vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Account or XXXX XXXX XXXX XXXX XXXX XXXX being reported by XXXX , Equifax and TransUnion .

I have disputed this charged-off account four times, and each time the company has returned materially inconsistent and unlawful credit reporting data. I finally received validation letter from XXXX XXXX XXXX XXXX XXXXXXXX, but there documents are different, missing, omitted across all reporting agencies. Initially, they reported a charge-off date of XX/XX/XXXX, which was later deleted and replaced with new charge-off notations in XXXX and XX/XX/XXXX. 
This is a violation of : FCRA 623 ( a ) ( 5 ) failure to report the correct date of first delinquency ( DOFD ), Metro 2 Format Field 25 charge-off date must reflect 120 days delinquent from last payment, FCRA 623 ( a ) ( 1 ) ( A ) inaccurate or incomplete reporting.

The company also removed the Date of Last Payment from the credit file, despite their own validation letter stating it was XX/XX/XXXX. This violates : Metro 2 Field 11 required data, FCRA 623 ( a ) ( 1 ) material omission of critical payment history.

In addition, they report a high balance of {$2000.00}, while the charge-off amount is only {$1400.00} exceeding the {$1500.00} credit limit. I never signed any agreement to permit over-limit charges. These actions violate : Metro 2 Field 22 high balance can not exceed actual usage or charge-off amount, FDCPA 1692f ( 1 ) unlawful collection of unauthorized fees, 12 C.F.R. 1026.59 ( c ) ( 1 ) over-limit fees require written opt-in, FCRA 623 ( a ) ( 1 ) furnishing inaccurate data.

Finally, the debt buyer information is inconsistent and misleading. The credit report shows the debt was sold to XXXX XXXX XXXX XXXX, but their letter names XXXX XXXX XXXXXXXX XXXX  and refers all contact to XXXX XXXX XXXX a separate and unlicensed entity in South Carolina. 
This contradicts Metro 2 requirements and violates : FDCPA 1692e ( 14 ) misrepresentation of entity name, FCRA 623 ( a ) ( 1 ) inconsistent account data, South Dakota Codified Laws 37-24-6 ( 1 ), ( 2 ), ( 10 ) deceptive trade practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Account or XXXX XXXX XXXX XXXX XXXX XXXX being reported by XXXX , Equifax and TransUnion .

I have disputed this charged-off account four times, and each time the company has returned materially inconsistent and unlawful credit reporting data. I finally received validation letter from XXXX XXXX XXXX XXXX XXXXXXXX, but there documents are different, missing, omitted across all reporting agencies. Initially, they reported a charge-off date of XX/XX/XXXX, which was later deleted and replaced with new charge-off notations in XXXX and XX/XX/XXXX. 
This is a violation of : FCRA 623 ( a ) ( 5 ) failure to report the correct date of first delinquency ( DOFD ), Metro 2 Format Field 25 charge-off date must reflect 120 days delinquent from last payment, FCRA 623 ( a ) ( 1 ) ( A ) inaccurate or incomplete reporting.

The company also removed the Date of Last Payment from the credit file, despite their own validation letter stating it was XX/XX/XXXX. This violates : Metro 2 Field 11 required data, FCRA 623 ( a ) ( 1 ) material omission of critical payment history.

In addition, they report a high balance of {$2000.00}, while the charge-off amount is only {$1400.00} exceeding the {$1500.00} credit limit. I never signed any agreement to permit over-limit charges. These actions violate : Metro 2 Field 22 high balance can not exceed actual usage or charge-off amount, FDCPA 1692f ( 1 ) unlawful collection of unauthorized fees, 12 C.F.R. 1026.59 ( c ) ( 1 ) over-limit fees require written opt-in, FCRA 623 ( a ) ( 1 ) furnishing inaccurate data.

Finally, the debt buyer information is inconsistent and misleading. The credit report shows the debt was sold to XXXX XXXX XXXX XXXX, but their letter names XXXX XXXX XXXXXXXX XXXX  and refers all contact to XXXX XXXX XXXX a separate and unlicensed entity in South Carolina. 
This contradicts Metro 2 requirements and violates : FDCPA 1692e ( 14 ) misrepresentation of entity name, FCRA 623 ( a ) ( 1 ) inconsistent account data, South Dakota Codified Laws 37-24-6 ( 1 ), ( 2 ), ( 10 ) deceptive trade practices.

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 2025-08-28 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 am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
Cherry Technologies is reporting an account on my credit report that I do not recognize and never authorized. They previously responded to my CFPB complaint stating that a signed agreement was provided, but no actual documents were ever attached through the CFPB portal. This is misleading, inaccurate, and a clear attempt to evade proper verification.

I have never received proof of a legitimate signed agreement containing my wet signature, nor any documentation establishing that I gave permission for my personal information to be transferred, used, or reported to the credit bureaus. The company claims the loan was valid but failed to provide verifiable documentation. Instead, they issued only a generic explanation.

This violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 USC 1681i ) which requires furnishers to provide verifiable evidence when a consumer disputes accuracy. It also violates FCRA 623 ( 15 USC 1681s-2 ), which requires data furnishers to ensure maximum possible accuracy and prohibits reporting unverifiable information.

Cherry Technologies also falsely accused me of being responsible for this account without proof, shifting the burden back to me rather than fulfilling their legal obligation to provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-08-28 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: TX

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-28 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: CA

Complaint narrative:
In accordance with USC 1681g, resolution of these accounts is due within 15 days.

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 2025-08-28 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: CA

Complaint narrative:
According to USC 1681g, these accounts are to be settled within 15 days.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've had multiple accounts with wells Fargo my biggest upset was when I was XXXX they actually entered my social in wrong when I opened an account and after depositing my first check for around XXXX dollars I tried using the ATM to pull funds only to find out my debit did not work at which point I went back inside and because they entered my information in wrong and said they couldn't identify who I was I could not receive my funds. I made a complaint with the banker there in person and they said they'd get me a check mailed once they figured it out but never did. After that I gave them another chance years later when I started my own business to only realize they gave the same horrible service and after them charging me for random service fees and yet again not allowing me to withdraw my own money due to them giving me a limit not myself I asked to just close my account

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR, DVR and demand under TILA to verify employment and provide me his job title and direct contact information - office address, phone, email and fax for XXXX XXXX XXXX to whom I have questions to clarify information in his Affidavit filed in my case,. 

Please verify employment and provide me job title and direct contact information - office address, phone, email and fax for XXXX XXXX XXXX from whom I need to request a copy of the entry made on XX/XX/year> in her notarial journal. 

Under the law, every Notary must maintain XXXX XXXX and provide for public inspection and examination at all reasonable times. 

I demand a response from the real human, not from unregulated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Unauthorized Inquiries to Be Deleted : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
My credit report with yall has mistakes and im tired of it. I tried to fix this before and nobody helps me. The FCRA law says you got ta report accurate info and you arent doing it. 

Here are the errors : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) You say I owe money on accounts that aint even open no more. Thats wrong. The balance should be {$0.00}. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) TransUnion dont even show this account on my report. How come you do? Yall reporting something wrong. Delete this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This collection is for XXXX XXXX They NEVER sent me no letter about this debt. You cant report this. Take it off. 

WHAT I NEED YOU TO DO : Delete these accounts from my credit report NOW. 

Or fix the info so its 100 % right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO LEAVE THESE INQUIRIES ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported under my credit file. I did not authorize, open, or have any connection with this account. Its reporting is false and severely damaging to my financial reputation.

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 2025-08-28 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-08-28 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: AL

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