vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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 have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX/XXXX  XXXX acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXXDISCHARGED ref # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I dispute the reporting of an auto loan account on my credit report associated with XXXX. The account shows a repossession remark despite the balance being paid in full and the account closed as of XX/XX/year>. 

The account continues to display a 30-day late payment status, which is inaccurate for a closed and paid account.

This appears to violate Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), as the information is neither accurate nor complete.

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 2025-07-19 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: NV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-19 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: MN

Complaint narrative:
I am currently disputing a fraudulent account that was added to my credit report as a result of identity theft. The account in question is a XXXX credit card opened on XX/XX/year>, which I did not authorize, open, or use. It has been reported with late payments and a balance of {$830.00}, and it is now closedbut it remains incorrectly listed on my report. 
I became aware of the account while reviewing my credit file and immediately filed an FTC Identity Theft Report and submitted all required documentation under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to all three major credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Despite this, the account has not yet been removed from my Experian report. 
I have formally requested that the item be blocked and deleted, and I am actively working with the Consumer Financial Protection Bureau ( CFPB ) to enforce this correction. I want to emphasize that this account does not reflect my actual credit behavior or financial responsibility, and I am taking every legal and administrative step to correct the issue. 
Please let me know if you would like a copy of the formal dispute letter or any supporting documentation. 
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
Consumer complaint received 2025-07-19 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: MN

Complaint narrative:
I am currently disputing a fraudulent account that was added to my credit report as a result of identity theft. The account in question is a XXXX credit card opened on XX/XX/year>, which I did not authorize, open, or use. It has been reported with late payments and a balance of {$830.00}, and it is now closedbut it remains incorrectly listed on my report. 
I became aware of the account while reviewing my credit file and immediately filed an FTC Identity Theft Report and submitted all required documentation under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to all three major credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Despite this, the account has not yet been removed from my Experian report. 
I have formally requested that the item be blocked and deleted, and I am actively working with the Consumer Financial Protection Bureau ( CFPB ) to enforce this correction. I want to emphasize that this account does not reflect my actual credit behavior or financial responsibility, and I am taking every legal and administrative step to correct the issue. 
Please let me know if you would like a copy of the formal dispute letter or any supporting documentation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I was told by south west credit system that this collection was from a XXXX  account made on XXXX XXXX and closed XX/XX/year> and I havent been with XXXX in over 8 years and left on good terms with the phone number I use now and paid off both phones also when I called XXXX XXXX they couldnt pull up no information regarding the collection nor the old account I had with them 8 years ago I need this removed from my XXXX  credit profile immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
b'FCRA Section 605B (15 U.S.C.  1681c-2) provides a mechanism for identity theft victims to block fraudulent information from their credit reports.I am a victim of identity theft and Identity fraud my police report number is Case Number XXXX XXXX Under 15 U S Code 1681e b and 15 U SCode 1681i 5 this account in violation not reporting 100percent accurate XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance 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 2025-07-19 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: MI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-19 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I scheduled a payment on around XX/XX/year> for my full account balance ( {$330.00} ) to be made on the card due date ( XX/XX/year> ). I also saw I had cash back available of {$9.00}, so I requested that to be applied to my account on the same date. When I checked my account the following month I found that Wells Fargo had canceled my payment because it was for more than my account balance. They also had charged me a {$25.00} late fee for this. I immediately made a payment to cover the full balance, but the late fee remained on my account. I later found they had sent an email but it had gone to my spam folder, so I had no way of knowing that they were cancelling my payment. I believe I am entitled to a refund of the {$25.00} late fee since I had attempted to pay the full balance prior to the due date and was unaware they had canceled my payment.

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 monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am a victim of identity theft. Several accounts and collection entries were fraudulently opened in my name without my knowledge or authorization. There has also been fraudulent and inaccurate items listed on my credit report. I submitted a statement which highlights the fraudulent items, valid FTC Identity Theft Report along with supporting documents, including my ID and proof of address, to TransUnion. Per the Fair Credit Reporting Act ( FCRA ) 1681c-2, TransUnion is required to block this information from my file within 4 business days of receiving these materials. Despite submitting everything properly, they have failed to remove the fraudulent accounts, and their online dispute system remains unavailable for days, blocking me from disputing anything online.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally request a copy of any and all tenant screening reports or consumer files associated with my name. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting access to my file. Please send the copy to my address listed above or to my email, whichever is applicable.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.

Complaint narrative:
On XX/XX/year>, Mercury closed my business account ( XXXX XXXX XXXX ) without prior notice or clear explanation. Prior to the closure, I made only two deposits from XXXX XXXX XXXX, a XXXX company where I am the XXXX and majority owner. These were legitimate business transfers to XXXX XXXX XXXX, which I solely own in the U.S. Additionally, on XX/XX/year>, I attempted to make a {$120.00} business-related payment to a freelancer for assistance in obtaining a reseller permit. The transaction was declined, and the next day, the account was shut down. Since then, I have reached out to Mercury multiple times requesting ( 1 ) the reason for account closure, and ( 2 ) return of my remaining fundsover {$800.00}, which they continue to hold. They responded only once, stating the decision was final and based on internal factors. They refused to reconsider or provide any clear explanation. I believe my account was closed unfairly, without evidence of wrongdoing, and I urgently request assistance in recovering my funds and obtaining transparency regarding the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For : XXXX XXXX XXXX Address to be removed : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX To : Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Equifax, XXXX. XXXX XXXXXXXX, XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX SUBJECT : Request for Immediate Deletion of Outdated Address per FCRA 609 ( c ), 611 ( a ), and 607 ( b ) To Whom It May Concern, I am writing to formally request the immediate deletion of the outdated and incorrect address listed below from my credit file : XXXX XXXX XXXX XXXX, XXXX, CA XXXX This address is no longer associated with me in any capacity and is inaccurately reporting on my consumer credit file. 

Under my rights as a consumer granted by the Fair Credit Reporting Act ( FCRA ), particularly : 609 ( c ) My right to a fair and accurate credit report.

611 ( a ) My right to dispute and request removal of inaccurate or outdated information.

607 ( b ) Your obligation to maintain reasonable procedures to ensure maximum possible accuracy.

I am demanding the immediate deletion of the above-listed address, which is a violation of these rights if allowed to remain.

Please consider this a formal dispute. I request that this address be removed within 30 days, as required by law. This outdated address is no longer valid and may be linked to obsolete, incorrect, or unverifiable data that has no bearing on my current financial standing.

I expect confirmation of this correction in writing upon completion. If you fail to remove this address, I am fully prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to ensure full compliance with the FCRA. 

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