vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this follow-up regarding my previous complaint concerning multiple accounts on my credit file that contain inaccurate, incomplete, or unverifiable information, which materially misrepresent my creditworthiness. Specifically, * * XXXX  XXXX XXXX  XXXX XXXX * * and * * XXXX  XXXX XXXX, XXXX. XXXX * * are reported as late closed accounts with a XXXX balance, yet my verified statements show these accounts were maintained in good standing with no late payments ; I am requesting verification of the final account status, payment history, and all dates of activity directly from the original creditors to ensure accurate reporting. Additionally, * * XXXX  XXXX * * is reported as a charge-off account with a XXXX balance, though my records indicate it may have been resolved or satisfied ; verification of the charge-off date, final balance, and any late payments from the original creditor is requested to correct any inconsistencies. Finally, * * XXXX XXXX * * is reported as a collection account with a balance of {$2200.00}, which may not accurately reflect the amount owed, dates of delinquency, or original creditor 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
Consumer complaint received 2025-11-25 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} and the failure of the credit reporting agencies Experian, Equifax and Transunion to properly investigate and correct these inaccuracies , in violation of multiple federal laws. Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity. 5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. Legal Precedent In XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

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 2025-11-25 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:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} and the failure of the credit reporting agencies Experian, Equifax and Transunion to properly investigate and correct these inaccuracies , in violation of multiple federal laws. Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity. 5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. Legal Precedent In XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My mortgage servicer, loanDepot, instructed me to skip my mortgage payment for XX/XX/XXXX. On XX/XX/XXXX, a representative told me directlythis call was recordedDo not make the payment for XX/XX/XXXX. Amount for the payment is approximately {$4500.00} I relied on this instruction in good faith. loanDepot is now demanding payment and attempting to charge me late fees. 

I am requesting : A full review of the recorded call Written confirmation that the XX/XX/XXXX payment is waived or deferred Removal of any late fees or penalties Assurance that no negative credit reporting has or will occur The company has not properly addressed the issue after I contacted them. I am asking the CFPB to assist in having the servicer correct this servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to formally request a refund of {$36.00} that was charged to my account by Wells Fargo Bank. This charge is incorrect and was assessed without proper justification. I have reviewed my account activity and confirmed that I did not authorize any transaction or action that should have resulted in this fee. 
Please investigate this matter and promptly credit the amount of {$36.00} back to my account. I expect written confirmation that the refund has been issued and that the cause of the improper charge has been addressed. 
Also a XXXX overdraft fee has been applied to my account. From this happening I am demanding that the account to be close. 

I appreciate your immediate attention to this issue. If you need any additional information to complete the refund, please contact me at the phone number or email listed above. 
Thank you for your prompt cooperation.

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 2025-11-25 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ) & 1692d Fair Debt Collection Practices Act ( FDCPA ) Your Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, Indiana XXXX Email : XXXX Phone : XXXX Date : XXXX To : Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX Re : Cease & Desist Communication Notice Account Number : XXXX To Whom It May Concern, This letter serves as an official Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I am asserting my rights under 15 U.S.C. 1692c ( c ) and formally demanding that Portfolio Recovery Associates , LLC immediately cease all communication with me regarding the above-referenced alleged debt.

Under 15 U.S.C. 1692c ( c ) : " If a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must stop all further contact except for specific, legally-required notices. '' Additionally, under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses the consumer. Any continued communication after receipt of this notice will be considered a knowing violation of federal law.

If you believe you have the legal right to continue collection, you must provide full validation of the debt as required under 15 U.S.C. 1692g, including : 1. Proof of your authority to collect 2. The original creditor 3. Complete payment history 4. Signed contract or agreement 5. Verification that the alleged debt is valid and owed by me Until such validation is provided, you must immediately cease reporting this alleged debt to all credit bureaus and remove any active negative reporting, as furnishing unverified information violates the Fair Credit Reporting Act ( FCRA ).

Failure to comply will result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) - Complaints with the Indiana Attorney Generals Office - Consideration of a civil action for statutory damages, attorneys fees, and costs under 15 U.S.C. XXXX This is your final notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX, XXXX XXXX Balance {$11.00} XXXX XXXX  XXXX Balance {$8100.00} XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXX Balance {$14000.00}

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 2025-11-25 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: IN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-25 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: IN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious 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 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, inconsistencies, and potentially unlawful reporting practices by the XXXX major credit bureausEquifax, Experian, and TransUnionas well as their furnishers, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. account XXXXXXXX XXXX XXXX XXXX. Across my credit reports, XXXX XXXX reports a balance of {$330.00} on all three bureaus, but the date of first delinquency and charge-off status appear inaccurate or incomplete, violating FCRA 605 ( a ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( A ), and I am exercising my right under FCRA 611 to dispute this information. XXXX  XXXX XXXX accounts report a {$0.00} balance, but identifiers and account history are inconsistent across TransUnion and Equifax, which may constitute inaccurate or obsolete reporting under FCRA 605 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX XXXX XXXX  collection account XXXX * * * reports a balance of {$1000.00} that may be inaccurate, misleading, or unverifiable, potentially violating FDCPA 807, 808, and 809, as well as FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), and 611. These discrepancies compromise my creditworthiness, expose me to unfair practices, and constitute violations of my rights under federal law, including my right to dispute inaccurate information, request debt validation, and receive full disclosure under FCRA 609 ( a ) ( 1 ). I have already requested verification and correction from the credit bureaus, but these issues remain unresolved, causing ongoing financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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