vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Subject : FCRA Violations Inaccurate and Unverified Accounts Reported by Credit Bureaus To Whom It May Concern, I am filing this complaint against the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ) for the continued reporting of inaccurate, unverifiable, and incomplete accounts on my credit file. These accounts are being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX compliance standards. 

The accounts in dispute are : 1. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$240.00} Collection 2. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$0.00} Charge-Off 3. XXXX XXXX XXXX Account # : XXXX | Balance : {$190.00} Collection 4. XXXX XXXX XXXX, XXXX 
Account # : XXXX | Balance : {$310.00} Collection These accounts are being reported with incomplete and inconsistent information. Despite my disputes, the credit reporting agencies have failed to provide proper verification as required under FCRA 611, and instead continue to parrot unverified data from furnishers without independent investigation. 

I am requesting the CFPB to intervene and ensure that these credit bureaus : Provide full and verifiable documentation from the original creditors ( including signed contracts and complete payment histories ), or Permanently delete these accounts from my credit file. 

The continued reporting of these unverified accounts is causing harm to my creditworthiness and is a direct violation of my rights under federal law. 

I respectfully request immediate action and enforcement to bring the credit reporting agencies into compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Subject : FCRA Violations Inaccurate and Unverified Accounts Reported by Credit Bureaus To Whom It May Concern, I am filing this complaint against the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ) for the continued reporting of inaccurate, unverifiable, and incomplete accounts on my credit file. These accounts are being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX compliance standards. 

The accounts in dispute are : 1. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$240.00} Collection 2. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$0.00} Charge-Off 3. XXXX XXXX XXXX Account # : XXXX | Balance : {$190.00} Collection 4. XXXX XXXX XXXX, XXXX 
Account # : XXXX | Balance : {$310.00} Collection These accounts are being reported with incomplete and inconsistent information. Despite my disputes, the credit reporting agencies have failed to provide proper verification as required under FCRA 611, and instead continue to parrot unverified data from furnishers without independent investigation. 

I am requesting the CFPB to intervene and ensure that these credit bureaus : Provide full and verifiable documentation from the original creditors ( including signed contracts and complete payment histories ), or Permanently delete these accounts from my credit file. 

The continued reporting of these unverified accounts is causing harm to my creditworthiness and is a direct violation of my rights under federal law. 

I respectfully request immediate action and enforcement to bring the credit reporting agencies into compliance. 

Sincerely, 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 2025-08-22 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: MI

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-22 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: AL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$240.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I co-signed with my daughter for an apartment, " XXXX  XXXX, '' she rented in XXXX XXXX in XXXX. She vacated the unit in good standing having totally honored her rental agreement, and moved to XXXX. In XXXX of XXXX, it was referred to the Genesis Corp for collections. They in turn reported to ALL credit reporting agencies that we owed XXXX, and are aggressively seeking payment. 

Prior to this reporting, I had a credit rating approaching XXXX, as did my daughter, and I currently stand just below XXXX. 

We have both spoken to representatives and have been assured that the error will be corrected, but as of this writing things remain the same. 

I understand that a class action suit has been launched against XXXX  XXXX for at least XXXX similar situations, but I'm unaware of any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I spoke with senior advisor of capital one customer service XXXX XXXX agent XXXX XXXX XXXXXXXX on a recorded line via phone. I formally stated that Ive previously submitted formal disputes regarding the accounts ending in XXXX, XXXX and XXXX. Im requesting to have my 1099-cs sent to me forthwith for the aforementioned charged off and written off accounts thats reflected on all 3 of my credit bureaus. I was denied the issuing of the 1099-cs for all the of the aforementioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Complaint Regarding Credit Card Account Closures Wells Fargo Complaint : All of our Wells Fargo credit card accounts were closed on XX/XX/year>, shortly after a {$170.00} payment on our XXXX XXXX XXXX XXXX, without prior notice.

Over the past two years, my husband ( XXXX ) and I ( XXXX ) have faced serious health and financial challenges. We have always acted in good faith and maintained excellent credit. We currently have two Wells Fargo accounts with a {$0.00} balance.

We request CFPB assistance in resolving this matter, restoring our credit standing, and arranging a fair resolution with Wells Fargo.

Attachments : Letters to Wells Fargo and credit bureaus, bank statements, and emergency room documentation. 

Sincerely, 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 2025-08-22 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: LA

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 Experian, XXXX XXXX XXXX credit report on XX/XX/year>, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: WI

Complaint narrative:
My private student loans were originally issued by XXXX and later refinanced through Earnest. Despite the refinance, the loans remain tied to the XXXX XXXX XXXX XXXX, which has been the subject of federal lawsuits and misconduct finding lawsuits. 
Earnest continues to claim that because refinance proceeds were not used directly for my school, they have no responsibility to address the unlawful foundation of the loan. This position ignores the fact that the original loans were created under fraudulent grounds and that refinancing does not erase the misconduct tied to their origin. 
As of XX/XX/2025, the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) confirmed they opened a complaint on my behalf regarding this matter. However, my previous CFPB complaint was closed while these issues remain unresolved. 
Unanswered Questions That Require Review 1. Loan Ownership : How can a refinanced loan remain tied to the XXXX XXXX XXXX XXXX if Earnest claims full servicing responsibility? 
XXXX. Accountability : Does refinancing legally shield Earnest ( or any servicer ) from accountability when the original loan was tied to federal misconduct findings against XXXX? 
3. Consumer Protection : If the original loans were found to be fraudulent, why does their unlawful foundation not transfer into current servicing oversight? 
XXXX. Transparency : Why have neither Earnest nor XXXX provided clear documentation showing how ownership and legal responsibility are divided post-refinance? 
Requested Action I am requesting that CFPB : - Review the continued servicing of a loan owned under XXXX XXXX XXXX XXXX despite its fraudulent origin. 
- Provide clarification regarding Earnests position that refinancing eliminates accountability. 
- Ensure consumers in similar positions are not left in financial hardship because servicers use conflicting narratives to avoid responsibility. 
This situation has left me without relief and under financial hardship, despite multiple regulatory complaints and contradictory responses from my servicer. 

Referenced closed complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was issued XXXX in a cashier check i am still XXXX and XXXX. They are looking for the XXXX that was cashed into my account. I deposited it XXXX XX/XX/year> XXXX XXXXso that gave me a total of XXXX. When I wire the XXXX That went through. Same for XXXX. Is still owed to me. All I want is what is owed to me. I had all my receipts. I was showing it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I reviewed A COPY OF CREDIT REPORT AND NOTICED FRAUDULENT ACTIVITY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief