vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/year>2025 I was sent a phone number about a pending law suit from XXXX. File number XXXX. Amount owed was {$1200.00} plus with court fees it would be over {$4000.00}. They said it could be settledfor {$700.00}. I told them I have never had a Wells Fargo account of any kind. They said a lawsuit was being filed on me due to a past amount owed to Wells Fargo. I told them I have never had an account with Wells Fargo. I asked for a number to Wells Fargo XXXX. I called it and was redirected to XXXX. Two different ladies looked thru their records and stated that they could not find any account information under my social security number or name and instructed me to file a complaint about this due to the threatening nature and this sounded like a scam.

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 2025-06-11 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:
I want to be absolutely clearthis complaint is not an error. My credit report contains significant inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I expect immediate action to investigate and correct or remove these inaccuracies. Resolving this matter promptly is not just importantits essential.

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 2025-06-11 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. The specific accounts I am disputing are detailed below. 

* * Inaccurate Account Information : * * XXXX. XXXX XXXX XXXX ACCOUNT # XXXX * * * * XXXX. XXXX XXXX ACCOUNT # XXXX * * * * XXXX. XXXX XXXX XXXX ACCOUNT # XXXX * * * * XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX * * * * XXXX. XXXX XXXX XXXX ACCOUNT # XXXX * * * * Under XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ), creditors have a duty to report accurate information to credit reporting agencies. The information listed above is inaccurate, and as a result, it does not comply with this requirement. Furthermore, under XXXX XXXX. XXXX ( b ), credit bureaus have a duty to maintain maximum possible accuracy in their reports. The presence of this inaccurate information violates that duty and may negatively affect my creditworthiness. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report within XXXX days of receiving this letter. Additionally, I would like to receive written confirmation of your findings and an updated copy of my credit report once the corrections have been made. 

Thank you for your cooperation. 

Sincerely, 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 2025-06-11 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: OneMain Finance Corporation
State: CA

Complaint narrative:
ONEMAIN XXXX : XXXX. XXXX, 2025 + Finance/Personal XXXX Inquiry : XX/XX/year> + Finance/Personal ONEMAIN Inquiry : XXXX. XXXX, 2025 + XXXX ONEMAIN XXXX : XXXX XXXX, 2025 + Finance/Personal BRB/BE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 tried disputing fraudulent account on a EQUIFAX And XXXX they refuse to remove the negative accounts I am a XXXX XXXX XXXX XXXX and identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I tried disputing fraudulent account on a XXXX  And EXPERIAN they refuse to remove the negative accounts I am a XXXX XXXX XXXX XXXX and identity Theft.

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 2025-06-11 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: VA

Complaint narrative:
I am writing to dispute the following information in my credit report. I have reviewed my credit report and found inaccurate information that I am requesting be investigated and corrected. 

The item I am disputing is as follows : Creditor Name : XXXX XXXX XXXX Account Number : [ Account number ] Reported Information : Inaccurate name and information. 
Reason for Dispute : it saids my name is XXXX XXXX XXXX. My name is not XXXX XXXX XXXX never has been. It also saids that is an open account. That is also false. They sold the account to a collection agency and is in collections I am requesting that this item be investigated and removed or corrected. Enclosed are copies of supporting documentation to assist with the investigation. These include [ list the documents you are attaching, such as bank statements, payment confirmation, letters, etc. ]. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and you are required to investigate and respond within XXXX days. 

Please confirm receipt of this dispute and provide a written response upon completion of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

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 2025-06-11 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: FL

Complaint narrative:
I am submitting this complaint to Equifax about inaccurate information on my credit report that has not been validated, confirmed, or physically verified. 

I have found entries that appear erroneous and remain unverified. Under my federal and state consumer rights, I have the right to demand their immediate removal. This notice also ensures your reporting follows the requirements of XXXX XXXX XXXX, XXXX XXXX, which outlines proper verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: NM

Complaint narrative:
Date : XX/XX/year> What happened : XXXX  call ( morning ) : Male representative called regarding student loan debt. He was recording the call but never disclosed this to me. He referenced a previous conversation from XXXX about the debt and asked if I could pay it back. I said no that I could not that I have other bills to pay like rest utilities like electricity and gas. He offered payment plans of XXXX monthly payments of approximately {$170.00} or biweekly payments that could land on my paydays. I said no. He said that it was on my credit record and I said that it didn't matter because it is not like women are going to have any rights in this country anyways, that the way the country is going that it did not matter. Then he asked me if I was a XXXX citizen. I retaliated with what XXXX does that have to do with this? and asked to speak to a supervisor. He said he would place me on a brief hold and hung up on me. 
XXXX call ( same day - within minutes ) : I called their XXXX number and spoke to a different representative. I told her the same story and asked her what the XXXX does my citizenship status have to do with anything. She apologized for the situation and that has nothing to do about it. She provided me with her name XXXX XXXX and the name of the representative that called me XXXX XXXX. She said the supervisor who is going to call me is XXXX XXXX. 
XXXX call ( few hours later ) : XXXX XXXX called and properly disclosed the call was being recorded. When I mentioned the XXXX representative did not disclose recording, he ignored this. XXXX argued that someone had called me back, but I explained I never received that call because I was already on the phone making the second call. He dismissed my explanation and was not paying attention to what I was saying. I explained I was calling to address why I was asked about citizenship status. He said he read notes confirming the question was asked but avoided addressing whether there would be consequences. Instead, he repeatedly asked if I told the XXXX representative I would not pay the debt, which has nothing to do with my citizenship status. I kept redirecting to the citizenship question issue, but he kept dismissing my concerns and returning to " did you tell him you were not going to pay the debt? '' When I requested a copy of the XXXX  call recording, he refused and said I would need an attorney to obtain it. I requested to speak to his supervisor and he sighed and put me on hold and then said that his supervisor was not in today. I asked for his supervisor 's name and he provided the name XXXX XXXX. He then asked if I was getting an attorney and I said why do I need to tell you anything. He told me I was on the no call list. He asked again if I was getting an attorney I replied with I don't need to tell you anything.no thank you and bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-06-11 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:
Formal Complaint and Legal Dispute XXXX XXXX XXXX ( Account # XXXX ) Violation of FCRA 611 [ 15 U.S. Code 1681i ], FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], and FDCPA Dear CFPB Complaint Resolution Officer, I am submitting this formal dispute and complaint regarding the inaccurate and legally non-compliant reporting by XXXX XXXX XXXX ( Account # XXXX ), as reflected in my credit report. I am requesting the immediate deletion of this account due to multiple violations of federal law including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Charged off Balance : {$10000.00} Credit Limit : {$10000.00} Date Opened : XX/XX/XXXX Last Activity : Inconsistently reported ( XX/XX/XXXX vs. XX/XX/XXXX ) Current Payment Status : Collection/Charge-off Grounds for Dispute and Legal Violations : 1. Inaccurate and Inconsistent Reporting ( Violation of FCRA 607 ( b ) ) 2. The account lists different last activity dates : XX/XX/XXXX, vs. XX/XX/XXXX, which is factually impossible and suggests that this tradeline is being improperly updated, potentially to re-age the debt. This is a clear violation of FCRA XXXX ( b ), which mandates maximum possible accuracy. 

XXXX. Unverifiable and Stale Debt ( Violation of FCRA 611 ( a ) ) 4. This account was opened in XXXX and charged off by XXXX. It has exceeded the XXXX reporting limit under FCRA 605 ( a ) ( 4 ), which prohibits reporting accounts in charge-off status older than 7 years from the date of first delinquency. This account must be permanently deleted, not merely updated. 

5. Re-aging the Account to Mislead or Extend Reporting Period ( Violation of FDCPA and FCRA ) 6. Reporting activity as recent as XXXX for a charged-off account from XXXX is misleading and unlawful. The practice of re-aging debts to continue reporting beyond the legal time frame violates both the FDCPA and FCRA. 

7. Lack of Monthly Payment Obligation Misrepresents Account Type 8. A $ 0 monthly payment but continued reporting of a high balance gives the impression that the debt is active, even though it is closed and charged off. This can mislead lenders and artificially damage my credit standing.

9. Consumer Dispute Flags Not Visible 10. According to FCRA 611 ( b ), once a consumer has disputed an account, the tradeline must be marked as disputed by consumer. The current reporting does not reflect any dispute remarks. This is a clear violation and another reason to demand deletion.

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 2025-06-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX - Account Number : 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 XXXXccount 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} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief