vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Follow-Up on CFPB Complaint Regarding Equifaxs Noncompliance with FCRA Section 605C I am writing to follow up on my CFPB complaint regarding Equifaxs failure to properly process my request to block adverse credit information under Section 605C of the Fair Credit Reporting Act ( FCRA ), which provides protections for victims of human trafficking. Despite providing a signed self-attestation and a signed certification from a representative of a non-governmental organization, Equifax denied my request without a clear explanation or reference to the legal criteria they claimed were unmet and with no explanation. When I requested clarification, a representative from Equifax stated that they could not disclose the specific standards or reasons even though I am the victim. This lack of transparency is both alarming and inconsistent with the FCRA 's intent to provide survivors with recourse. I have submitted documentation, including : A legally formatted attestation explicitly referencing Section 605C A list of all impacted accounts and inquiries. My last complaint was not investigated. Equifax sent a generic response that the case was still pending and three days later the case was closed without any investigation by Equifax. Equifax is operating outside of the law on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
My name is XXXX XXXX ( SSN ending XXXX ), DOB XX/XX/year>. My only address for 6 years is XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I am employed by XXXX XXXX ( XXXX years ). I am a victim of identity theft and have filed multiple FTC Identity Theft Reports and FCRA 605B affidavits with TransUnion, Equifax, and Experian. Fraudulent accounts and inquiries continue to report despite my lawful block requests. This violates FCRA 605B requiring blocking within 4 business days.

The following fraudulent accounts were removed under FCRA 605B but have reappeared : XXXX XXXX  ( {$410.00} charged off ), XXXX XXXX XXXX ( {$26000.00} ), XXXX XXXX ( {$12000.00} ), XXXX XXXX {$0.00} ). I never applied for or used these accounts. Their reappearance violates my rights under FCRA 605B and constitutes improper reinsertion without certification or notice as required by FCRA 611 ( a ) ( 5 ) ( B ) Equifax, TransUnion, and Experian failed to comply with FCRA 605B and 611 ( a ) ( 5 ) ( B ). Fraudulent accounts reinserted without notice include XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX No reinvestigation results or certifications were provided. I request CFPB enforcement to compel permanent blocking of these fraudulent accounts and inquiries.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I received a collection letter from Sequium Asset Solutions dated XX/XX/XXXX, attempting to collect on a Legacy Visa account originally issued by XXXX XXXX Bank ( account ending in XXXX ). 

I have not made a verified payment on this account since XX/XX/XXXX. Under Colorado Revised Statutes XXXX, the statute of limitations for credit card debt is XXXX years, making this account time-barred as of XX/XX/XXXX. 

I sent a formal notice to Sequium asserting my rights under FDCPA 805 ( c ) and 809 ( b ). I clearly requested that they cease all collection activity and confirm that this account will not be reported to any credit bureau. 

I do not acknowledge this debt and am requesting that the CFPB ensure the collector does not report this account or attempt further contact. If any credit reporting occurs, I will pursue formal enforcement actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: OR

Complaint narrative:
Ive been a XXXX XXXX cardholder for over XXXX years. I recently called the same number Ive always used ( XXXX ), and was told to email my personal information ( full name, SSN, ID front/back, phone number, and a case number ) to XXXX for identity verification [ full text continues I have it saved for you ] .This was on XX/XX/XXXX and I called back on XX/XX/XXXX they told me they needed more time to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
On XX/XX/year>, I submitted to Experian a formal identity theft complaint, including my FTC Identity Theft Report ( # XXXX ) and a signed sworn affidavit under penalty of perjury. 

The disputed item is a fraudulent account allegedly opened with XXXX XXXX ( last XXXX digits : XXXX ). I never applied for, authorized, or consented to this account. 

Experian violated multiple provisions of the FCRA : 15 U.S.C. 1681b ( 2 ) : No valid permissible purpose existed, and no informed, affirmative consent was given for this data to be reported.

15 U.S.C. 1681a ( 4 ) : My personal data was handled without fairness, confidentiality, or any legitimate business purpose.

15 U.S.C. 1681c-2 : Experian failed to block and delete this identity theft-related account within the four-day window after proper documentation was submitted. 

I also reminded Experian of enforcement actions taken by the CFPB against other CRAs for failing to comply with these provisions, but no corrective action has been taken to date. 

This fraudulent account caused damage to my credit file, resulting in a rejected business credit application and emotional stress due to Experians failure to act on clearly presented legal documentation.

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 2025-08-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account is historical, paid and closed. I am no longer responsible for this account ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) WELLS FARGO BANK YOU ARE IN TOTAL VIOLATIONS OF MY RIGHTS. YOU ARE PRODUCING INACCURATE, FALSE CREDIT, AND MISLEADING REPORTS THAT WILL CAUSE HARM TO MYSELF. SUCH A VIOLATION WILL LEAD TO BOTH CIVIL AND CRIMINAL PENALTIES AGAJNST YOU. PLEASE REMOVE IMMEDIATELY.

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 2025-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute and Loan Forgiveness Request under FCRA 611 ( a ) ( 1 ) ( A ) Account # : XXXX I am writing to formally dispute and request forgiveness of the federal student loans associated with my time at XXXX University in XXXX XXXX, CA, where I was enrolled from XXXX through XXXX. 

This request is submitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), which grants me the right to dispute inaccurate, misleading, or unfair information on my credit report. I believe the student loan entries related to my time at XXXXXXXX XXXX qualify under this provision due to deceptive enrollment practices, misrepresentation of post-graduation employment opportunities, and misuse of federal loan funds resulting from institutional misconduct. 

When I enrolled at XXXX, I was assured of robust job placement support and high employment rates for graduates, which significantly influenced my decision to take out federal loans to attend the institution. These assurances later proved to be part of a broader deceptive advertising campaign, which led to legal action against XXXX in XXXX by the Federal Trade Commission ( FTC ). Additionally, tuition was increased twice during my enrollment, further inflating my debt and making continued attendance unaffordable. 

Due to these circumstances and financial hardship, I was unable to complete my degree. I believe the loans incurred under these conditions are not only unjust but qualify for discharge or forgiveness under borrower defense regulations, particularly in light of XXXX well-documented misconduct. 

I am therefore requesting : XXXX review and discharge of all federal student loan debt related to my time at XXXXXXXX XXXX  ( XXXX ) ; That these loans be removed from my credit report as inaccurate and the result of deceptive institutional behavior ; That I be notified of the outcome of this dispute in writing within the timeframe allowed by law. 

I have attached documentation supporting my attendance at XXXX, financial records, and relevant references to public legal actions taken against the university for misleading students. 

Thank you for your attention to this matter. I request that this dispute and request for discharge be taken seriously and handled expeditiously. Please contact me at the information listed above if further documentation or clarification is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2025-08-03 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Dear CFPB Representatives, I am reaching out to you with a serious problem that is causing me significant financial and emotional harm as I have discovered XXXX unauthorized credit inquiries in my TransUnion credit report that were made without my consent or knowledge. These fraudulent inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. Particularly alarming is the fact that on XX/XX/XXXX, XXXX inquiries were made in a single day, on XX/XX/XXXX, XXXX inquiries were made, and on XX/XX/XXXX, XXXX more inquiries were made, which clearly indicates fraudulent activity or identity theft as no reasonable consumer would apply for so many credit applications in such a concentrated timeframe. I have never applied for credit with these companies on the specified dates and these unauthorized inquiries have seriously damaged my credit score and reduced my creditworthiness, limiting my ability to obtain credit on favorable terms in the future. These actions constitute a direct violation of Section 605 ( b ) of the Fair Credit Reporting Act which requires a permissible purpose for obtaining consumer credit information, and since I did not consent to these inquiries, these companies had no legal basis for obtaining my credit information. The multiple inquiries on the same dates strongly indicate identity theft or systematic fraud against my personal information. I respectfully request that CFPB conduct an investigation into this violation, demand that TransUnion immediately remove all 20 unauthorized credit inquiries, ensure sanctions are applied to companies that violated Section 605 ( b ) FCRA, and help restore my credit score to its state prior to these fraudulent actions. This situation is causing me serious stress and financial difficulties and I rely on your assistance in protecting my consumer rights and restoring justice.

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 2025-08-03 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: IL

Complaint narrative:
Equifax has failed to properly investigate the disagreement i have with the history of payments and history of balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and the XXXX major credit bureaus Equifax, TransUnion, and Experian for continued reporting of a disputed and inaccurate collection account ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX in violation of multiple consumer protection laws. 

On XX/XX/year>, I sent a formal dispute and cease & desist letter to XXXX XXXX XXXX, demanding deletion of the account due to the following violations : XXXX XXXX XXXX XXXX : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information to a credit bureau .

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits furnishing information after receiving notice from the consumer that it is inaccurate.

FDCPA 15 U.S.C. 1692c ( c ) : Requires all communication to cease upon written notice.

FDCPA 15 U.S.C. 1692e : Prohibits deceptive and misleading debt collection practices.

Regulation F : Prohibits passive collection via credit reporting without notifying the consumer ( " debt parking '' ).

15 U.S.C. 1681b : No permissible purpose was granted for placing any information on my credit reports.

Additionally, their actions may constitute Aggravated Identity Theft under 18 U.S.C. 1028A for knowingly and unlawfully using or transferring my identifying information without my consent. 

Despite this notice, XXXX continues to furnish this inaccurate data to the credit bureaus. 

Credit Bureau Violations ( Equifax, TransUnion, Experian ) : FCRA 15 U.S.C. 1681i ( a ) : Requires reinvestigation of disputed information. I properly disputed the XXXX account, and the bureaus failed to conduct a reasonable investigation and continued to report inaccurate information.

FCRA 15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain maximum possible accuracy. Continuing to report an inaccurate, unverified debt after a consumer dispute violates this obligation. 

The continued reporting of this account has caused emotional distress, reputational harm, and financial injury, preventing me from securing housing and 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 2025-08-03 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$33000.00} XXXX 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}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My Barclays credit card account was changed to paperless billing without my consent so I never received a bill in the mail. I don't always have good internet service so I don't want to go completely paperless. I did try calling them to resolve this but was told to call back later by an automated service. I made a purchase on XX/XX/year> of {$23.00} and have been billed {$48.00}. I did log in to my account to find that it had been changed to paperless which I did change to mailing hard copies of the statements. I researched this problem before filing this complaint and it seems to be a common problem with Barclays billing and charging over {$20.00} late fee on a {$24.00} dollar charge seems high. I always pay my bills on time and quite often do pay ahead after checking my online accounts when I can.

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 2025-08-03 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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