vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Debt collection agency reported 2 medical accounts as delinquent with amount about XXXX dollars. I disputed with credit bureau and in the meantime debt collection agency sent me proof of debt. This proof of debt did not include XXXX dollars that I had paid to original creditor. I contacted debt collection agency about this and also indicated that the difference between what they had reported and what I had paid was probably original creditor trying to collect code XXXX which is what they are obligated to accept as payment and not to bill insured for the difference. Collection agency said they would contact original creditor about this and get back to me, this was on XX/XX/year>2025. I have not heard from them and today debt was again reported on XXXX. I have proof of payments to original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i pointed out the inaccuracies on my credit report TransUnion, XXXX, and 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX ( MCM ) on my credit report. I initially disputed this account a few years ago for the following reason : Around the same time, I received XXXX separate lettersone from Citibank attempting to collect on a past-due account and another from XXXX XXXX XXXX for XXXX same debt, with no explanation of the account transfer or assignment. I had never received prior notice from Citibank that the account had been sold or transferred. The simultaneous collection attempts and lack of transparency made me believe the MCM letter might be a scam or fraudulent, prompting my dispute. 

Recently, I contacted XXXX XXXX to inform them that I no longer wish to dispute the account. I was advised to use their company portal to remove the dispute comment from my XXXX  credit report. I did as instructed and was told the remark would be removed within XXXX hours. However, the comment has never been removed, and it continues to affect my credit report and my ability to secure new accounts. 

Additionally, I discovered that XXXX XXXX XXXX obtained a legal judgment against me without properly notifying me of any pending court action. I was never served or made aware of a lawsuit, which violates my right to due process. This judgment has added further harm to my creditworthiness. 

Because of this negative information, I am being advised not to pay the collection right now, as doing so would convert it to a paid collection statusstill harmful under most lending criteria. I need to secure stable housing for my family, and this unresolved dispute remark and hidden judgment are serious barriers to doing so

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 2025-07-26 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: AL

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 XXXX 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 2025-07-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I previously disputed the XXXX XXXX account ( ending in XXXX ), which appears on my Experian report as charged off. Experian marked it as updated, but no corrections were made and no proof was provided. 

Under FCRA 611 ( a ) ( 7 ), I requested the method of verification, including the name, address, and documentation used to verify the account. Experian failed to provide this information or conduct a reasonable reinvestigation.

This inaccurate reporting is causing harm to my credit profile and violates my rights under the FCRA. Please enforce Experians obligation to either verify the information with proper documentation or delete the account entirely. 

Date opened : XX/XX/year>

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Fair Collections and Out Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone fraudulently used my account to make several purchases and transfers totaling almost {$3000.00}. I read on Wells Fargo website that they would reimburse me for the charges as I didnt make them and Im not responsible for them. And it was all the money I had, I had recently loaded the cash into my account. So I have been struggling sine XX/XX/XXXX and tomorrow is day XXXX and I just want to make sure they are motivated to finish their investigation so I can receive my money back, Im having a really hard time of it. Thank you for your help

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
For the past several months ( approximately 9 months ), XXXX XXXX XXXX XXXX has repeatedly made it nearly impossible for me and the primary borrower to submit payments on time, despite advertising accessible payment options. 

Specifically : XXXX regularly sends text messages and emails stating that payments can be made online, but when we attempt to use their portal, it says the account is " locked ''. 

When we call the automated phone system to pay, the system disconnects after entering the payment option, preventing completion of the transaction. 

Attempts to speak with customer service have resulted in agents refusing to help, rude behavior, and multiple hang-ups. They state that I have no rights and that speaking to me is merely an attempt to collect a debt. 

When payment is finally accepted, XXXX charges an extra fee, in addition to the interest already being paid, to process it effectively penalizing us for using the only functioning payment method. 

When I recorded a call to document the issue, an agent became belligerent and ended the call. 

This systematic obstruction has made it impossible to maintain a consistent payment schedule, despite every good-faith effort on my part to comply. Nonetheless, they have reported me as late to the credit bureaus, which is damaging my credit and is both unfair and deceptive. 

I believe this conduct violates the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) or Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) standards enforced by the CFPB.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I discovered that I was a victim of identity theft. 
There are unauthorized inquiry listed that I do not recognize. Specifically, I see fraudulent inquiry. XXXX on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I request that these fraudulent entry be removed from my credit report. i also attached my identity theft 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 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: LA

Complaint narrative:
According to the 15 U.S.C 1681 law there should not be any damages on your report. Its a defamation to your character. 

See attachments.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to the 15 U.S.C 1681 law there should not be any damages on your report. Its a defamation to your character. 

See attachments.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May  Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file IS not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMAIL : 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally request the removal of a Collection account listed under my credit report. Upon reviewing my credit report, I have found that this account named Jefferson Capital Systems is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to get my free credit reports and why. Equifax stated I couldnt because I had a dispute and TransUnion mailed me a form requesting payment and stating my address which I tried to correct online was wrong. I was unable to upload my lease agreement on this site it exceeds the size limit. Experian and TransUnion are reporting different credit scores to me and to lenders see attached. Im having issues trying to update my information even though Ive submitted the documents they requested. I want to know what other credit score are being reported to agencies or lenders. I wouldnt apply if I knew my true scores.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I attempted to get my free credit reports and why. Equifax stated I couldnt because I had a dispute and TransUnion mailed me a form requesting payment and stating my address which I tried to correct online was wrong. I was unable to upload my lease agreement on this site it exceeds the size limit. Experian and TransUnion are reporting different credit scores to me and to lenders see attached. Im having issues trying to update my information even though Ive submitted the documents they requested. I want to know what other credit score are being reported to agencies or lenders. I wouldnt apply if I knew my true scores.

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 2025-07-27 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: DISCOVER BANK
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a investigation to Equifax with the below information and to no avail. Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from ._, my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Went to car dealership with pre approved loan from XXXX. Was badgered by salesmen to apply for credit with them. I declined. Then he explained he was only running my credit with XXXX XXXX XXXX. He explained they had low rates on several brand new XXXX. I was then told I was declined for promotional rate so stuck with original plan to buy a used XXXX. Fast forward one week. I go back to dealership to sign paperwork to buy the car. I am told my XXXX loan had ran out it was for 30 days and I was on day 32! I didnt know I had an expiration date. So I am told to finance with them and just refinance with XXXX when I get the chance? So I do it. I explained to finance guy that i wanted to finance for 3 years instead of 5 cause I was quoted like XXXX/month for 5 years so he then calls XXXX and says they are closed ( it was around XXXX Sunday ) so i decide just do the original 5 year plan. Several days layer i go to refinance and am denied. I find out its due to several recent credit inquires? I go online and lose my mind when I see 7 different inquiries. Even worse I see 2 different dates? And XXXX and XXXX XXXX  both listed twice!! I send letter explaining. And ask for PROOF something I signed authorizing inquires. I then get email saying " INVESTION COMPLETE '' then go to see results and get message saying I need to call them? I don't need to call anybody. I want answers and I want results not excuses. Im not calling or waiting 2 hours on hold to explain something ive already explained. I asked for proof not a phone consultation so send me the proof!!! Even worse I know they didn't investigate anything as the XXXX and XXXX listed 2x was a given!! Thats the law no double reporting, correct? It's always Experian never XXXX  or XXXX  just Experian

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