vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing inaccurate and misleading reporting by XXXX XXXX XXXX regarding the auto loan account number XXXX. Status : Paid in settlement, {$8700.00} written off. Original Balance : {$18000.00} Reported Negative Items : Charge-offs ( Dec 2023Oct 2023, XX/XX/XXXX, XX/XX/XXXX ). repossession ( XX/XX/XXXX ), past due notations ( XXXX XXXX ) .Upon review, the reported history contains multiple inconsistencies : The account is simultaneously reported as paid in settlement and yet shows charge-offs, repossession, and past due notations for periods after settlement. Some reported dates and balances do not align with the terms of the original contract or with the settlement agreement. The account status updates violate the Uniform Commercial Code ( UCC 3-606 & 9-406 ) regarding proper documentation of payment obligations and the application of settlement payments. Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must reinvestigate disputed information within 30 days and correct or delete inaccurate or unverifiable information. In addition, under the XXXX, the lender is obligated to maintain accurate records of account satisfaction and settlement. Misreporting this account may constitute a violation of both federal law and applicable commercial codes. XXXX XXXX Violation : If the account were actually marked as settled, charged off, or paid less than full balance, such a classification would legally constitute cancellation of debt under IRS XXXX XXXX XXXX XXXX XXXX, requiring issuance of an IRS Form XXXX to both the consumer and the IRS. No such form or notice has been received by me, confirming that no debt was forgiven or canceled meaning the account can not lawfully be reported as settled, charged off, or written off. Therefore, the continued publication of such a status violates FCRA 607 ( b ) ( accuracy and reliability of information ) and 611 ( a ) ( duty to reinvestigate unverifiable information ) due to the lack of verifiable accuracy and lawful basis. Additionally, under FCRA 1681s-2 ( b ), XXXX must XXXX or delete inaccurate information once notified of a dispute. Under the XXXX ( including XXXX, XXXX, and XXXX ), once an obligation has been satisfied or settled, the creditor can not continue reporting the account as delinquent, charged off, or repossessed if those statuses are inconsistent with the actual transaction history. Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must reinvestigate disputed information within 30 days and correct or delete inaccurate or unverifiable information. Under the UCC, the lender is obligated to maintain accurate records of account satisfaction and settlement. Misreporting this account may constitute a violation of both federal law and applicable commercial codes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, by a tow agent subcontracted through XXXX XXXX XXXX ( XXXX ) on behalf of Wells Fargo Auto. The agent operated a tow vehicle that lifts 2 wheels off the ground and allows the other 2 wheels to drag. When they did this they dragged the vehicle with the parking brake engaged, causing two 40 inch gouges and two 80 inch gouges in my driveway. When they realized what was happening they jimmied my door unlocked which engaged my car alarm and alerted me to what was going on. I was already in the front of my house when I heard the commotion and I ran outside and started yelling you cant tow, but the agent ignored me, quickly jumped in his tow vehicle and drove off with my car alarm blaring and a strange squeaking noise coming from my car 's direction, constituting a breach of peace. 

Since the repossession, Wells Fargo Auto has not provided any of the legally required information. They stated multiple times that they do not have the information on where the vehicle is located, and that they only know XXXX was assigned and consequently refer me to contact them. 

XXXX similarly refused to give the storage-yard address, refused to identify the repo company 's licensure, and only referred me to XXXX XXXX Resolutions with a phone number. XXXX phone system does not reach a live person regardless of what caller option you press, and their website scheduler still does not reveal the yard address, even after confirming an appointment. 

As of six days after repossession, I have received : No storage-yard address No access instructions No personal-property inventory No condition report No written correspondence or notice from any party This violates California B & P XXXX and XXXX, and raises serious vendor oversight concerns. 

In addition to wrongful repossession, I am requesting that Wells Fargo be held responsible for all property damage to my driveway and any damage to the vehicle caused by dragging it with the brake engaged or by any mishandling while in their agents custody. The vehicle was in working condition before the repo, so any new mechanical issues, scraping, suspension problems, or brake-related damage should be considered their responsibility. 

I am requesting that Wells Fargo reverse the repossession, return the vehicle at no cost, remove all associated fees, cover all damages, and correct any negative credit 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 2025-11-14 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 am requesting deletion of inaccurate personal identifiers in accordance with FCRA 607 ( b ). My legal name is XXXX XXXX XXXX, and I request removal of all outdated names and addresses that are causing mixed-file contamination. 

Please DELETE the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE the following incorrect/outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY : XXXX XXXX XXXX XXXX, XXXX CA XXXX These identifiers are not accurate and must be deleted under the FCRAs maximum-accuracy standard. 
Please update my file accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am requesting deletion of inaccurate personal identifiers in accordance with FCRA 607 ( b ). My legal name is XXXX XXXX XXXX, and I request removal of all outdated names and addresses that are causing mixed-file contamination. 

Please DELETE the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE the following incorrect/outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY : XXXX XXXX XXXX XXXX, XXXX CA XXXX These identifiers are not accurate and must be deleted under the FCRAs maximum-accuracy standard. 
Please update my file accordingly.

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 2025-11-14 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX, XXXX SC XXXX Account # XXXX Alleged Original Creditor : XXXX XXXX XXXX Alleged Debt Amount : 627 To Whom It May Concern : This letter is in response to your communication regarding the account referenced above. I formally dispute the validity of this alleged debt in its entirety and request that you provide competent evidence pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, I am aware that this account is being reported on my consumer credit reports. I hereby dispute the accuracy of this account with the credit reporting agencies under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

To fulfill your legal obligations, I demand that you provide me with the following information and documentation : 1. The name and address of the original creditor.

2. A complete payment history, starting with the original creditor, showing all charges and credits.

3. A copy of the signed agreement or contract that created my liability for this debt.

4. Documentation verifying that you are licensed to collect debts in my state and proof of your legal authority to collect this specific debt on behalf of the original creditor 5 Assignment contract and or chain of custody 6 Bill of Sale Bi r.

If you are unable or unwilling to provide this validation, you must cease all collection activities immediately and delete this account from all credit bureaus to which you have reported it.

Please be advised that continuing to collect on this debt without providing validation, or reporting inaccurate information to the credit bureaus after receiving this dispute, constitutes a violation of both the FDCPA and the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General, and I will pursue any and all legal remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I sent a debt validation letter to TruAccord corporation by certified mail which was signed and received on XX/XX/year>, It is currently XX/XX/year> I have not received any information I request on this alleged debt, however they have reported this debt again recently in collections, and if I am not mistaken that is against the fair credit reporting act and is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Company : XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge, authorization, or consent. This letter, along with the attached FTC Identity Theft Report, serves as my official statement regarding the crime. 

I request that you investigate, block, and permanently remove all fraudulent information listed below in accordance with the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ). 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Company : XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge, authorization, or consent. This letter, along with the attached FTC Identity Theft Report, serves as my official statement regarding the crime. 

I request that you investigate, block, and permanently remove all fraudulent information listed below in accordance with the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ). 
.

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 2025-11-14 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:
Details of the Complaint : My lender, XXXX ( XXXX ), reported late payments on my account XXXX for XX/XX/year> while I was in the middle of a financial hardship application. I submitted my hardship request on XX/XX/year>. 

Under the CARES Act ( Section 4021 ), lenders are prohibited from reporting accounts as delinquent if an accommodation is in place or under review. Despite this, my credit report shows late payments during this period, which is inaccurate and violates federal law.

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 2025-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: GA

Complaint narrative:
This complaint continues CFPB Case # XXXX FILED ON XX/XX/year>. Klarna told CFPB it provided monetary relief ( {$220.00} credit + {$74.00} refund ) for Order # XXXX, but no refund was ever received. Klarna is still trying to debit {$150.00} and opened a new 21-day investigation instead of honoring its written response. Klarna also refused to provide the verification documents I requested. Their CFPB response was false and violates 15 U.S.C. 1666 and 12 C.F.R. XXXX. Klarna reperesentative has stated that no relief will be or has been agreed to be given towards this account or matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Nationstar/Mr. Cooper removed the entire mortgage tradeline from all 3 credit bureaus XXXX XXXX XXXX XXXX  ) immediately after I submitted fraud and servicing complaints. This prevents me from seeing the account history, escrow records, delinquency reporting, or verification of the underlying debt. 

This appears retaliatory and obstructive because the loan servicer also ignored my Qualified Written Request ( sent by certified mail and by email to their designated representative, XXXX XXXX ), and never acknowledged or responded. Without the tradeline and without records, I can not verify the legitimacy of the foreclosure or defend myself in a related unlawful detainer action. 

I am requesting : ( 1 ) reinstatement of the tradeline, ( 2 ) full servicing and escrow history, and ( 3 ) enforcement action for failure to respond to my Qualified Written Request as required by RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My private student loan was taken out through XXXX XXXX in XXXX in the original amount of XXXX. It was transferred to Navient. Through forbearance that I was lead into instead of other help with the loan it has doubled in whats owed and I have paid over XXXX to them. I believe it should have been cancelled in the XXXX law suit but instead was transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express Refusing to Remove Identity Theft Accounts Despite Police Report and Identity Theft Affidavit. I am filing a complaint because American Express is refusing to remove multiple fraudulent accounts opened in my name as a result of identity theft, even after I submitted all legally required documents. 

The fraudulent American Express account numbers end in : XXXX XXXX XXXX XXXX I did not authorize or open these accounts. 

I submitted : A completed Identity Theft Affidavit, A police report, Proof of identity, A written statement describing the fraud.

These documents qualify as an Identity Theft Report under FCRA 603 ( q ).

Under FCRA 605B, American Express is required to : Block all identity theftrelated information, Stop reporting the fraudulent accounts to credit bureaus, Cease all collection activity, And remove fraudulent accounts from my file.

Despite this, American Express informed me that because payments were made on the fraudulent accounts, I am liable. This is legally incorrect. Payments made by an identity thief do not create liability for the victim under FCRA, the Fair Credit Billing Act ( FCBA ), or Regulation Z.

American Express is refusing to comply with : FCRA 605B, FCRA 623 ( a ) ( 6 ) ( duty to not furnish information known to be inaccurate ), Regulation Z, FCBA protections regarding unauthorized accounts and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
First I was scammed because I was dealing with pay reduction and health issues. it was taking too long until we were notified that the people claiming to help were in fact scamers, I tried to work with the services to sale my home and it wouldn't work. For what it was worth with a short sale We got offered we turned it in but after 60 days we had no answer. We went into review but got no answer. We then were notified of it going to be sold and the VA was never asked by BSI for approval. Va being the lender.

Company response to consumer: Closed with explanation