vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Summary of Update This submission serves as a formal supplemental update to the above-referenced complaints, all filed on XX/XX/XXXX, regarding the continued reporting of unverified bankruptcy information and the improper use of consumer data by the three nationwide credit reporting agencies. 

On XX/XX/XXXX, I mailed certified dispute letters to each bureau, as documented in the exhibits already provided. 
Under the CFPBs Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), these disputes are subject to a 60-day right-to-review and correction period. 
That statutory timeframe expires on XX/XX/XXXX. 

To date, none of the three bureaus has provided written verification from the originating court or removed the disputed bankruptcy record, despite confirmation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that courts do not furnish consumer data. 

Expanded Findings Further investigation shows that the unverified public-record data originates through third-party data aggregatorsnot the courtsincluding : XXXX XXXX XXXX and XXXX XXXX ( both opted out XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX no file found ). 

In addition, XXXX adverse actions occurred as a result of this faulty data chain : XXXX XXXX XXXX ( XX/XX/XXXX ) : Declined purchases citing a recent bankruptcy generated by an AI-based model with no human reviewviolating ECOA XXXX XXXX XXXX ( b ). 

XXXX XXXX  ( Credit Card Incident ) : The Card Was shipped to the wrong address, resulting in erroneous reporting. I request correction to never activated by consumer, deletion of related inquiries, and production of address-source and decision logs. 

Legal Basis FCRA 607 ( b ) : Failure to assure maximum possible accuracy FCRA 611 ( a ) : Failure to complete reinvestigation within the required period FCRA 623 ( a ) ( 2 ) : Continued reporting of unverifiable data ECOA Reg B 1002.9 ( b ) : Automated adverse actions without human review CFPA 1036 : Unfair or deceptive acts and practices ( UDAAP )

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 2025-10-14 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: GA

Complaint narrative:
Summary of Update This submission serves as a formal supplemental update to the above-referenced complaints, all filed on XX/XX/XXXX, regarding the continued reporting of unverified bankruptcy information and the improper use of consumer data by the three nationwide credit reporting agencies. 

On XX/XX/XXXX, I mailed certified dispute letters to each bureau, as documented in the exhibits already provided. 
Under the CFPBs Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), these disputes are subject to a 60-day right-to-review and correction period. 
That statutory timeframe expires on XX/XX/XXXX. 

To date, none of the three bureaus has provided written verification from the originating court or removed the disputed bankruptcy record, despite confirmation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that courts do not furnish consumer data. 

Expanded Findings Further investigation shows that the unverified public-record data originates through third-party data aggregatorsnot the courtsincluding : XXXX XXXX XXXX and XXXX XXXX ( both opted out XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX no file found ). 

In addition, XXXX adverse actions occurred as a result of this faulty data chain : XXXX XXXX XXXX ( XX/XX/XXXX ) : Declined purchases citing a recent bankruptcy generated by an AI-based model with no human reviewviolating ECOA XXXX XXXX XXXX ( b ). 

XXXX XXXX  ( Credit Card Incident ) : The Card Was shipped to the wrong address, resulting in erroneous reporting. I request correction to never activated by consumer, deletion of related inquiries, and production of address-source and decision logs. 

Legal Basis FCRA 607 ( b ) : Failure to assure maximum possible accuracy FCRA 611 ( a ) : Failure to complete reinvestigation within the required period FCRA 623 ( a ) ( 2 ) : Continued reporting of unverifiable data ECOA Reg B 1002.9 ( b ) : Automated adverse actions without human review CFPA 1036 : Unfair or deceptive acts and practices ( UDAAP )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently reporting on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumer reporting agencies must conduct a reasonable reinvestigation of any disputed item of information, and 15 U.S. Code 1681e ( b ), which requires maximum possible accuracy. 
XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$6800.00} This account is being reported inaccurately and unlawfully in violation of XXXX XXXX XXXX reporting standards. The reporting fails to properly define the payment history and current status in accordance with the XXXX XXXX XXXX XXXX ( XXXX ). I do not recall that I was late on this account, and no proper verification has been provided to confirm its legitimacy. Furthermore, the reported late payment violates FCRA 1681i ( a ) if not fully verified through a proper investigation with original documentation. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This closed account is inaccurately reflecting a delinquency without properly indicating the final payment status and is misrepresenting the accurate delinquency history as prescribed under XXXX XXXX reporting format. Failing to report the proper Account Status Code and Payment Rating misleads other data users and violates FCRA 1681e ( b ). I demand evidence that the late payment is valid, accurate, and verifiable through original recordsnot mere data handoffs. 
Pursuant to my rights under FCRA 1681i, I demand an immediate investigation into the accounts listed above. If verification can not be substantiated with original signed documentation and complete compliance with XXXX XXXX guidelines, I request that each account be permanently deleted from my credit profile. This letter also serves as a notice of dispute under FCRA 623 ( a ) ( 3 ) to any furnishers involved in this 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
As per the document, XXXX alleged that I, or a person directed by me, authorized the movement and subsequent dispersal of {$5000.00} from my accounts and XXXX XXXX. 
I have stated several times that I did NOT authorize these actions while I was speaking to a representative who claimed he was a Wells Fargo employee. I did not initially realize that I was being misled. 

Secondly, when the perpetrators tried to access my XXXX XXXX to get the {$5000.00}, they were DENIED XXXX times. Who, rightly so, denied that access XXXX  times and why was access permitted the XXXX time? The XXXX XXXXXXXX and I jointly talked to a WF representative who blatantly told us that WF had no control over that access. 

Finally, when I closed my WF accounts the reason given, on paper, was FRAUD! 

No one can believe that Wells Fargo, who promised me Id get my money back during my first urgent phone call, would so blatantly and cruelly prevent me from getting my stolen money back. They have fraud insurance, but have done everything in their power to deny my requests. 

It has now been XXXX  months and XXXX complaints later and they have offered NOTHING to compensate for my loss. I was banking with them for XXXX years and this is how they treated a loyal customer. 

SHAME! SHAME! SHAME!

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  Ford Motor Credit Company XXXX XXXX XXXX Lease Dispute Department I am writing to formally dispute an outstanding balance of {$2000.00} that is currently being reported on my account following the return of my leased vehicle. 

The vehicle associated with the account listed above was returned at the end of the lease term to XXXX XXXX, XXXXXXXX XXXX  on or about. At the time of return, I was explicitly advised by XXXX XXXX personnel that there were no outstanding balances, fees, or final lease obligations due upon completion of the transaction. 

Furthermore, I have never received any official documentation or invoice from Ford Motor Credit detailing or justifying this alleged balance of {$2000.00}. I can not pay a debt for which I have not received proper notice or evidence. 

Based on the confirmation received from the dealership at the time of return, and the subsequent lack of supporting documentation from your office, I believe this outstanding balance is erroneous. 

I formally request that you conduct a thorough investigation into this discrepancy and immediately remove the full {$2000.00} balance from my account. I also respectfully demand that you notify all credit reporting agencies ( XXXX XXXX XXXX XXXX ) to delete this inaccurate entry from my credit report immediately. 

Please provide written confirmation within XXXX days of receipt of this letter that this balance has been cleared and the credit bureaus have been updated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

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 identity 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 completeandaccurate.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The account listed as Capital One Auto Finance ( Acct # XXXX ) is inaccurately reported as open with an active balance of {$15000.00} even though it has been charged off and written off for {$16000.00}. Additionally, I made a payment on XX/XX/year>, after the alleged charge-off, which further proves the report is inaccurate. Please investigate and correct or delete this entry in accordance with the Fair Credit Reporting Act. Regardless of the negative reporting, an account can not be listed as XXXX, XXXX, XXXX, XXXXXXXX XXXX days late. That is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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