vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Issue : Missing assignments, post-petition recordings, improper transfers, possible robo-signing, and failure to file Proof of Claim. 

Subject : Improper Assignment Activity, Missing Chain of Title, and Potential Fraudulent Documentation Summary : Wells Fargo serviced my mortgage from XX/XX/XXXX to XX/XX/XXXX, but never filed a Proof of Claim during my bankruptcy nor recorded a valid assignment from MERS. A self-generated assignment appears over XXXX years after closing, and after my bankruptcy filing, raising questions regarding authority, standing, and compliance with 11 U.S.C. 362 ( a ).

Signatures appear to be from individuals known in multiple robo-signing investigations ( assistant secretaries who sign for dozens of lenders ). Notary acknowledgement does not match the signature notary. Timeline is inconsistent and appears manufactured after-the-fact. 

Violations : Failure to file a POC Post-petition assignment ( possible XXXX issue ) MERS did not record assignment pre-petition Suspected robo-signing Invalid notarial acknowledgement Misrepresentation of chain of title Improper or absent disclosures USPS Certified Mail with Signature Tracking ( XXXX Card Pending ) from XX/XX/XXXX Certified Mail on XX/XX/XXXX Lack of Response It has now been well over XXXX days since original mailing and email ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXX and Experian for violations of the FCRA and FDCPA. Experian is reporting an account that does not belong to me, has never been validated, and has been illegally re-aged. 

Creditor Reporting : XXXX Partial Account # : XXXX XXXX : Experian Violations : XXXX. On XX/XX/year>, I requested full validation from XXXX including a signed contract, ledger of charges and payments, ID used, and the address used to open the account. They have not provided any of this, violating : FDCPA 15 USC 1692g ( b ) and FCRA 609 ( e ). 
2. Experian continues to report the account even though it remains unverified, violating : FCRA 15 USC 1681i ( a ) and FCRA 15 USC 1681s-2 ( b ).

3. The account shows future payment reporting dates in 2025, which is factually inaccurate and constitutes illegal re-aging, violating : FCRA 15 USC 1681c ( a ) and FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ).

4. Fingerhut sent a fraud determination letter claiming no unauthorized use but still refused to provide validation documents, which is misleading and violates : FDCPA 15 USC 1692e and 15 USC 1692f.

Evidence Provided : Experian screenshot showing XXXX  reporting dates Email to XXXX sent XX/XX/year> Fraud dispute determination letter from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am submitting this complaint because LexisNexis Risk Solutions is providing incorrect identity information about me to XXXX XXXX XXXX, and XXXX is relying on that false data to deny me access to banking services. 

XXXX told me that my applicationXXXX failed because the Social Security number or other identity information from their third-party provider did not match my real information. I have provided my correct SSN and government ID, I am looking directly at my card, but XXXX continues to rely on the false information from LexisNexis ( or transcribed it wrong ). I have filed a related complaint against XXXX, that does not seem to want to resolve the problem. 

I have sent written requests directly to LexisNexis for a consumer disclosure report so I can see and dispute whatever data they have on file about me. LexisNexis has been unresponsive to those written requests, and I have not received the disclosure. 

As a result, I can not open or use a basic account with XXXX and this is interfering with ordinary financial activities. I am asking the CFPB to require LexisNexis to provide my disclosure report and correct any inaccurate information, and to require XXXX to reconsider my XXXX/identity status based on accurate data and the documentary evidence I have already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. This is not my account. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
Please accept this correspondence as my formal notice disputing the referenced accounts. I have no affiliation with them and did not authorize their creation. I request removal and review. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the following inaccuracies and issues on my credit report. Below are the details of the accounts I am disputing, separated by each bureau : Charged Off Accounts : 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 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 non-monetary relief
Consumer complaint received 2025-11-17 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:
I am submitting these disputes to the Consumer Financial Protection Bureau ( CFPB ) because I have not received satisfactory responses from the credit reporting agencies directly. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any unverifiable, inaccurate, or outdated items from my credit reports. 

Disputed Accounts : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Reported as charged off dated XX/XX/XXXX. 

This account is inaccurate and should not be reporting due to the age of the debt. The date of first delinquency indicates this account is well past the XXXX reporting period allowed under the FCRA ( Fair Credit Reporting Act ). 

I am requesting that this account be deleted immediately from my Equifax report. 

XXXXXXXX XXXX  Account XXXX XXXX Reported as charged off dated XX/XX/XXXX with a balance of {$2100.00}. 

I am disputing the accuracy of this account. I do not have sufficient documentation from XXXXXXXX XXXX verifying this debt or confirming it is being reported accurately. 

I request verification of the account under FCRA 609 ( a ) and correction or deletion if verification can not be provided. 

Disputed Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization. I did not apply for credit with these companies and have no existing business relationship that would permit these hard inquiries under FCRA 604.

I request these inquiries be removed from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It paints my financial priorities in a misleading way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-17 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting a formal dispute regarding the following items on my Experian credit report : Charged Off Accounts : XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Dispute : I believe these accounts and inquiries are inaccurately reported regarding status, payment history, and inquiry validity.

Requested Action : Please verify these accounts with the original creditors and correct any inaccuracies. I request removal or correction of any information found to be inaccurate under the 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 explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am disputing the accuracy and validity of the collection account reported by ( collection name ). I was never provided proper validation of this debt as required under 15 U.S.C. 1692g. I did not receive any written notice from the debt collector within 5 days of first contact. The information reported is inaccurate and incomplete, including the dates, status, and balance. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the FDCPA. Please investigate and remove this account from my credit file because the collector failed to provide validation and is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
Revenue enterprises has never made contact with me or sent any correspondence regarding a hospital emergency room bill. XX/XX/XXXX ( the last day hospital emergency room bills could be put on credit in the state of Oklahoma ) I get a notification of a collection on my credit. I have no collections on my credit previously. They dropped my credit over 30 points. In Oklahoma beginning XX/XX/year> medical bills from life saving emergency room visits are not allowed to be put on consumer credit reports. XXXX regional shows no outstanding bills under my name. Beside the fact I was never notified about this apparent bill it is illegal to include this on any consumer credit reports from a resident of Oklahoma for any emergency room visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zions Debt Holdings
State: OH

Complaint narrative:
Zionsdebthol claims I owe them {$2400.00} but I have no official contract with them. In addition, every time I go to XXXX  to dispute the information the representative was not helpful in this matter. XXXX  claims the information is accurate but it is not accurate the date of purchase is well over XXXX XXXX XXXX. I ask if XXXX  and zionsdebthol can provide accurate information about the assumed debt otherwise it should be deleted off of my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OK

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
XXXX XXXX- The account is being reported as delinquent. This information is inaccurate and unverifiable. 

XXXX XXXX XXXX The account is showing as delinquent with high balance utilization. 

Tennessee XXXX XXXX XXXX XXXX XXXX of late payments inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX Account XXXX XXXX Account type Secured Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX  Account number XXXX Account type Business Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am writing to dispute the following accounts on my credit report. These accounts have inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate and correct these issues. 

Charged Off Accounts : XXXX XXXX XXXX - XXXX, Opened XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX - XXXX, Opened XX/XX/XXXX, Balance : {$790.00} 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