vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
I am filing a complaint because several creditors are unlawfully reporting my account utilization and balance data to the credit bureaus. Under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, transactions or experiences between a consumer and the creditor are expressly excluded from the definition of a consumer report. Despite this, my creditorsXXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXhave reported utilization percentages that have significantly lowered my credit scores. I have formally requested correction or deletion, but the companies have failed to respond or resolve the issue. I am seeking full removal or reduction of all utilization data and a review for FCRA 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 non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am filing a complaint because several creditors are unlawfully reporting my account utilization and balance data to the credit bureaus. Under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, transactions or experiences between a consumer and the creditor are expressly excluded from the definition of a consumer report. Despite this, my creditorsXXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXhave reported utilization percentages that have significantly lowered my credit scores. I have formally requested correction or deletion, but the companies have failed to respond or resolve the issue. I am seeking full removal or reduction of all utilization data and a review for FCRA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Complaint Regarding MRS BPO , LLC Request for Debt Validation and Compliance Review I am submitting additional information in response to CFPBs request regarding my prior complaint against MRS BPO , LLC. 

MRS BPO , LLC has attempted to collect on, or is reporting, a debt allegedly associated with XXXX XXXX, but I never received prior notice or validation of this debt. The account appeared on my credit report without my knowledge or consent. 

On XX/XX/year>, I mailed MRS BPO , LLC a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). To date, they have not provided proof that this debt is valid, nor have they provided any signed documentation or itemized statements to verify the amount. 

I am requesting that the CFPB : 1. Ensure MRS BPO , LLC complies with federal law by providing full validation of this alleged debt before continuing collection or reporting. 
2. Confirm that the company ceases all collection activity until proper validation is supplied. 

Attached documents : Copy of my original debt validation letter sent to MRS BPO , LLC Drivers license and proof of address ( for identity verification, per CFPBs request ) Credit report excerpt showing the alleged collection entry My contact information and identifying details ( address and date of birth ) match what the original creditor, XXXX XXXXXXXX, should have on file. 

Please reopen this complaint and proceed with your investigation. Thank you for your help ensuring that my consumer rights are protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>2025, I went into Wells Fargo bank to cash/deposit a check received from XXXX XXXX mortgage in my husband 's and my name ( I have checking and saving account them ). My husband used to have accounts with Wells Fargo Bank, but I closed his account under the advice of my Lawyer. My husband has XXXX and I am his legal Conservator. 
I entered the bank on XXXX XXXX with the intent to deposit the check from XXXX XXXX that is in me and my husband 's name. I brought my legal documents with me which includes, legal guardianship document that is notarized/authorized by the county court of XXXX Virginia and a copy that breaks down what I can do legally on behalf of my husband which is also notorized/ authorized by the county court. The documents were reviewed by the bank associate and the bank manager and thrn call was placed by one of the associates to Wells Fargo Headquaters who reviewed the legal documents that was scanned to them ... after sitting in the bank for over 45mins having the forms reviewed by Wells Fargo they still refused to cash the check! I was told that the only way the check could be cashed or deposited was if I open a conservertor account! I made it very clear that I am long time customer of this bank with legal notorized documents to cash a check for {$520.00} but a crook can steal over {$6000.00} from my Wells Fargo account in a drive-thru in Arizona on a Saturday after I closed my checking account a few years ago!

This has been a frequent problem that I have had with this bank., I am a regular customer. I paid a lawyer and went through the proper legal channels in order to be able to legally handle my Husband 's legal affairs and basically I was made feel by Wells Fargo, that my legal documents were worthless pieces of paper.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: LA

Complaint narrative:
Ive requested a breakdown of what I owe and no ones giving me one. XXXX XXXX which is based in XXXX, Tx and XXXX XXXX which is the debt collection company that XXXX XXXX sold whatever I owed to them have transferred the debt without mailing me notice as well. Also I mounted a tv in the apartment which should be the only thing I should even have to pay for. I moved out XXXX  months earlier than the agreed lease. According to Texas law ( Texas Property Code 91.001 and following ) requires a landlord to mitigate damages if a lease is broken early. That means they must make a reasonable effort to re-rent the unit. They cant just sit on it and bill you for the entire remaining lease. I gave no XXXX permission to take over the debt, the security deposit shouldve taken care of the wall damage. And the apartment was rented shortly after my departure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
I have never opened an account with the company referred on the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessary, it is critical.

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 2025-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an inquiry on my credit report that I have absolutely no knowledge of. I did not authorize this inquiry, nor did I give any company permission to access my credit report or submit any application. This situation is extremely concerning and has caused me significant stress and anxiety about how this could have occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Prior to paying of my loan, I called the company the day before going to bank to finalize.They told me what the payoff was, so the next day I had gone to my bank for electronic transfer of funds to my mortgage company. A couple of days later I went into my mortgage account to see how it was going with payoff. Instead of using my money to pay off the loan, they used it to pay my homeowners insurance.Days before this I requested that they do not make payment to them. I explained to them I had already paid them and am on a monthly payment plan, they went and paid them anyhow. The payment I made to them was to pay the balance of my loan, making my loan paid in full. this payment was specific to pay loan.There is more this and would prfer to talk to someone to explain, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file despite my previous dispute letters sent to your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file despite my previous dispute letters sent to your company.

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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Representative are coming by my home after XXXX and talking to my minor kids about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file despite my previous dispute letters sent to your company.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I dispute the Capital One Auto Finance auto-loan tradeline ( Acct # XXXX ) appearing on my credit reports as charged off with a {$740.00} balance. I never missed any payments and received no notice of delinquency or opportunity to cure. Despite this, XXXX, XXXX, and XXXX  continue reporting this false charge-off in violation of the Fair Credit Reporting Act 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ) ( 2 ) and the Fair Debt Collection Practices Act 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint under FCRA 1681b & 1681e ( b ) Dear CFPB Representatives, I, XXXX XXXX, am filing a formal complaint regarding inaccurate and/or unauthorized information appearing on my credit report, reported by XXXX XXXX XXXX and maintained by Equifax.

This situation constitutes violations of the Fair Credit Reporting Act ( FCRA ) as follows : 1. 15 U.S.C. 1681b ( FCRA 604 ) Limits access to consumer credit reports only to those with a permissible purpose. I have not authorized nor does there exist a legitimate permissible purpose for this entity to access or maintain information in my credit file.

2. 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccurate data in my file demonstrates a failure to comply with this requirement.

I am requesting that the CFPB investigate this matter and compel the immediate correction or deletion of this inaccurate or unauthorized information from my credit report.

Enclosed are copies of my identification, the credit report showing the disputed item, and any prior correspondence with the involved parties.

Thank you for your attention. I respectfully request written confirmation of the initiation of this complaint and the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: PA

Complaint narrative:
I began treatment with XXXX XXXX XXXX and paid only the initial down payment. Several of the aligners did not fit correctly, and I was instructed to request refinements under their XXXX XXXX XXXX. Before those refinements could be provided, XXXX XXXX XXXX went bankrupt and shut down operations. This means my orthodontic treatment was never completed and the service I paid for was not delivered. 

Despite the treatment not being completed, XXXX is attempting to collect the remaining balance and is reporting the account on my credit report. I disputed the account directly with XXXX on XX/XX/XXXX and requested validation, including proof of completed treatment and an itemized balance. I did not receive any response. They continued reporting the account without validating the debt.

This is a violation of the Fair Debt Collection Practices Act ( for failure to validate the debt ) and FCRA 623 ( for continuing to report inaccurate and unverified information ). Because XXXX XXXX could not complete treatment, the remaining balance is invalid. I am requesting that the account be removed from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
multiple violations of the fair credit reporting act and FDRA, cease and desist letters were sent regarding this matter and related such as unethical, and non-valid adddress and residency reporting placing me places i've never lived and willingly placing XXXX dollars in debt upon my credit report when it is the duty of the XXXX. to retrieve restitution from the suspect convicted in my XXXXXXXX XXXX XXXX XXXX victimization additionally the medical bills stemming from the t-bone by allsate driver XXXX XXXX XXXX XXXX about XX/XX/year> traumatic XXXX XXXX sustained substantial impact to my XXXX  and XXXX column, XXXX was responsible under umbrella policy of the figarottas, so XXXX in medical bills falsely reported as bills i'm ' responsible for which is not the case then, causing this info as well as other unverfied and non-valid info to be on my XXXX bureau reports such as accounts that are not mine and have stated these things too and proven how they are identity theft but not removed so they are retaliating on me by denying any forms of lending or credit to me for loans auto purchase financing anything.because i've made formal statement sand complaints regarding this injustice that is causing backlash, adverse decisions and ntially barring me from fair oppourtunities available to me as a consumer because the debt from the medical bills is not my responsibility but that of they actors who caused irreperable damages to my physical health and or body all these bills need to be shifted to the actual responsible parties freeing me up and alleviating my credit reports and debt ratios causing me to be not eligible for certain provisions or rights due to unfair reporting by these credit reporting agencies who are sharing and saleing false unverified information pertaining to me and my credibility. knowingly and willingly in efforts to undermine and shift the accountability on them to show as my inability or insolvency clearing the path for the sabotage to be believable and in concert with the design the false reporting is causing and narrative it signals or insinuates. verifying the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even needing medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me

Company response to consumer: Closed with explanation