vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: MI

Complaint narrative:
I'm noticing charge off in charge offs are considered income Not a lot of reporting come and I know and I noticed to opt out of reporting or I have the right to opt out However they refused. 15 USC 6802 outlines the obligations of a financial institution with respect to the disclosure of personal information 6802 outlines the opt out requirements for financial institutions when disclosing on public personal information to non affiliated 3rd parties institutions are required to clearly inconspicuously disclose the consumer in writing or an electronic form that their personal information may maybe disclosed to 3rd parties. 15 USC 1680 A 2 is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. in general our consumer reporting agency made furnishing consumer report only under the following circumstance and no the consumer 's written authorization to the creditor. No authorization was given nor will ever be given to disclose any negative inaccurate or injurious information to my consumer report. 1681 also states that I can receive compensation For my damages for a wilful non compliance which was unequivocally clear. So now I have the right to receive {$1000.00} complaints with code 15 US 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I'm noticing charge off in charge offs are considered income Not a lot of reporting come and I know and I noticed to opt out of reporting or I have the right to opt out However they refused. 15 USC 6802 outlines the obligations of a financial institution with respect to the disclosure of personal information 6802 outlines the opt out requirements for financial institutions when disclosing on public personal information to non affiliated 3rd parties institutions are required to clearly inconspicuously disclose the consumer in writing or an electronic form that their personal information may maybe disclosed to 3rd parties. 15 USC 1680 A 2 is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. in general our consumer reporting agency made furnishing consumer report only under the following circumstance and no the consumer 's written authorization to the creditor. No authorization was given nor will ever be given to disclose any negative inaccurate or injurious information to my consumer report. 1681 also states that I can receive compensation For my damages for a wilful non compliance which was unequivocally clear. So now I have the right to receive {$1000.00} complaints with code 15 US 1681n.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 have no ownership of these accounts and request their removal within 15 days as the FCRA mandates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Opened this loan XX/XX/XXXX. A 6 yr loan. To mature XX/XX/XXXX. 72 months. Its issue is I have made 74 pmts. And the company says there were 7 deferred payments. But on loan history it only has 1 on XX/XX/XXXX. Even it there was deferments are added to the end of the loan. Wells Fargo is saying the loan did not mature until XX/XX/XXXX. With that being said even if thats true. I made payments from XXXX. 7 pmts. Which would have covered this issue. At this time I had an original loan for XXXX. And have paid approximately XXXX. . Wells also said that the payoff is affected by loan being in collections, If your 10 Days past due wells has your loan in collections. That being in collection should not affect payoff. Now the payoff is about XXXX XXXX Which is XXXX of the total interest on the loan for 6 yrs. My pmt was {$440.00}. Which works out to be about XXXX more payments There is only XXXX deferred pmt as showing on their statement and there are about XXXX complete payments where all monies went to interest. I contacted Wells Fargo as well as going to a branch for help. The branch financial rep Was great but could not get anything corrected. Also had it sent to executive offices for review. Again no resolution. There have never been any repo fees or repo people out to pick up vehicle. 
I have possession of the truck and it will remain secured. I feel.that I have satisfied my loan obligations. And want the title released. This whole thing has also affected my credit and hopefully with a resolution they will need to correct the negative reporting

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 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
I received a voicemail from Hunter Warfield on XX/XX/XXXX. I called them at XXXX on XX/XX/XXXX. I requested something in writing in regard to the debt. They asked for my email address, and I provided it. 

They sent me a debt verification letter on XX/XX/XXXX. Upon review of the documentation, I found that this was not my debt. The debt was incurred as a result of breaking a lease in an apartment rental in the state of Texas. I have never lived in Texas, and have had a mortgage on my home in Pennsylvania since XXXX. The person who rented the apartment has the same first and last name as me, however she has a different middle name. 

I have sent two letters ( certified, return receipt requested ) to Hunter Warfield. The first one ( sent on XX/XX/XXXX ) stated that I was not acknowledging ownership of the debt and would like to dispute its validity. The second letter ( sent XX/XX/XXXX ), was a " cease and desist letter '' in which I requested that they stop all efforts to collect this debt in my name. I noted that it is not actually in my name and not my responsibility. 

I provided them with documentation that proves that my middle name, signature and address do not match that of the individual who had rented the apartment. I also provided them with utility bills from my home in Pennsylvania during the timeframe that this lease had been signed in Texas. My hope was to establish that I was not residing there at the time, had my own home, and had no reason to rent an apartment in Texas. Furthermore, they are confusing me with the wrong person. 

I checked all three of my credit reports, and there are no collections accounts at this point. Transunion has an inquiry on my report from Hunter Warfield. 

Since I sent those letters to their legal department, they have called me twice this week ( XX/XX/XXXX ) and ( XX/XX/XXXX ). I have not been answering their calls as it is my understanding that all communications should be in writing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am filing a dispute regarding the accounts listed below. These accounts have been reported inaccurately and I request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for each credit bureau : Charged-Off Accounts : XXXXXXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$6900.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2300.00} XXXXXXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$6500.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Inquiries : EXPERIAN XXXX XXXX Date : XX/XX/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 2025-11-25 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: AL

Complaint narrative:
On XX/XX/year>, XXXX publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX credit report. I do not authorize XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
The negative credit mark on my Aidvantage-serviced loans is the result of servicer error and lack of proper notice, not nonpayment. Aidvantage has not provided verifiable documentation proving that legally required notices were ever sent to the correct physical address or phone number. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers must maintain and report only accurate and verifiable information, and under 1681s-2 ( b ) they must conduct a reasonable reinvestigation and provide evidence supporting the accuracy of disputed information. Aidvantage has failed to meet these obligations and has instead relied on unverified claims without proper backup. The derogatory reporting therefore remains unsubstantiated and should be corrected. 

See letter attached for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am filing a formal dispute regarding inaccurate and unverifiable information that Experian is reporting on my credit file. I am requesting a full investigation and removal or correction of the accounts and inquiries listed below, as they are either reporting incorrect information, are not mine, or can not be verified as required under the Fair Credit Reporting Act ( FCRA 609 & 611 ). 

Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these accounts are being inaccurately reported as Charged Off. I request Experian verify the accuracy of all details with original creditors. If unverifiable, please delete them from my report. 

Inquiries in Dispute : The following inquiries appear without my authorization or permissible purpose and should be removed if not properly validated : 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 This late payment may be inaccurately reported. Please verify the date and status with the furnisher.

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 2025-11-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and/or unverifiable items appearing on my TransUnion credit report. 

Accounts in Dispute ( Charged Off ) : XXXX  Account # XXXX Date : XX/XX/XXXX Amount : {$1800.00} XXXX  Account # XXXX Date : XX/XX/XXXX Amount : {$2900.00} XXXX XXXX Account # XXXX Date : XX/XX/XXXX Amount : {$220.00} XXXX  Account # XXXX Date : XX/XX/XXXX Amount : {$3000.00} These accounts may contain inaccurate or outdated information. Please verify complete account details including ownership, balance, and date of first delinquency. If unverifiable, they should be deleted. 

Hard Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request verification of permissible purpose for each of these inquiries under FCRA XXXX. If authorization can not be proven, please remove the inquiries. 

Late Payments in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide documentation proving the accuracy of the reported late payments. Otherwise, these should be corrected or deleted.

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 2025-11-25 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a text to phone CITIBANK NA regarding my credit card. I was notified of a charge I didn't make. CITIBANK NA indicated they would immediately freeze the card, refuse further charges and send me a new card. I checked online and charges were still being made. Again I contacted CItIBNANK NA. I made no charges after I notified them I lost the card. They arbitrarily picked certain charges and not others. This involves over 20 charges and over $ XXXX. I contacted CITIBANK NA and, again, told them I wasnt making charges as I did not have the card. They have not responded with proof that I made the charges ( which they will not have ). Stores have cameras. I have witness ( State of VA ) who can confirm I was working 150 miles away when the charges were made. They charging me interest and finance charges even though the charges are in conflict.

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 2025-11-25 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: TX

Complaint narrative:
I am submitting a dispute for the following inquiries and late payment reported on my TransUnion credit report : Inquiries : 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 non-monetary relief