vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Two issues : 1. Nelnet has not done my forgiveness adjustment, they should have done it back in XXXX according to the government. I need that information to make decisions because my loans will accumulate interest soon. My former servicer had more qualifying payments recorded which is off to my detriment. 

XXXX. Without knowing how long I have to be forgiven, I would like to pay off the loans. The problem is that they will not compromise with me unless it is in default, where they profit from selling the file to the XXXX XXXX XXXX XXXX  will compromise with me but by the time they get the file it will take well over a year and I will not be able to afford the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I initiated XXXX wire transfers from my Wells Fargo checking account to my XXXX XXXX XXXX  account on XX/XX/XXXX for $ XXXX and on XX/XX/XXXX for $ XXXX. Upon noticing that neither transfer was received by my XXXX XXXX account, I contacted Wells Fargo and asked them to recall both wire transfers and open a case to rectify the situation. I also called XXXX XXXX and explained the situation, I was told that Wells Fargo needed to initiated a recall and they confirmed that their bank would comply when the requests were received. I was initially told by Wells Fargo that the funds were being recalled and that I would be updated on the situation moving forward. I called in on XX/XX/XXXX and XX/XX/XXXX to check on the status of the wire recalls and was told they were active and still outstanding and may take an additional 30 days to process. I followed back up on XX/XX/XXXX and was told that the case they had created for the issue was closed and that there were no wire recalls created nor outstanding. I was given no notice or update related to the case before it was closed and had been told the wires would be recalled and that they would give me notice when there was any update available. I am now concerned that Wells Fargo never initiated the recalls, as I was told, and that the total $ XXXX in wired funds will never be refunded/returned to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: LA

Complaint narrative:
Back in XXXX or XXXX of this year, I received an email from Phillips & Cohen Associates, Ltd about my late mother 's auto loan. I replied to the email stating that I don't have anything to do with this debt and do not contact me again. In XXXX, I received a letter from the same collection agency dated XX/XX/year>, requesting a payment on this debt from my mother 's auto loan. Again, I informed them that this debt has nothing to do with me, and I'm not paying it and do not contact me again. In late XXXX early XXXX, a Phillips & Cohen Associates , Ltd. called me wanting me to make a payment. I told them again that this debt does not belong to me, I'm not paying it, and do not contact me again. So far, I have not heard from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 have reviewed my credit report and found an account listed that I did not apply for or sign any agreement to establish. I believe this is a fraudulent or mistakenly reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I did not initiate or approve these accounts. They are fraudulent in nature and should be eliminated from my credit file within 15 days, pursuant to USC 1681g. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized accounts opened in my name, totaling approximately {$45000.00} in fraudulent charges. These accounts appear on credit reports from both XXXX XXXX XXXX 

In addition, my credit report lists multiple addresses located in XXXX state in which I have never lived or had any association. I also noticed that the year of my birth is incorrect on the report. 

Based on my review, the fraudulent accounts were allegedly opened while I was still in high school, which confirms that I could not have legally or knowingly authorized these accounts. I have never granted anyone permission to use my personal identifying information and deny any knowledge of, or involvement with, these accounts. 

On XX/XX/XXXX, I filed a police report regarding this identity theft and am actively working to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To Whom It XXXX Concern, I am filing a formal complaint against NCB XXXX XXXX for inaccurate credit reporting and possible violations of the Fair Credit Reporting Act ( FCRA ). 
NCB XXXX XXXX is reporting account XXXX XXXXXXXX on my credit reports ( XXXX XXXX XXXX XXXX ). They have falsely listed themselves as the original creditor, which is inaccurate. The true original creditor is XXXX XXXX  XXXX XXXX XXXX, and NCB is a XXXX debt buyer. 
Misrepresenting their role in the account violates the FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate information. I have already disputed this with the credit bureaus, and the false reporting remains. 
I am requesting the CFPB to : XXXX. Investigate NCB XXXX XXXX for furnishing inaccurate credit data. 
XXXX. Require them to correct their reporting and XXXX XXXX XXXX  XXXX XXXX XXXX as the original creditor. 
XXXX. Take appropriate enforcement actions if they continue to misrepresent account ownership. 
Attached are screenshots from my credit reports showing the discrepancy. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
45 days ago, i sent a demand letter asking for chain of title, validation of debt and to delete all inaccurate accounts, have not got a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
45 days ago, i sent a demand letter asking for chain of title, validation of debt and to delete all inaccurate accounts, have not got a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 am writing to bring to your attention several hard inquiries listed on my credit report that I did not initiate or approve. I have no recollection of applying for any credit that would justify these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IA

Complaint narrative:
Metro 2 Compliance & FCRA Dispute Letter To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Metro 2 Compliance Demand for Removal of Inaccurate Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} ) Dear Equifax , This letter serves as a formal dispute and demand for immediate deletion of a collection account reported by XXXX XXXX XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX XXXX This collection, assigned on XX/XX/XXXX, and reported as of XX/XX/XXXX, claims a balance of {$2100.00}. 

Upon review, this account is in violation of Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ) : 1. Incomplete Reporting Missing critical elements such as full account number, last payment date, and full contact details for the original creditor. Metro 2 requires all fields to be fully and accurately completed.

2. Stale Debt The date of first delinquency is listed as XX/XX/XXXX. If this account is outside the statute of limitations or reporting window, continued reporting is a violation of FCRA 605 ( a ).

3. Failure to Verify You are reporting this account without providing documentation showing a legal obligation to pay, which violates FCRA 611 ( 15 U.S.C. 1681i ).

4. Improper Dispute Handling Despite my prior disputes, this item remains with only a Consumer disputes remark, rather than being removed. This is not in compliance with your duty to ensure maximum possible accuracy under FCRA 607 ( b ).

Demand for Immediate Action : - DELETE this account from my credit file immediately. 
- Provide me all documentation used to verify this entry, including original contracts and billing history. 
- Provide me a new, updated credit report with this account fully removed. 

If you fail to comply within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate a lawsuit for willful noncompliance under FCRA 616 and 617. 

You are now on notice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS LLC Dispute Regarding Unauthorized Reporting of Information Dear JEFFERSON CAPITAL SYSTEMS LLC I am writing to formally dispute the accuracy of certain information on my credit report. According to the Fair Credi Reporting Act ( 15 USC 1681 ), consumer have the right to dispute information that they believe to be inaccurate or incomplete. 

Upon reviewing my credit report, I have identified entries that I did not authorize nor provide written consent for the furnishing of my personal information. To the best of my knowledge, I have not granted permission for any entity to obtain or report my information to your bureau.

Under 15 USC 1681b, consumer reporting agencies may furnish consumer reports only for permissible purposes, typically related to credit transactions, employment, or other specific authorizations. I assert that I have not authorized any of the entities associated with the reported information to report or furnish my data.

Therefore, I request that you : 1. Conduct a thorough investigation into this matter.

2. Provide evidence of any written co
nsent I provided, which allowed for the furnishing of my information.

3. Remove any entries from my credit report that do not conform to the requirements set forth in the Fair Credit Reporting Act.

Please address these concerns within 30 days of receiving this letter, as required by law. I appreciate your prompt attention to Thank you for your cooperation. 
Sincerely, XXXX XXXX ( Social Security Number availabile upon request for identity verification )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This letter is a formal dispute of an account on my credit report that I believe was fraudulently opened as a result of identity theft. I have already submitted an identity theft affidavit and police report for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a XXXX XXXX  and I couldnt make a payment for almost two year of going back and forth to the hospital with my back and they want they want me to pay almost {$30.00} XXXX for those year or they will put my house on foreclosure if I dont make that payments or they will sell my loan to another company or foreclosure my house and I have tried everything to keep my house so I would like to know if I can get 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
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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