vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-08 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel. by the silence of engelhardt. v gravens ( mo ) 281 SW715.719. I Presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$30000.00}, XXXX XXXX XXXXXXXX balance {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel. by the silence of engelhardt. v gravens ( mo ) 281 SW715.719. I Presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$30000.00}, XXXX XXXX XXXXXXXX balance {$720.00}.

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 explanation
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my recordsXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: MO

Complaint narrative:
b'They keep calling the company I work for asking for money I dont owe.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is still a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
My credit files have been repeatedly and improperly merged with my brothers across multiple credit reporting agencies, resulting in significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Equifax is reporting my brothers phone number as my emergency contact and shows an account opened in XX/XX/XXXX, which is patently inaccurate and impossible, as I was born in XXXX. 

Experian also reports this same XXXX account, further evidencing a mixed file and serious negligence in maintaining accurate consumer data. 

TransUnion appears to be blocking online access to my file, likely due to conflicting or mixed identity data, preventing me from exercising my rights under the FCRA to review my own file. 


These inaccuracies constitute a direct violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of information. They have failed to ensure my credit report is exclusive to my own identity and free from my brothers data, despite this causing material harm.

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 2025-07-08 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: IA

Complaint narrative:
My credit files have been repeatedly and improperly merged with my brothers across multiple credit reporting agencies, resulting in significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Equifax is reporting my brothers phone number as my emergency contact and shows an account opened in XX/XX/XXXX, which is patently inaccurate and impossible, as I was born in XXXX. 

Experian also reports this same XXXX account, further evidencing a mixed file and serious negligence in maintaining accurate consumer data. 

TransUnion appears to be blocking online access to my file, likely due to conflicting or mixed identity data, preventing me from exercising my rights under the FCRA to review my own file. 


These inaccuracies constitute a direct violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of information. They have failed to ensure my credit report is exclusive to my own identity and free from my brothers data, despite this causing material harm.

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 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have contacted both the Mohela in XXXX  and the Mohela in XXXX  multiple times to locate my missing payoff check. My title company mailed a check at the beginning of the year to pay off my balance and when they looked up the address online it gave them the XXXX  mohela address so they mailed it. My student loan apparently is with a XXXX  Mohela. Unbeknownst to us there are two mohelas. When I contact the Mohela in XXXX, they can not locate the check even though I have sent them proof that they have in fact received that check and in fact cashed it. They refuse to help me because they say they just can't find it. The mohela in XXXX  refuses to help me because they say they're not the ones that received the check. Even though they're the ones have my loan. Both companies are pretending that they are not capable of helping me and I have been dealing with this dozens and dozens of times since the beginning of the year attempting to have someone help me. They are absolutely refusing to help me. Meanwhile, they have my full payoff check in their bank account and I am still diligently making payments so that my credit is not negatively impacted. I don't know what else to do but I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : 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 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 Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-08 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: AZ

Complaint narrative:
please see attachments below! I have submitted multiple written disputes, each clearly citing the specific provisions of federal law that have been violated. Despite this, the inaccurate and fraudulent negative accounts remain on my credit report. I have made lawful requests, supported by documentation, which have not been properly addressed within the timeframes required under the Fair Credit Reporting Act. Your failure to take timely and corrective action constitutes continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, NC XXXX. 

XX/XX/year> To whom it may concern, I recently checked my credit report. I wanted to make sure everything was 100 % correct and accurate. 
I've seen some accounts that have already been paid in full and other accounts that DON'T belong to me. They're really hurting me. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX I ask that the integrity of each account and its information be investigated and, if it is inaccurate, removed from my credit report. 

I request that you investigate the integrity of all information and, if it is inaccurate, remove it from my credit report.

Pursuant to Title 15, United States Code, 1681i, Procedure for Disputes Regarding the Accuracy of Information, if you can not verify the accuracy of the information within 30 days, I request that you remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive,

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2025 I used my Bilt reward credit card to pay my bill of {$100.00} at the restaurant named XXXX XXXX XXXX XXXX XXXXXXXX XXXX After that, on tge same date, XX/XX/2025, there is another {$220.00} transaction made from the same restaurant posted on the same credit card. 

Then I called the credit card company to file a dispute and request a card replacement. They ask me to go to an offline XXXX XXXX financial center to file a replacement. When I ask if my card is suspended so no one can use it anymore, the customer service person directly end my call. 

It is understandable to ask me to go to a XXXX XXXX location in person to verify my identity, but it is absolutely not acceptable to directly hang up a customer 's phone call about a transaction dispute without answering their questions.

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 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
We agreed that they would charge my bank account {$290.00} every two weeks starting XXXX XXXX. They have not taking the money out of my account and they told me that if they tried to collect and it wouldnt go through, they would then request the entire amount full. Im worried that tomorrow. I will get a call saying that now because I missed a payment I owe the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A lot of my accounts was sold to a debt collector without my permission.Giving them my personal information even if they reported the account as charged off meaning they can no longer collect on that debt and XXXX  XXXX  and XXXX  refused to remove a lot of on accurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for reporting false information to my credit report without my authorization. The accounts in question are charged-offs, which should not be reported as income on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602, consumer reporting agencies must act with fairness and respect for consumers privacy rights. As a consumer, I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which mandates financial institutions to protect the privacy of consumers nonpublic personal information. 

Furthermore, 15 USC 1681 section 604 clearly states that consumer reporting agencies may only furnish reports according to the written instructions of the consumer. I have not provided such consent, in any form, to Equifax, TransUnion or Experian to share my information. All prior consents are hereby revoked. 

Additionally, the reporting of these charged-off accounts contradicts 15 USC 1681c ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse items of information beyond the legally permissible timeframe. The original accounts, categorized as charged-offs, represent a certificate of indebtedness and should not be reported as income, as income is not permitted on credit reports. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) prohibits a person from furnishing information to consumer reporting agencies if they know or should know the information is inaccurate. Equifax and Experian have failed to maintain reasonable procedures to prevent such violations as required by 15 U.S. Code 1681e. 

Lastly, I wish to invoke my right to opt-out of your reporting services as per 12 CFR 1016.7. 

I respectfully request an immediate investigation into this matter and the removal of any inaccurately reported information from my credit file.

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