vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX  and XXXX  has failed to fuIfill its legal obligation. have formally notified you of a serious breach that involved my personal credit information. I have reason to believe that my data was accessed, disclosed, or misused without my authorization, constituting a violation of federal law and a direct threat to my financial security.

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b * *, access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *.

, access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *.

Additionally, under the * * Gramm-Leach-Bliley Act ( GLBA ) * *, financial institutions are required to protect the privacy and security of consumer data. A breach of this nature suggests a failure to maintain adequate safeguards, violating * * GLBAs Safeguards Rule ( 16 CFR Part 314 ) * *.

I am demanding the following actions be taken immediately : 1. A * * full investigation * * into the breach and unauthorized access.

2. A * * written explanation * * detailing how my information was compromised.

3. Requesting all original signed contracts authorizing any purchases.

This breach has caused undue stress and potential financial harm. I expect swift and thorough resolution. You are legally obligated to protect consumer data, and I intend to hold you accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I disputed two unauthorized transactions on my Wells Fargo account : one for {$52.00} and another for {$70.00}, totaling {$120.00}. These transactions were then allowed to post the next day on XX/XX/XXXX, despite the dispute being filed before the charges posted. 
When I contacted customer service at XXXX on XX/XX/XXXX, regarding another issue, I brought up the disputed transactions again. However, the representatives were unable to explain why my claim has gone unresolved. 
Since then, my claim has been marked as Opened for over three years as of XX/XX/XXXX, and has not gotten to the In Progress or Resolved stages. This delay is excessive and unacceptable. 
In addition to this issue, I have experienced multiple fraudulent charges on my account over time, requiring me to replace my debit card multiple times. The ongoing problems and lack of resolution have caused significant frustration and inconvenience. As a result, I formally requested that my Wells Fargo account be closed on 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
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union
State: NY

Complaint narrative:
This collection account has been anchoring my credit report for some years now & I have no idea where it came from. This debt does not belong to me, & was fraudulently obtained. When I write letters to the institution, they just send me emails of invoices & owed amounts. 

I ( XXXX XXXX XXXX ) have never had any relationship with this institution & therefore owe them no money at all.

I have not supplied proof under the Doctrine Of Estoppel By Silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I would like this fraudulent negative account to be removed from my credit report at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: C/C Financial
State: GA

Complaint narrative:
Account # XXXX am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location. 3. Do not contact any of my family members, friends, or associates in relation to this debt. 4. Do not report this alleged debt to any credit reporting agencies. 5. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains an account that I never opened, authorized, or recognized. I have no relationship with the reporting creditor, and this account is fraudulent. The inaccurate reporting is causing significant harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account is listed on my credit file that I did not authorize or create. I have never had any dealings with the creditor reporting this account, and this is a case of identity theft or fraudulent reporting. This inaccurate information is negatively impacting my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
This complaint is regarding a late payment entry on my credit file that is factually incorrect. I have never missed or been late on a payment for this account. The false reporting is damaging my creditworthiness and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Filed for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Summary of Complaint I am disputing inaccurate and incomplete reporting of my XXXX XXXX XXXX XXXX XXXX loan on my Equifax credit file. This account contains multiple factual errors and Metro 2 compliance issues. Equifax has a legal obligation under FCRA 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, and under FCRA 1681i ( a ) to conduct a reasonable reinvestigation.

I am also formally requesting the Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires Equifax to provide a detailed description of the procedure used to determine the accuracy of the disputed information, including the name and contact information of the person at the furnisher who verified it, and to supply documentation reviewed during the verification process. 

2. Violations and Inaccuracies Identified A : Incorrect Date of Last Payment Equifax reports the Date of Last Payment as XX/XX/XXXX, yet my own credit file shows payments posted in XXXX, XXXX, and XX/XX/XXXX. This is an inaccurate data field that affects account aging and status. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known or reasonably believed to be inaccurate.

Violation : FCRA 1681e ( b ) : Requires maximum possible accuracy.

B : DOFD ( Date of First Delinquency ) : is Inconsistent with Payment History Equifax lists DOFD as XX/XX/XXXX, yet my payment history shows XXXX late marks in XXXX, XXXX, and XX/XX/XXXX. This means the DOFD is earlier than reported. Reporting a later DOFD can illegally extend the reporting period, a practice called re-aging.

Violation : FCRA 623 ( a ) ( 5 ) : Requires accurate DOFD reporting.

Violation : FCRA 1681e ( b ). 

C : Missing Payment Data In XX/XX/XXXX, the payment history reflects No Data. Metro 2 standards require complete and consistent monthly payment history on open or recently charged-off accounts. This omission misrepresents the accounts continuity.

Violation : FCRA 1681e ( b ).

3 : Legal References 15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : CRA must reinvestigate disputed information. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : CRA must disclose method of verification.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 5 ) : DOFD must be accurate.

4 : Attachments Screenshot of payment history showing XXXX, XXXX, and XX/XX/XXXX payments. 

Screenshot showing DOFD as XX/XX/XXXX. 

Screenshot showing 60-day late entries in XXXX, XXXX, and XX/XX/XXXX. 

Screenshot showing No Data for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief