vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I don't recall owning your establishment any debt. I am writing in response to a collection notice I received regarding an alleged debt you claim I owe. This letter is a formal dispute of the validity of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I request that you provide full validation of this alleged debt.

Specifically, I am requesting : 1. A copy of the original signed contract or agreement bearing my signature, demonstrating my legal obligation to pay this debt. 


XXXX. The name and address of the original creditor, along with the full account number and amount claimed. 


XXXX. A detailed breakdown of how the debt amount was calculated, including any interest, fees, or other charges. 


XXXX. Proof of your legal authority to collect this debt, including any assignments or transfers of ownership. 



Until this information is provided, and the debt is validated in accordance with the FDCPA, I request that you cease all collection activities, including reporting this debt to credit reporting agencies.

Please be advised that failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my states Attorney Generals office.

This is not a refusal to pay but a request for validation. I reserve all rights under the FDCPA and applicable state laws.

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 2025-07-16 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute several inaccurate and unauthorized entries currently appearing on my credit report. Despite previous attempts to resolve these matters, the following issues remain unaddressed : Unauthorized Hard Inquiries : I have identified multiple hard inquiries on my credit report that I did not authorize. I previously submitted a request for verification and documentation proving that I authorized these inquiries. To date, I have not received any such documentation, nor have the inquiries been removed. 

Incorrect Public Record XXXX : My credit report reflects a XXXX  filing that is inaccurate and should not be reporting under my profile. I have no record of this filing and request immediate removal of this erroneous information. 

Fraudulent XXXX Loan : My report also includes an XXXX loan that I did not apply for or authorize. I believe this loan was fraudulently obtained using my Social Security number. I have reported this as identity theft and previously requested its removal. However, the loan continues to appear on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand the correction or removal of any inaccurate, unverifiable, or fraudulent information. Despite my good faith efforts to resolve this matter, no appropriate action has been taken. 

If this matter does not receive immediate attention and these inaccurate items are not removed without further delay, I will pursue legal action to protect my rights and seek appropriate remedies, including damages, under applicable federal and state laws. 

Please consider this my final written demand for correction. I request a prompt investigation and written confirmation once these items have been removed or corrected.

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 2025-07-16 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: MD

Complaint narrative:
Today ( XX/XX/25 ) I received an alert of a hard credit inquiry by XXXX XXXX. I contacted XXXX XXXX to get it flagged as fraud, and they told me to contact Equifax, TransUnion, and Experian. I was able to Contact Equifax and TransUnion who flagged the inquiry as fraud, and I will be sending copies of this report and my ID/SSN to the credit bureaus to have the inquiry removed from my credit report.

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 2025-07-16 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2017, Balance : {$0.00}

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 2025-07-16 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Subject : FCRA Violation Demand for Immediate Removal of XXXX XXXX XXXX Collection from Credit Report To Whom It May Concern at the CFPB, I am submitting this formal complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX in connection with an alleged collection account that continues to appear on my credit reports ( Account Number XXXX ). 

Despite multiple requests for proper verification and documentation, XXXX XXXX XXXX has failed to provide sufficient proof that : They own the debt ; They have the legal right to report it ; The debt is accurate and legally enforceable. 

They have not produced : A signed original contract bearing my signature ; A complete and unbroken chain of title from the original creditor ( XXXX ) ; Detailed billing statements or itemized proof of the alleged debt ; Proof that the debt was lawfully assigned to them before reporting. 

Their continued reporting of this account violates several sections of the FCRA : 15 U.S.C. 1681e ( b ) Fails to ensure maximum possible accuracy of consumer information. 

15 U.S.C. 1681i ( a ) Fails to conduct a reasonable reinvestigation after dispute. 

15 U.S.C. 1681s-2 ( b ) Fails to correct or delete inaccurate information after being notified of a dispute. 

15 U.S.C. 1681n and 1681o Entitles me to statutory and actual damages for willful and negligent noncompliance, including attorneys fees and punitive damages. 

This account is unverifiable, inaccurate, and incomplete, yet XXXX XXXX XXXX continues to report it monthly, damaging my creditworthiness, causing financial harm, and creating emotional distress. This is not only unlawfulit is unethical. 

I am demanding the following : Immediate deletion of the XXXX XXXX XXXX account from all consumer reporting agencies ; Written confirmation of the deletion ; Compensation for damages caused by their willful noncompliance with federal law. 

I am requesting the CFPB to take regulatory action and ensure that this abusive and unlawful reporting is stopped immediately. If no resolution is achieved, I am prepared to escalate this further with the FTC, XXXX XXXX XXXX, and initiate legal proceedings to recover damages. 

Thank you for your attention to this serious 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
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Fraudulent Account Opened in My Name Without Authorization To Whom It May Concern, I am writing to formally notify you that a bank account was fraudulently opened in my name at Chase Bank without my knowledge or authorization. I did not apply for or give anyone permission to use my personal information to open any accounts with your institution. 

This is a clear case of identity theft, and I am requesting that Chase Bank immediately investigate and permanently close any accounts that were opened using my name, Social Security number, or other personal information without my consent. 

Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request written confirmation that the fraudulent account ( XXXX ) have been closed and removed from any internal or external records and systems. Additionally, I request any relevant documentation regarding when the account was opened and what identification or information was used. 

Please consider this letter a formal dispute and a request for documentation related to the account ( XXXX ). I am also including a copy of my government-issued ID, proof of address, and an identity theft affidavit for verification purposes. 

If you require any further information or documents from me to assist in resolving this matter, please contact me promptly at the address or phone number listed above. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple serious inaccuracies and unauthorized inquiries that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). These errors are harming my creditworthiness, reputation, and emotional well-being. I am providing full details below for your review and immediate action. 
XXXX XX/XX/year> Unauthorized Inquiry This inquiry was placed on my credit report without my authorization or knowledge. I did not apply for any credit or loan from XXXX XXXX XXXX XXXX ( XXXX ) on this date. As per FCRA Section XXXX, credit inquiries must only be conducted with a permissible purpose and consumer consent. This hard inquiry negatively impacted my credit score and caused suspicion with future creditors who questioned the inquiry 's legitimacy. I believe this may have resulted from a fraudulent application or an auto dealer misusing my personal information without consent. 
I am formally requesting that all of the above addresses and inquiries be investigated and permanently removed from all credit bureaus. These actions violate the Fair Credit Reporting Act, and I am prepared to escalate this matter further if necessary. Please provide me with a written resolution and confirmation that these items have been removed or corrected.

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 2025-07-16 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: GA

Complaint narrative:
I am filing a formal complaint regarding the continued reporting of inaccurate and unverifiable late payment information by the XXXX major credit reporting agenciesExperian, Equifax, and TransUnionrelated to a joint auto loan account with XXXX XXXX. 

Despite submitting previous disputes under the Fair Credit Reporting Act ( FCRA ), the following unresolved violations persist : Experian continues to report late payments dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite having completed a reinvestigation, which they marked as completed, but then appended only a consumer disagrees note rather than conducting or documenting a meaningful review. 

The delinquency dates listed by Experian do not match the delinquency dates reported by Equifax and TransUnion, which indicates either data integrity issues or failure to maintain accurate records, violating FCRA XXXX ( b ). 

None of the credit bureaus have provided documentary validation from XXXX XXXX showing proof of these late payments, such as billing statements or communication of delinquencies. 

This issue has materially impacted my creditworthiness and continues to appear on my reports, despite being challenged multiple times. I am also attaching supporting documentation, including dispute letters sent to each credit bureau. 


Legal Basis : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I disputed a {$310.00} charge from XXXX  XXXX due to non-receipt of goods in XX/XX/year>, and the dispute was eventually settled and my account was credited for the disputed amount. The account accrued hundreds of dollars in late fees and interest over the period of the investigation. I assume the account will continue to accrue late fees and interest charges, and I XXXX my XXXX XXXX will be negatively impacted for the next XXXX  years over this matter, unless someone at Wells Fargo considers implementing fairer business practices with regard to my account. 

Will you consider reversing the late fees, interest charges, and incorrect reporting to the credit bureaus? 

Attached is a credit card statement to make locating my account easier. 

Thanks for any assistance you can provide.

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 monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am currently a federal student loan holder who has been enrolled in the XXXX XXXX XXXX XXXX program. I have reached the necessary XXXX payments to achieve forgiveness ( plus another XXXX payments ). I spoke to the XXXX representatives and they informed me that they have not received any updated payment information from Mohela since XX/XX/year>. I have been consistently making payments to Mohela this entire time. They have been accepted my money and are not forwarding my payments to the federal government to allow me student loan forgiveness. I have been trying to contact Mohela representatives but their phone menu actively prevents you from speaking to a representative. If you end up speaking to a human agent, that person then sends you to an " XXXX  XXXX '' with a call wait time of XXXX hours that ends up being XXXX hours. The advanced admin you speak to is still not able to address the problem and and is of no help. After all this time, I still do not have a clear answer as to how to fix my issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I disputed the information on the FTC complaint as it appears on my credit profile. I requested them to validate the debt to prove it belongs to me XXXX XXXX and if the debt could not be validated I would like for the debt to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-16 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that fail to meet the legally required standard of maximum possible accuracy. These errors are not only incorrectthey are having a serious and ongoing negative impact on my financial health and personal well-being. 
This is an incredibly difficult time, and the stress caused by these reporting mistakes is both profound and unjust. I am askingfirmly and respectfullyfor your immediate attention and action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I was never late in this account. Please provide payment history supporting the inaccurate reporting on my credit report.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-07-16 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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