vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
On XXXX, XXXX, I discovered XXXX XXXX XXXX  ( Account # XXXX  ) is reporting fraudulent Metro 2 violations to all credit bureaus : 1. * * Illegal Re-Aging ( FCRA 605 ( c ) ) : * * - Account charged off XX/XX/XXXX ( confirmed by status history ) - XX/XX/XXXX falsely reports " {$630.00} past due '' to reset 7-year clock 2. * * Impossible Account Status ( Metro 2 4.4.1 ) : * * - Simultaneously shows : - " Charged off '' ( Status Code 9X ) - " {$630.00} past due '' ( Status Code 11 ) 3. * * Fabricated Payment History : * * - Claims 120-day late payment XX/XX/XXXX despite : - Last payment : XX/XX/XXXX - Account closed : XX/XX/XXXX * * Company Actions : * * - XXXX XXXX refuses to provide Metro 2 compliance documentation - Credit bureaus verify via automated systems ( e-OSCAR ) without original records * * Demand : * * - Immediate deletion of this tradeline - Civil penalties for willful non-compliance ( 15 U.S.C. 1681n )

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 2025-06-29 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: GA

Complaint narrative:
CFPB COMPLAINT FCRA VIOLATIONS : 605C, 605B, 607 ( B ), 611 ( A ), 611 ( A ) ( 7 ) Subject : FAILURE TO HONOR XXXX XXXX REMOVAL REQUEST UNDER FCRA XXXX CASE # XXXX To Whom It May Concern : This complaint concerns the mishandling of my FCRA 605C request by TransUnion LLC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received responses from the agencies stating that my submission lacked proper documentation confirming my status as a XXXX XXXX XXXX XXXX. I respectfully challenge that claim and request immediate review and corrective action. 

DOCUMENTATION ALREADY PROVIDED : FCRA 605C Self-Attestation Form ( signed ) Confirmation Letter from : XXXX XXXX XXXX , Deputy Chief Assistant District Attorney XXXX XXXX XXXX XXXX XXXX & Internet Crimes Unit Phone : XXXX XXXX ) XXXXXXXX XXXX XXXX Period : XX/XX/XXXX XX/XX/XXXX FTC Identity Theft Report ID ( XXXX ) : XXXX, XXXX, XXXX Police Report # : XXXX ( initial ) ; XXXX ( follow-up ) Losses Incurred : {$4600.00} in returned checks due to identity theft Active Security Freezes : XXXX, XXXX, XXXX This documentation meets the requirements outlined under FCRA 605C and 12 C.F.R. 1022.142 regarding victim determination by law enforcement or authorized governmental entities.

UNVERIFIABLE BANKRUPTCY FCRA 611 ( A XXXX XXXX XXXX  Does not report the XXXX XXXX bankruptcy TransUnion & XXXX  : Do report the bankruptcy but with conflicting court names and case references XXXX Bankruptcy XXXX ( XXXX XXXX XXXX GA ) : Has confirmed they do not report consumer filings to credit bureaus XXXX : My file is frozen rendering any third-party verification invalid These inconsistencies prove that no legitimate or accurate reinvestigation could have taken place, violating : 611 ( a ) Failure to reinvestigate 611 ( a ) ( 7 ) Failure to disclose Method of Verification 607 ( b ) Failure to maintain maximum accuracy CONFIRMED FRAUD ALERTS ( RELATED TO XXXX XXXX Alert Type Date Status Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Dark Web Exposure XX/XX/XXXX Multiple Alerts These alerts are further proof of identity compromise consistent with XXXX XXXX and forced control.

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 2025-06-29 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:
CFPB COMPLAINT FCRA VIOLATIONS : 605C, 605B, 607 ( B ), 611 ( A ), 611 ( A ) ( 7 ) Subject : FAILURE TO HONOR XXXX XXXX REMOVAL REQUEST UNDER FCRA 605C CASE # XXXX To Whom It May Concern : This complaint concerns the mishandling of my FCRA 605C request by XXXX XXXX XXXX Equifax Information Services LLC XXXX and XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received responses from the agencies stating that my submission lacked proper documentation confirming my status as a XXXX XXXX XXXX XXXX  I respectfully challenge that claim and request immediate review and corrective action. 

DOCUMENTATION ALREADY PROVIDED : FCRA 605C Self-Attestation Form ( signed ) Confirmation Letter from : XXXX XXXX XXXX XXXX XXXX Chief Assistant District Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Period : XX/XX/XXXX XX/XX/XXXX FTC Identity Theft Report ID ( XXXX ) : XXXX, XXXX, XXXX Police Report # : XXXX ( initial ) ; XXXX ( follow-up ) Losses Incurred : {$4600.00} in returned checks due to identity theft Active Security Freezes : XXXX, XXXX, XXXX This documentation meets the requirements outlined under FCRA 605C and 12 C.F.R. 1022.142 regarding victim determination by law enforcement or authorized governmental entities. 

UNVERIFIABLE BANKRUPTCY FCRA 611 ( A ) Equifax : Does not report the XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX Do report the bankruptcy but with conflicting court names and case references U.S. Bankruptcy Court ( XXXX XXXX XXXX GA ) : Has confirmed they do not report consumer filings to credit bureaus XXXX : My file is frozen rendering any third-party verification invalid These inconsistencies prove that no legitimate or accurate reinvestigation could have taken place, violating : 611 ( a ) Failure to reinvestigate 611 ( a ) ( 7 ) Failure to disclose Method of Verification 607 ( b ) Failure to maintain maximum accuracy CONFIRMED FRAUD ALERTS ( RELATED TO XXXX ) Alert Type Date Status Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Dark Web Exposure XX/XX/XXXX Multiple Alerts These alerts are further proof of identity compromise consistent with XXXX XXXX  and forced control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Conference of XXXX Bank Supervisors ( XXXX ) Attn : Consumer Complaint Division XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Wells Fargo Mortgage XXXX XXXX Dear XXXX XXXX Team, I am submitting this formal complaint as a licensed mortgage loan originator holding XXXX ID XXXX XXXX and XXXX. I believe I have been subjected to treatment by Wells Fargo Bank , N.A . that not only violates provisions under RESPA, TILA, FCRA, and ECOA, but which also constitutes a pattern of behavior that is discriminatory and potentially extortionate. 

On XX/XX/year>, I received a response to my Qualified Written Request ( QWR ) and Notice of Error ( NOE ) from XXXX XXXX XXXX Complaints Management Office , ' signed by an individual identified as XXXX XXXX, Executive Office Case Specialist . ' Despite clearly raising issues that merit legal and regulatory scrutiny, no licensed attorney nor any representative with a verifiable NMLS ID has responded to my QWR or NOE. Instead, I was instructed to contact 'Face Servicing, ' and my request for credit reporting correction was denied. 

I verbally asked both XXXX from Wells Fargos Mediation Department and XXXX XXXX whether they had XXXX licenses or legal qualifications to handle a QWR/NOE response XXXX Both failed to provide credentials. XXXX XXXX explicitly confirmed during a phone call that he was not licensed and that the QWR/NOE was routed back to him instead of Wells Fargos legal department . This raises serious concerns about regulatory evasion and lack of consumer protections. 

Moreover, as a licensed professional myself, I fear that my dual role as a consumer and licensee is being used against me. I believe the conduct may amount to retaliation or extortion, deterring me from asserting my legal rights. I am also concerned about potential collusion between customer service departments and broader systemic efforts to bypass regulatory oversight. 

I have attached the XX/XX/year> letter from Wells Fargo, as well as a timeline and fax receipts showing my efforts to obtain a lawful response. I respectfully request that the XXXX investigate this matter and hold Wells Fargo and its representatives accountable for their ongoing disregard for mortgage servicing and consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX ID : XXXX / XXXX Phone : 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 2025-06-29 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: CL Holdings LLC
State: TX

Complaint narrative:
I have been the victim of identity theft. On XX/XX/year>, I discovered that unauthorized accounts was opened at JEFFERSON CAPITAL SYST using my personal information. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. I am requesting that this account be immediately closed and that all associated fraudulent charges be removed. I have filed a report with the Federal Trade Commission and have enclosed a copy of my FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I have been the victim of identity theft. On XXXX XXXX, I discovered that unauthorized accounts was opened at XXXX XXXX XXXX  using my personal information. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. I am requesting that this account be immediately closed and that all associated fraudulent charges be removed. I have filed a report with the Federal Trade Commission and have enclosed a copy of my FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer 2. Notify the furnisher that the information has been deleted or modified I did not authorize or open the following accounts. These items were the result of identity theft, and I have already filed an FTC Identity Theft Report. I want these removed from my credit profile immediately : XXXX XXXX loan account with a balance of {$12000.00} reporting as a charge-off. I never opened this account or did business with XXXX. 
XXXX XXXX XXXX XXXX loan account with a balance of {$22000.00} showing a charge-off status. I did not authorize or open this account. 
XXXX XXXX XXXX XXXX Credit card account with a {$2000.00} balance reported as a charge-off. I have never had any credit card with XXXX XXXX and did not apply for this.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a charged off account with Capital One ending in XXXX. I set up a payment plan with Capital One in XXXX for XXXX XXXX. I have made every payment on time but Capital One has continued to report late payments. I did reach out to Capital One and was told there was nothing they could do about it. I have also disputed with the credit bureaus and they continue to report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer XXXX. Notify the furnisher that the information has been deleted or modified I did not authorize or open the following accounts. These items were the result of identity theft, and I have already filed an FTC Identity Theft Report. I want these removed from my credit profile immediately : XXXX XXXX XXXX  account with a balance of {$12000.00} reporting as a charge-off. I never opened this account or did business with XXXX. 
XXXX XXXX XXXX XXXX XXXX  account with a balance of {$22000.00} showing a charge-off status. I did not authorize or open this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account with a {$2000.00} balance reported as a charge-off. I have never had any credit card with XXXX XXXX and did not apply for this.

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 2025-06-29 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: TX

Complaint narrative:
According to 15 USC 1681s-2, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with the credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint, s they never sent verification of the original contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Equifax is reporting multiple accounts on my credit file that are fraudulent, inaccurate, and not mine. These accounts were added without my knowledge or consent and are the result of identity theft, data breach exposure, or misreporting. The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX, all marked derogatory and harming my credit profile. 

On XX/XX/year>, I submitted a formal dispute under FCRA 605B, along with an FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring these records fraudulent. Despite this, Equifax has failed to block or delete these accounts as required by law. 

Their continued reporting of these false accounts has caused credit denials, higher interest rates, emotional distress, financial harm, and reputational damage. This inaction violates my rights under federal law and demonstrates Equifaxs failure to maintain accurate consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information unde

r 15-U.S.C. & 1681e ( b ) Dear Sir/Madam I am writing to formally dispute the accuracy of certain information in my credit report, as maintained by your agency, in agencies are with the Fair Credit Reporting Act ( FCRA ), Specifically 15 U.S.C. & 1681 e ( b ). According to 1681 e ( b ) credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information they compile & report. I have identified that the following items in my credit report are incorrect.

Collections 1.Affirm INC {$1000.00} Identity Theft account number account sold off XXXX 2. Affirm INC {$460.00} Identity Theft account number account sold off XXXX XXXX XXXX XXXX company sold off to XXXX XXXX account number XXXX Identity Theft XXXX. XXXX XXXX XXXX XXXX {$290.00} account number XXXX Identity Theft XXXX sold off to XXXX amount XXXX account number XXXX Identity Theft XXXX. XXXX XXXX Original creditor XXXX XXXX XXXX  account sold off amount {$860.00} acct number XXXX Identity Theft XXXX. XXXX XXXX Original creditor XXXX XXXX XXXX acct number XXXX Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$6300.00} account number XXXX Identity Theft XXXX XXXX XXXX XXXX original creditor XXXX XXXX  {$2000.00} account number XXXX Identity Theft Inquiries XXXX  XXXX XXXX Identity Theft XXXX XXXX XXXX Identity Theft XXXX XXXX XXXX XXXXXXXX Identity Theft XXXX XXXX XXXXXXXX Identity Theft XXXX XXXX XXXX XXXXXX/XX/XXXX Identity Theft XXXX XX/XX/XXXX Identity Theft XXXX XXXX Identity Theft XXXX XXXXXXXX Identity Theft I request that you investigate these matters and if found to be inaccurate or unverifiable, please delete this information from my credit report promptly. Additionally, please provide me with the results of your investigation, including a description of the procedures used to determine the accuracy of the disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You said : On XX/XX/XXXX, I discovered XXXX XXXX XXXX  ( Account # XXXX  ) is reporting fraudulent Metro 2 violations to all credit bureaus : 1. * * Illegal Re-Aging ( FCRA 605 ( c ) ) : * * - Account charged off XX/XX/XXXX ( confirmed by status history ) - XX/XX/XXXX falsely reports " {$630.00} past due '' to reset 7-year clock 2. * * Impossible Account Status ( Metro 2 4.4.1 ) : * * - Simultaneously shows : - " Charged off '' ( Status Code 9X ) - " {$630.00} past due '' ( Status Code 11 ) 3. * * Fabricated Payment History : * * - Claims 120-day late payment XX/XX/XXXX despite : - Last payment : XX/XX/XXXX - Account closed : XX/XX/XXXX * * Company Actions : * * - XXXX XXXX refuses to provide Metro 2 compliance documentation - Credit bureaus verify via automated systems ( e-OSCAR ) without original records * * Demand : * * - Immediate deletion of this tradeline - Civil penalties for willful non-compliance ( 15 U.S.C. 1681n )

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 2025-06-30 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am disputing an inaccurate report on my checking account status with XXXX XXXX XXXX and ChexSystems. 

On XX/XX/year>, I paid off my charged-off account with XXXX XXXX in the amount of {$1400.00} using my XXXX XXXX XXXX account. XXXX XXXX has confirmed the account is paid off on their end, and I have submitted proof of this payment to both XXXX XXXX XXXX and ChexSystems. However, my report has not been updated, and the negative mark is still showing. 

This is now preventing me from reopening my account and accessing regular banking services. 

I am requesting that XXXX XXXX XXXX  and ChexSystems update their records to reflect that this account has been paid in full and is no longer in default.

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