vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A few of the notes on this mortgage have been edited and are note my signature. The response from Wells Fargo has been the same. But information they have provided suggest Signatures fraud. This right to cancel has my signature but is not my hand writing and spelled incorrectly.

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 2025-08-15 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, 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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-15 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 non-monetary relief
Consumer complaint received 2025-08-15 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 2025-08-15 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you claim is associated with my name. I dispute the validity of this alleged debt and demand that you immediately cease and desist from any and all communication with me regarding this matter, except as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. 

This letter serves as formal notice that : I do not acknowledge or admit to owing any debt to LVNV Funding LLC. 

I request that you provide, in writing, full validation of the alleged debt, including the original signed agreements and complete account history. 

You are to stop all further contact with me by phone, email, or any other method, except to provide the requested debt validation or to inform me of specific legal action you intend to take. 

Failure to comply with this request may result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, and I may pursue all legal remedies available to me. 

Please note that any attempt to report this alleged debt to any credit reporting agency without proper validation will be considered a violation of the Fair Credit Reporting Act ( FCRA ) and will be addressed accordingly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
I recently reviewed a copy of credit report, noticed I had fraudulent accounts on my report. Please remove these accounts, from my report, they are hurting my ability, to obtain credit

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 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC                                                                                                                                       XXXX XXXX XXXX XXXX XXXXRe: Credit Collection Services, LLCXXXX XXXXSubject: Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints FiledXXXX Whom It May ConcernXXXXThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seqXXXXI have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.XXXXUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.\n\nYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costsXXXXThis letter is not a requestit is a demand:XXXXRemove all accounts you are reporting inaccurately from my credit file immediately.XXXXtProvide me with written confirmation of each deletion.XXXXCease all future reporting of any unverifiable or inaccurate dataXXXXFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.XXXXThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlines.XXXXSincerely,XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-15 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: OR

Complaint narrative:
My personal info ( SSN, DOB, address ) was exposed in the Equifax data breach ( XX/XX/2017 ). Since then, my Equifax file shows late payments, collections, and other derogatory entries I believe are due to identity theft/fraud from the breach. 

Equifax has failed to comply with : FCRA 605B ( 15 USC 1681c-2 ) : Must block identity theft items within XXXX business days of request + ID theft report. 
FCRA 611 ( 15 USC 1681i ) : Must reinvestigate and delete unverifiable info.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) : Must ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( 15 USC 1681s-2 ( a ) ( 1 ) ) : Furnishers may not report inaccurate info.

Requested Resolution : Require Equifax to block and remove all negative items ( late payments, collections, and any other derogatory accounts ) that can not be fully verified as accurate or that may have resulted from the fraudulent use of my information following their breach. 
Provide written confirmation and prevent reinsertion ( 611 ( a ) ( 5 ) ).

Provide extended free credit monitoring & ID theft protection. 

Here is the list of disputed accounts with details of inaccuracies -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Supporting Documentation Attached : Government-issued ID Proof of current address List of disputed accounts with details of inaccuracies Screenshot of Equifax Data Breach Settlement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and legality of the reporting for the XXXX XXXX XXXX account allegedly tied to XXXX XXXX XXXX. The information currently appearing on my credit file violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting guidelines. 

XXXX. Illegal Re-Aging Metro 2 & FCRA 623 ( a ) ( XXXX ) XXXX XXXX XXXX is reporting the Date Opened as XX/XX/XXXX, which is inconsistent with the true Date of First Delinquency ( DOFD ) from the original XXXX XXXX account. This deceptive update restarts the reporting period in violation of FCRA 623 ( a ) ( 5 ). Metro 2 guidelines require the DOFD to remain unchanged from the original creditor to any debt buyer.

2. Unverified Ownership FDCPA 809 XXXX XXXX XXXX is a debt buyer that merely states it purchased accounts. They have never provided validation proving this specific account belongs to me, including a bill of sale, assignment agreement, or original signed contract. They are not a credit card provider and have never rendered services to me. 

XXXX. Securitization & Trustee Standing Debt buyers frequently acquire pools of charged-off accounts that may have been securitized into asset-backed trusts before transfer. If securitization occurred, only the trustee of the trust has legal standing to enforce the debt. XXXX XXXX XXXX has not produced the XXXX and XXXX XXXX ( XXXX ) or trustee authorization, calling their right to report or collect into question. 

XXXX. Failure to Report with Maximum Accuracy FCRA 607 ( b ) The account shows : Recent status codes ( C for XXXX and XX/XX/XXXX ) with no actual payment activity. 

Incorrect Date Opened, misleading creditors into believing the debt is newer. 

Failure to reflect the true XXXX, which materially misrepresents the age of the debt.

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 2025-08-15 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: TN

Complaint narrative:
There are XXXX bad reviews on my credit report for the same company. XXXX is from the company itself and the other is from a collection company that they hired. I requested Experian to remove XXXX since its not fair for it to be posted twice on my credit report. It was not removed. They updated the information and left it on my credit report. I didnt think they were allowed to update anything. I thought that if something was wrong then it was supposed to be removed. They have done this updates on a couple of other bad ones that I dont remember. They called the company and then updated the information so it would remain on my account. This is regarding XXXX XXXX and the other ones that they have updated to make it fit are notated on my 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 2025-08-15 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: DE

Complaint narrative:
I have made countless attempts to dispute inaccurate information on my credit report. The companies continue to report the same information without validation of the account ( XXXX ). My information was leaked during the cash app data breach which I have made note of. These companies as well as the credit reporting agencies are violating 15 USC 1681, to the extent all accounts aren't listed on every credit bureau so how can this be true and fair. Please remove the following accounts from all 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 2025-08-15 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: NH

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate and Unverified Accounts Under FCRA and FDCPA Request for Deletion Dear Experian Dispute Department, This letter serves as my formal dispute regarding inaccurate, unverifiable, and incomplete information appearing on my Experian credit report dated XX/XX/2025, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and delete or correct inaccurate, incomplete, or unverifiable entries. Under 15 U.S.C. 1692g ( b ), debt collectors must cease collection activity until the alleged debt is validated. 

The following accounts are disputed : XXXX XXXX XXXX XXXX accounts reporting multiple late payments ( XXXX days past due ). I request deletion unless you can provide verifiable proof of the accuracy of each late payment entry, including original creditor payment records. 

XXXX XXXX XXXX ( XXXX charged off, {$150.00} ) Unverified derogatory reporting. Please provide contractual proof of the alleged delinquency. 

XXXX XXXX XXXX XXXX XXXX negative months and charged-off status. This information must be verified with complete payment history, signed agreements, and original creditor documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( {$510.00} ). Provide proof of ownership of the debt, signed original agreement, and itemized billing. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Collection account ( {$22000.00} ). Verification must include proof of legal assignment and complete payment record. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Collection account ( {$1600.00} ). Must be validated per 15 U.S.C. 1692g ( b ) before continued reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collection account ( {$430.00} ). Provide proof of debt and lawful right to collect. 

If you can not provide documented, verifiable evidence from the original creditor proving the accuracy and completeness of these accounts, they must be permanently deleted from my credit file within the required XXXX timeframe under 15 U.S.C. 1681i ( a ) ( 1 ).

Please send me the results of your reinvestigation, along with the name, address, and telephone number of any furnisher contacted. Be advised, continued reporting of unverifiable or inaccurate accounts is a willful violation of federal law and may subject you to civil liability under 15 U.S.C. 1681n and 1681o. 

Sincerely, 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