out to both companies and I dont get what's old to me and my money back and the title i will be filing a lawsuit with the federal courts and then they will have to proof what im saying is not true and by federal law anything I saying is fact..

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only contain accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Experian Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act. I obtained my credit reports and found multiple errors in both my personal identifying information and account reporting. I have disputed these inaccuracies and provided supporting documentation, yet the bureaus have failed to correct or verify the disputed items as required by law. 

Under 15 USC 1681i I requested a full reinvestigation and the method of verification used to confirm each disputed item. I also requested disclosure of the procedures and documentation used in the reinvestigation process as required by 15 USC 1681i 7. To date none of the bureaus have provided the required information including the names addresses and contact details of the furnishers that were allegedly contacted.

The bureaus are reporting false and outdated information including incorrect former names such as XXXX XXXX and XXXX XXXX multiple old addresses including XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX NC as well as inaccurate employers such as XXXX XXXX and XXXX  XXXX. In addition several accounts and inquiries remain on my reports that are inaccurate or unauthorized including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The bureaus have failed to maintain reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b. They have also failed to delete unverifiable or inaccurate information as required under 15 USC 1681i a 5. Their lack of response and incomplete reinvestigation show clear noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am formally contesting any unverified or undocumented information in my credit report, in accordance with the FCRA and XXXX XXXX reporting standard. Unsubstantiated claims and false allegations are unacceptable. Ensure accurate and lawful reporting. Provide physical evidence or remove erroneous claims. Mail documentation and updated credit report. I express deep disappointment and frustration regarding the inclusion of untruthful or unsupported information in my credit report. Violations of the FCRA and XXXX XXXX reporting standard are apparent. Uphold accurate and lawful reporting practices. Substantiate claims with physical evidence, or promptly remove them. Send me physical documentation of your actions and the updated credit report as authorized. 

JEFFCAPSYS - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only contain accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am filing a privacy and data deletion complaint against USAA. 

I created an online account with USAA when I was trying to apply for auto insurance. I was not aware that USAA services are limited to military members and their families. After completing the registration, I was informed that I was ineligible for membership because I am not military. 

I immediately attempted to delete my account and personal information, but USAA refused to delete it. I contacted customer service multiple times, and each time I was told that they could not remove my personal data or delete my account. This is very concerning, as they currently have my full name, date of birth, address, phone number, and email stored in their system even though I never became a member or used any of their services. 

I am requesting that USAA permanently close my online account and delete any personally identifiable information ( PII ) that is not required to be retained by law. I am also requesting confirmation of this deletion in writing. 

Please have USAAs Privacy Office respond with a clear explanation of what data is being retained, under what authority, and confirm that my account access has been terminated.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, corrected or 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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a dispute concerning inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that some of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX OF XXXX * * * * Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}

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 2025-10-30 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: GA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : 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 explanation
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
NOTICE OF BILLING ERROR AND REQUEST FOR REMOVAL OF LATE PAYMENTS Pursuant to 15 U.S.C. 1666 ( a ) and ( b ) Fair Credit Billing Act Re : Disputed Late-Payment Entries/ Billing Errors This correspondence constitutes a formal written notice of billing error under the Fair Credit Billing Act, 15 U.S.C. 1666 ( a ) and ( b ), for the accounts listed below. Each account has been reported with alleged late-payment notations that are inaccurate, incomplete, or otherwise constitute a billing error within the meaning of 1666 ( b ) ( 5 ) and ( b ) ( 6 ). 


# Creditor / Furnisher Account Number Nature of Error 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I am submitting a written billing-error notice to the creditor under 15 U.S.C. 1666 ( a ) on [ XX/XX/XXXX ] ; a copy is attached. Under 15 U.S.C. 1666a and related Regulation Z protections, the furnisher/creditor must investigate billing errors and refrain from adverse reporting on disputes of billing errors. Please reinvestigate and delete or block the inaccurate late payment ( s ) from my consumer file unless you can provide reliable, documented proof that the reported delinquencies are accurate. If you continue to report the item, please provide the complete documentation you relied on ( account notes, payment posting history, chain of custody of any alleged chargebacks or adjustments ).

Please complete your investigation, and method of investigation, and notify the consumer of your results in writing within the time permitted by the Fair Credit Reporting Act ( FCRA ) and furnish copies of any findings or documentation. I enclose copies of documents supporting my claim. If you find the information is inaccurate, please promptly remove or correct the entry and send me written confirmation of deletion or correction, and notify all other consumer reporting agencies to which you have furnished the information.

Instructed Remedy Remove or correct all inaccurate late-payment notations for the accounts listed above.

Update consumer account histories to reflect Paid as Agreed Never Late.

Provide written confirmation of corrections within 30 days of receipt.

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 2025-10-30 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: VA

Complaint narrative:
NOTICE OF BILLING ERROR AND REQUEST FOR REMOVAL OF LATE PAYMENTS Pursuant to 15 U.S.C. 1666 ( a ) and ( b ) Fair Credit Billing Act Re : Disputed Late-Payment Entries/ Billing Errors This correspondence constitutes a formal written notice of billing error under the Fair Credit Billing Act, 15 U.S.C. 1666 ( a ) and ( b ), for the accounts listed below. Each account has been reported with alleged late-payment notations that are inaccurate, incomplete, or otherwise constitute a billing error within the meaning of 1666 ( b ) ( 5 ) and ( b ) ( 6 ). 


# Creditor / Furnisher Account Number Nature of Error 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I am submitting a written billing-error notice to the creditor under 15 U.S.C. 1666 ( a ) on [ XX/XX/XXXX ] ; a copy is attached. Under 15 U.S.C. 1666a and related Regulation Z protections, the furnisher/creditor must investigate billing errors and refrain from adverse reporting on disputes of billing errors. Please reinvestigate and delete or block the inaccurate late payment ( s ) from my consumer file unless you can provide reliable, documented proof that the reported delinquencies are accurate. If you continue to report the item, please provide the complete documentation you relied on ( account notes, payment posting history, chain of custody of any alleged chargebacks or adjustments ).

Please complete your investigation, and method of investigation, and notify the consumer of your results in writing within the time permitted by the Fair Credit Reporting Act ( FCRA ) and furnish copies of any findings or documentation. I enclose copies of documents supporting my claim. If you find the information is inaccurate, please promptly remove or correct the entry and send me written confirmation of deletion or correction, and notify all other consumer reporting agencies to which you have furnished the information.

Instructed Remedy Remove or correct all inaccurate late-payment notations for the accounts listed above.

Update consumer account histories to reflect Paid as Agreed Never Late.

Provide written confirmation of corrections within 30 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting this complaint regarding inaccurate information that appears on my credit report and is causing harm to my creditworthiness. Specifically, I am disputing an unauthorized credit inquiry and incorrectly reported late closed accounts that appeared on my credit report without my consent or verification. 
Upon reviewing my credit report, I was surprised to find that XXXX accessed my credit file on XX/XX/XXXX. I have no recollection of granting permission for this inquiry, nor did I initiate any credit application that would justify such access. Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when there is a permissible purpose, and I did not give consent. I am formally disputing this inquiry and requesting its removal. 
Additionally, I noticed the following late closed accounts that are being reported inaccurately : XXXXXXXX XXXX ( Account No. XXXX * ) showing a balance owed of {$0.00}. 
XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, with a balance owed of {$7700.00}. 
Both of these accounts are reported as late, despite being closed or reflecting no ongoing delinquency, which is misleading and damaging to my credit standing.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they report. The continued reporting of these unverified inquiries and inaccurate late closed accounts violates this requirement.

In addition, FCRA 611 ( a ) ( 15 U.S.C. 1681i ) mandates that a consumer 's credit report be reinvestigated if there is a dispute, and if the disputed information can not be verified as accurate, it must be removed.

Lastly, under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ), I have the right to obtain and review all records used to verify the information. I am requesting disclosure of any documentation, such as payment history, account statements, or signed authorizations, that prove I authorized the XXXX inquiry or validate the accuracy of the late closed accounts. If no such documentation exists, these items must be removed immediately. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your attention to this matter. I trust you will assist in ensuring that my credit report reflects only accurate, verified information, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of certain accounts and inquiries that have appeared on my TransUnion credit report following the recent data breach incidents that have impacted consumer information nationwide. My personal identifying information may have been compromised, resulting in the unauthorized reinsertion or reporting of inaccurate data. 
Accounts in Dispute : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$280.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$170.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-10-30 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 non-monetary relief