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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-07-08 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: GA

Complaint narrative:
I am filing this formal complaint against TransUnion for willfully and negligently reporting inaccurate, unverified, and misleading information on my consumer credit report, despite my repeated attempts to dispute and resolve the matter directly with them. Their actions constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Below are the specific issues : Wrong Addresses Reported : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are not associated with me in any way. TransUnions failure to remove them after my disputes creates confusion with identity and violates FCRA 602 ( A ) and 607 ( b ), which require accurate reporting of personal identifying information. 

Unverified Charge-OfXXXX XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ) This account is reporting as a charge-off without proper verification, notice of default, or itemized proof. This violates FCRA 623, and the debt has not been validated in accordance with 15 U.S. Code 1681s-2 ( a ). 

Inaccurate Late Payment Reporting : XXXX ( Balance {$0.00} ) XXXX XXXX XXXX  ( High Balance {$710.00} ) These accounts are showing late payments without justification. Especially in the case of a {$0.00} balance, the late status is contradictory and misleading. TransUnion has refused to investigate these inconsistencies, which violates FCRA XXXX. 

Multiple XXXX XXXX Without Notice or Validation : XXXX XXXX XXXX ( Various accounts dated XX/XX/XXXX & XX/XX/XXXX ) with balances ranging from {$650.00} to over {$29000.00} These medical collections were never communicated to me. I received no notice, bills, or explanation of services. This violates FCRA 604, 609, and FDCPA 809 ( a ). Some entries appear duplicated or inflated, which is deceptive reporting. 

Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize this hard inquiry. Reporting an inquiry without my consent is a violation of FCRA 604, and TransUnion has failed to remove it despite my previous dispute.

Relief Requested : Immediate deletion of all unverifiable, inaccurate, and unauthorized items listed above.

Full investigation into TransUnions reinvestigation practices.

Enforcement actions against TransUnion for repeated violations of consumer rights. 

I am requesting the CFPB to intervene and compel TransUnion to comply with federal laws. Their continued failure to respond adequately is causing me harm, including credit denials, increased financial stress, and emotional distress.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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: 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: AL

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. 

Please find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).

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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was selling a dirt-bike on XXXX marketplace XXXX A buyer commented their interest in a local XXXX group for my town. Their profile mustve been stolen because it looked like a family with kids that lived in my area. So we were messaging back and fourth about the bike, and they told me they could pick it up that day and to give them my XXXX. I gave them my number and they attempted to pay me the XXXX it costed for the bike. This apparently didnt work because my account wasnt upgraded and there was a limit. Somehow this scammer got my email because there were very legitimate looking emails that I was getting from XXXX regarding all this. From there I was put onto a call with a fake XXXX representative who helped me drain {$1100.00} from my account via XXXX and XXXX XXXX. {$500.00} on XXXX {$600.00} on XXXX XXXX. I was directed to send {$600.00} through XXXX which only let me send {$500.00}, and then told to send the {$600.00} elsewhere which was XXXX XXXX. There was a very deliberate prompt that was perfectly personalized to the situation I was in to get me to send more.This was shocking after I realized it was a scam, mainly because how real the emails looked and how I the only information I gave them was my phone number and they knew my name already. I am a younger person who usually wouldnt fall for any sketchy things on the internet, but with the use of what I think is AI and sneaky tactics it is very believable. I am now out XXXX and Im going off to college this fall and couldve really used that money.

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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and unverifiable information appearing on my credit report.

I disputed this information with the credit reporting agency [ XXXX ] and the original creditor or furnisher, but the item ( s ) remain on my credit report without proper verification or correction. According to the FCRA, consumer reporting agencies must investigate disputed items and remove any information that can not be verified within 30 days.

Despite my request and the passage of the allowable timeframe, the information remains unchanged and no valid proof or documentation has been provided to confirm its accuracy. This is a violation of my rights under federal law.

I am requesting that the CFPB investigate this matter and ensure that the credit bureaus and/or furnisher either provide proper verification or immediately delete the unverifiable item ( s ) from my report, as required by the FCRA.

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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX  - Account Number : XXXX - Date Opened : XX/XX/year>XXXX  - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place.

If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX  - Account Number : XXXX - Date Opened : XX/XX/year>XXXX  - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place.

If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

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: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian Credit 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 XXXX, CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2100.00}

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: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
HARRIS AND HARRIS have repeatedly violated the ( FDCPA ) Fair Debt Collections Practices Act at the federal level and how now violated the ( MDCPA ) Maryland Debt Collections Practices Act at the state level because I am a Maryland resident who works in Washington , DC. This debt collector refuses to send me written communications to support their debt collections actions and instead has used every communication attempt outside of written communication to collect payments. They went from sending text messages to now calling me over the phone and when requested information in writing to validate the debt when they text me they instead chose to start calling me in an attempt to collect a payment. I have not received anything in writing from this debt collector and now they have proceeded to calling me without my consent even though I have requested information in writing via text message to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
I was approved for total discharge XX/XX/year>. I had three providers. XXXX, XXXX, and Mohela. Mohela is the only one that is refusing to discharge my student loans. They keep mentioning XXXX is the date they are holding my loan before they discharge it. This makes no sense.. They keep giving me the run around. No further docs are needed. They first said my address and name was wrong but clearly on their letter head asking me to correct this. My info was correct with name address, etc, but I still sent verification to them. My discharge supersedes anything else that they got going on regardless of my loan, because I was approved for it. They keep hanging -up on me, when I ask for a supervisor, with no return calls. This is the fourth time. Approved discharged are to take effect immediately.nit when they think it should. Mohela has lawsuits. I feel they do not know how to discharge or need training on procedures for discharges.. Please have them to remove All my student loans with them. I need a date that it will be removed and reported to all credit bureaus.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief