vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I need charged off account removed asap from my credit report by XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Its Reporting late payment from XXXX  In XXXX in the account is paid in closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-04-14 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-14 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: OH

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. 
They were very rude and were threatening me that they would contact someone else for collecting their debt with me. They do not have a contract with me so therefore under the fair credit act they can not report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Angry recipient of this message, I am composing this letter to officially challenge a false record on my credit report in accordance with the regulations outlined in the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand that you conduct a thorough investigation and promptly eliminate the erroneous charge-off account cited below. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XX/XX/2025 Disputed Amount : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove the accounts from my report as they are hurting my ability to obtain credit.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : DEPTEDXXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Follow-up on Dispute of Fraudulent Account The Best Service Company Dear Experian Dispute Team, I am writing to follow up on my identity theft dispute regarding the fraudulent account listed as The Best Service Company ( Account Number : XXXX ). I originally submitted a dispute on XX/XX/year>, and resubmitted it through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, along with all required documentation, including my FTC Identity Theft Report, government-issued ID, and proof of address. Despite this, this account has not been marked as " under dispute '' on my Experian account, and no action has been taken to resolve this matter. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to remove fraudulent accounts within four business days of receiving an identity theft report and complete a reasonable investigation within 30 days. However, Experian has failed to act within the required timeframe for the XXXX XXXX XXXX XXXX account, and the fraudulent entry remains on my credit report. 

Request for Immediate Action : Immediate Investigation : I request that you process and investigate the dispute for The XXXX XXXX XXXX account and verify its fraudulent status. 

Immediate Removal : I demand the permanent deletion of the XXXX XXXX XXXX XXXX account from my credit report as it was the result of identity theft. 

Confirmation : Please confirm the removal of this account and send written confirmation within 5 business days.

Proof of Investigation : Provide documentation showing your compliance with FCRA and Florida consumer protection laws, including the details of your investigation and communications with the creditor.

Legal Action : If Experian does not comply within 5 business days, I will : File complaints with the CFPB, FTC, and the Florida Attorney Generals Office.

Pursue legal action under FCRA 1681n & 1681o for willful and negligent non-compliance, including statutory and punitive damages, as well as attorney 's fees.

I urge you to act immediately and comply with the law to resolve this matter without further delay. 

Attachments : FTC Identity Theft Report ( # XXXX ) Copy of government-issued ID Proof of address Copy of Experian credit report showing the fraudulent account

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, while visiting XXXX XXXX, XXXX on a XXXX XXXX cruise, I was lured into a shop by a merchant who used high-pressure tactics to sell skincare products. I initially agreed to a purchase, but the merchant took my Wells Fargo Visa and cell phone into a back room without my permission. He then returned with an XXXX, pressured me to sign up for a discount club, and responded to a fraud alert from Wells Fargo on my behalfwithout my consent. 

Realizing something was wrong, I told him I no longer wanted the products. He claimed the power had gone out and that the transaction hadnt gone through. I left the store and immediately contacted Wells Fargo to report the situation, stating that I did not authorize the charge and did not respond to the fraud alert. 

Despite this, Wells Fargo processed the charge. I never received any product. The merchant submitted a receipt with a forged signature and referenced a no refund policy I never saw or agreed to. Wells Fargo denied my fraud claim even though the transaction was based on forgery, unauthorized access, and non-delivery of goods. I have now requested for an escalation review. 

I am requesting a full review and reversal of this fraudulent charge.

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 2025-04-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Referencing complaint # XXXX & XXXX I am writing to formally demand the immediate deletion of the following account from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX Bankruptcy Code, and Unfair and Deceptive Acts and Practices ( UDAP ) laws : Creditor GOLDMAN SACHS ( THE BANK ). ( Incorrectly Reported as Charged-Off Post-Bankruptcy ) This account was included in my XXXX XXXX bankruptcy filing on XX/XX/XXXX and was legally XXXX on XX/XX/XXXX. Per 11 U.S.C. 524 ( a ), creditors are prohibited from attempting to collect, report, or misrepresent discharged debts. Despite this, you have continued to report the account as " charged-off '' and 60 day late, which is a clear violation of bankruptcy protections. Legal Basis for My Demand : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Creditors must ensure the accuracy of information they furnish to credit bureaus. Continuing to report a discharged debt as " charged-off '' or past due misrepresents the status of my account. Bankruptcy Code 11 U.S.C. 524 ( a ) : The discharge of a debt in XXXX XXXX bankruptcy voids any legal responsibility to repay it. Creditors must not report misleading or inaccurate information post-discharge. Unfair and Deceptive Acts and Practices ( UDAP ) Laws : The continued misreporting of this account constitutes a deceptive practice that has harmed my ability to obtain new credit, housing, and employment. Requested Actions : Immediately delete this account from my credit report with all major credit bureau. Cease any further negative reporting regarding this account. Provide written confirmation within 30 days that the account has been deleted and will no longer be reported. Request for Investigation Documentation : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am also requesting that you provide all documentation, records, and information used in your investigation concerning this account following my disputes. This includes : A description of the procedures used to investigate the dispute ; All documents, recordings, and internal records you relied upon ; The name and contact information of the party or parties who verified the accuracy of the disputed account ; The method and timeline used for reporting the account after the bankruptcy filing and discharge. If your office continues to report this discharged debt inaccurately, it will be considered willful noncompliance with the FCRA and the Bankruptcy Code. Failure to remove and respond appropriately may result in a formal complaint being filed with the Federal Trade Commission ( FTC ), and civil litigation for damages. Please send the requested documentation and confirmation of deletion here in the CFPB portal. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
Dept of Education Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, 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 non-monetary relief