vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Experian / Equifax / XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting Portfolio XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The account in question is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX 
On XX/XX/year>, this case was dismissed by the XXXX XXXX XXXX XXXX. Enclosed are copies of the official Notice to Appear and the Final Court Order of Dismissal signed by the Magistrate Judge. This dismissal establishes that XXXX XXXX XXXX has no enforceable claim and, therefore, any continued reporting of this account as valid or collectible is factually inaccurate and misleading.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of the information they report. Continuing to publish a dismissed claim as a valid derogatory tradeline violates this standard. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information.

Requested Action : 1. Delete immediately the XXXX XXXX XXXX XXXX XXXX account from my credit file across all reporting databases. 
2. Provide me with written confirmation of this deletion once complete.

Please note that if this inaccurate account is not removed, I will have no choice but to pursue remedies under the FCRA, which include statutory damages, actual damages, attorneys fees, and costs.

Enclosed are copies of the court documents supporting this dismissal for your review.

I expect this matter to be resolved within the 30 days allowed by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Enclosures : XXXX XXXX Court Notice to Appear ( Case XXXX XXXXXXXX ) XXXX XXXX Court Final Dismissal Order

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 2025-08-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-08-23 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I was a victim of identity theft while severing 13 years in XX/XX/XXXX, from XX/XX/XXXX to my release date XX/XX/XXXX. Several accounts, 8 total were open in my name while wasXX/XX/XXXX including Citibank account number : XXXX. Enclosed/ attached are FTC REPORT, PROOF OF INCARCERATION, DRIVER 'S LICENSE ID, SCOIAL SECURITY CARD, IT'S THE FIRST PRISON IDENTIFICATION CARD AND NUMBER, GOVERNMENT RELEASE ID WITH DATE AS PROOF.....

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 2025-08-23 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: WI

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit file. Multiple debt collectors and furnishers are reporting accounts without providing proper validation or supporting documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

Examples include charge-off and collection accounts where no original signed agreements, contracts, or chain of ownership have been produced. These accounts are being reported with inconsistent balances, outdated delinquency dates, and incomplete information. I have formally disputed these items, yet they remain on file without proof of accuracy or legal standing. 

In addition, my credit report contains outdated addresses, phone numbers, and unauthorized hard inquiries that I did not approve. These errors violate FCRA 604 ( a ) and 607 ( b ), which require the reporting of only accurate, verifiable information.

I am requesting that these unverifiable and inaccurate entries be deleted immediately and that my credit file reflect only one current address, one valid phone number, and no unauthorized inquiries. 

The continued reporting of unverifiable debts and outdated personal data is damaging to my credit profile and is in violation of federal law. I request the CFPB to investigate and ensure compliance. Ive sent multiple proofs of my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: WI

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit file. Multiple debt collectors and furnishers are reporting accounts without providing proper validation or supporting documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

Examples include charge-off and collection accounts where no original signed agreements, contracts, or chain of ownership have been produced. These accounts are being reported with inconsistent balances, outdated delinquency dates, and incomplete information. I have formally disputed these items, yet they remain on file without proof of accuracy or legal standing. 

In addition, my credit report contains outdated addresses, phone numbers, and unauthorized hard inquiries that I did not approve. These errors violate FCRA 604 ( a ) and 607 ( b ), which require the reporting of only accurate, verifiable information.

I am requesting that these unverifiable and inaccurate entries be deleted immediately and that my credit file reflect only one current address, one valid phone number, and no unauthorized inquiries. 

The continued reporting of unverifiable debts and outdated personal data is damaging to my credit profile and is in violation of federal law. I request the CFPB to investigate and ensure compliance. Ive sent multiple proofs of my address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: IN

Complaint narrative:
XXXX XXXX Last 4 of my SS XXXX XXXXXXXX Date : XXXX This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against both Wells Fargo Bank and XXXXXXXX XXXX XXXX  ( XXXX XXXX ) regarding an unresolved and mishandled fraud incident that resulted in a {$9800.00} loss from my account on XX/XX/year>. 
The incident began after my Wells Fargo account was compromised. Fraud alerts were disabled, my transfer limits were raised without my authorization, and {$9800.00} was extracted via XXXX XXXX without any verification or notification to me or my husband who is a premium Wells Fargo client on our joint account. 
Multiple Wells Fargo representatives, including the branch manager and fraud department, explicitly assured me in person and by phone that I would be reimbursed and advised me to wait XXXX statement cycles. I returned to the branch in the following weeks and was told the same. Only at the end of XXXX did Wells Fargo change its position and direct me to file a police report and contact XXXX XXXX, despite earlier saying this was not necessary. 
I complied with all instructions, including : Filing a police report ( XXXX XXXX Case # XXXX ) Opening XXXX XXXX Case # XXXX Despite full cooperation, XXXX XXXX denied the claim, stating I had authorized the transaction. This determination ignores the fact that my account was compromised, protective controls were overridden without my knowledge, and that I had no intent to initiate this transaction. 
This is a clear case of APP ( Authorized Push Payment ) fraud, and both institutions are attempting to shift responsibility while refusing to protect or reimburse a long-standing customer. 
I am seeking : Full reimbursement of the {$9800.00} lost in the transaction A written explanation from both parties An investigation into the breakdown in fraud protection and customer handling across both platforms.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: ID

Complaint narrative:
Jefferson Capital and XXXX have both attempted to collect on the same first premier account creditor. XXXX first contacted me, but once I disputed, Jefferson Capital began collection activity on the same debt. This creates confusion and duplicate collection activity, which is misleading and violates the FDCPA. I should not be pursued by two different agencies for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
Please reference this complaint with Complaint ID # XXXX. They day I mailed my complaint of that case, I also sent a XXXX letter to Experian. I had notified them I was filing a formal complaint. Since then Experian has finally gave me access to my credit report ( had no access since XX/XX/XXXX ). And finally after a year, I can view my XXXX score with my bank XXXX XXXX, in which the same, no access to that XXXX score since XX/XX/XXXX. XXXX XXXX had my XXXX score unavailable stating the information from Experian was effecting it. 

My new complaint is that even though Experian has finally gave me access to my credit report, they have MAJOR inaccuracy on my credit and that is my Chapter XXXX Bankruptcy that I have been on faithfully since XXXX XXXXThey have me as Chapter XXXX ( which is incorrect ) and have ALL of the consumers listed highlighted in red that are effecting my credit score, when ALL consumers they have listed are part of my Chapter XXXX Bankruptcy. that is soon to be completed by this year 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 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: OH

Complaint narrative:
I opened an account with XXXX, and placed numerous orders, and made on time payments etc. All of a sudden for no explanation my account is restricted or has a glitch in placing any new orders, when you contact afterpay, they never reply, and if they do which is weeks later, it's a generic reply saying they have escalated it to the proper department and I will be in contact with, none of this has happened! I believe they give false advertisement when giving people available spending, let the consumer spend, and then once they have given so many payments, they stop your account from placing any new orders at all! For no reason, I believe this company should be investigated from proper protocols for availabile spending for consumers. Then they tell you they do not run any credit checks but then again their app and the company perform credit checks for each order that's being placed, because you literally receive an email as to why XXXX of your orders weren't approved, and it's from Experian! So how can they not run a credit check but provide Experian details??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/, 2025, I received 2 unsolicited cards from Chime ( XXXX  XXXX  ). One was a credit card, the other was a debit card. I spoke to a representative at Chime the same day. I received an email from Chime, details below, including a recommendation to submit a fraud report to the FTC, but all 3 credit reporting agencies XXXX XXXX XXXX XXXX  ) show no Chime activity ( not fraud ). The information provided by Chime is inconclusive. I want to know why I received these two unsolicited cards from Chime. 
XXXX XXXX XXXX, Thank you for reaching out to Chime. We have reviewed the information that you provided and have taken appropriate action to stop any further activity if any unauthorized accounts were identified.

Although we are limited in the information we can share regarding our investigation without the appropriate documentation, such as a government issued ID and a FTC report, we encourage you to take the following steps to protect your personal information :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
XXXX XXXX, provided a XXXX XXXX device ( XXXX  ) XXXX my health insurance, the device wasn't set on the correct pressure level so I requested to be fix to no response, In XX/XX/XXXX my health insurance coverage stopped, I got a message from XXXX to return the unit as a result of insurance cancelation, I agreed to return it. Except nobody came to pick it up, they give directions to the nearest branch in XXXX FL, XXXX is way to far for me, Now in XX/XX/XXXX after finaly the unit has been picked up, I received a collection notification from XXXX, collection company, after taking to a representative, they suggested to talk to XXXX XXXX again, XXXX XXXX told me that the Amount owed is for the rental of the equipment wich is {$610.00} per month for a total of {$2400.00} and counting, I explained that the equipment wasn't picked-up at the time I agreed ( XX/XX/XXXX ) to begin with, and I also couldn't use it even if I wanted to. They insist on payments due, so here I am asking for help to the CFPB, please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 a victim of identity theft. Experian and 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 Experian, 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 Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer. Per FCRA 605B 15 USC 1681 c2 all adverse information is required to be blocked within 4 days. I will seek legal litigation if this doesnt get resolved 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 2025-08-23 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am enrolled in automatic debit with Nelnet ( Account : XXXX ) for my federal student loans. Every payment has been withdrawn on time for years, as my Nelnet payment history shows. Despite this, Nelnet has been inaccurately reporting my accounts as 90 days late beginning in 2019, and XXXX  continues to list these false delinquencies every month. 
I have contacted Nelnet multiple times over the past six months, and each time I was told the issue would be fixed. However, no correction has been made, and my credit report continues to show false delinquency. This inaccurate reporting is destroying my credit score and has already jeopardized my ability to refinance my home.

Company response to consumer: Closed with explanation