vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-29 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of a repossession account currently listed on my credit report. This dispute is made pursuant to Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which provides me the right to request an investigation of any information I believe to be inaccurate or unverifiable.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am an active participant of the do not call and opt out prescreen, yet no matter my attempt to have these people STOP sending any and all contact is being ignored! I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have made several calls back in XXXX and XXXX to have myself removed from being contacted even through I have been on opt out since XXXX. They have sold and distributed my information to fake lenders pretending to be mortgage brokers as well. This is the fourth time this company has violated my privacy! I demand compensation for violating my privacy!

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 2025-10-29 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: MS

Complaint narrative:
My credit report is stating multiple late payments. This vehicle was traded into sons XXXX of XXXX and never paid off. Also dates with late payments deferments were requested this account is showing negative when everything has already been documented and discuss of good status. Ive asked XXXX to make change and fix error and they stated to dispute with credit union because they can not change. This is on going issue I already have new vehicle through XXXX and no longer have in possession the 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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
When moving out XX/XX/year>, of the apartment complex XXXX XXXX at XXXX owned XXXX XXXX XXXX located on XXXX XXXX XXXXXXXX WA, I had a verbal agreement with the property manager that I would not be charged a cleaning fee or maintenance fee for apartment upkeep and refurbish due the excellent condition that I had kept the apartment in.

The apartment complex then proceeded to charge me the fees and rent totalling the amount of {$750.00} they said they would not, and used predatory collection methods that included harassing my family. In Washington an agreement made verbally is binding between the two parties. This was a violation of that agreement and the amount was sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I'm in disagreement with the accounts listed below which still appear on my credit reports, even after your investigation. I would like these items immediately re-investigated for accuracy in all 3 bureaus. These inaccuracies are highly injurious to my credit score. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified these accounts above so I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to dispute the accuracy of negative information being reported by Discover regarding a credit card account ending in XXXX. I have reviewed the companys response to my CFPB complaint ( Case # : XXXX ) and found multiple factual errors that do not reflect my actual credit history. 

Specific Errors and Discrepancies : Discover claims my account graduated to an unsecured card with a {$1000.00} credit line. I have never had a {$1000.00} credit card or credit limit in my life, with any issuer. This statement is false. 

They claim to have refunded my {$200.00} security deposit via a mailed check. I never received this refund, nor was there any notification or check sent to my mailbox. 

The outstanding balance Discover claims ( {$1400.00} ) does not match any account I have had, and the graduation and credit line increase never occurred.

Request for Proof : I am requesting documentation ( approval notices, statements, correspondence, account records ) proving the following : Approval of a {$1000.00} credit limit.

Graduation to an unsecured card. 

Date, address, and status of the {$200.00} security deposit refund ( including bank records or tracking ). 

All account statements that support Discover 's reported timeline. 


I repeatI have never had a {$1000.00} credit line in my life nor received a {$200.00} deposit refund from Discover, and their account history is not accurate. Please thoroughly investigate and update my records accordingly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
I am writing to dispute the reporting of inaccurate and unverifiable negative entries on my Equifax credit report. This request is made under my rights per the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 611, and 623, and Metro 2 compliance standards.

1. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Derogatory / Charge-Off Balance : {$0.00} ( Paid ) Violation : Charge-off status with lingering derogatory coding conflicts with Metro 2 field alignment standards. No balance or ongoing payments should exist. If accurate Metro 2 compliance can not be verified, this item must be deleted.

2. Hard Inquiries Not Tied to Any Open Account : [ Inquiry # 1 ] Creditor Name - Date [ Inquiry # 2 ] Creditor Name - Date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX keeps being reinserted on my credit report even though it has been deleted multiple times after previous disputes. The account does not belong to me, and Ive already provided proof and disputed it several times. 

On or around XX/XX/2025, this same account reappeared again without notice. Under FCRA 611 ( a ) ( 5 ) ( B ), the credit bureau is required to notify me within 5 business days if a deleted account is reinserted and to certify the accuracy of the information before doing so. That did not happen.

This is a repeated reinsertion violation and an ongoing case of false reporting and failure to validate a debt under FDCPA 809 ( b ).

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 2025-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Under my rights according to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a correct credit report. I am requesting that these entries be reviewed, and if they can not be verified as accurate, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc.
State: IL

Complaint narrative:
On XX/XX/year> Everest contacted me and gave me my cousin personal information. Everest used deceptive practices to gain access to my information and called me as if I were my cousin, I told the agent I was not and she continued to give me my cousin address birthday and last four numbers of her social she knew it was not my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Wise Account Hacked and Unauthorised Access Request for Investigation and Account Recovery Details : My Wise account, which is linked to my XXXX XXXX XXXX XXXX XXXX, has been hacked and taken over by an unknown person. I have already reported this issue to Wise support multiple times and provided all necessary details and documents, but they refused to take further action. 

Wise confirmed my complaint and gave a final response on XXXX XX/XX/year>, saying they would not revise their decision. However, my account remains compromised, and I have lost access and funds linked to it. 

I believe Wise has not taken proper security measures to protect my account and has failed to assist me in recovering it. I request CFPB to investigate Wises handling of my case and to ensure that my account is recovered or permanently blocked to prevent further misuse. 

Complaint Reference from Wise : XXXX Final Response XXXX : XXXX ( Complaint XXXX - Wise ) Date of Final Response : XXXX XX/XX/year> Resolution Requested : Please help me recover my Wise account or permanently disable it to stop unauthorized activity. I also request Wise to provide full details of any transactions made after the hack and to refund any lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to t
he Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
A collection account from Transworld Systems Inc. ( XXXX XXXX XXXX keeps being reinserted on my credit report even though it has been deleted multiple times after previous disputes. The account does not belong to me, and Ive already provided proof and disputed it several times. 

On or around XX/XX/year>, this same account reappeared again without notice. Under FCRA 611 ( a ) ( 5 ) ( B ), the credit bureau is required to notify me within 5 business days if a deleted account is reinserted and to certify the accuracy of the information before doing so. That did not happen.

This is a repeated reinsertion violation and an ongoing case of false reporting and failure to validate a debt under FDCPA 809 ( b ).

Company response to consumer: Closed with explanation