vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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
Consumer complaint received 2025-10-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX - XXXX I stayed at the XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, for XXXX nights, XXXX XXXX XXXX. My hotel reservations were prepaid in full through XXXX on XX/XX/XXXX. When I arrived at the hotel on the evening of the XXXX, a hotel deposit was asked of me. They took a pending charge of {$250.00}. After returning home, this pending amount was charged my card. I disputed this charge with Citibank, but my claim was denied. However I now have written confirmation through an email acknowledging that the charge was made in error. I escalated this issue with Citibank six times through phone calls and a certified letter but have been denied each time without any proof or effort to contact the hotel.

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 monetary relief
Consumer complaint received 2025-10-02 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: IL

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  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/, Balance : {$0.00} 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, XXXX as proof from the US 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple unauthorized inquiries reporting on my TransUnion credit file. Rather than mailing the dispute separately, I am including my dispute letter as an attachment to this complaint so that the CFPB may directly forward it to the credit bureau. 
The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This approach ensures a verifiable chain of communication and gives me confidence that TransUnion will receive my request, acknowledge it, and respond as required under FCRA Section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital LLC says that I owe them {$760.00} from the date of XX/XX/year>. I dont know who this company is, I didnt sign or agree to pay this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On XX/XX/year>, I sold my vehicle to XXXX, and received a check from them, their bank is Wells Fargo. On XX/XX/year>, I went to the local branch ( above ) to verify the check and cash it. I was told there would be a {$10.00} fee for cashing it. A {$10.00} fee for cashing THEIR OWN CHECK????? This is outrageous! They need to be fined and I need to be compensated for my wasted time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NM

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX 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 2025-10-02 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:
I am filing this complaint as a victim of identity theft, which I believe stems from the Equifax data breach that exposed my personal information along with that of millions of other consumers. Since that breach, I have discovered accounts, inquiries, and activity on my credit report that I never authorized. These fraudulent items are damaging my credit profile and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain information contained in my Experian credit file pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I did not give written permission for any entity to place or furnish negative or adverse information in my credit file, yet such information currently appears on my report. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes and with proper authorization. If no such authorization exists, the reporting of such information is unlawful.

I am requesting that Experian immediately investigate this matter and provide : Proof of the permissible purpose that allowed the furnishing of the disputed accounts ; and Documentation evidencing that I gave written consent permitting this information to be included in my consumer file.

If Experian can not provide this proof, then the disputed information must be deleted from my credit file pursuant to 15 U.S.C. 1681i.

Please complete the reinvestigation within the 30 days mandated by law and send me written confirmation of your findings. Should Experian fail to comply, I will consider further steps to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am disputing a private student loan connected to XXXX XXXX XXXX ( XXXX ), which is currently being serviced and collected by MOHELA. 

XXXX was investigated by federal and state authorities and found to have engaged in widespread fraud, including false job placement statistics, misleading representations about credit transferability, and deceptive recruitment practices. XXXX closed in 2016 after these findings. 

As a result, many federal loans for XXXX students have been XXXX, and private loans issued through XXXX XXXX XXXX XXXX programs were also canceled under federal settlements. Despite these actions, MOHELA continues to attempt to collect on my XXXX private loan. 

My Concerns : This loan originated under fraudulent circumstances. 

MOHELA continues to pursue collections despite government settlements and discharges for similar XXXX loans. 

Negative credit reporting and collection efforts are causing me financial harm. 

Requested Resolution : Investigation into MOHELAs collection of XXXX loans. 

Discharge or cancellation of this loan. 

Removal of all related negative credit reporting. 

I am also filing related complaints with the South Carolina Department of Consumer Affairs and the South Carolina Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Climb Credit Inc.
State: AZ

Complaint narrative:
I do not know what Climb Credit is but it is listed on my credit. I never applied for this account so I do not know why it is listed. This was fraudulently added to my credit. Please review and remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
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 non-monetary relief
Consumer complaint received 2025-10-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reporting inaccurate credit reporting and possible FCRA violations by Wells Fargo Bank , N.A . ( WFBNA CARD ). 

This account was closed by the credit grantor on XX/XX/XXXX and charged off. However, Wells Fargo ( or the credit bureaus ) continue to re-age the account by changing the Reported or Date of Status field to XX/XX/XXXX, as shown in my recent XXXX  report via XXXX XXXX. 

Changing the reported date after charge-off is illegal under FCRA 623 ( a ) ( 5 ). This practice artificially extends the life of the derogatory mark and misleads creditors. 

I request the CFPB to investigate and require Wells Fargo to : Restore the accurate closure and status date ( XX/XX/XXXX ) Remove any unlawful re-aging or re-reporting dated XXXX Confirm compliance in writing. 

Attached are XXXX screenshots showing the contradiction : ( 1 ) Account details showing closure on XX/XX/XXXX ( 2 ) Current XXXX XXXXeport showing Reported : 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 2025-10-02 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX, I discovered XXXX unauthorized ACH transfers of {$3000.00} each from the XXXX XXXX XXXX XXXX  ( XXXX ) account of my business, XXXX XXXX XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called the bank immediately upon discovering these unauthorized ACH transfers. I later learned from XXXX that the {$9000.00} was transferred from my XXXX account into a Navy Federal Credit Union ( NFCU ) account. I have no relationship with NFCU, did not open an account with them, and never learned from NFCU that someone opened or was trying to open an account with them in the name of my business. 
XXXX notified me that the NFCU account number ends in XXXX XXXXXXXX, but that account no longer contains any recoverable funds. 
I filed a theft report with my local police department, and I filed a fraud report with NFCU on XX/XX/XXXX but have received no response to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am writing to formally dispute certain information contained in my Experian credit file pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I did not give written permission for any entity to place or furnish negative or adverse information in my credit file, yet such information currently appears on my report. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes and with proper authorization. If no such authorization exists, the reporting of such information is unlawful.

I am requesting that Experian immediately investigate this matter and provide : Proof of the permissible purpose that allowed the furnishing of the disputed accounts ; and Documentation evidencing that I gave written consent permitting this information to be included in my consumer file.

If Experian can not provide this proof, then the disputed information must be deleted from my credit file pursuant to 15 U.S.C. 1681i.

Please complete the reinvestigation within the 30 days mandated by law and send me written confirmation of your findings. Should Experian fail to comply, I will consider further steps to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. 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 2025-10-02 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
I am submitting this complaint as a follow-up to my previous disputes about hard inquiries that are still showing on my credit report. These inquiries are unauthorized and inaccurately reported. The creditors listed are : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not authorize these inquiries, yet they continue to appear on my report even after I disputed them with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I dispute the reporting of accounts not established by me. Please undertake a detailed audit and expunge these entries. Relevant documentation has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
My OneMain Financial account was paid in full and closed on XX/XX/XXXX. However, my credit reports are still showing late and missed payments being reported in XXXX, which is factually inaccurate since no payments were due after the payoff date. 

I contacted OneMain Financial to request correction and provided proof of payoff, but the inaccurate reporting has not been fixed.

Company response to consumer: Closed with explanation