vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
Im extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today. I thought it might just be a browser glitch, but after refreshing, theyre still there. This issue needs to be addressed right away, and I demand that the documents Ive submitted be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MOHELA
State: FL

Complaint narrative:
I

am formally filing a complaint withMOHELA/DOFED data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 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: 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  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation DearNathan & Nathan , P. C I am writing to request validation of the debt that you claim I owe, as provided for under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I received a notice regarding this debt on XX/XX/year>, and I would like to obtain more information about it. 

Please provide me with the following details : 1. * * The amount of the debt * * Please provide a detailed breakdown of the amount owed.

2. * * The name of the original creditor * * I need confirmation of who the original creditor was for this debt.

3. * * Documented evidence of my responsibility for the debt * * Including any contracts or agreements that indicate my liability.

4. * * Verification that you are authorized to collect this debt * * Please send documentation proving your authority to collect debts on behalf of the creditor.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX -- - RE : Demand for Removal of Personal Data and Deletion of Negative Information To Whom It May Concern, I am formally demanding, under the authority of federal law, that your agency immediately remove all personal information and any negative or inaccurate items you are reporting about me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to : 15 U.S.C. 1681e ( b ) Maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) Conduct a prompt reinvestigation of any disputed information and delete or correct items found to be inaccurate or unverifiable.

15 U.S.C. 1681c ( a ) Refrain from reporting obsolete information beyond the permissible time limits set by law.

I dispute the accuracy, completeness, and legitimacy of any and all negative entries on my credit file, and I demand that these be removed immediately. Further, I hereby revoke any and all authorization for you to collect, store,
maintain, or disseminate my personal information under the provisions of 15 U.S.C. 1681b, as you no longer have my consent to furnish my data to third parties without permissible purpose.

You have 30 days from receipt of this notice to : 1. Delete all negative and inaccurate entries in my file.

2. Cease reporting my personal data to any entity without a verifiable permissible purpose as defined under the FCRA.

3. Provide me with a free updated copy of my credit file reflecting these deletions, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of all available legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

This is a formal notice under the FCRA, and you are hereby instructed to conduct the required investigation and act accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: OH

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 XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My wifes XXXX  app account was hacked on XX/XX/year>. Her debit card was stored in there. Someone made multiple pickup purchases to multiple stores, 4 orders total, in the $ XXXX range, using her debit card. Then the thief would go to the store and obtain a refund in form of a gift card, XXXX  did not check ID to see it wasnt me nor did they refund the money back to the debit card that was stolen. They blindly issued a gift card refund to an unknown. We canceled our debit cards and reported to the bank, Santander. They gave us a provisional credit but are now taking the money back because XXXX  told them they issued a refund, BUT NOT TO ME!! Ive been calling endlessly the last 2 days, XXXX  and Santander. The bank said their determination is final and they wont reopen the case. XXXX said they can not help and their app and refund process is secure but it is a lie!! The bank has already took {$190.00} from us and will take 2 more orders over {$200.00}. I told my local police but doubt they can help. I have a XXXX XXXX  old child and dependent wife. I need to work and I need this money back. PLEASE help! I have no money, no power, no voice and I am out of options. Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these damaging entries continue to appear without justification. As a victim of identity theft, I want to emphasize that I never authorized or consented to any association of this fraudulent information with my personal credit profile. The continued presence of these illegitimate items has caused severe disruption to my life, creating overwhelming stress and anxiety while preventing me from accessing credit and financial opportunities that should rightfully be available 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 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these damaging entries continue to appear without justification. As a victim of identity theft, I want to emphasize that I never authorized or consented to any association of this fraudulent information with my personal credit profile. The continued presence of these illegitimate items has caused severe disruption to my life, creating overwhelming stress and anxiety while preventing me from accessing credit and financial opportunities that should rightfully be available 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 2025-08-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Some time in mid XXXX, I was switched from a personal account to a business account at XXXX XXXX. There was apparently an amount of {$100.00} still owed on the personal account. Instead of coming to me and collecting while I am still using their services, and have an active account, that even at this time is paid up, they have instead sent this information to Transworld Systems Inc. to be collected, which I just found out about on the XXXX of XXXX, XXXX. As far as I can tell, no phone call, email, or snail mail has ever been sent to me regarding this amount. 

XXXX is making no good attempt to resolve this, when my account was switched from personal to business it messed up their systems to the point where they claim they can not help me because I can not access that account via their software, and have been unable to since the switch. Everyone that seems to have the ability to help me, I have no contact information for, and their automated system makes it incredibly difficult to get a person at all, let alone one in the right department. 

Transworld System Inc. has also been informed of this dispute, and advised to no longer contact me as of XX/XX/XXXX when I called them. They have just sent me additional contact.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Demand for Deletion of Inaccurate Charge-Offs under 15 U.S.C. 1681e ( b ) and 1681i To Whom It May Concern : This letter is a formal, aggressive demand for the immediate deletion of one or more charge-off entries appearing on my credit report, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

The following account ( s ) are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> VIOLATION OF 15 U.S.C. 1681e ( b ) The FCRA requires you to maintain and report only accurate, complete, and verifiable information. However, these charge-off entries are inaccurate and misleading for the following reasons : 1. The balance, status, or dates are not updated or consistent with creditor records.

2. The account is reported as both charged off and past due monthlythis is double derogatory reporting, which is misleading and unfair.

3. The original creditor has not verified this data through reasonable procedures required by law.

Your continued reporting of this negative entry without verifying its accuracy is a direct violation of your obligations under 1681e ( b ).

VIOLATION OF 15 U.S.C. 1681i Furthermore, under 1681i, once a dispute is submitted, the credit bureau must conduct a reasonable reinvestigation and delete any information that can not be verified within the 30-day window. If you can not fully verify every detail of this accountincluding original documents and statements from the furnisheryou are required by law to DELETE IT.

I am demanding : A full reinvestigation of the above-referenced account ( s ) ; A written statement of the method of verification used; Immediate deletion of all unverifiable or inaccurate charge-off data ; A new copy of my credit report reflecting these changes.

Failure to comply will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing all legal remedies available to me under federal and state law. I am keeping meticulous records of this dispute for use in any litigation or regulatory action that may follow.

You have 30 days from the date of receipt of this letter to respond and correct these violations. No response or failure to delete will be seen as willful noncompliance.

Sincerely, 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