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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 2025-08-22 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: CA

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 — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) committed by [ Credit Control LLC ]. 
On XXXX XXXX at XXXX the debt collector disclosed details of my personal debt to a third party, specifically a member of my family ( my sister ) via email. The debt collector sent the following communication to my family member : * Date/Time of Email : XXXX XXXX XXXX * Sender Email Address : XXXX * Recipient ( family members name & email ) : XXXX XXXX XXXX * Subject/Content Summary : my personal information, my balance, account number and more This disclosure of debt information to an unauthorized third party is a clear violation of the FDCPA, specifically 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties about a consumers debt except under very limited circumstances. 
As a result of this violation, I have suffered emotional distress, embarrassment, and a loss of privacy. I am requesting that your office : 1. Investigate this violation by Credit Control LLC 2. Take appropriate enforcement action to prevent further unlawful disclosures. 
3. Record this complaint as part of your oversight of debt collection practices. 
I am also preserving my right to pursue legal remedies, including filing a civil action against the debt collector for statutory damages, actual damages, and attorneys fees as permitted under the FDCPA. 
Attached/Included are : * A copy of the email sent to my family member. 
* Screenshots and XXXX  showing the source and date of the communication. 
* My written statement describing the incident and its impact. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and let me know if additional information is required. 
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
My identity was stolen in XX/XX/year> and now I am receiving harassing calls from XXXX XXXX XXXX XXXX XXXX XXXX  stating that I owe them a depth that they purchased from XXXX XXXX  for XXXX accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX | XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Via Certified Mail Return Receipt Requested Re : Disputed Account XXXX XXXX XXXX / Acct # XXXX To Whom It May Concern : I am formally disputing the above-referenced account that you are reporting to the credit bureaus. This debt is disputed, unverified, and has never been validated by your office. Yet, you have continued to furnish derogatory information to consumer reporting agencies. Such actions constitute multiple violations of federal and Texas law. Violations include but are not limited to : FDCPA 15 U.S.C. 1692g ( b ) : Once a consumer disputes a debt, you must cease collection activities ( including credit reporting ) until proper validation is provided. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) : Furnishers must not report inaccurate or unverified information. Continuing to furnish this unvalidated debt violates these provisions. Metro 2 Standards : Unvalidated and disputed accounts must be suppressed until verified. XXXX XXXX XXXX XXXX : You are required to provide written verification of the debt within 30 days or cease all collection and reporting. Texas XXXX XXXX. XXXX. & XXXX. Code XXXX ( b ) : Reporting or attempting to collect an unverified debt constitutes a false, misleading, and deceptive act. Demands : 1. Immediate deletion of this tradeline from all consumer reporting agencies ( Experian, Equifax, TransUnion ). 2. Written confirmation within 15 days that you have ceased reporting and collection activities. 3. If you believe this debt is valid, provide full validation including : Original signed contract or agreement with XXXX XXXX XXXX Complete account history showing charges, payments, and balance calculations Proof of assignment or purchase of the debt giving you legal standing to collect Failure to comply will result in complaints filed with the CFPB, Texas Attorney General, and other regulators, and I will pursue all available remedies in Texas XXXX XXXX for violations of the FDCPA, FCRA, XXXX XXXX XXXX, and DTPA. Please note : If this account is reinserted with Experian or any bureau after removal without proper notice, I will pursue additional claims under FCRA 1681i ( a ) ( 5 ) ( B ). This letter and your response ( or lack thereof ) will be preserved as exhibits in pending and future litigation. This is your final notice. Govern yourselves accordingly. 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I have been harassed by phone calls, different numbers by a agent, stating hes with Alpine credit and that he will just keep calling me from different phone numbers and making threatening statements to me, that I will be sued and imprisoned if I dont pay a debt. I have asked this person to provide me with Proof of Claim as well as Proof of Interest Rate Increases : Alpine credit Collection company can only collect interest or fees allowed by the original agreement and by law. Explaining how the increase was applied and its legality under the agreement by law and specifically details on interest the agent told me they dont have to provide me with any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: KS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the late payment entries on my credit report, which I believe are inaccurate. This letter is sent under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( section 604 ( a ) ( 2 ) ), and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b. 

The late payments in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on an open-end consumer credit account as late if I have made timely payments. 

I believe these late payment entries are inaccurate because Furthermore, these entries do not comply with Metro 2 guidelines for accurate credit reporting. 

I request that you conduct a thorough investigation into these entries, as I have the right to dispute any inaccuracies in my credit report. If you are unable to verify the accuracy of these late payment entries, I ask that you promptly remove them from my credit report. 

Please complete your investigation within 30 days of receiving this letter and provide me with the results in writing, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

Complaint narrative:
To Whom It XXXX Concern : I am formally disputing the Department of Education XXXX XXXX student loan accounts reporting under my credit file. These accounts are being reported with material inaccuracies in the payment history, which violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Higher Education Act ( 20 U.S.C. 1087e et seq. ), and the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ). 
Specifically, the payment history being reported shows on-time payment entries followed immediately by a XXXX late notation in the subsequent month, which is not logically or factually possible. This contradictory reporting is inherently inaccurate, misleading, and fails to meet the FCRAs standard of maximum possible accuracy ( 1681e ( b ) ). 
Further, as Department of Education student loan servicers are governed by the Higher Education Act, they are prohibited from furnishing inaccurate or misleading data to consumer reporting agencies. In addition, the disclosure of certain education-related records without proper consent XXXX constitute a violation of FERPA, which protects the privacy and accuracy of student education records. 
Because this account information is inaccurate, incomplete, and unverifiable, I am demanding its permanent deletion from my credit report pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation once these accounts have been removed. If you are unable to delete the accounts, I request a detailed method of verification describing the procedures used to verify this impossible and contradictory payment history. 
DELETE : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX )

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 2025-08-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I was scammed by a company posing to be XXXX XXXX customer service. I contacted XXXX customer service on XX/XX/year> to assist with my roku cameras being inoperable. I stated to the " agent '' that I was having a hard time hearing him and he called me back from another number. He stated that my account had been compromised and asked me to download the helpdesk app so he could assist me. He started asking for personal information including ssn, address etc and stated that my accounts had been hacked. I noticed thmy bank accounts had been debited XXXX dollars from Navy Federal Credit Union ( it was taken as a split between my credit and debit card ) and XXXX dollars from XXXX Bank XXXX XXXX accounts. It turns out the app that I downloaded gave the scammers access to all of my personal information as well as my XXXX  wallet, which had all of my debit cards and credit card information. I filed a fraudulent claim with Bank XXXX XXXX as well as Navy federal Credit Union. XXXX XXXX stated that they were siding with the scammers because I was in on the scam. Bank XXXX XXXX sent notification that XXXXXXXX XXXX showed documentation that the claim was valid. Meanwhile I am just a XXXX citizen that was scammed. I filed a police report and have attached it to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged my unfair bank fees on my checking account and refuses to return the funds. Their bank fees are excessive and unnecessary. The only action they take is an agent called reading from a script and emails with erroneous information. This occurred from XXXX, XXXX through XXXX of XXXX. Initially they owed me {$100.00}. Currently I have received {$20.00} out of the {$100.00} I am owed. Their bank fees are outrageous as they do nothing to maintain an account yet continually charge fees.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under USC 1681g, I am requesting their deletion within 15 days. Relevant documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
My account was closed with cash app and I was never told what I allegedly did or violated I have been trying for years to get info and no one will tell me.

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 information incorrect
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
On XX/XX/year>, I made my scheduled {$620.00} auto loan payment through automated ACH, maintaining my perfect XXXX payment history. Despite the servicer showing {$0.00} past due, XXXX XXXX XXXX falsely reported my account as delinquent to all three credit bureaus on XX/XX/year>. This occurred immediately after I rejected their inadequate lemon law settlement offer and filed regulatory complaints in XXXX. The company 's servicer consistently processes payments on the XXXX of each month, but they exploit this timing gap to assess late fees and make false credit reports. They previously waived identical late fees XXXX times but kept {$62.00} in fees during my legal dispute period, demonstrating retaliation for exercising consumer rights.

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 2025-08-22 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: OH

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 # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Union Home Mortgage Corp
State: GA

Complaint narrative:
Dear Sirs : In XX/XX/XXXX, I entered into a temporary loan modification agreement with Union Home Mortgage. I was allowed to enter into this modification, with only my signature as the primary borrower of the loan. Upon completing the three month trial period, I was approved for the permanent modification that was to start XX/XX/XXXX. Upon receiving the paperwork in the mail, I realized that the paperwork required my husbands signature. Throughout the process, I informed the loss mitigation department that I had no contact with my husband, nor would he respond to any communication from me in regards to anything. My husband per temporary divorce orders was given 30 days to vacate the home due to verbal and mental abuse. I currently have possession of the home. I was never informed verbally or via email that his signature would be required if I agreed to the permanent modification. My attorney has advised that I do not try to reach out to my husband, nor would he reach out on my behalf to my husbands attorney regarding this issue due to the complexity of the case. Currently my spousal support is based on my husbands mortgage obligations stemming from a cash out refinance in XXXX of XXXX. My attorney feels that presenting the modification approval would jeopardize my divorce hearing scheduled for XX/XX/XXXX. I am reaching out for your help to approve my modification to move forward without my husbands signature based on the XXXX FHA law regarding co-borrowers signatures. ( HUD Handbook 4000.1 ) My situation involves two of the listed reasons for not requiring a co-borrowers signature. Divorce and abandonment. Prior to being ordered to leave the home, my husband walked out and stated he had no interest in the home or any of the belongings. I have worked hard over the last 13 years of owning this home to ensure it has always been maintained. The value of the home has tripled during this time. I want to continue and am prepared to pay the new payment payment per the modification. The trial period caused my credit score to dropped from XXXX to XXXX. Had I known that my husbands signature would be required to move forward, I would have never entered into this agreement. I am pleading with you to help me in this situation. IF this is not the correct entity for this type of request, please advise who I should contact. 

Thank you for your consideration in this very time sensitive matter.

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