vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management XXXX XXXX This account does not include a sufficient identifying details. Just an account number and amount of XXXX I have never received a written validation notice for this debt from Midland Credit Management XXXX XXXX, as required under the Fair Debt Collection Practices Act ( FDCPA ). I also did not authorize the sharing or sale of any personal account information to Midland Credit Management , Inc . 
As of today, Midland Credit Management XXXX XXXX to provide any proof or documentation that this debt is valid or that I am legally obligated to pay it. This is a potential violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), especially if inaccurate or unverified information is being reported to the credit bureaus. They have called daily from many numbers even my work which is a violation of the law I am requesting the following actions : XXXX. Immediate removal of this account from my credit reports unless Midland Credit Management XXXX XXXX can provide : A copy of the original signed contract The name of the original creditor A complete payment history and accounting of the amount claimed Proof of assignment or legal ownership of the debt ( chain of title ) XXXX. Cessation of all collection activities until full and proper debt validation is provided. 
XXXX. Written confirmation of : The suspension or cessation of collection efforts How Midland Credit Management XXXX XXXX and the legal basis for reporting it That no further reporting or collection action will occur without proper validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
Student loans in deferment were approved on XX/XX/XXXX, and repayment is to start on or after XX/XX/XXXX. As a result, Mohela loan service provider has reported loans in delinquent status.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. Please see attached documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
date in XX/XX/year>, a full monthly payment of approximately {$1900.00} was made but reversed into an unapplied funds account by the original servicer. On XX/XX/XXXX and XX/XX/year>, two additional payments totaling about {$1900.00} were debited but also held unapplied, despite credit reporting showing the account as current as of XX/XX/year>. On XX/XX/year>, a statement claimed a XXXX delinquency and assessed fees of around {$250.00}, including late and insufficient fund charges, while escrow showed a negative balance. On XX/XX/year>, servicing transferred to a new company, but notification was delayed until XX/XX/year>, causing confusion. A formal request for resolution was sent on XX/XX/year>, with no response received by XX/XX/year>. This led to an eviction threat on XX/XX/year>, resolved only by paying an outstanding balance of approximately {$5100.00}. These actions suggest violations of federal servicing and disclosure laws, causing financial strain and housing instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment notations on my credit report from XXXX XXXX and XXXX XXXX XXXX XXXX These entries do not reflect my true payment history and appear to be reported in error.XXXX XXXX XXXX The progression from 30 to 120 days late ( XXXXXXXX XXXX XXXX  is inconsistent with my actual payments. No verification has been provided to substantiate these late notations.XXXX XXXX XXXX XXXX  Multiple consecutive 30-day late notations from XXXX through XX/XX/year> appear inaccurate and unverifiable.Under federal law, furnishers are required to ensure all information reported to consumer reporting agencies is accurate, complete, and verifiable. Continuing to report unverified late payments violates my rights under : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ( duty to maintain maximum possible accuracy ) FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( right to dispute and require reinvestigation ) FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( furnisher responsibility )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit accounts reported by XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. These accounts have also resulted in several fraudulent hard inquiries appearing on my consumer credit report, including those made by Rocket Mortgage via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX, and a creditor listed with a XXXX, DE address. My only true and correct address is XXXX XXXX XXXX, XXXX XXXX, PA XXXX, and any other addresses being reported on my credit file are inaccurate and must be removed. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection and reporting activity related to said items cease pursuant to my rights within the FCRA.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax Complaint Category : Credit reporting Problem with statement of dispute or investigation Company : Equifax Information Services LLC What happened : I submitted a written dispute to Equifax via XXXX Certified Mail ( tracking and delivery receipt attached ). Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), Equifax is required to investigate my dispute and provide written results within 30 days. 

It has now been over 30 days, and Equifax has failed to provide me with the required written investigation results. This is a direct violation of the FCRA. 

This violates the following FCRA requirements : XXXX. Failure to Investigate ( 611 ( a ) ( 1 ) ( A ) ) No investigation results were provided within the statutory timeframe. 


XXXX. Failure to Provide Notice of Frivolous Dispute ( 611 ( a ) ( XXXX ) ) If Equifax believed my dispute was frivolous, they were required to notify me within XXXX business days. 


XXXX. Failure to Provide Results ( 611 ( a ) ( 6 ) ) Equifax is required to provide me with written results of the investigation. 



Supporting evidence : XXXX Certified Mail Receipt ( with tracking number and delivery date ) XXXX Delivery Confirmation showing Equifax received my dispute Lack of timely investigation results Requested Resolution : I request that the CFPB require Equifax to : Complete the investigation of my dispute ( XXXX ) immediately ; Provide me with the full results and method of verification for each disputed account ; Remove or correct any accounts that can not be verified within the statutory period. 


Additionally, I request the CFPB investigate Equifaxs repeated failure to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO CARD SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and com
pleteness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WFBNA CARD XXXX.... 
WFBNA CARD XXXX.... & WELLSFARGO 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 2025-09-30 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: PA

Complaint narrative:
Re : Dispute of Inaccurate Student Loan Reporting To Whom It May Concern, I am disputing the accuracy of a student loan account that is currently being reported on mycredit file. This alleged debt is not properly validated and contains serious inaccuracies. 
Specifically : - The terms and transfers of the loan have been misrepresented. 
- Possible FERPA violations occurred in connection with my educational records. 
- There are questions of unauthorized transfers and breach of trust. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute. 
Please contact the furnisher of this information and demand full proof of its accuracy. If they can not provide proper validation, the account must be deleted immediately from my creditreport. 
Please provide me with written confirmation of your investigation and the results within the legally required XXXX period. 
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 2025-09-30 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:
all the credit bureaus are reporting fraudulent information onto my credit report. these accounts were opened fraudulently and do not belong to me. these accounts are hurting my credit score negatively and are affecting me financially. i need these accounts 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding its failure to comply with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ) in handling my credit dispute. 
On XX/XX/year>, XXXX Tracking ( No. [ insert tracking # ] ) confirmed delivery of my dispute package to Experians facility at XXXX XXXX  in XXXX, PA. Despite this, Experian has claimed the dispute was not received until XX/XX/year>, effectively attempting to extend the statutory XXXX dispute timeline by XXXX additional days. 
This is a violation of my rights under the FCRA. The law requires that disputes be investigated and completed within 30 days of receipt, which in this case was XX/XX/year>. By incorrectly adjusting the receipt date, Experian is unlawfully delaying the resolution process. 
Summary of Complaint : Account in dispute : XXXX XXXX, account # XXXX. 
Date of actual receipt ( per XXXX ) : XX/XX/year>. 
Date Experian falsely acknowledges receipt : XX/XX/year>. 
Legal violation : Failure to begin the XXXX investigation window from the actual date of delivery, as required by FCRA 611. 
Requested Resolution : XXXX. CFPB intervention to require Experian to honor the actual delivery date of XX/XX/year>. 
XXXX. Enforcement of the XXXX deadline, requiring Experian to complete its investigation by XX/XX/year>. 
XXXX. Assurance that Experian corrects its internal handling procedures to prevent similar consumer harm in the future. 
Attached are : XXXX Tracking proof of delivery on XX/XX/year>. 
Experians notice falsely claiming receipt on XX/XX/year>. 
I respectfully request that the CFPB hold Experian accountable for violating federal law and ensure my dispute is handled within the legally required timeframe. 
Thank you for your assistance.

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 2025-09-30 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 submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which provides consumers the right to dispute any information on their credit reports that is inaccurate, incomplete, outdated, or unverifiable. 

The following accounts require reinvestigation : 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 XXXXXX/XX/year> There appear to be duplicate or overlapping entries related to a vehicle loan or inquiry. I request that these entries be carefully reviewed for duplicate reporting, accuracy of dates, and proper formatting. Any redundant, unverifiable, or inaccurate items should be removed in compliance with the FCRA.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief