vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment misrepresents my consistent payment history. I respectfully request its removal and an update to reflect my reliable record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-12 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXXXXXX  lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXXXXXX  lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXXXXXX  Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am disputing a private student loan that fraudulently appears under my name with XXXX XXXX. I did not authorize or complete this loan, and I believe it may have been fraudulently opened in connection with XXXX ( formerly XXXX XXXX ) which is under federal scrutiny for predatory loan practices. I sent a formal written dispute and request for documentation to XXXX XXXX by mail on XX/XX/year>. I received no response. I followed up with a second mailed request on XX/XX/year>, again demanding full validation of the loan, including any signed agreements or proof of authorization. On XX/XX/XXXX, XXXX responded by stating that they would only provide documentation if I created an online account with them. Conditioning my right to access legal documentation on creating an account is not acceptable and obstructs my rights under the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). As of XX/XX/year>, it has been 30 days since my original dispute was sent. XXXX  has not provided any of the requested documentation by physical mail, secure email, or any other valid means. This places them in violation of their obligations under federal law, which requires them to respond to disputes within 30 days and to provide verification upon request. I have already submitted a complaint to the Federal Trade Commission ( FTC ). I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to : Compel Ascent to provide full documentation validating this loan without requiring an online account ; Remove the account from any credit reports if it can not be verified ; Investigate XXXX  noncompliance with federal consumer protection laws. It has been well over 30 days and i have not received any form of proof, documentation, or agreements whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WESBANCO BANK, INC.
State: MI

Complaint narrative:
Summary of Mortgage Loan Transfer Issues : Wesbanco to XXXX XXXX  Background A mortgage loan transferred from Wesbanco to XXXX XXXX on XX/XX/year>. 
Multiple mortgage payments made in late XXXX were not properly transferred or credited to the new servicer. 
All transaction dates, amounts, and Wesbanco-issued confirmation/reference numbers were provided to Wesbanco on XX/XX/year>. 



Timeline of Relevant Transactions XX/XX/year> {$1000.00} payment from a Wesbanco checking account to the Wesbanco mortgage account. This payment has never appeared on the XXXX loan account and remains unaccounted for. 
XX/XX/year> XXXX payments were made : {$1500.00} and {$500.00}. 
XX/XX/year> Wesbanco representative XXXX stated both the {$1500.00} and {$500.00} payments were re-wired to XXXX. 
XX/XX/year> XXXX stated the {$500.00} payment XXXX have been sent in a batch transfer. 



Current Status of Payments {$1500.00} from XX/XX/XXXX Confirmed by XXXX  to have been received after the XX/XX/XXXX re-wire. 
{$500.00} from XX/XX/XXXX Still missing. XXXX  has stated it can not investigate further without the Wesbanco wire confirmation/tracking/reference number. 
{$1000.00} from XX/XX/XXXX Still missing and unaccounted for. 



Wesbanco Handling Concerns 1. Failure to Provide Proof of Transfer Despite repeated requests, Wesbanco has not provided the wire confirmation/tracking/reference numbers for the XX/XX/XXXX re-wires. 
XXXX. Lack of Urgency The representative initially stated there was no timeline for resolution, despite the federally recognized XXXX grace period for mortgage transfers. 
XXXX. Delays Despite Complete Information All relevant payment data was provided to Wesbanco in the first email on XX/XX/XXXX, yet it took over a week and XXXX emails to confirm only one of the missing payments.

4. Mismanagement Risk The inability to track and confirm payment transfers with provided transaction details raises concerns regarding the management of customer mortgage accounts. 
XXXX. Conduct and Role Concerns XXXX, the Assistant Vice President of Loan Operations, demonstrated a lack of empathy, understanding, and care in her communications, and failed to take basic steps that were within her ability to resolve the issue. The matter had to be escalated to someone higher in the organization, which is concerning given the seniority of her position. An AVP in Loan Operations is a high-level role with significant responsibility, and the inability to effectively handle a payment transfer issue raises questions about management competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am trying to get pre approved for a mortgage to buy a home that someone else is interested in buying, but I have first dibs and have till Friday to provide an approval letter. XXXX, the mortgage lender, is unable to pull my information due to the incorrect information, that experience is reporting. I have disputed the information in the past yet it still has not been changed. Not only are they showing a wrong name, but they are also showing a wrong address and not showing my current address, which Ive lived in for 14 years. When I tried to call someone through several different phone numbers, I got stuck on a recorded line that continuously hung up on me because it couldnt understand or help with my problem and continue to refer me to go online for a membership issues. There is nothing online directing me to a place where I can get the issue resolved immediately. This is a huge violation of my rights!!

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Account No. XXXX ( Original Creditor : Badcock ) To Whom It May Concern, This letter is a formal request for validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

According to my XXXX  credit report dated XX/XX/XXXX, your company is reporting a collection account allegedly opened on XX/XX/XXXX, for {$980.00}, originally owed to Badcock. This account is marked Potentially Negative and is scheduled to remain until XX/XX/XXXX. 

Under federal law, I am requesting complete validation of this alleged debt, which must include : 1. A detailed payment history showing how the balance of {$980.00} was calculated, including all fees, interest, and credits applied.

2. A copy of the original signed agreement or contract between myself and Badcock.

3. Proof of your legal right to collect this debt, including a complete chain of assignment from Badcock to Jefferson Capital Systems.

4. Verification of the date of first delinquency ( DOFD ) to ensure compliance with the seven-year reporting limit under 15 U.S.C. 1681c ( a ).

5. Proof of your licensing to collect debts in my state, if required by law. 

Until such validation is provided, you must cease all collection efforts and remove this account from all consumer credit reports in compliance with 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue civil action for any violations of my rights under federal or state law. 

I expect a written response within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within 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 2025-08-13 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief