vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 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 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 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a formal and aggressive complaint against Experian for its blatant and willful violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ). 

I, XXXX XXXX, am a documented victim of identity theft as proven by my FTC Identity Theft Report XXXX XXXXXXXX. Experian has continuously refused to remove fraudulent data from my credit report despite receiving ALL required documents, including my FTC report, a notarized identity theft affidavit, and multiple formal dispute notices. This noncompliance is unacceptable, unlawful, and a direct attack on my consumer rights. 

XXXX XXXX to XXXX XXXX You refused to provide me with full access to my credit report, obstructing transparency and violating federal law. 

XXXX Mandatory Blocking of Identity Theft XXXX XXXX failed to block fraudulent information after receiving an official identity theft report. The law gives you XXXX business days. You ignored it. 

XXXX ( b ) Duty to Report XXXX XXXX You are knowingly and recklessly reporting false, fraudulent accounts that you can not verify and that I did not authorize. 

XXXX Reinvestigation Requirements You failed to perform a good-faith reinvestigation. No written results. No contact. No removal. This is a complete breakdown of the dispute process. 

XXXX & XXXX Civil Liability Your willful and negligent noncompliance opens you up to legal liability, and I reserve all rights to pursue damages in federal court.

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 2025-07-14 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have made contact with the furnisher, they have not reacted to my dispute under the FCRA, now I am formally disputing and auto loan account that is being falsely reported and collected under my name, this debt is not legally mine, and attempts to collect on it have included false representations, repeated electronic communications, and violations of communications protections laws. I have sent the furnisher and reporting agencies a 609 request for disclosure, a XXXX XXXX compliance challenge, and a TILA ( truth in lending act ) letter demanding validation and proof of lawful reporting and collection. under 15 u.s. code 1681, I am exercising my right to dispute this account, demand complete documentation, and request an immediate investigation. no prpoer validation has been provided to support the debts legetimacy, and the continued collections efforts are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I filed XXXX XXXX XXXX  and this XXXX XXXX account was included in the discharge. However, the account is still being reported inaccurately on my XXXX XXXX. The remark Dispute resolved reported by grantor is misleading and outdated. The account does not properly state Included in Bankruptcy with a {$0.00} balance, as required. This violates the FCRA specifically XXXX XXXX. XXXX ( Section XXXX ) and XXXX ( Section XXXX ) which require accurate, complete, and verifiable reporting. 
If XXXX XXXX can not verify and correct the data within XXXX  days, the account must be deleted. I am requesting the immediate deletion of this account from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Tried to close an account but XXXX keep charging me for a closed account... talked to the staff and no solution... this went on for months XX/XX/year> to fall of 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 2025-07-14 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: 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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
> I am filing this complaint against XXXX XXXX regarding an account listed on my XXXX  credit report ( account ending in XXXX ). The account was originally opened on XX/XX/year>, with an original balance of {$670.00}. 

This account is currently reporting as charged off with a balance of {$1200.00} and a remark that the " first payment was never received. '' This statement is inaccurate and damaging. I have previously disputed this account directly with the credit bureaus and XXXX XXXX, and have not received any proper validation of the debt. 

Despite the unresolved dispute, XXXX XXXX has continued to report new negative information including an updated balance increase and charge-off status which violates the Fair Credit Reporting Act ( FCRA ) guidelines for fair and verifiable credit reporting. 

The continued updates to this derogatory account, while under dispute and without any validation provided, is not only misleading but has directly impacted my credit rating and mortgage qualification process. 

I am requesting the CFPB review this case and require XXXX XXXX to either : Immediately validate the debt with proper documentation Or remove this account from my credit reports entirely for failure to verify and continued inaccurate reporting during dispute. 




Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

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  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this as a follow-up to my previous CFPB complaint ( XXXX XXXXXXXX ), XXXX XXXX  XXXX ), ( XXXX ) originally submitted on XX/XX/XXXX. 

Despite receiving notice that the complaint was sent to the bureaus on XX/XX/XXXX, I have not received a formal response or verification of any of the disputed accounts within the XXXX window, as required by the Fair Credit Reporting Act ( FCRA ) under XXXX. 

Since my initial complaint, Equifax removed the XXXX XXXX collection, indicating that an investigation was performed yet no documentation or summary of findings was provided, in violation of my rights under federal law. 

Meanwhile, other disputed items remain on my reports with no proof of investigation, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} collection XXXX XXXX XXXXXXXX delinquency ( despite {$0.00} balance ) XXXX  marked XXXX days late, XXXX XXXX XXXX reported late payments XXXX XXXX documentation In addition, several XXXX  inquiries are still being reported that were never authorized by me in writing as required by FCRA XXXX ( c ), including : XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  ( various dates ) XXXX XXXX ( XX/XX/XXXX ) There is also personal information that is on my credit profile that are not accurate and need to be removed. 

XXXX XXXX XXXX is my name XXXX XXXX XXXX, XXXX, Texas XXXX is my only address. 
I am unemployed so no past employers should be present. 
XXXX is my only phone number. 

I request the following : XXXX. A written explanation and documentation verifying each account and inquiry ; or XXXX. Immediate deletion of all remaining unverifiable accounts and inquiries If no formal response is provided within XXXX  days of this follow-up, I will consider filing a complaint with the FTC and XXXX legal aid for possible FCRA violations XXXX XXXX ( a ) and 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 2025-07-13 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: Superior Holdings, LLC
State: TN

Complaint narrative:
I was looking at my credit report found out that an account i had was closed been for awhile has came back and now is open again. Was trying to figure out why close account then a year later reopen it I thought that they couldn't do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
The company provided a balance amount and reported it to the credit bureaus as unpaid. However, they did not provide full validation, itemized billing, or documentation proving I am personally liable. This debt stems from a personal injury auto accident on XX/XX/XXXX and should have been resolved through insurance. Under the new XX/XX/XXXX federal rule, this medical debt should no longer be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I have made my payments to get caught up. My report on my credit and loan account do not match up and the numbers do not match up.

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 2025-07-13 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: MO

Complaint narrative:
I am providing an update regarding my open ticket XXXX XXXXXXXX concerning my ongoing dispute with TransUnion over an XXXX XXXX  card account reporting on my credit file. 

I have repeatedly requested full validation and verification of this XXXX XXXX  card account from TransUnion. Specifically, I requested : Signature validation of the debt ( signed application or contract showing I agreed to and opened this account ). 

A full transaction history supporting the balance and activity reported. 


Instead of providing these required documents or evidence, TransUnion has repeatedly sent me copies of my credit report. This does not address my dispute and does not constitute a proper investigation or verification. 

Furthermore, I already have access to my credit report and do not need to receive XXXX letters from TransUnion containing the same credit report over and over again. This repetitive mailing does not resolve or satisfy the requirements of my dispute. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to : Conduct a reasonable investigation of disputed information. 

Obtain and provide evidence from the furnisher ( XXXX ) confirming the accuracy and validity of the account. 

Provide the consumer with the results of that investigation, not simply a reissued credit report. 


XXXX failure to provide documentation or resolve this dispute properly is a violation of my rights under the FCRA. 

I request that the CFPB require TransUnion to either : XXXX. Provide the full supporting documentation, including signature proof and transaction records from XXXX ; or XXXX. Remove the disputed XXXX credit card account from my credit file in accordance with the FCRA. 



Thank you for your assistance in addressing this matter and holding TransUnion accountable.

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 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
Rent Recovery Solution Lied Stating That I Paid XXXX , % Of A Dept That's Owed Because I Have Not Paid Anything, After I Submitted Documents Stating What That Sent Was Inaccurate & False Information Concerning My Balance XXXX  Hold RRS Accountable For Providing Inaccurate False Information To My Credit Report For The Last Few Years That Has Damaged My Credit, Hinder My Ability To Obtain Rental Property, Caused Me Stress With Continuous Phone Calls In The Past, It Will Not Be Right By Law To Allow Them To Update My Account It Needs To Be Taken In Serious Consideration To Remove & Delete This Account From My Credit History Because They Have Committed Serious Fraud, They Knew What They Been Doing Was Trying To Get More Money Out Of Me, Make This Right For Me As A Consumer, Again Do Not Allow Them To Update This Account Because They Was Caught In A Lie Which Saying The Balance Was One Thing & It Was Reported Another, Then To Say I Paid The 5 %, Which In Actually They Was Trying To Get 5 % More Of What The Actual Balance Was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I have received an email from Mohela that my account was delinquent. My credit score dropped over XXXX points, and now I am in the XXXX. However, I am enrolled in as a graduate student at XXXX XXXX. I have my acceptance letter, I registered for classes, and I have my class schedule. Being enrolled I should have automatically received in school deferment but I did not. This negative impact to my credit score is a mistake, and I need it to be solved as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. 

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXXXXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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