vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL SYSTEMS regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$1300.00}, {$1300.00}, and {$2300.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
There's some accounts that were supposed to be removed on my credit report please remove the negative items off my credit report impacted by the data reach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
My father is XXXX  and not an XXXX XXXX I am also XXXX. I just received my XXXX XXXX. My dad does not speak XXXX, so I went to XXXX Mercedes to help him communicate with the salesperson to buy a XXXX XXXX van for my father to XXXX XXXX. They told him that his credit wasn't enough to buy the van. I told my dad what the salesman said. My dad was very heartbroken because this was mt familys only income to pay for their livelihood, so we were both scared. His van, which he was using, broke down and couldn't be repaired. The salesman asked me if I have good credit, and I said, I think so '', and he pulled my credit, and he told me I did. I told him that I don't have a job to pay the payments, and only my father pays for our bills. They told me that they would help me with getting the loan for my father, but I was told not to tell anyone how I got this loan. They told me to sign the paperwork, and everything will be ok. So I was happy we could keep the rental house and have food to eat. Then my father hurt himself badly and couldn't XXXX XXXX  with the van. Mercedes credit called me because the monthly payment wasn't paid. I explained to them what happened to my father. Now they are telling me I am responsible for the loan and I must pay the payment, or they will take it away, and not my father. I reminded them I didn't have a job and couldn't pay for it when I signed the papers that they pushed in front of me. So the Mercedes company told me to drive it to the Mercedes of XXXX XXXX. Please help me, I don't know what to do. My father is in bad condition, and I can't pay. They tricked me into thinking that I was ok helping my father sign the paperwork for our family. I have been in tears and emotionally XXXX  every day. pleace pleace help me. I can't pay the payments, and now they are telling me they gon na sell the van and make me pay the difference. How can I do this when I have no job?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: 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 PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY 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 explanation
Consumer complaint received 2025-09-10 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: 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 PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: VI

Complaint narrative:
I am filing this complaint against [ Creditor/Collection Agency Name : XXXX, Account XXXX ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX regarding multiple accounts that are being inaccurately reported on my credit file. These accounts are causing severe and unfair damage to my creditworthiness and financial standing. 

The following accounts are currently being reported with late payments : XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX My Concerns & Grounds for Complaint Duplicate/Multiple Reporting : Several accounts appear to be duplicates with identical creditor names, opening dates, and balances. This constitutes re-aging and/or duplicate reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ). 

Inaccurate and Unverifiable Information : The creditor has failed to provide sufficient documentation validating the accuracy of these accounts. Without proper verification, reporting such negative items violates FCRA 609 ( a ) ( 1 ) & 611. 

Unfair Damage to Creditworthiness : These accounts are reporting as delinquent and past due, which has caused a drastic drop in my credit score, denial of credit opportunities, and financial hardship.

Possible Statute of Limitations Violation : Certain accounts date back as early as XXXX. If these debts are beyond the statute of limitations for reporting ( 7 years for most derogatory accounts under FCRA 605 ( a ) ), they must be immediately removed.

Requested Action I am requesting that the CFPB : Conduct a full investigation into XXXX reporting practices. 

Require the creditor/agency to provide documented proof of validity and accuracy for each of the above accounts. 

Remove any accounts that can not be properly verified or that are duplicates/obsolete. 

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and take enforcement action against any violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-10 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under 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 2025-09-10 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for a line of credit in the XXXX Wells Fargo Branch office. I applied and was denied almost instantly ( less than 2hrs ). The representative ( who is a XXXX  male and a XXXX male ) called me from his cell phone to advise that I was denied, and he didn't know the reason. He said that I would receive something in the mail. I visited a different location ( the XXXX, GA branch ) on XX/XX/year> to look into this matter, and the representative was very caring and assisted me well. She called with me present and with my permission to find out why I was denied and they told me I was denied for a serious delinquency. 

I showed the rep my credit report through my XXXX App which I pay to access and monitor my credit. My score on XXXX  is XXXX with no serious delinquencies, my XXXX  score is XXXX with no serious delinquencies, and my XXXX  score is XXXX with no serious delinquencies. 

I would believe with so many discrimination cases that Wells Fargo would be very specific on why this is denied.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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 2025-09-10 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-10 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: TX

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-09-10 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: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is alarming and strongly indicates potential identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Metro 2 Compliance & CFPB Complaint Wording Subject : Failure to Process Investigation Metro 2 & FCRA 611 Violation To Whom It May Concern : I am filing this complaint because Equifax has failed to properly process my dispute investigation in compliance with Metro 2 standards and FCRA 611 ( 15 U.S.C. 1681i ). 

On XXXX XXXX I submitted a valid dispute with two acceptable and current proofs of address ( clear, legible, and within required date ranges ). Instead of completing the reinvestigation, Equifax sent a stall letter dated XX/XX/year> falsely claiming my documents were illegible or unacceptable.

This action is a violation because : FCRA 611 ( a ) ( 1 ) : Equifax must conduct a reasonable reinvestigation of disputed information within 30 days of receipt.

FCRA 611 ( a ) ( 2 ) : The CRA must forward all relevant information I provided to the furnisher for investigation. Rejecting valid documentation obstructs this process.

FCRA 611 ( a ) ( 5 ) : If Equifax can not verify the disputed information within the 30-day window, it must delete or correct the disputed item.

Metro 2 Reporting Compliance : Rejecting my valid documentation and restarting the timeline is a direct violation of the required workflow for handling consumer disputes.

I demand that Equifax : Accept my already submitted proof of address ( or allow me to re-submit electronically ).

Complete my dispute reinvestigation without restarting or extending the statutory 30-day deadline.

Delete or correct all unverifiable accounts as required by FCRA 611 ( a ) ( 5 ).

Failure to comply will result in additional regulatory complaints and possible legal action. You also have the official document as well. So I suggest you not imply as if you never received it. Also, if my current address was not eligible. You should not send any personal info to the address.

Company response to consumer: Closed with non-monetary relief