vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I was robbed on XX/XX/year>, and was a victim of fraud. Well Fargo is not properly investigate my claim and denied my claim. Its traumatizing when because I lots all my funds and Wells Fargo denied my claim without proving information. The reason they used for dispute was Dont remember transaction. This is wrong, the reason for the dispute was fraud. Wells Fargo needs to reopen the case and return all my funds.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I dont live there anymore and they refuse to update my address

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I dont live there anymore and they refuse to update my address

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 2025-05-15 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate/Unverifiable Account Under FCRA To Whom It May Concern, I am formally disputing the accuracy and verifiability of the following account appearing on my Experian credit report, as provided to me : Creditor Name : XXXX  Partial Account Number : XXXX Reason for Dispute : This account was charged off and subsequently sold to another lender or third-party debt buyer. As such, XXXX no longer owns or services this debt and therefore lacks the legal authority to verify its accuracy or report it to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I am exercising my right to dispute any information that is incomplete, inaccurate, or unverifiable. 

I am requesting the following : 1. Full verification of this account, including : The date of charge-off. 
The date and details of the sale or assignment to another entity. 
The identity and contact information of the current owner of the debt. 
Any documentation bearing my signature that verifies my responsibility for this account.

2. If Experian can not obtain complete verification from the current data furnisher or the originating creditor ( XXXX ), then this account must be deleted from my credit file per FCRA 611.

3. Additionally, I request the removal of all hard inquiries made by entities with whom I do not hold any open or approved account and which are older than 30 days. These inquiries are unauthorized and do not serve any permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ].

I have included the following documents to assist with proper identification and processing : A copy of my drivers license A copy of my Social Security card Proof of current address ( utility bill or bank statement ) Please complete this investigation within 30 days, as required by law. If you are unable to verify the account or inquiries, I expect immediate deletion of the disputed items and a corrected credit report to be sent to me. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-05-15 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: Atlanticus Services Corporation
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau XXXX Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 



This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Issue is with Experian Credit Reporting Agency and one of the creditors on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showed an outstanding collection account on my credit report for {$25000.00} opened on XXXX. They sued me for this balance. I challenged this lawsuit in court. I won the lawsuit, got the case dismissed and no longer owed on this debt. Therefore I disputed this collection account on my credit report with Experian on XX/XX/XXXX. Experian investigated, and once the dispute was done they allowed XXXX XXXX XXXX XXXX to increase the amount of the account to {$26000.00} and report the debt past due as of XX/XX/year>. This despite me sending documentation from my attorney stating I had won the lawsuit and I no longer owed this debt as well as a copy of the judgement from the court in my favor for " Dismissed for Want of Prosecution ''. I have attached the documents from my attorney and the court. I am asking for this collection account to be removed from my credit report and show as closed. I do not understand how after sending documentation from a court showing I do not owe this debt, how a credit reporting agency can allow a collection agency to continue to report a debt, increase the amount AND change the past due date to a more current date. Very unfair for the consumer. Why have Credit Reporting Agencies if they are not going to report our credit correctly and monitor creditors accurately.

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 2025-05-15 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: PA

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 id-entity 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX took two interest payments out of our account on XX/XX/year>. They finally refunded our account the extra payment and then the reported a 30 day late payment to all the credit bureaus. The mistake was made by XXXX XXXX  and they have admitted to it in writing. They have subsequently NOT reversed the incorrect information and keep telling us that it is in the credit bureaus hand. This is unacceptable. They have impacted our credit rating immensely and we have lost almost XXXX points.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXXXXXX XXXX took two interest payments out of our account on XX/XX/year>. They finally refunded our account the extra payment and then the reported a 30 day late payment to all the credit bureaus. The mistake was made by XXXXXXXX XXXX and they have admitted to it in writing. They have subsequently NOT reversed the incorrect information and keep telling us that it is in the credit bureaus hand. This is unacceptable. They have impacted our credit rating immensely and we have lost almost 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
XXXXXXXX XXXX took two interest payments out of our account on XX/XX/year>. They finally refunded our account the extra payment and then the reported a 30 day late payment to all the credit bureaus. The mistake was made by XXXXXXXX XXXX and they have admitted to it in writing. They have subsequently NOT reversed the incorrect information and keep telling us that it is in the credit bureaus hand. This is unacceptable. They have impacted our credit rating immensely and we have lost almost 100 points.

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 2025-05-15 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: PR

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXXXXXX / 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
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-15 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Reporting and Data Mismanagement * * Dear CFPB, I am writing to formally submit a complaint and request an investigation into unauthorized activity involving my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and possibly other federal consumer protection laws. 
I discovered that a company allegedly associated with XXXX XXXX venturesspecifically, DOGEunlawfully collected and purged my personally identifiable information without my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This action has led to inaccurate information appearing on my credit report, including but not limited to false student loan debt obligations. 

The following issues require urgent attention : 1. * * Unauthorized Reporting of Student Loan Debt : * * - My credit report includes references to student loan accounts that I did not open or authorize. 
- These accounts were not disclosed to me through proper channels and appear without any formal documentation or agreement. 
- I have never entered into a contract with any student loan servicer linked to these entries.

2. * * Lack of Consent for Credit Reporting : * * - Under the FCRA 604, credit reporting agencies must have a permissible purpose to include information in a consumers file. 
- I did not provide written authorization for any entity to report student loan activity under my name.

3. * * Potential GLBA Violations : * * - If DOGE or any affiliated financial institution accessed, stored, or deleted my information without appropriate safeguards or disclosures, this would constitute a violation of the Gramm-Leach-Bliley Act.

4. * * Misrepresentation or Deceptive Practices : * * - If the company misrepresented its relationship with financial services or credit reporting, this could fall under the FTC Act 's prohibition of deceptive practices.

Therefore, I respectfully request the following actions : - An investigation into the unauthorized appearance of student loan debt on my credit report.

- Immediate removal of any student loan-related accounts that were not authorized or verified by me.

- A determination of whether the credit reporting agency ( s ) violated FCRA 604 by including information without a permissible purpose.

- A response detailing the findings and corrective measures taken within 3045 days, as required by FCRA.

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 2025-05-15 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Paid off loan balance on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ). 
Verified on XXXX, XXXX, XXXX XXXX loan was paid off. 
Loan balance from XXXX was negative- {$47.00} which meant I paid too much and they will send me a check for my overpayment. 

On XX/XX/XXXX I was notified by email that XXXX was transferring to NewRez Shellpoint. 
On XX/XX/XXXX I received email from Shellpoint that loan transfer was completed. 
I logged into my account and verified loan was paid off and I still had a negative balance of - {$47.00} XXXX then closed my account with Shellpoint in XX/XX/XXXX and Shellpoint had sent me a check for the {$47.00} since I had overpaid. 

This month, XX/XX/XXXX, I noticed a ding on my credit from Shellpoint saying I never paid for the month of XX/XX/XXXX. 
From the month of XX/XX/XXXX to XX/XX/XXXX I had no balance to pay. 
How would I pay a {$0.00} dollar balance or a balance where I was owed money from overpaying on my loan On XX/XX/XXXX I called Experian about disputing this error of late payment which ended up with Shellpoint saying everything is correct. Now Im contacting ConsumerFinance for resolution. How would I make a late payment on a balance that is paid off.

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