vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: WI

Complaint narrative:
I recently I pulled my credit reports and found my XXXX XXXX XXXX loan showing up three different ways across TransUnion, Experian, and Equifaxwith mismatched last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and varying comments about sale/chargeoff. I sent dispute letters under the FCRA to each bureau asking them to investigate and delete the account if they couldnt verify every detail, but none have corrected the errors within 30 days. XXXX asking CFPB to help get these inaccurate tradelines removed, as it is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.

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 2025-07-01 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: IL

Complaint narrative:
A student loan account is being reported on my credit file without my knowledge, authorization, or written consent. This is a direct violation of FERPA ( Family Educational Rights and Privacy Act ), which prohibits the disclosure of education recordsincluding student loan informationwithout the explicit written consent of the student. At no point did I authorize any lender, servicer, or credit bureau to access or share my education-related information.

Furthermore, under FCRA ( Fair Credit Reporting Act ) Section 605B ( 15 U.S.C. 1681c2 ), I have the right to block any information resulting from identity theft. I have already submitted a formal dispute and attached FTC documentation, yet the account continues to be reported without proper reinvestigation or removal.

This tradeline is not only unauthorized but also unverifiable. No credit bureau or furnisher has provided valid proof of consent, a promissory note, or any legal documentation establishing my responsibility for this debt. Continued reporting without proper validation violates FCRA Sections 1681n and 1681s-2, exposing these entities to civil and potentially criminal liability.

This unlawful reporting has damaged my credit score, impacted my financial opportunities, and caused severe emotional and XXXXl distress. It also calls into question the integrity of how consumer data is handled following the XXXX XXXX XXXX data breaches, which placed my personal information at risk.

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 2025-07-01 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX XXXX XXXX Account information : XXXX To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

The IRS states a charge off account must be reported on taxes and is ordinary income and ordinary income can not be reported on my credit report. Remove this account due to inaccurate reporting. Please provide 1099-c 15 U.S. C 1681S-2 responsibilities of furnishers of information ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof, you must delete these accounts listed above. 

Please confirm whether IRS Form 1099-C was filed in relation to this account. If so, provide a copy. If not, clarify the tax treatment and status of this debt and why it is still being reported as due or delinquent.

If the account was charged off and Wells Fargo does not intend to collect or has not attempted collection for over 36 months, the IRS requires that a 1099-C be filed. If one wasnt, I reserve the right to file IRS Form 3949-A to report tax evasion, and to challenge this trade line as inaccurately reported under FCRA.

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 2025-07-01 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following item ( s ) currently listed on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and Regulation V ( 12 CFR 1022.43 ). Grounds for Dispute : 1. FCRA 1681i ( a ) ( 1 ) ( A ) requires that any item disputed by a consumer be reinvestigated within 30 days. No such investigation has been evidenced or completed, and no results have been communicated to me.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known to be inaccurate. This item continues to be reported despite my prior notice disputing its validity. 
3. I have previously submitted documentation, including : - An FTC Identity Theft Report ( ref. no : XXXX ) - Supporting utility bills as proof of identity. 

Despite this, your office has failed to correct or delete this item, in violation of federal obligations. This is consistent with other CFPB complaints ( e.g., Complaint IDs XXXX and XXXX ) which resulted in non-monetary relief due to similar reporting failures. 

Requested Actions : Pursuant to my rights under the FCRA and Regulation V, I demand the following : - An immediate reinvestigation of the information disputed ; - Written confirmation of the results of the reinvestigation ; - Removal or correction of the inaccurate items if not verifiable ; - Written notice to all other credit reporting agencies that received the information ; - Full compliance within 30 calendar days.

If these actions are not completed within the required time frame, I will pursue additional remedies including, but not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; - Initiating civil litigation for damages under FCRA 1681n and 1681o ; - Seeking non-monetary and monetary relief including legal fees.

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 2025-07-01 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: MO

Complaint narrative:
I havent had possession of the vehicle on the account since XXXX. The company in question is aware of this and has fixed this issue with Equifax and XXXX  several times when I submit a complaint. But the moment the complaint is closed XXXX XXXX will reopen the account and submit that Ive made payments on the account with recent missed payments which constantly bring my drop my credit score from XXXX to a low XXXX which is becoming a real problem in my everyday life. The account was charged off in XXXX  they shouldnt be a reason the company is reporting I made payments this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I havent had possession of the vehicle on the account since XXXX. The company in question is aware of this and has fixed this issue with XXXX  and TransUnion several times when I submit a complaint. But the moment the complaint is closed XXXX XXXX will reopen the account and submit that Ive made payments on the account with recent missed payments which constantly bring my drop my credit score from XXXX to a low XXXX which is becoming a real problem in my everyday life. The account was charged off in XXXX  they shouldnt be a reason the company is reporting I made payments this year.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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: DE

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered a collection account on my credit report that I believe to be inaccurate or misattributed. I have reviewed my financial history and do not see any reason why this account should be associated with 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 2025-07-01 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: MD

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately XXXX XXXX of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding a collection account that has been reported on my credit file in error. I have reviewed my records and can confirm that I do not owe this debt, nor was I ever notified about it prior to it appearing on my 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 non-monetary relief
Consumer complaint received 2025-07-01 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am writing to formally dispute a charge and credit reporting issue stemming from the lease return of my XXXX XXXX XXXX. 

I returned the vehicle to the dealership two days before the lease end date in XX/XX/XXXX, and I have documentation confirming the return, including a signed disclosure statement. Unfortunately, the dealership manager failed to submit the return paperwork to XXXX XXXX XXXX in a timely manner. As a result, I received a letter stating I owed over {$1200.00} for what was claimed to be a failure to return the vehicle. 

I have contacted XXXX XXXX XXXX  multiple times to clarify the situation. During these conversations, I explained that I did, in fact, return the car and provided photo evidence of the signed return documents. I also made it clear that I am willing to pay the disposition fee, but I should not be held financially responsible for a vehicle I no longer possessed and did not use.

Despite my efforts to resolve this issue, the account was sent to collections, and my credit score dropped over XXXX points, severely impacting my credit standing. This is particularly devastating because I have always paid my bills on time and previously maintained a credit score above XXXX. 

I do not believe it is fair that I should suffer the consequences of a dealerships internal error. I have visited the dealership in person and reached out to XXXX XXXX XXXX  on multiple occasions, yet the matter remains unresolved.

Company response to consumer: Closed with explanation