vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$80.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
Dear CFPB Enforcement Division, I am filing a formal complaint regarding XXXX XXXX XXXX, and several third-party debt collectors. My credit reports dated XX/XX/XXXX, contain multiple items that are unverifiable, inaccurate, incomplete, or obsolete. These violations have caused significant harm to my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). 

Disputed Accounts & Violations XXXX XXXX {$470.00} No original creditor listed on any bureau. 
Violations : FCRA 609 ( a ) ( 1 ) ( failure to identify original creditor ), FCRA 607 ( b ) ( accuracy ), FDCPA 1692g ( b ) ( failure to validate debt ). 

XXXX XXXX XXXX {$3700.00} No original creditor identified across all bureaus. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ), FDCPA 1692g. 
XXXX XXXX XXXX {$470.00} Missing original creditor. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ).

Aldous {$180.00} ( TransUnion only ) No original creditor, unverifiable. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ). 

XXXX XXXX {$1100.00} ( Opened XXXX ) More than XXXX XXXX XXXX ; obsolete. 
Violation : FCRA 605 ( a ) ( 5 ).

WebBank/Fingerhut Severe lates from XXXX Negative payment history older than 7 years. 
Violation : FCRA 605 ( a ) ( 5 ). 

Other Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ) Show inconsistent balances, missing contact info, and conflicting reporting across bureaus. 
Violations : FCRA 607 ( b ) ( maximum accuracy ), FCRA 609 ( a ) ( 1 ) ( incomplete disclosures ).

Relief Requested Immediate CFPB enforcement action against the credit bureaus and debt collectors listed. 
Permanent deletion of all accounts that can not be fully verified with complete and accurate documentation. 
Written confirmation of compliance within 30 days, per FCRA 611.

Legal Basis FCRA 605 ( a ) ( 5 ) : prohibits reporting accounts older than 7 years ( 10 years for bankruptcies ).

FCRA 607 ( b ) : requires bureaus to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : requires disclosure of the original creditors name and address.

FCRA 611 : requires reinvestigation of disputed items.

FDCPA 1692e, 1692g : prohibit misrepresentation of debt and require validation of disputed debts. 

These violations are clear, repeated, and harmful. I am requesting CFPB oversight to ensure permanent deletion of all unverifiable, inaccurate, incomplete, and obsolete accounts from my credit reports. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX Wells Fargo stole my car, falsely misapplying my payments since XXXX of 2023. Instead of my payments going to the principal balance, Wells Fargo has intentionally applied payments to fees and interest when the payment is made on time. My attorney and I will see Wells Fargo in court.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing several unauthorized hard inquiries on my credit report. I never applied for credit nor authorized these companies to access my credit file. 
Please investigate and request the credit bureaus to remove the following inquiries made without my consent 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 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 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

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: FL

Complaint narrative:
I am disputing incomplete and inaccurate reporting on my credit file. 
My Ava account ( Account number ending in ) was opened on XX/XX/XXXX, with an original balance of {$300.00}. 
The account shows status as Paid or paying as agreed. 
However, my payment history has not been updated after XX/XX/XXXX. Payments made in XXXX, XXXX, and XX/XX/XXXX are missing. 

On XX/XX/XXXX, I took a photo of my credit report ( attached ) which shows the most recent update as of XX/XX/XXXX. This proves that XXXX  has not received or reflected my on-time payments for the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX. 



CFPB Complaint American Education Services ( AES ) Category : Student Loan Servicing / Credit Reporting Company : American Education Services ( AES ) Summary : Reporting without proof of wet-ink signature Complaint : AES is reporting a student loan account to the credit bureaus without possessing the original wet-ink signed Master Promissory Note ( MPN ). Instead, AES provided a defective XXXX  with only printed numbers in the signature field, which can not establish legal standing or enforceability. 

The loan was originally issued by XXXX and later securitized. AES has failed to demonstrate valid assignment or ownership. 

By continuing to report negatively, AES has violated : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) furnishing inaccurate information and failing to reasonably investigate after dispute. 
- Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788.17 prohibiting collection without proof of debt. 

As a direct result of AESs unlawful reporting, I have been denied mortgage financing, credit card and suffered reputational and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : LVNV Funding, LLC XXXX. XXXX XXXX XXXX, SC XXXX Re : Account # XXXX Alleged Balance : {$33.00} Original Creditor : XXXX XXXX XXXX  XXXX NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account. 

Validation Required Provide a legible copy of the original signed contract or obligation, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from XXXX XXXX, and XXXX. 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ). 

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXXXXXX  and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I previously submitted a complaint regarding my FHA mortgage and a fraudulent subject-to transaction involving a dissolved LLC and a trust. The deed was taken out of my control and later returned to my name, but during this time I lost full access to my mortgage account. I am now filing again because the issues have not been resolved, and new evidence has come to light. 

Loss of Account Access : I can no longer log in to HomeLoanServ with my email. I have screenshots showing invalid login attempt messages. This has prevented me from monitoring my loan, escrow, and payments. 

Fraudulent Entities : The company involved used a dissolved LLC with a misspelled address on filings. This appears to have been done deliberately to confuse records and cover their tracks. 

Insurance Fraud Attempt : I have written proof ( emails from XXXX XXXX XXXX, working with XXXX XXXX team ) where they requested my Date of Birth in order to place a homeowners insurance policy in my namewhile other people occupied the property. This was without my knowledge or consent and is a direct attempt to commit insurance fraud using my identity. 

Ongoing Risk : HomeLoanServ has responded that the issue is between me and the XXXX, but I am the legal borrower and deed holder of record. I should not face foreclosure or delinquency due to fraudulent actions taken by third parties while I was locked out of my own account. 

Requested Resolution : Restore my full access to my mortgage account. 

Correct all records to reflect that I am the borrower and deed holder. 

Investigate and hold accountable the parties who attempted insurance fraud using my identity. 

Ensure I am not penalized, reported delinquent, or forced into foreclosure as a result of these fraudulent actions. 

This is an urgent matter because I can not protect myself or the property while locked out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This Notice formally advises USAA Federal Savings Bank that its XX/XX/XXXX Simple Interest Note, Disclosure, and Security Agreement contains multiple violations of the Truth in Lending Act ( 15 U.S.C. 16011666j ), the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), the Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ), the False Claims Act ( 31 U.S.C. 37293733 ), and criminal statutes under Title 18, including but not limited to mail fraud ( 1341 ), wire fraud ( 1343 ), bank fraud ( 1344 ), false statements ( 1014 ), and false entries in bank records ( 1005 ).

Plaintiff/Consumer has previously attempted to resolve this matter administratively by requesting validation that the alleged consumer credit transaction was a personal obligation rather than an obligation of the United States . Defendant/USAA failed to provide such validation. Under congressional definition, a consumer is a Natural Person, and therefore USAA, as a financial institution and a fictitious entity, can not lawfully be considered the consumer nor the originator of the credit. The extension of credit lawfully arises from the Natural Person, while the institution merely acts as an intermediary. Any contrary treatment constitutes a fundamental misapplication of the transaction and a misrepresentation of the legal obligation. 
FTC Report : XXXX Notice/Affidavit mailed 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously disputed a student loan account that was showing inaccurately on my TransUnion credit report. After my dispute, the account was deleted. Later, TransUnion reinserted the same account without notifying me, which violates FCRA 611 ( a ) ( 5 ) ( B ).

I was never sent a notice within 5 business days of reinsertion, and I was not provided verification or proof from the furnisher. This is not compliant with the Fair Credit Reporting Act. I am requesting the immediate deletion of this account and an investigation into how it was reinserted without my knowledge.

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 2025-09-08 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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