vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: PA

Complaint narrative:
It was on XX/XX/XXXX going into the XXXX I believe. I had XXXX dollars taken out of my account and it said administrative debit. I called and asked about it and the first lady said that it must've come from my phone bill etc. Just making stuff up and didn't take me seriously when I said that I'd escalate it, very unprofessional and childish which extends to the management as well. I called a few times after that everyday trying to get it resolved, I'd call someone and they'd transfer me to a manager and then hang up on me. The couple of times that I was able to keep someone on the line they told me that the payment came from XXXX which it didn't. I had a 3 way call with XXXX and the bank and the XXXX told them that they took the money out of my account on XX/XX/XXXX and it had declined so they tried again on XX/XX/XXXX or the XXXX and it went through then. The gentleman said that XXXX doesn't operate like that and they don't go poking into people 's accounts and when I do make payments, I have to approve them before they take the money out of my account. If it's ever declined, they don't wait for the money to hit my account before trying again, they text and ask when I'll be able to make the payment. I've explained that to Wisely and XXXX multiple times but it seems like they've either hired a bunch of incompetents, or they know what they did and are trying to hide it. I just spoke with a lady this evening XX/XX/XXXX to see if I can get this resolved one last time and she tried to say that the money was transferred to a new card that I had recently activated which was a different story that I had been told previously. I don't understand what's really going on or why it's so hard to get my money back or why a well known bank would take my money like that in the first place.

I had complained before about adp and a man called me saying that he could give me the money back but I didn't realize that he meant that he'd be taking money from Prestige that I actually owed them and credit it to me, I didn't know that such a thing was possible. So when it happened XXXX called me and said that still owed them XXXX dollars. This entire thing is very frustrating and I want to get it resolved. Attached is the proof that XXXX didn't take any money out of my account on XX/XX/XXXX which means the XXXX dollars taken in XXXX was stolen from me by a bank that I've had for more than 5 years. Makes me wonder if they've done anything like this prior and I just catch it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
I am disputing multiple MOHELA accounts appearing on my XXXX  credit report as 120+ days delinquent. I never received any notices, billing statements, or opportunity to enroll in alternative repayment or forbearance programs. 
My information was exposed in the XXXX XXXX  data breach, and I believe these accounts may have been opened or misreported as a result of unauthorized use or errors stemming from that breach XXXX XXXX consumerfinance.gov XXXX XXXX 
Furthermore, a Senate investigation found that MOHELA failed to properly notify credit bureaus during loan transfers, resulting in duplicate or incorrect tradelines reported from XX/XX/XXXX to XX/XX/XXXX an error impacting nearly two million borrowers. 
I dispute the accuracy of these accounts and request a full investigation and removal, as they are unverifiable, potentially fraudulent, and in violation of the FCRA. I have provided my credit report, and I ask that these tradelines be corrected or deleted immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XX/XX/XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i.

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX TransUnion, experienced & equifax I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide.

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

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 non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Method of Verification and Ongoing Reporting of Inaccurate Information Email : XXXX I, XXXX XXXX XXXX, am filing this formal complaint against a consumer reporting agency due to its failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ). Despite prior disputes submitted by me, inaccurate and unverifiable information continues to appear on my credit report. The agency has also failed to provide the method of verification required under 15 U.S.C. 1681i ( 7 ).

I am exercising my right to a full description of the reinvestigation procedures, including the names and contact information of any furnishers contacted, and any documentation used during the investigation.

Disputed and Inaccurate Items : Incorrect Personal Information : Former Name : XXXX XXXX Also Known As : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Employers : XXXX XXXX XXXX  Employers : XXXXXXXX XXXX Unauthorized or Unverifiable Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were not authorized by me and should be removed immediately in accordance with FCRA.

Information Requested Under FCRA : I am requesting the following documentation and procedural details under 15 U.S.C. 1681i ( 7 ) and 15 U.S.C. 1681e ( b ) : The name, address, and telephone number of each furnisher contacted.

The name and role of the individual ( s ) who verified the items.

All documentation relied upon to validate the disputed information.

A detailed explanation of the procedures used to ensure the accuracy of each item.

Violations Cited : 15 U.S.C. 1681i ( 7 ) : Failure to provide method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681n / 1681o : Civil liability for willful or negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: TX

Complaint narrative:
I tried to login to my XXXX XXXX account at XXXX XX/XX/year>. It said can not verify account call their customer service phone number. I did that. I was never answered after an hour waiting. I tried again. I hung up after XXXX minutes. I have no access to my account online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-27 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 hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 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:
Subject : Request for Immediate Deletion of Repossession Account from Equifax Inaccurate, Unverifiable, and Inconsistent Reporting XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am filing this complaint because Equifax is continuing to report a repossession account on my credit report that has already been removed from both Experian and TransUnion due to its inaccuracies, unverifiability, and failure to meet compliance standards under federal law. 

The account in question is : Creditor Name : XXXXXXXX XXXX XXXX Account Number XXXX Equifax Reported Status : Repossession / Charged Off Balance : XXXX Date Opened : XX/XX/XXXX Issues with This Account : 1. This account has already been deleted from my Experian and TransUnion reports as a result of prior disputes for inaccuracy and unverifiability.

2. The reported balance is inaccurate and does not match internal records nor what was reported to the other two bureaus.

3. No original documentation bearing my live signature or any validation of the debt has been provided in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Violations of Federal Law : FCRA 1681i Requires Equifax to conduct a reasonable reinvestigation when a consumer disputes any item, and delete it if the information can not be verified or is inaccurate. 
FCRA 1681e ( b ) Requires Equifax to maintain maximum possible accuracy of the information it reports. If the account was inaccurate enough to be removed by Experian and TransUnion, then Equifaxs continued reporting is a direct violation.

FCRA 1681c ( a ) Limits the length of time derogatory information may be reported ( usually 7 years from the date of first delinquency ).

FCRA 1681s-2 ( b ) Once disputed, the furnisher ( original creditor ) must conduct an investigation, correct or delete any inaccuracies, and inform all bureaus. That clearly did not happen here. 



I am requesting : Permanent deletion of this account from my Equifax report to match Experian and TransUnion.

A copy of the method of verification used by Equifax, including any documentation provided by the creditor bearing my live signature.

A written confirmation that this account will not be reinserted into my file unless fully revalidated under FCRA 1681i ( a ) ( 5 ) ( B ).

I have attached my government-issued ID, proof of address, and the relevant pages of my credit report from all three bureaus showing that this account no longer appears on Experian or TransUnion.

Please treat this as a formal complaint and resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX  who gets XXXX XXXX XXXX shows all over the US. A person by the name of XXXX XXXX reached out to my XXXX  email and contacted me for a XXXX  in XXXX for a companys annual outing. The company is called XXXX. Everything we emailed about was pretty straight forward, and I even signed a contract. Just like any other booking Ive had in the past. When it came time for payment, they sent me an E check and asked me to deposit it to my Wells Fargo account and I did. About 5 mins after I deposited the check, they then asked me to send a portion of the money back to them. I realized at that point it was a scam but it was too late, the check was already on hold and Wells Fargo then notified me they were closing my accounts. The check amount was for XXXX, it was supposed to cover, flight, hotel and my XXXX fee.

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 2025-06-27 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: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I have filed disputes with XXXX XXXX and XXXX  and they have both said that the information is accurate. There are two different Department of Education Loans on my credit report one for {$3500.00} and one for {$1800.00}. I have not ever taken out a loan for education, and I am no longer in college.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
This is my final attempt to discuss this debit. 

This account is a direct violation of the * * No Surprises Act * * and must be * * immediately deleted * *. It involves unlawful medical billing, and I never consented to out-of-network charges as required by federal law. My * * privacy is protected under HIPAA * *, and your continued reporting of this account is unauthorized. If you fail to delete this entry, I will pursue legal action without further notice.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of XXXXXXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting a lengthy amount of days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-06-27 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: MI

Complaint narrative:
as per the guidance of the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  - debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). i kindly request that you block this information my credit report within four business days, pursuant to section 605c of the fair credit reporting act ( FCRA ). I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company information transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation