vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am a victim of identity theft dating back to XXXX of XXXX and did not authorize the disputed charges or accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, and the Fair and Accurate Credit Transactions Act of XXXX ( FACTA ), I am entitled to require consumer reporting agencies to block and remove data resulting from identity theft. In accordance with these statutes, I have filed a complaint with the Federal Trade Commission ( FTC ) and provide copies of the FTC Identity Theft Affidavit and supporting documentation. 

XXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXX  XXXXXXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Account # XXXX Balance : {$6100.00} XXXX XXXX  Account # XXXX Balance : {$2900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00}

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 2025-09-23 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: IA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX 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 2025-09-23 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: IA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX  XXXX XXXX XX/XX/year> XXXX 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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RAS LaVrar, LLC
State: PA

Complaint narrative:
XXXX of 2024 After requesting a payment plan from the creditor XXXX, my account was prematurely sent to a debt collector RAS lavrar. I have emails about this. I then received a notice in the mail saying that I owed an amount that was well over the actual amount due to late fees. Again, XXXX XXXX, prematurely forwarding my account to the collection agency unbeknownst to me. I never received anything in the mail notifying me that I was being sued. I actually received a document demanding that I sign a consent to judgement for $ XXXX USD. And if I did not sign it, the judgement would automatically be entered against me and be placed on my credit. The file number on the document I was able to locate online. It showed that there was a suit filed and a arbitration date listed. I attempted on several occasions to resolve this. To no avail, I was told I had to sign it. I refused and then was offered a payment plan referred to as a stipulation agreement of {$250.00} per month. For 5 years. This is all occurring over the course of a year due to slow or no reply from the collection agency. 
I began paying on the total via the RAS LAVAR app. XXXX payments went through. Then all of a sudden, the last XXXX payments were mysteriously unable to be processed. The payments were all from the same account. I was told by the lawyer for the collection agency that the account couldn't be found... I began paying with money orders to ensure I could track them. However, with this method I can not see the balance nor if and when the monies were applied. I have requested assistance with this on XXXX occasions. Even went as far as obtaining consumer legal counsel who also experienced the lack of response and delayed responses from the agency. 
Per email responses, I was told " We don't do that. We don't provide receipts of payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than XXXX  days ago. The information in question continues to be reported by TRANSUNION According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within XXXX business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement. 
The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than XXXX  days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this XXXX  continues to report it. 
This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability. 
For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA. 
Provide me with written confirmation of the removal of this information from my credit report.

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 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am unable to repay students loans due to an XXXX XXXX XXXXXXXX. I am in financial crisis and thus unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} 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, 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 2025-09-23 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: MI

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate and damaging reporting practices of the following furnishers on my credit report. The accounts listed below contain false, misleading, and unverifiable information that violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 604, 607 ( B ), and 623 : XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Reported Status : Late Payment * * This account shows a balance of {$0.00}, which clearly indicates no outstanding debt. However, it is still being inaccurately reported with late payments. Reporting a derogatory status on a {$0.00} balance account is misleading, inaccurate, and constitutes willful harm to my credit reputation. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Reported Status : Charge-off * * This account is also listed with a {$0.00} balance but inaccurately reflects a Charge-off status. A XXXX-dollar balance should not simultaneously report a derogatory status. This creates a false and misleading impression of delinquency, which is a direct violation of the FCRA requirement for maximum possible accuracy in credit reporting. 

Harm Caused : These false derogatory remarks have significantly lowered my credit score, limited my ability to access fair credit, and damaged my financial reputation. This is causing me undue hardship in securing housing, credit, and favorable lending terms. 

Requested Resolution : I am requesting immediate action by the CFPB to investigate and enforce correction of these inaccuracies. Specifically : Remove all late payment notations from the XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX ). 

Remove the Charge-off status from the XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Ensure that both accounts accurately reflect a {$0.00} balance with no derogatory status. 

Require the furnishers and credit bureaus to provide written verification of the corrected reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding the following account being reported on my credit report : Creditor Name : JPMCB Card Account Number ( partial ) : XXXX Type : Credit Card Status : Closed, Past Due {$410.00}, Balance {$6200.00}, Limit {$5300.00} I have previously disputed this account multiple times with the credit reporting agencies under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation into disputed information. Each time, the account has been verified, but no documentation has been provided proving that I have a valid, enforceable contract with this creditor. 

To date, no original signed contract, application, or agreement bearing my signature has been provided to establish my liability for this account. Reporting such an account without validation constitutes : A violation of FCRA 1681e ( b ) ( requirement for maximum possible accuracy in reporting ).

A violation of FCRA 1681i ( failure to conduct a proper reinvestigation when a consumer disputes ).

Potential violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), if a third-party debt collector is involved and continues reporting without validation.

I request that the CFPB investigate this matter and compel the furnisher and/or credit reporting agencies to : 1. Provide me with proper validation of this account, including a signed contract/agreement with my signature, or 2. Permanently delete the account from my credit file if such validation can not be produced. 

I have exercised my rights under the law, but my disputes have been ignored and the account continues to appear as verified without proof. This undermines the integrity of the credit reporting system and causes me harm. 

Please investigate this matter promptly and ensure compliance with federal credit reporting and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 US 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 ( FCBA ) 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 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 2025-09-23 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 US 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-09-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, Wells Fargo reported a charged-off account for {$7500.00}. This account was opened or used without my authorization. The original balance was {$6000.00}, but Wells Fargo added additional fees and charges. I did not open or authorize this account, and I am not responsible for this debt. 

I have already disputed this matter, but Wells Fargo continues to report this account as charged off. I have contacted Wells Fargo multiple times to correct this error, but no resolution has been provided. This inaccurate reporting is damaging my credit and is a direct result of identity theft. 

I am requesting that Wells Fargo immediately remove this fraudulent account and the charged-off status from my credit reports. Additionally, I request that the credit reporting agencies, XXXX, XXXX, and XXXX, conduct a proper investigation of this case and confirm the identity theft, in compliance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft laws.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On my Citi XXXX XXXX account, I paid the full statement balance shown on my XX/XX/year> billing statement by the due date. Despite paying the balance in full, Citibank still assessed additional residual or trailing interest the following cycle. 

On XX/XX/year>, Citibank responded to my XXXX XXXX XXXX complaint but refused to credit back the charges. Instead, they referred me to buried language in the Card Agreement and monthly statement fine print under Grace Period on Purchases and How to Avoid Paying Interest. 

My original request was simple : I wanted Citibank to explain why I was charged interest after paying my statement balance in full, provide a clear disclosure showing this practice, and credit back the charges. Citibank did not provide a clear explanation or remedy. Their response ignored consumer expectations and failed to address how a customer can reasonably avoid these charges. 

This practice is misleading, unfair, and harmful. It creates a situation where even diligent consumers who pay their balances in full are still penalized with additional 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX | XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Re : Ongoing Dispute & Demand for Correction XXXX XXXX with XXXX XXXX  ( Acct. Ending XXXX ) Dear XXXX, This letter is in response to your XX/XX/XXXX correspondence concerning my dispute of the above-referenced account. I must again reiterate that the information you are reporting is inaccurate and requires immediate correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Ownership Dispute I do not acknowledge ownership of this account. XXXX has failed to provide a signed contract, original application, or other legally valid documentation proving that I opened or authorized this account. Without verifiable proof of ownership, continued reporting constitutes furnishing inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ).

2. Address Discrepancy The tradeline reflects address information that is incorrect and does not align with my verified residence. Furnishers are obligated under 15 U.S.C. 1681e ( b ) to maintain maximum accuracy, which includes properly linking accounts to the correct consumer and address. 

XXXX. Failure to Properly Investigate Despite multiple requests, XXXX has only issued form responses rather than producing substantive documentation or conducting a reinvestigation compliant with 15 U.S.C. 1681i ( a ) and Regulation V ( 12 C.F.R. 1022.43 ).

Required Action I demand that XXXX immediately : Provide documented proof of ownership, including the original signed agreement and application ; Correct or remove any address information that does not match my verified residence ; Delete this tradeline from all consumer reporting agencies if ownership can not be substantiated. 

Failure to comply within fifteen ( 15 ) days will leave me no choice but to escalate this matter further with the CFPB, the Office of the Comptroller of the Currency, and consider legal remedies for negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o. 

I expect your timely response and full resolution of these issues. 

Respectfully, XXXX XXXX XXXX XXXX last XXXX ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief