vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies and outdated information across my credit reports with Experian, Equifax, and TransUnion. My reports continue to include late closed accounts such as 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 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 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, {$19000.00} ) are incorrectly reported and require validation under FDCPA 807, 809 and FCRA 611. Collection accounts including XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} ) are also inaccurate. Additionally, hard inquiries such as XXXX XXXX ( XX/XX/year> ) were made without proper authorization or permissible purpose under FCRA 604 ( a ) ( 3 ) and must be removed as outdated under FCRA 605 ( a ). I dispute all inaccurate, unverifiable, and misleading information and request investigation, correction, or deletion of each item as required by law. Despite previous complaints, these errors remain unresolved, and I seek immediate enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies and outdated information across my credit reports with Experian, Equifax, and TransUnion. My reports continue to include late closed accounts such as 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 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 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, {$19000.00} ) are incorrectly reported and require validation under FDCPA 807, 809 and FCRA 611. Collection accounts including XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} ) are also inaccurate. Additionally, hard inquiries such as XXXX XXXX ( XX/XX/year> ) were made without proper authorization or permissible purpose under FCRA 604 ( a ) ( 3 ) and must be removed as outdated under FCRA 605 ( a ). I dispute all inaccurate, unverifiable, and misleading information and request investigation, correction, or deletion of each item as required by law. Despite previous complaints, these errors remain unresolved, and I seek immediate enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

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 id-entity 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am A victim of identity theft, in the process of buying a house, I realized my identity was stolen and used to obtain a bank account and apply for auto loans. The companies that were utilized are 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 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Below is a * * clear, firm, and legally grounded Debt Validation Letter * * you can send to a debt collector under the * * FDCPA ( Fair Debt Collection Practices Act ) * *. You can copy, paste, and fill in your details. 

-- - # * * Debt Validation Letter ( FDCPA Request ) * * XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/year> Re : * * Request for Validation of Alleged Debt * * To Whom It May Concern : I am writing in response to your communication regarding an alleged debt. This letter is a request for * * validation of the debt * * as provided for by the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *.

Please provide the following : 1. * * The amount of the alleged debt * *, including an itemized accounting of fees, interest, and charges.

2. * * The name and address of the original creditor. * * 3. * * A copy of the original signed contract or agreement * * showing I am legally obligated to pay.

4. * * Proof that you are authorized to collect this debt in my state. * * 5. * * A complete payment history * *, including how the amount was calculated.

6. * * Proof the debt is within the statute of limitations * * for collection in my state.

7. * * A copy of your companys license * * to collect debts, if licensing is required in my state.

Until you provide the above documentation : * * * Cease all collection activity * *, including phone calls and letters.

* * * Do not report this debt to any credit bureaus * *, or if reporting has already occurred, please cease reporting until validation is complete.

* If you can not validate this debt, * * immediately remove all information related to this account from my credit reports * * and notify me in writing.

Please note : I am requesting all future communication * * in writing only * *.

Thank you for your cooperation. I expect your response within the 30-day validation period required by law. 

Sincerely, XXXX XXXX XXXX-

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I disputed the XXXX XXXX record appearing in my LexisNexis file. This record contains court-level driver violation data that is not credit-related and is not appropriate for inclusion in a consumer file. I requested a reinvestigation and permanent deletion if the entry could not be verified as accurate under the FCRA. LexisNexis received my dispute on XX/XX/year>. On XX/XX/year>, I received several envelopes marked as reinvestigation results, but none included an itemized outcome for this record, an updated consumer file, or any FCRA-compliant reinvestigation response. LexisNexis did not confirm whether the disputed record was verified, corrected, or deleted, and did not provide the required description of procedure. Because of this, I have no way to determine whether LexisNexis continues to report this non-credit-related driver services information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
XXXX XXXX  requirements that would give me XXXX $ for every XXXX $ a paid this went on for over a year that I stopped paying because they were ripping off I didnt not see the loan agreement online. I stopped paying and now I owe XXXX to close my account. They would not let me pay it off for the payments I already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 submitting this follow-up regarding unresolved inaccuracies across my credit reports with Experian, Equifax, and TransUnion, including multiple conflicting and outdated reports. My XXXX account ending in XXXX continues to show inconsistent XXXX late payments : TransUnion reports XX/XX/XXXX with a date opened of XX/XX/XXXX, Equifax reports XX/XX/XXXX with a date opened of XX/XX/XXXX, and Experian reports XX/XX/XXXX with a date opened of XX/XX/XXXX, while all reports show balances of {$8400.00} and last payments between XX/XX/XXXX and XX/XX/XXXX. These errors violate FCRA 611, 623 ( a ) ( 2 ) and 623 ( b ), and 15 U.S.C. 1666/1666a, and continue despite my prior disputes. In addition, other previously reported errors across all three bureaus including late-closed or obsolete accounts ( XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ), inaccurate charge-offs ( XXXX, XXXX, Arkansas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX Co ) XXXX and unauthorized XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX XXXX ) remain uncorrected . These persistent inaccuracies have materially misrepresented my financial obligations, lowered my credit score, and harmed my ability to access credit, loans, and housing. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation, correction, or deletion of all items as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On behalf of XXXX XXXX XXXX ( Account No. : XXXX ), I am filing a formal complaint regarding a serious loss of a wire transfer. 

Our company was due to receive a wire transfer of {$260000.00} from XXXX XXXX  on XX/XX/year>. The remitting bank provided the globally unique tracking code : XXXX XXXX and confirmed in writing that the funds had been delivered to Wells Fargo.

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 2025-12-02 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies across my credit reports with Experian, Equifax, and TransUnion, which continue to misrepresent my payment history and create inconsistencies among the bureaus. Specifically, my XXXX XXXXXXXX XXXX  tradelines accounts ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with balances of {$3800.00} and {$1500.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1700.00}, all opened on XX/XX/XXXX, with last payment and activity dates of XX/XX/XXXX are incorrectly reporting late payments of 90 days for XX/XX/XXXX and 120 days from XXXX through XX/XX/XXXX, while TransUnion does not reflect these late periods at all. Additionally, my XXXX XXXX account ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$22000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows 30-day late payments for XX/XX/XXXX and 60-day late payments for XXXX through XX/XX/XXXX on some bureaus but is not reported on others, creating further discrepancies. These inconsistencies violate FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ), as furnishers and bureaus are required to report accurate, complete, and updated information and to conduct proper reinvestigations upon disputes. The misreporting of late payments and inconsistent bureau reporting continues to materially misrepresent my payment behavior, lowering my creditworthiness and creating an inaccurate portrayal of my financial obligations. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation, correction, or deletion of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing an alleged XXXX debt reported and collected by Jefferson Capital Systems. 

I have never had a XXXX account. I have been an AT & T customer for over XXXX years. This appears to be a mixed file or identity theft issue. 

I requested verification from Jefferson Capital under the FDCPA and California XXXX Fair Debt Collection Practices Act. They have not provided any proof, such as : my original contract my signature statements dates the SSN or address used for the account They continue reporting this account to the credit bureaus even though they have not validated the debt, which is unlawful. 

I am requesting the CFPB to require Jefferson Capital to : 1. Delete the account from all credit bureaus 2. Cease all collection activity 3. Provide proof of compliance I do not owe this debt and I am the victim of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The child support account being reported is more than 7 years old and should no longer appear on my credit report under the Fair Credit Reporting Act. I was never notified prior to the reporting, and the information is outdated and inaccurate. Please remove this obsolete entry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Syncrony Bank/Guitar Center will not let me make a payment unless I created a new account and when I try to create a new account it block me. Thus, making my payments late. I tried to contact them but no one speaks or understands XXXX. They reported me late XXXX times in the same calendar month. I tried to resolve it with them to no avail.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation