vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX XXXX ( and/or their collection agency ) is reporting a collection account on my credit file that is inaccurate and harmful to my credit. 

I have disputed this account with the credit bureaus and contacted XXXX  XXXX XXXX XXXX directly. Despite my requests, they have refused to correct or remove this account even though : I attempted to resolve the matter directly, including offering full payment and/or requesting goodwill removal, but they refused to cooperate. 

I am requesting that the CFPB investigate this matter and require XXXX  XXXX XXXX XXXX to Delete this account from my credit reports with all three bureaus ( XXXX, Equifax, and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2025-09-18 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-09-18 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: VA

Complaint narrative:
To : TransUnion Re : Demand for Permanent Deletion of Inaccurate / Compromised Information Data Breach & FCRA Violations This is a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). My credit file with your agency contains inaccurate, compromised, and fraudulent information that resulted from a data breach and does not belong to me. 

Because this information is the direct result of a compromise of my personal data, it is inaccurate and unverifiable and therefore must be permanently deleted from my credit report. 

I hereby demand the following accounts to be investigated & removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate and permanent deletion of all inaccurate and compromised accounts, names, addresses, and other information linked to the breach. 

Written confirmation of the method of verification for any information you claim to retain. 

A corrected copy of my credit report reflecting only accurate, verifiable data.

Your failure to maintain maximum possible accuracy under 1681e ( b ) and your continued reporting of false information in violation of 1681i ( a ) exposes you to liability for statutory damages, actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

If this inaccurate and compromised information is not permanently deleted within 30 days, I will escalate this matter to the Federal Trade Commission ( FTC ), and my state Attorney General, and I will consider legal action for willful noncompliance.

This is my final demand for compliance. I expect written confirmation of deletion within the time allowed by law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to the high interest on credit card one misrepresented the high interest on the account as having one of the nations best interest rates yet failed to notify account holders about their superior rates offered with the credit card account. This deliberate obscurity and lack of transparency, violated consumers, trust and resulted in significant financial loss for many breaching the consumer financial protection act, and the truth and savings act. I seek redress for the misleading practices in failure to fulfill their advertised performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to make it absolutely clear that this complaint is not an error or misunderstanding. My credit report contains clear inaccuracies that are not reflective of the highest standard of accuracy required under the law. These errors are causing ongoing harm, placing unnecessary stress on me during an already difficult time. It is unacceptable that such inaccuracies continue to weigh on my financial stability.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
Loan is not in foreclosure and has been reinstated. The mortgage company has yet to update the credit report to show its not in forclosure and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
A debt collection agency has contacted me, attempting to collect a debt they claim is owed. On XX/XX/year>, they received ( and signed for ) my certified debt validation request via certified mail with return receipt. In the letter, I specifically requested : 1. A copy of the lease agreement they are using as the basis for this claimed debt.

2. Proof that I am legally liable for the amount being claimed, based on the lease that was actually executed.

3. A full itemized breakdown of the amount being claimed, based on the lease that was actually executed.

4. Documentation showing their legal authority to collect this debt. 

As of today, XX/XX/year>, more than 30 days have passed, and they have failed to provide any of the requested documentation. Despite this, they have continued to attempt collection. Because they have not validated the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), this debt is unverified and should not be pursued against me or reported to the credit bureaus. I am requesting that the CFPB investigate this matter, ensure that the collector ceases collection attempts, and confirm that this unverified debt will not be reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau : I am submitting this formal complaint regarding Wells Fargos mishandling of my business account and their failure to resolve a fraudulent transaction that occurred earlier this year. 
Summary of Events : In XX/XX/XXXX, I deposited a check into my Wells Fargo business account in the amount of {$1500.00}. 
In XX/XX/XXXX, Wells Fargo wrongfully withdrew those funds from my account, alleging that I attempted to redeposit the same check. Claim # XXXX In fact, it was a third party, the XXXX XXXX, through XXXX XXXX, that fraudulently attempted to redeposit the check. 
XXXX XXXX  rejected the transaction, confirming that I was not responsible. 
Despite this, Wells Fargo has withheld my funds since XX/XX/XXXX. 
After countless phone calls to their customer services number ; being transferred to their XXXX XXXX XXXX Department ; countless trips to their branch office, and XXXX visits to XXXX Bank the matter was escalated to Wells Fargos Executive Customer Service Team in XX/XX/XXXX, but since then no meaningful progress has been made. Case # XXXX Wells Fargo continues to issue repetitive letters ( XXXX, XXXX, XX/XX/XXXX ) claiming they need more time and most recently requested an additional 30 days, despite having had over seven months to investigate and resolve this issue. 
Impact : Wells Fargos inaction has caused significant harm to my business by depriving me of rightful access to funds. Their repeated delays demonstrate a lack of accountability and failure to act in good faith. 

I have exhausted internal remedies with Wells Fargo, and I am now seeking regulatory intervention to ensure that this matter is resolved promptly and fairly.

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 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AZ

Complaint narrative:
Good day, I received an email on XX/XX/XXXX saying my XXXX XXXX had fallen, when I logged on to my banking app I found that my score had tanked over XXXX points. When I did more research within the app I saw that I had XXXX missed payments from Mohela. I immediately panicked and called mohela several times and I kept being sent to bots that would not fix my issue. I had set up auto pay earlier in the year and for some reason my payments were not going through. When I found this out I immediately paid the XXXX XXXX  I had late as well as my next months payment. 
When I was finally able to get a hold of someone to ask what happened I was transferred between offices and was told to basically make payments for a couple years to correct my score. There was no technical support or explanation. I never received letters or calls or anything to tell me I was XX/XX/year> days late. It was when I saw the credit report that I realized what had happened. I believe a technical error occurred on my account earlier this year. This was unintentional in every sense, and as soon as I realized the problem on my credit report I received today I immediately paid the past-due balance to bring my account current. I have never had a late payment on any loan or credit line prior to this. For such a small amount for something that doesnt feel like it is my fault is really difficult. I have also sent a dispute to Mohela today. 
I am fortunate to have a job where this payment is not a stressful ordeal and I am happily willing to pay it. I would have recognized it sooner but my wife and I have been struggling with XXXX and money has been leaving my accounts at an irregular rate. 
I was planning to become a first time homebuyer this month, and this credit situation has thrown a wrench in my plan, I have now double checked the auto pay is working correctly. 
I am asking if there is a way I can get this fixed on my report or if there is a way I can dispute this further? 
Thank you very much for your time. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-18 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax XXXX XXXXXXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief