vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
Dear Credit Bureau, I am writing regarding several negative accounts on my credit report. These accounts were opened as a result of identity theft and were not authorized by me. 
I am requesting that the listed accounts be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of accounts that need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove these accounts from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my credit card report to see I was sent to collections for a debt to which I never knew I owed. The company prior XXXX XXXX as well as XXXX  has posed as our prior renter company as well as XXXXXXXX XXXX to collect a fake debt to which weve clarified with the real company if we had a debt owed. They said no. They have used fraudulent emails- and have likely hacked our prior rental company and then sent us to collections. They sent the mail to my roommate XXXX XXXX to my prior address to which shes never lived. Its very clearly spam. I received the notice for XXXX XXXX, but I myself XXXX XXXX have not received a notification. I tried to call XXXX XXXX XXXX and have received no information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a purchase that totaled about {$70.00} and I open the credit card to get a discount but requested to have the charge added to my debit and gave my debit card to the cashier and I got a bill later. I called XX/XX/XXXX and requested to pay the whole balance and I was charge {$100.00}. Later, I found a charge of {$96.00} on my credit card.. I have already paid more than the original amount and was not told I would be charged more. I would like a refund of the unauthorized {$96.00} charge and a stop to any further charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Mortgage loan was XXXX Now we are with XXXX loan XXXX In XX/XX/XXXX, myself ( XXXX ) and my husband XXXX applied for home loan modification to reduce our mortgage payment. I received a denial letter from Wells Fargo Mortgage, and I was very disappointed, and I emailed Wells Fargo Home Loan Notification Dept. about my true disappointment and frustration because I had sent all of the documents that were requested to get the loan approved and I was told everything was good and completed. I was constantly checking the status of my home loan modification and in constant contact with Wells Fargo. Per my conversation with Wells Fargo the loan was originally denied and then within 2 weeks we received an approval letter for the home loan modification. 
Our house payment was originally {$2500.00} and we were approved for a 3year modification, and the new payment was {$1500.00} for 3years and then after the 3 years our payment did return to the original payment of {$2500.00}. Now we currently pay {$3100.00} and our rate is 4.625 % My husband ( XXXX XXXX called our present lender today XX/XX/XXXX XXXX to get our payoff amount. We were are aware of the $ XXXX lingering because of the loan modification that would need to be paid off at the end of the loan, but to our surprise today XXXX informed my husband that our home would be paid off in the year XXXX, we purchased the home in XXXX which is 16 years of living here and now we are being told by XXXX who bought the original loan from Wells Fargo that our home would be paid off in XXXX plus the additional balance of $ XXXX because of the home loan modification that we were not informed of this frivolous information and that the outstanding side balance would be due at the final payment, according to XXXX per Wells Fargo and per XXXX we still have 25 more years left to pay make payments on our home. Please help. Untrue & Unworthiness regarding our home loan modification by Wells Fargo.

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 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
* * Equifax Consumer Services * * XXXX XXXXXXXX XXXX XXXX, GA XXXX * * RE : Dispute of Medical Debt in Collections on Equifax Report * * * * Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTNAME XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an item that appears on my Equifax credit report. The account in question is a * * medical debt * * listed as being in collections, and it appears only on my Equifax report, not on my reports with XXXX or XXXX. This discrepancy is causing my credit report to be inaccurate and incomplete, which violates the * * Fair Credit Reporting Act ( FCRA ) * *. I demand immediate correction. 

Specifically, this account is listed under \ [ Creditor 's Name ] and should be removed due to the following reasons : 1. * * Violation of Accuracy Requirement ( FCRA 15 USC 1681e ( b ) ) * * : The information on my report is not fully accurate, as this account only appears on Equifax and not on the other two bureaus. Under the FCRA, all information reported to the credit bureaus must be accurate and complete. The incomplete nature of my report violates my rights under the FCRA.

2. * * Failure to Validate Debt ( FCRA 15 USC 1681i ) * * : I am entitled to dispute any inaccuracies, and as part of this process, Equifax must conduct a reasonable investigation. I request that you provide me with detailed proof that this debt is valid, including the original documentation, as required by law. If you are unable to do so, this account must be removed from my credit report.

3. * * Medical Debt Reporting and Protections * * : Under * * FCRA Section 605 * *, medical debt should not be reported for more than seven years. In addition, under * * 15 USC 1681c-2 * *, if medical debt is reported inaccurately or without proper validation, it should be removed from the report. I demand this medical debt be investigated and removed in compliance with these protections.

Given that this debt is not reflected on the other two bureaus, it is clear that it is being reported incorrectly or incompletely on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: UPGRADE, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate payment in my collections. The payment was submitted as of XX/XX/year> when I payed the debt to the company, XXXX. I should not have a collection from the company, XXXX. This item on my report is continuing to impact my XXXX XXXX negatively. Despite me paying off my debt this item remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. LATLY, I WILL BE INVOKING FERPA WHICH IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDRAY SCHOOL. 20 USC 1232g ( b ). BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. LATLY, I WILL BE INVOKING FERPA WHICH IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDRAY SCHOOL. 20 USC 1232g ( b ). BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL 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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am currently serving as an XXXX XXXX member of the United States XXXX, with Louisiana as my official home of record. I am writing to formally request interest rate relief under Louisiana Revised Statutes 29:312, which limits the interest rates that creditors may charge to XXXX XXXX service members and their spouses on obligations entered into on or after XX/XX/year>. 

Despite multiple attempts, I have not received clear guidance or assistance from Navy Federal Credit Union in applying this statute to my account. I am seeking not only a reduction in my current interest rate, but also a reimbursement of any interest paid beyond the allowable limit during my period of eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax under XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 5 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$500.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$5000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This inquiry was not authorized by me and does not reflect any credit application or transaction I initiated. I kindly request its immediate removal to ensure my credit report reflects only accurate 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 2025-06-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Usually, Every Month, Transunion has no problem updating my credit score, aside from my new update dates that have taken affect with XXXX and my new XXXX  XXXX card : Well, This month, after having paid off my former months debts, there was no update or change to my credit score-nothing literally changed on any of the XXXX plus credit monitoring apps that I have tracking my score. Typically with having paid them off, they either go up or go down-for some ridiculous reason and seeing as how they carried a balance the previous month-IT IS MORE THAN ASSUMED THAT MY SCORE OUGHT TO INCREASE. I waited several days after the regular reporting period and even called XXXX on the XXXX to have them re-report- which they graciously did and STILL NOTHING, XXXXXXXX XXXX XXXX The lady at XXXX XXXX gave a XXXX response so we wont count her, but still nothing-no update! I am requesting that Transunion reupdate and raise my credit score for the month of XXXX-I AM WATCHING YOU ALL INTENTLY. Do right by The American People for once! Bless You!

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Formal Identity Theft Dispute Under 15 U.S. Code 1681c2 ( FCRA 605B ) Request for Immediate Blocking and Removal of Fraudulent Accounts To Whom It May Concern at Tranunion, Equifax, Experian, I am writing to exercise my rights under 15 U.S. Code 1681c2 ( FCRA Section 605B ). This letter serves as a formal dispute and demand to block and remove all information from my credit report that was the result of identity theft, unauthorized use, or inaccurate reporting. These accounts are causing unjust harm to my credit profile and were not authorized by me. 
Below is a non-exhaustive list of disputed items that must be blocked immediately : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Others : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This correspondence is accompanied by : - A copy of my government-issued ID - Proof of address ( utility bill or equivalent ) - A copy of my FTC Identity Theft Report and/or police report - A marked copy of my credit report highlighting the disputed items You are required by law to block the reporting of this information within four ( 4 ) business days of receiving this notice. Failure to comply will result in legal action and regulatory complaints being filed with the CFPB, FTC, and State Attorney General. You may also be held liable for damages under 15 U.S. Code 1681n and 1681o.

Please respond in writing confirming the removal of all listed accounts. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief