vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target Credit XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Formal Dispute and Request for Immediate Correction of Inaccurate Credit Reporting Account Identification Number : XXXX To Whom It May Concern, I am submitting this formal dispute to Target Credit XXXX  XXXX in conjunction with a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) previously regarding inaccurate and damaging credit reporting tied to my account. 

On XX/XX/XXXX, I initiated a payment in the amount of {$220.00} from my XXXX XXXX XXXX Account ending in XXXX toward my Target credit XXXX. This account was active, well-funded, and in good standing at the time of the transaction. A formal letter from XXXX is attached, confirming that the payment was made and that the failure to post the transaction resulted from a processing error on the banking network side, not from any action or error on my part. 

Despite my timely effort to satisfy my account, Target Credit XXXX  XXXX reported a late payment for XX/XX/XXXX, which remains on my credit report and continues to negatively affect my credit standing. 

Additionally, I was inaccurately reported as late in XX/XX/XXXX. Although this reporting was later corrected, it resulted in a credit score drop of over XXXX points, which has not been restored. This unjustified damage has interfered with my ability to secure a mortgage loan, despite maintaining a responsible credit history across multiple accounts. 

Importantly, I have since paid off the entire balance of this credit card as of XX/XX/XXXX, reaffirming my financial responsibility and good faith effort to maintain my account in excellent standing. This is truly hurting my credit and I am unable to finalize the purchase of my new home because of this error. 

Accordingly, I respectfully request the following corrective actions : The immediate removal of the late payment entry for XX/XX/XXXX from all credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates the reporting of only accurate and verifiable data A full internal review of my account and written confirmation that no other derogatory information remains associated with it Notification to XXXX XXXX XXXX XXXX reflecting updated and accurate account status. 

I would also like to note that Target Credit XXXX  XXXX has faced similar complaints in the past regarding late payment reporting and account handling issues, as documented in CFPB complaint data. These patterns suggest a need for systemic review and accountability. 

Please consider this a formal dispute under federal law and respond within the FCRAs 30-day dispute resolution timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to open a checking account with Wells Fargo Bank, but i was informed that I have already opened an account in the past, that has left the fraudulent account in debt. This was done without my knowledge, permission, but using my identity and information. I was not informed of the dates, amounts, and actions, so I do not know how to get this information. I have filed a complaint with the Federal Trade Commission, and I have attached my FTC ID Theft Report from the Federal Trade Commission.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson capital llc is saying that I owe them XXXX as of XXXX XXXX. I was locked up in federal prison at the time and have no knowledge of the debt. I was locked up in federal prison from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
XXXX XXXX inaccurately reported a late payment for XX/XX/2023 on my credit report. The account was not delinquent, and no valid documentation or prior notice of any balance due was ever provided. Despite my formal dispute, the error remains uncorrected, causing harm to my credit. I am requesting the immediate removal of this false 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 2025-07-06 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Dear Midland Credit Management, Thank you for your response. However, your letter fails to meet the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA regarding full validation and accurate reporting of the alleged debt. 
1. Validation of Debt : You referenced a validation notice allegedly mailed in 2019. I never received this notice, and under 15 U.S.C. 1692g, you are required to provide detailed validation, not just a summary. Please provide : A full itemized accounting of the debt ( charges, interest, fees, payments, etc. ) A copy of the original signed contract or agreement Chain of custody from the original creditor to Midland Credit, including purchase documentation Proof this account was not previously paid, settled, or discharged 2. Statute of Limitations : You acknowledged the statute of limitations has expired. This confirms that litigation is no longer a valid recourse, and under many state laws, continuing to collect or report on such debt may be considered unfair or deceptive under FDCPA and FCRA.

Any attempt to pressure or deceive consumers into payment on time-barred debts may also constitute a violation of state consumer protection laws.

3. Credit Reporting & FCRA Dispute : I dispute the accuracy and completeness of this tradeline as reported to the credit bureaus. You are required to mark this account as disputed by consumer on all future credit bureau reports under FCRA 623 ( a ) ( 3 ). 

Furthermore, if you can not provide proper documentation within 15 days, I am requesting that you : Cease collection activity, Delete this tradeline from all credit reporting agencies, And provide written confirmation. 

I reserve all rights under federal and state law, and I do not waive any claims or defenses. This communication does not constitute an acknowledgment of liability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: CO

Complaint narrative:
I DID NOT AUTHORIZE OR OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CO

Complaint narrative:
I DID NOT AUTHORIZE OR OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-06 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a mortgage or refinance account currently listed under my name that appears on my credit report. I did not authorize, co-sign, or participate in the refinance of this loan. I had no knowledge of a new mortgage or refinance with Nationstar/Mr. Cooper until XX/XX/2025. On XX/XX/2025 I sent out a dispute letter to the mortgage company as well as disputing with 3 major credit bureaus ( XXXX XXXX & XXXX  ). I received notices back from all 3 credit bureaus stating that the information was correct. But I can reassure you it is not because I had no knowledge of anyone especially my co-borrower ( who is on title as well ) about refinancing. I also never signed any paperwork from the mortgage company or spoken to the mortgage company about interest for a new mortgage/refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-06 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: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
This letter serves as an official * * Cease and Desist Notice * * regarding your continued and unauthorized sharing of my personal information with consumer reporting agencies.

I previously sent a written revocation of any consent to furnish or verify my personal information to XXXX, XXXX, or any third party. Despite this, you continue to verify and supply data regarding a * * repossession account * * that was previously deleted an act that is * * illegal * * under multiple federal and state laws. 

# # # You are in violation of : - * * FCRA 604 ( a ) ( 2 ) : * * No permissible purpose exists to share or verify this data.

- * * GLBA 6802 : * * You are unlawfully sharing personal data without authorization.

- * * FCRA 1681s-2 ( b ) : * * You failed to properly investigate and cease reporting after disputes.

- * * Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ) : * * Your continued reporting is a deceptive business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Westlake Services, LLC
State: SC

Complaint narrative:
I am requesting the assignment contract from WESTLAKE PORTFOLIO MANAGEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/ information reporting to my credit report. These findings have been detrimental to my life and my credit health.

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 2025-07-06 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/ information reporting to my credit report. These findings have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: MOHELA
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Ohio XXXXDate: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXnSubject: Notice of Dispute and Request for Late Payment Removal\n\nDear American Express,\n\nI hope this letter finds you well. I am writing to formally dispute the reporting of late payments associated with the account listed below. I believe these late payments to be inaccurate and unjust, and I respectfully request their removal in accordance with the Fair Credit Reporting Act (FCRA) and any other applicable consumer protection laws.\n\nAccount Information:\nAccount Number: XXXX XXXX XXXX XXXX\nDates of Late Payments: XXXX XXXX XXXX XXXX XXXX XXXXThese reported late payments have had a significant negative impact on my credit profile and have caused considerable financial and emotional distress. I value the importance of maintaining accurate and fair credit reporting and am committed to resolving this matter appropriately.\n\nFor your review and reference, I have attached a copy of my credit report highlighting the disputed late payments as evidence.\n\nPlease investigate this dispute and provide confirmation of the outcome. If these late payments are found to be unverifiable or inaccurate, I kindly request that they be removed from all reporting to the credit bureaus.\n\nThank you for your time and attention to this matter. I look forward to your prompt response.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Demand for Immediate Removal of Unauthorized Hard Inquiries \nTo Whom It May Concern, \nI am writing to dispute unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act (FCRA)  604, a company must have permissible purpose before pulling my credit. I did not authorize the following inquiries, and I demand their immediate removalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSince I did not provide written consent for these inquiries, they are a violation of my rights. If you do not remove these inquiries within 24 hours, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office. \nI request an immediate investigation and demand written confirmation of the removal. Failure to comply will force me to explore legal action under the FCRA. \nPlease respond in writing to confirm the removal of these unauthorized inquiries within 24 hours. I expect your prompt attention to this matter. \nSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Demand for Immediate Removal of Unauthorized Hard Inquiries \nTo Whom It May Concern, \nI am writing to dispute unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act (FCRA)  604, a company must have permissible purpose before pulling my credit. I did not authorize the following inquiries, and I demand their immediate removalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSince I did not provide written consent for these inquiries, they are a violation of my rights. If you do not remove these inquiries within 24 hours, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office. \nI request an immediate investigation and demand written confirmation of the removal. Failure to comply will force me to explore legal action under the FCRA. \nPlease respond in writing to confirm the removal of these unauthorized inquiries within 24 hours. I expect your prompt attention to this matter. \nSincerely, 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