vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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:
This is a supplemental complaint to CFPB XXXX # XXXX, originally submitted on XX/XX/year>, regarding Experians continued reporting of fraudulent accounts tied to a larger identity theft case. 

Since filing the original complaint, I have uncovered new evidence that strengthens the case and should be reviewed in full by Experian and the CFPB. 

New FTC Identity Theft Report Fraudulent Bank Accounts : I recently became aware that one or more fraudulent bank accounts may have been opened under my name, including a XXXX XXXX XXXXXXXX account. I have submitted a new FTC Identity Theft Report ( # XXXX ) to document this additional fraud. 

It appears that these fraudulent accounts may have been opened for the purpose of receiving funds from the identity theft-related loans currently being reported on my credit file.

Relevance to Experians Reporting : After reviewing my original identity theft affidavit and police report, Experian removed most of the fraudulent loan accounts. However, two collection accounts from XXXX XXXX XXXX which are directly tied to the previously removed XXXX accounts are still being reported. 

These collection accounts are part of the same fraudulent activity and should have been blocked in accordance with the Fair Credit Reporting Act ( FCRA 605B / 15 U.S.C. 1681c-2 ).

The new FTC report further supports the legitimacy of my dispute and demonstrates a broader identity theft scheme that extends beyond just the loan applications.

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 2025-08-31 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate/Unverifiable Collections Request for Deletion or Correction ( FCRA 607 ( b ), 611 ; Metro 2 ) To Whom It May Concern, I am disputing the following Equifax-reported collection accounts as inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, you must conduct a reasonable reinvestigation and delete any item that can not be verified with original-source documentation within 30 days. Please also ensure Metro 2 compliance ( accurate DOFD, status, and dispute coding/XB ). Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid | Comments : MEDICAL Factual : No Date of First Delinquency ( DOFD ) shown ; balance and dates unverified ; medical provider name disclosed. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. HIPAA privacy concerns for medical disclosure. Metro 2 : Missing DOFD ( Field 25 ) ; improper/blank status ( Field 17 ) ; XXXX  dispute flag not applied. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid | Comments : MEDICAL Factual : Duplicate/mirroring entry ; balance unverified ; provider disclosed. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. HIPAA. Metro 2 : DOFD missing ; improper status coding ; no XXXX  dispute flag. 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  | Status : Unpaid Factual : Balance/liability unverified ; DOFD missing ; assignment/ownership unproven. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. Metro 2 : DOFD absent ; improper/blank coding ; XXXX  flag not present. Method of Verification ( MOV ) Request : If any item is verified, provide the MOV per FCRA 611 ( a ), including : ( 1 ) name, address, and phone for the furnisher ; ( 2 ) the individual who verified ; and ( 3 ) copies of the original contract, statements, payment records, and assignment/sale documents relied upon. Relief Requested : Delete any item you can not verify with original records, or correct it to full Metro 2 compliance. Apply the XXXX  dispute code during reinvestigation. Send me written results and an updated report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX ( copies only ) : Government ID ( front ) Proof of address ( utility bill ) Highlighted copy of my Equifax report showing the disputed items Any supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9500.00} from { XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9500.00} from { XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Hi I'm having trouble paying off the mortgage loan balance as the lender is only allowing to pay XXXX in a day which took me 4 days to payoff my loan instead of one day, which resulted in me paying extra interest for the other 4 days. 
Also the last payment was applied to my principle after few days which also resulted in extra interest from my pocket.

I wish the company would have allowed to payoff my loan in one transaction. 

Thank you 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 2025-08-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXXXXXX 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 Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA.

Please process this dispute and send me an updated copy of my credit file.

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 2025-08-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXXXXXX 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 Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA.

Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: SD

Complaint narrative:
I withdrew XXXX from an ATM. With the XXXX ATM fee, my receipt says XXXX but my cash app card states XXXX. It's done by felonious DEA agents. I'm both sane n sober n not involved with illegal activities...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date : [ Insert Date ] XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting VW Credit , Inc. Account No. XXXX Dear XXXX  Dispute Department, I am writing to dispute inaccurate reporting on my credit file. The account listed under VW Credit , Inc. ( Acct. No. XXXX ) is showing a deficiency balance after my vehicle was declared a total loss. 

This reporting is inaccurate because I purchased a XXXX XXXX Waiver Addendum ( Contract No. XXXX ), which requires cancellation of any deficiency balance after an insurance settlement. Therefore, no balance is owed and this account should not reflect derogatory or unpaid debt. 

I request that XXXX  conduct a reinvestigation, verify with VW Credit, and update or delete this account entry to accurately reflect a {$0.00} balance. 

Enclosed are supporting documents : Copy of my GAP Waiver Addendum Copy of VW Credit account statement Proof of total loss insurance settlement Please provide me with written confirmation of the results of your reinvestigation. 

Sincerely, [ Signature ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I request that XXXX XXXX and the credit bureaus delete this tradeline in full because XXXX can not produce a valid, original, and accurate contract free of alterations and predatory terms. The alleged deficiency balance is legally unenforceable under FCRA, TILA, UCC, and the XXXX XXXX XXXX XXXXales Finance Act. 

At minimum, if XXXX continues reporting, the account must be marked disputed under FCRA XXXX ( a ) ( XXXX ), and XXXX must provide : The unaltered original signed contract, All repossession notices and logs, Proof of a commercially reasonable sale, An accurate deficiency calculation, and Any required IRS XXXX reporting. 

If XXXX can not supply this documentation, the account should be deleted immediately to prevent further consumer harm.

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 2025-08-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a deferred interest promotional balance on my Best Buy credit card ( issued by Citibank ) that expired on XX/XX/year>. I had been making consistent payments and believed I had fully paid off the promotion. However, I later learned that approximately {$27.00} remained unpaid. Because of this, Citibank added a {$260.00} deferred interest charge to my account. 

As soon as I saw the charge, I contacted customer service multiple times to ask why it was applied and to request a goodwill adjustment. I was told that since the promotion had ended and several months had passed, nothing could be done. 

I feel the {$260.00} charge is disproportionate to the very small amount that remained, especially since I had nearly paid off the balance in full. I am asking for a reconsideration, either through a full or partial goodwill credit.

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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of all collection accounts listed on my credit report under the Fair Credit Reporting Act ( FCRA ). 



After reviewing my credit report, I found the following collection accounts that I believe to be either inaccurate, unverifiable, or no longer valid : 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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have recently left the United States to live in the XXXX XXXX with my sons and family after having resided in the XXXX for the last XXXX  years. I sold my house in XXXX, GA and my share of the sale proceeds was credited to my Wells Fargo checking account in the name of XXXX XXXX XXXX. Since arriving in the XXXX I have had extremely severe difficulties in getting Wells Fargo to transfer the money in this account to a XXXX dollar account I opened with XXXX XXXX  in the XXXX. I managed to get XXXX payment of {$25000.00} transferred to the XXXX account after having spoken to Wells Fargo fraud department. However I urgently need to transfer the remainder of the Wells Fargo bank account balance ot just over {$150000.00} to my XXXX account but Wells Fargo still refuse to make the pay and transfer service available to me online via their app which is showing as 'temporarily unavailable '. I have contacted Wells Fargo using an international toll free phone number on my XXXX mobile phone as I am unable to use a XXXX mobile phone number whilst living in the XXXX. I spoke to XXXX different people at Wells Fargo on the phone last week and none of them were able to assist me. I am an XXXX XXXX XXXX female who is in poor health and need the property sale proceeds to be remitted to my XXXX XXXX account as soon as possible. I feel that Wells Fargo are not providing me with any assistance at all in this matter which is now really trying my patience. I hope that your office can get Wells Fargo to expedite the requested transfer of my account balance with them to my XXXX account at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief