vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Research Inc
State: OH

Complaint narrative:
Inaccurate and unauthorized information input on all three of my credit report agencies. 

XX/XX/year>XXXX  Central Research Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request and Formal Complaint Regarding Fraudulent Claim To Whom It May Concern, I am writing to formally dispute and demand validation of the alleged debt you have reported under my name. According to verified records maintained by XXXX XXXX, this matter has been satisfied by discharge, and therefore, no valid claim exists. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full and complete validation of this alleged debt, including : The name and address of the original creditor A copy of the original signed agreement A full accounting of the alleged debt Documentation proving your legal authority to collect on this matter Additionally, any continued reporting of this discharged debt to credit bureaus constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Privacy and Information Act, as the information is inaccurate and unverified.

When a consumer is in contract with a company there has to be blue or black ink signature from the consumer for it to a valid contract. There is no proof of consumer signature with Central Research Inc XXXX, the company the discharge was released to from the original creditor. Therefore, this is now fraud with Central Research Inc XXXX. They have inaccurate information and it is reporting inaccurately on my credit reports. I demand this discharge be removed from all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 review a copy of my credit report and notice 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 2025-06-26 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: TX

Complaint narrative:
This letter is a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. regarding inaccurate and unverifiable information appearing on my credit report. I am demanding immediate investigation and removal of the following accounts, inquiries, and derogatory items. These entries are either inaccurate, outdated, not authorized, or in violation of federal law. You are legally required to respond within 10 days of receipt of this dispute.

I did not authorize or initiate these inquiries, and under 15 U.S. Code 1681b ( c ), you are required to ensure that inquiries are only made with a permissible purpose. These entries constitute a violation Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation. If these furnishers can not provide documented proof such as billing statements or signed agreements validating these late marks, they must be removed. If you continue to report inaccurate 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 2025-06-26 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 letter is a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. regarding inaccurate and unverifiable information appearing on my credit report. I am demanding immediate investigation and removal of the following accounts, inquiries, and derogatory items. These entries are either inaccurate, outdated, not authorized, or in violation of federal law. You are legally required to respond within 10 days of receipt of this dispute.

I did not authorize or initiate these inquiries, and under 15 U.S. Code 1681b ( c ), you are required to ensure that inquiries are only made with a permissible purpose. These entries constitute a violation Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation. If these furnishers can not provide documented proof such as billing statements or signed agreements validating these late marks, they must be removed. If you continue to report inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
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. 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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I called to open an account with Navy Federal and they informed me that I already had an account open. I informed them that I did not open the account and it had to be fraudulently opened. I have spoken with the company multiple times but I have not had any success with closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Please remove my XXXX XXXX credit card, which has been closed since XX/XX/XXXX. After speaking with XXXX XXXX XXXX department, they assure me that the account has been closed since XXXX. The information reflected on my credit report shows that account was created on XX/XX/XXXX and it is still open. I want the account removed from my credit report along with all the late payments that where not correct on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo Auto is reporting late payments on a fully paid and closed account without proper prior notice Complaint Description : I am submitting this complaint against Wells Fargo Auto ( WFBNA ) regarding an auto loan account that was fully paid and closed, yet they continue to report 11 late payments to the credit bureaus ( TransUnion and Experian ). These late payments are severely affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA ), I requested the following documentation from WFBNA : 1. Copies of all written notices sent prior to reporting any late payments.

2. Exact dates these notices were sent.

3. Verifiable proof that I received such notices in advance.

To date, WFBNA has failed to provide this evidence. Therefore, I am requesting : The removal of all late payments from the credit bureaus. 
If they can not verify proper notice, the deletion of the account entirely from all credit reports. 

Their continued negative reporting without legal documentation is a clear violation of the FCRA, and it is causing significant harm to my financial standing. 

XXXX XXXX : Wells Fargo Auto ( WFBNA ) P.O. XXXX XXXX XXXX, TX XXXX Account Number : XXXXXXXX XXXX XXXX Requested Resolution : I request the CFPB to investigate this matter and require WFBNA to remove the late payments or the entire account from my credit reports if they can not validate that I was properly notified in accordance with federal law.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I verbally agreed to a debt settlement payment of {$190.00} with [ Collection Agency Name ]. However, they charged my bank account {$500.00}, which is more than the agreed amount.

I recorded the phone call where the agencys representative confirmed the {$190.00} agreement and acknowledged the overcharge, stating that a refund would be issued. Despite multiple requests, the agency has refused to provide any written documentation confirming the settlement or the refund. 

Because they wont provide documentation, my bank denied my dispute claim for the overcharge. I have tried contacting the collection agency multiple times asking for written proof, but they have refused or ignored my requests. 

I am requesting CFPB assistance to require the agency to provide written confirmation of the settlement and refund, and to ensure the unauthorized overcharge is returned to me.

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 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo Auto is reporting late payments on a fully paid and closed account without proper prior notice Complaint Description : I am submitting this complaint against Wells Fargo Auto ( WFBNA ) regarding an auto loan account that was fully paid and closed, yet they continue to report 11 late payments to the credit bureaus ( TransUnion and Experian ). These late payments are severely affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA ), I requested the following documentation from WFBNA : 1. Copies of all written notices sent prior to reporting any late payments.

2. Exact dates these notices were sent.

3. Verifiable proof that I received such notices in advance.

To date, WFBNA has failed to provide this evidence. Therefore, I am requesting : The removal of all late payments from the credit bureaus. 
If they can not verify proper notice, the deletion of the account entirely from all credit reports. 

Their continued negative reporting without legal documentation is a clear violation of the FCRA, and it is causing significant harm to my financial standing.

Creditor/Company Name : Wells Fargo Auto ( WFBNA ) P.O. XXXX XXXX XXXX, TX XXXX Account Number : XXXX * * Requested Resolution : I request the CFPB to investigate this matter and require WFBNA to remove the late payments or the entire account from my credit reports if they can not validate that I was properly notified in accordance with federal law.

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 2025-06-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-26 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off 4 credit cards. I did not close them. I paid right at XXXX grand and my credit score dropped almost XXXX points. I can not get anyone to answer at Transunion or Equafax. I dont have time to sit on hold. There is reason a person 's score should drop when paying off debt especially when the cards were not ever late nor did I close them. I have been trying to buy or rent a house and now my scores are in the high XXXX dropping from the mid XXXX. So these places are affecting my life. I now cant buy a house and most places will not rent with a score below XXXX. This should be against the law. Its sad a credit bureau or anyone can put anything on your credit file but it takes an act of XXXX to get incorrect information removed

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 2025-06-26 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This account is inaccurate because the creditor is wrong for this item, this is a violation according to 15 U.S. Code? 1692e False or misleading representations Account Number XXXX SANTANDER CONSUMER USA Is not the current owner because they sold the account, i sent validation of debt and they sold the account and continue reporting in my credit. 

I attached the prove that they sold the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: 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 one 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 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