vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of XXXX XXXX XXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding my Department of Education/NELN account XXXX account XXXX XXXX. After reviewing my credit reports from Experian, XXXX and XXXX I have found discrepancies regarding the reported balance : Experian : Reports the balance as {$3500.00}. XXXX : Reports the balance as {$3500.00}.

XXXX : Reports the balance as {$3500.00}.

These discrepancies in the reported balance for the same account are not accurate and create confusion on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I request that the immediate removal of this account be processed from my credit file across all three credit bureaus. 

In accordance with 15 U.S.C. 1681i, I expect the credit bureaus to investigate this matter promptly and remove the account within the required XXXX period. 

Please confirm the removal of this account and provide me with a written response indicating the actions taken. If additional documentation or information is needed to support my dispute, I am happy to provide it. 

Thank you for your prompt attention to this matter. 

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 2025-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of XXXX XXXX XXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding my Department of Education/NELN account XXXX account XXXX XXXX. After reviewing my credit reports from Experian, XXXX and XXXX I have found discrepancies regarding the reported balance : Experian : Reports the balance as {$3500.00}. XXXX : Reports the balance as {$3500.00}.

XXXX : Reports the balance as {$3500.00}.

These discrepancies in the reported balance for the same account are not accurate and create confusion on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I request that the immediate removal of this account be processed from my credit file across all three credit bureaus. 

In accordance with 15 U.S.C. 1681i, I expect the credit bureaus to investigate this matter promptly and remove the account within the required XXXX period. 

Please confirm the removal of this account and provide me with a written response indicating the actions taken. If additional documentation or information is needed to support my dispute, I am happy to provide it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I filed bankruptcy in 2021 on a car. Capital One Auto sent me the lein release. I have been disputing the open account ever since. With the most recent CFPB complaint, they sent me a bill. I paid it. They still show Capital One Auto as an open account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The account ALLY FINANCIAL is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The account information found on my credit report on XX/XX/XXXX is listed below : Account name ALLY FINANCIAL Account number XXXX Original XXXX Company sold- Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$25000.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Balance {$3600.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX - Wells Fargo mortgage XXXX XXXX sponsored XXXX XXXX personal event, who is owner and founder of XXXX XXXX - a well-known real estate company, I attach a snipper from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX event on XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I attach a picture of the event backdrop, only sponsors ' names on the backdrop. 

This is serious RESPA violations

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 2025-07-28 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: PA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I am submitting a formal complaint against Equifax Information Services LLC for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Name : XXXX Account Number : XXXX Issue : Conflicting reported balances, contradictory dates of last activity, inconsistent account status ( e.g., charge-off vs. closed ), inaccurate payment history I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by National Credit Systems on behalf of XXXX XXXX. This account was placed on my credit report on XX/XX/year>. I have contacted both the collection agency and the original creditor requesting documentation of the alleged damages and charges. No evidence has been provided. 
I disputed the account with XXXX, and they stated it was verified. However, no proof has ever been given to me, despite my requests. This appears to be an unfair and fraudulent charge, and I am requesting the removal of this unverifiable account from my credit report. 
This debt is almost six years old and still affecting my financial standing, despite never receiving proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The Company is DEPTEDNELNET, the amount of debt is XXXX, this debt was created in XXXX XXXX. According to15 U.S.C 1692c I would like to request a investigation and deletion of unverifiable accounts. Please send me the name and address of company when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a Capital One credit card sometime this last week, and opened the mail today. I never applied or opened the card. The card was sent to my parents house ( my old address ). I checked my credit report, and noticed that Capital One pulled my credit profile on XX/XX/year> which was when the card was applied for. I am about to file a credit fraud report to the XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I mailed a formal dispute to Equifax regarding an inaccurate XXXX XXXX XXXX account on my credit report. The dispute was received by Equifax on XX/XX/year> ( confirmed by XXXX tracking ). 

Under the Fair Credit Reporting Act ( FCRA ), Equifax had 30 days to investigate and either verify or delete the account. That deadline passed on XX/XX/year>, with no verification or resolution provided. 

On the same day the deadline expired, I sent a Final Notice letter warning them that I would escalate if they did not delete the account. Equifax received the XXXX Notice on XX/XX/year>. 

As of today, the XXXX XXXX XXXX account remains on my credit report, and no documents have been provided to verify its accuracy. This is a clear FCRA violation. 

I am requesting that Equifax immediately delete the XXXX XXXX XXXX account and provide written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
Since XXXX when XXXX XXXX was filed, I have had XXXX hard inquiries that I did not authorize. I also did not authorize any soft pulls of my credit and only have used the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX ONLY XXXX I did not authorize any other accounts. 

Student loans were XXXX due to my XXXX XXXX XXXX status, not due to 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 2025-07-27 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: FL

Complaint narrative:
Since XXXX when XXXX XXXX was filed, I have had XXXX hard inquiries that I did not authorize. I also did not authorize any soft pulls of my credit and only have used the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX ONLY XXXX I did not authorize any other accounts. 

Student loans were XXXX due to my XXXX XXXX XXXX status, not due to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, XXXX withdrawals in the amount of XXXX dollars were made at an ATM not identical to the moment directly from my personal account on the same day I called Wells Fargo bank to make the theft complaint and the bank, after XXXX  days, simply told me that there was no way to prove it was fraud. Even though I said that the card is with me and I was working on the day of the incident

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
RE : DEMAND FOR IMMEDIATE CANCELLATION OF FRAUDULENT DEBT & REIMBURSEMENT OF LEGAL COSTS Accounts Ending in XXXX and XXXX Case No : XXXX To Whom It May Concern, I am writing to formally demand that American Express immediately cancel and remove all claims and obligations related to the above-referenced accounts, which were fraudulently opened or accessed and do not belong to me. This includes accounts ending in XXXX and XXXX. I have previously submitted supporting documentation, including : Police reports filed at the time of the identity theft, A copy of my drivers license showing my correct address, and A fraud affidavit with supporting identity verification. 
Despite this, XXXX XXXX proceeded to file a lawsuit against me under XXXX XXXX. XXXX, which resulted in significant and unjust financial and emotional hardship. I was forced to retain legal representation due to these false claims, hiring XXXX XXXX of XXXX XXXX XXXX in XX/XX/2025. Unfortunately, he failed to advocate effectively, showing minimal effort in resolving the matter and instead prioritized collection of his retainer. 

As a result of your companys wrongful and negligent pursuit of this matter : I was compelled to pay installments totaling nearly {$20000.00} toward legal fees, I endured prolonged emotional stress, credit impact, and financial hardship, And I was left to navigate the legal system to correct an issue that your records should have resolved based on the evidence I provided. 
I am now represented by a new attorney who is fully aware of the facts of this case and has included a statement of representation along with this letter. You will also find attached : My drivers license, Copies of police reports and prior documentation already submitted, And an attorney letter confirming the ongoing legal handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The month of XX/XX/year> account was opened in my name and I guess they said somebody submitted verification of proof of changing of last name which that couldn't be possible and then they said that had an account 10 years back which I did not open they said it was opened by my spouse however that is not the case I asked for more information they told me they could not provide I know that both accounts were overdrawn and the thousands that's all they could tell me they refuse to give me any more information when I asked

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 2025-07-28 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: OH

Complaint narrative:
Please see attached letter of removal and proof of identity

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 2025-07-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing multiple collection accounts on my credit report that are either inaccurately reported or not mine. Specifically, these accounts include XXXX XXXX, Jefferson Capital, and XXXX XXXX. 

I have not received proper validation of these debts. Some may be the result of re-aged accounts or accounts opened fraudulently. The credit bureaus and data furnishers have continued to report this information even after disputes, which is a violation of the FCRA and potentially the FDCPA. 

I am requesting that these accounts be investigated thoroughly, with full validation of the original creditor, dates of delinquency, and supporting documentation. If they can not be verified, they should be removed from my credit report immediately. 

These items are negatively affecting my score and preventing me from moving forward financially. I have the right to accurate, fair, and verifiable credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am disputing multiple collection accounts on my credit report that are either inaccurately reported or not mine. Specifically, these accounts include XXXX XXXX, XXXX XXXX, and LVNV Funding. 

I have not received proper validation of these debts. Some may be the result of re-aged accounts or accounts opened fraudulently. The credit bureaus and data furnishers have continued to report this information even after disputes, which is a violation of the FCRA and potentially the FDCPA. 

I am requesting that these accounts be investigated thoroughly, with full validation of the original creditor, dates of delinquency, and supporting documentation. If they can not be verified, they should be removed from my credit report immediately. 

These items are negatively affecting my score and preventing me from moving forward financially. I have the right to accurate, fair, and verifiable credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACCURATE ACCOUNTS REPORTING.

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