vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear XXXX : You are reporting inaccurate information on my credit report. Please investigate the following items, and promptly remove them from my credit file! inaccurate information is illegal. Theses things are stopping me from going further in life please help. 


Creditor : XXXX XXXX, Account : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Past due status are not correct and is inaccurate and needs to be deleted. Payment status not correct. I have Fraud charges on this account And I have a XXXX XXXX sheriff police report show I lost my wallet twice. Please remove while investigation I am a fraud victim with this account Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please see the attached documents as confirmation of my identity.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-25 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: DC

Complaint narrative:
I have requested multiple times that both these accounts and inquiries be investigated, and removed from my account for reason of improper use of my credit report by manipulating my Fair Credit Report Act rights for months on end. I also request any of inquiries, hard or soft be removed from my report as well.

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 2025-05-25 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: DC

Complaint narrative:
I have requested multiple times that both these accounts and inquiries be investigated, and removed from my account for reason of improper use of my credit report by manipulating my Fair Credit Report Act rights for months on end. I also request any of inquiries, hard or soft be removed from my report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request reimbursement of {$300.00} in fees charged by the seller due to a delay in the escrow process for my mortgage loan. This delay was caused solely by the underwriters processing timeline, over which I had no control. 
As the borrower, I fulfilled all obligations promptly, providing all requested documentation in a timely manner ( within a few hours ). Additionally, I proactively inquired on multiple occasions whether an extension of the escrow period was necessary to avoid delays. ( Through text messages ) Each time, Wells Fargo representatives assured me that the closing would occur on time and that no extension was required. Despite these assurances, the underwriting process extended beyond the agreed-upon closing date, resulting in the seller imposing a {$300.00} penalty fee. Given that this delay was attributable to Wells Fargos underwriting process and contrary to the guidance provided to me, I respectfully request that Wells Fargo reimburse me for this financial loss. 
I contacted Wellsfargo and they refuse to reimburse me the {$300.00} charge.

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 2025-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I charged XXXX on my Home Depot Card Account Ending XXXX on XX/XX/year> with a payment due date of XX/XX/year> and Home Depot shows having received the payment of XXXX on XXXX XXXX. At this point I was charged a late fee of XXXX plus interest of XXXX leaving a balance on the account of XXXX. The next month I was charged XXXX late fee and interest. Then next statement charged me XXXX late fee and interest. I received a notice from XXXX Bank stating that I owed XXXX so I immediately paid it, not realizing what I had paid lates and interest charged on late fees and interest. 

The thing that is so upsetting is not only will Home Depot, but Citi Bank will ruin my credit. Home Depot has reversed XXXX but refuse to reverse the other late fees and interest. I have always paid my account in full even though it is a revolving account. It seems unfair that I will get two dings. I have worked hard at trying to get a good credit score and I was told that it is illegal to charge fees and interest on top of fees and interest.

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 2025-05-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-25 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:
I have recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my credit report because they are hurting my ability to obtain new credit.

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 2025-05-25 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: CA

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are seriously affecting my life and financial stability, especially during an already challenging time. I respectfully urge you to correct or remove these inaccuracies as soon as possibleit would truly be a significant relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MA

Complaint narrative:
I am filing a formal complaint regarding an unauthorized hard inquiry reported on my credit report with all bureaus, and mainly Experian. I did not apply for credit, authorize, or grant permission for this company to access my credit report. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for this inquiry. I have not provided written, verbal, or electronic consent to this company to obtain my credit report.

This unauthorized inquiry is adversely affecting my creditworthiness and violates my rights under the FCRA. I have contacted the credit bureau and the company listed below to dispute this inquiry and request its removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiry : Inquiry : Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX I am requesting immediate deletion of this unauthorized inquiry from my credit report, in accordance with the FCRA. This inquiry was made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have it removed.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXXXXXX {$440.00},,, ,XXXX XXXX {$1000.00},,, XXXX XXXX XXXX {$910.00},,,,, XXXX XXXX XXXX {$710.00}.

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 2025-05-25 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information in my credit report, pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i. I request that your agency conduct a reasonable reinvestigation of the following item ( s ) and take appropriate action, including correction or deletion, if the information is found to be inaccurate or unverifiable.

Under FCRA 1681i, you are required to : Conduct a reasonable reinvestigation of the disputed item ( s ), Notify the furnisher ( s ) of my dispute, Complete the reinvestigation within 30 days, Remove or correct any information found to be inaccurate, incomplete, or unverifiable, Notify me of the results in writing.

If the investigation does not resolve my dispute, I request that a statement of the dispute be included in my file and in future reports. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and phone number of the furnisher you contacted.

Please send confirmation of receipt of this letter and keep me informed of the status of your investigation.

Disputed Item ( s ) : Creditor Name : XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Sincerely 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : MCM Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : Dear Midland Credit Management , Inc . 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
Under FCRA 611 ( 15U.S.C.1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within that timeframe, I demand the name and address of anyone contacted to verify the disputed 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 2025-05-25 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 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: IN

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible

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