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

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the Items listed below were returned as " verified '' without providing me with the details of the investigation. 

ITEMS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the Items listed below were returned as " verified '' without providing me with the details of the investigation. 

ITEMS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: OK

Complaint narrative:
RE : FORMAL REINVESTIGATION REQUEST & DISPUTE OF INACCURATE INFORMATION Consumer : XXXX XXXX XXXX XXXX. 
Dispute Confirmation # : XXXX Date of Previous Dispute Completion : XX/XX/year> I am writing to formally request a reinvestigation of inaccurate information on my credit file related to a previous dispute that was incorrectly verified. The initial investigation, completed on XX/XX/year> ( Confirmation # XXXX ), failed to address clear, documentable errors in the reporting of an account included in my XXXX XXXX XXXX.

This letter serves as a supplemental statement and provides new documentation that was not fully considered in the previous investigation. The account in question is : XXXX XXXX XXXX Account Number : Ending in # XXXX I have enclosed the following documents to substantiate this dispute : Copy of XXXX XXXX XXXX Discharge Orderfor Case # XXXX. 
Copy of the Bankruptcy Petition Schedules ( highlighted to show the XXXX XXXX XXXX account listed ). 
Copy of the Equifax Dispute Resultsdated XX/XX/year>. 
This information conclusively proves that the account was included in and discharged by the bankruptcy court. The current reporting is patently false.

Upon completion of your reinvestigation, please mail me a free, updated copy of my complete credit report showing all corrections. Furthermore, per FCRA 611 ( d ), I request that you mail the corrected results of this reinvestigation to every creditor that has received my report within the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing a claim regarding excessive overdraft fees charged to my Wells Fargo account over the last several years. During this period, Wells Fargo has charged me hundreds and hundreds of dollars in overdraft fees, creating ongoing financial hardship and, in my view, an unfair and illegal burden.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: 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: NC

Complaint narrative:
The following accounts remain in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have not been properly validated with original signed agreements, complete payment histories, or legal proof of ownership/assignment. Continuing to report unverifiable information violates FCRA 607 ( b ), and your lack of compliance with a reasonable reinvestigation process violates FCRA 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: TX

Complaint narrative:
Klarna is attempting to collect a debt for merchandise I never received from XXXX. I provided proof that the order was not delivered, yet Klarna has continued to charge me and sent the account to collections. This debt is invalid because I did not receive the merchandise. I am requesting that Klarna stop collection efforts, remove this account from collections, correct any negative credit reporting, and refund the charges. 
The order was originally placed on XX/XX/year>. On XX/XX/year> i received a notification that the items were delivered. I was at my door at the time and no packages had been delivered. I reached out to the shipping company who insisted that the order was delivered and to look at the proof of delivery photos. The building in the photos IS NOT my home and clearly does NOT show my address. I contacted XXXX  and klarna with photos of my front door on previous orders that i made. I included multiple pictures of the correct address and they still refused to remove the charge. The account has since been sent to collections which isnt right because my klarna account is completely paid from the multiple orders i received. I will not pay for that large order that never came to me. I will include photos of their proof of delivery and my correct address with my door number included.! I have highlighted the date of the incorrect delivery with the proof that its not my home. There are also photos of previous orders that were dropped off at the right address that show my unit number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: IL

Complaint narrative:
Consolidated Recovery Group is reporting a {$24000.00} debt to XXXX  under Account No. XXXX/ XXXX. This debt is not mine personally. It stems from a XXXX XXXX XXXX XXXX merchant account with XXXX XXXX XXXX, yet the collector is attempting to hold me personally liable. 

I disputed and requested validation. They failed to provide a signed contract or proof of personal liability. Instead, they only sent a generic merchant agreement and chargeback list, which does not establish that I personally guaranteed or owe this debt. 

By reporting this as my personal debt, Consolidated Recovery is in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e false representation of a debt ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 furnishing inaccurate information ). This is a business debt wrongly placed on my consumer credit report.

I am requesting immediate removal of this debt from my personal credit reports and corrective action against the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not know why Equifax keeps denying the fact that im trying to dispute items on my credit report with them, and I show them proof with account numbers and names, and even dates when these fraudulent accounts have been opened, yet they keep closing my case with CFPB or worse yet, compltely IGNORING my request. I noticed that you removed one account, but there are still 5 UNAUTHORIZED AND FRAUDULENT accounts that are ruining my chances at better opportunities and Equifax just doesnt care. It clearly shows me that they do not follow process orders and wont even check for this information, they do not investigate and this is how they run a company. I have been regularly checking my credit report this year due to pressing needs of me and my family regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have reason to believe my personal data may have been compromised. Nelnet ( Account : XXXX ) Servicing publicly disclosed a massive data breach in XXXX, which is now the subject of a class action lawsuit alleging mishandling of borrower data. Because of this breach, I can not accept any unsubstantiated claim of indebtedness until lawful validation is provided. 
Furthermore, with widespread high-profile breachesincluding those tied to XXXX XXXXrelated entitiesthere is heightened concern regarding fraudulent use of consumer data. You must therefore confirm that the alleged account has not been compromised, altered, or unlawfully reported because of such breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; XXXX XXXX ; and XXXX XXXX XXXX of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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

Complaint narrative:
I was a victim of the Equifax Breach Settlement. Reference number # XXXX, and I was referred by the Assisted Identity Restoration Services of Experian, in which the CFPB and the FTC have failed miserably in properly handling my complaint against the unauthorized account with XXXX XXXX opened on XX/XX/year>, and it is currently delinquent with an outstanding balance of {$230.00}. In addition, XXXX XXXX XXXX XXXX  loan appears on the reports as " charged off '' for {$9500.00}. I do not own a vehicle, as this was either mistaken identity, a mixed file, or identity theft. I contacted them in XXXX 2025 to report a " hard inquiry '' that I did not authorize. The customer service credit department reassured me that the unauthorized inquiry would be removed ; however, it was not removed, and as a result, an account was opened without my approval or authorization. In addition, I requested a Debt Validation record of the charges, but they have not complied, in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous and fraudulent account continues to be reported by the 3 CRAs and is hurting my character and credit history. The CFPB report was filed and closed, and referred to the FTC. Yet, the FTC site conveys the same message ... that my case needs to be referred to the CFPB, each platform avoiding accountability to enforce the violations, which does not help me resolve the identity theft of my credit file at all. It is my final warning to the CFPB and the FTC that I will file a federal complaint for violations of the Fair Credit Reporting Act and Title 15, Section 1681c-2 of the U.S. Code is the " Block of information resulting from identity theft '' provision of the Fair Credit Reporting Act ( FCRA ). This law requires consumer reporting agencies ( CRAs ) to " block '' effectively remove information from a consumer 's file that the consumer identifies as resulting from identity theft, after receiving the necessary proof. This proof includes the consumer 's identity, an identity theft report, and an identification of the specific information in question. The CRA must act on this request within four business days.

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