vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX To Whom It May Concern, RE : Notice of Dispute and Demand for Immediate Removal of All Collection This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, regarding an alleged collection account you are reporting on my Experian credit file.

I dispute the accuracy, validity, and legal standing of this alleged debt and demand complete deletion of the account from all consumer reporting agencies, including but not limited to Experian, Equifax, and TransUnion, for the following legal reasons : 1. Failure to Validate As required under FDCPA 809 ( 15 USC 1692g ( b ) ), you must cease collection activities until you provide proper written validation of the debt, including : o Signed contract bearing my signature o Full chain of title ( proof of assignment from original creditor to you ) o Full accounting from day one o Explanation of how the amount was calculated 2. Re-aging and Reporting Violations Any inaccurate date reporting, such as updating " last activity '' to make it appear newer, is a direct violation of FCRA 605 ( c ). Such manipulation is illegal and grounds for immediate deletion.

3. Lack of Permissible Purpose Under FCRA 604, you are required to have permissible purpose to access or report my consumer data. You must prove this immediately. 
4. Emotional Distress and Damages Continued reporting of inaccurate or unverifiable accounts may be construed as willful noncompliance, making you liable for actual and punitive damages under FCRA 616 & 617 and FDCPA 813. Legal counsel is prepared to initiate a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue a private right of action.

5. 30-Day Compliance Notice If you can not fully validate the alleged account and prove your legal authority to report and collect on this debt within 30 days, you are to delete the account in full from all consumer reporting agencies or face further legal action.

You are to cease all collection efforts, calls, and reporting unless and until this matter is resolved to full federal compliance. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AR

Complaint narrative:
XXXX XXXX : XXXX, CO Date : XX/XX/year>, XX/XX/year>, XX/XX/year> The account is being reported as a charge-off repeatedly each month, which gives the false impression that a new charge-off is occurring continuously. This is not consistent with credit reporting best practices, nor is it in accordance with the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate and not misleading.

Once an account has been charged off, it should be reported as such one time, and not continuously updated with new charge-off notations month after month. This form of reporting may unfairly damage my creditworthiness by making it appear as if I am newly delinquent every month.

I respectfully request the following : That you investigate this account and verify the accuracy of the monthly reporting pattern with the data furnisher That any misleading or inaccurate monthly updates be removed or corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

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 explanation
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
I am writing to formally request an investigation and full verification of several accounts currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe may be inaccurate, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that each of these accounts be fully verified with proper documentation from the original creditor. If verification can not be completed with legitimate and accurate records, I respectfully ask that the unverified items be removed from my credit file in compliance with the 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 explanation
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not delete this account immediately, please provide the required information. 
I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I had an auto loan through Wells Fargo. I paid the truck off. I received the title about a month after paying off my loan. I came back from working in Alaska in the XXXX XXXX and paid the remainder of the loan off by phone. I do not remember exact dates, but I know it was in XXXX. I received the title and had no issues until XX/XX/XXXX. I was getting a loan, and they told me that Wells Fargo had done a charge-off on the account I had paid in full. Sadly, I was living in California in XXXX when the XXXX XXXX XXXX burned through my hometown. I lost everything. I do not have any documentation that I paid the truck off because all of my statements were in my safe, which burned. I paid the truck off, and then XXXX  years later, they put on my credit report that I never paid them, and now it's affecting my credit and my ability to buy a home. I have requested proof that I paid it off, and they can't give me any documentation. I have asked for all of my statements, I have asked for proof of payments and proof of payoff, and they never send anything, and then the last time I called, they hung up. I have tried to dispute it on my credit report, but they will not take it off because Wells Fargo disagrees with the dispute each time. Please help, I have no other options

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 reviewed my credit report and discovered a collection account that I was completely unaware of until now. I have never received any notice, invoice, or communication regarding this debt, nor have I had any dealings that would result in such an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

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 explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
This letter serves as a formal dispute of a hard inquiry that appears on my credit report. I have not applied for credit nor authorized any third party to access my credit file in relation to this inquiry. Under the Fair Credit Reporting Act ( FCRA ), no organization may access a consumers credit file without permissible purpose and written authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Wrong info connected to my credit report I called and verified my identity thought they fixed the problem but a week later back to my f dad 's birthday and my ssn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MI

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 explanation
Consumer complaint received 2025-06-30 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: LA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-30 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: LA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-30 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: TX

Complaint narrative:
I am submitting this complaint because a closed auto loan account from XXXX XXXX is being reported on my credit report with XXXX late payments that are completely inaccurate. 
I have disputed this account multiple times with all three major credit bureaus, and every time they respond that the information has been " verified. '' However, not once have I been provided any original documentation, such as the signed contract or proof of these alleged late payments. 
Ive requested this information repeatedly, but the credit bureaus and XXXX XXXX continue to rely on automated systems like e-OSCAR to verify the information without a real investigation. This is not only unfair, its a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Heres how theyre violating the law : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681s-2 ( b ) : Furnishers failure to investigate and correct inaccurate info * 15 U.S.C. 1681e ( b ) : Reporting inaccurate info without ensuring maximum possible accuracy * 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable info * 15 U.S.C. 1681i ( a ) ( 7 ) : Not providing me with the method of verification when I asked Im tired of this back and forth. My credit is being damaged by false information, and no one has been able to show me proof. If XXXX XXXX or the bureaus can not show original documentation, this account must be removed immediately.Account is now in litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
This is a supplemental complaint related to CFPB XXXX # XXXX. 

I am submitting additional documentation to prove that my payment to XXXX ( XXXX ) was made in full and on time, yet I continue to be reported as delinquent. The original dispute included bank records and confirmation of bill pay. Since then, XXXX has refunded my payment, then falsely claimed I still owe the balanceand even increased it. 

Despite clear proof, this account is still harming my credit. Im requesting the CFPB to fully review the attached documentation and require the creditor to : Correct or delete the negative tradeline. 

Remove all false charges and late payment reporting. 

Confirm in writing that the matter is resolved. 

I have contacted XXXX about this issue since XXXX, yet as of XXXX, my TransUnion report still shows a XXXX delinquency for XXXX, even while listing the account as current. The timing is not only inaccurate, but it also contradicts the fact that I paidand later had the payment mysteriously returned to me. This has affected my XXXX score across multiple bureaus, including XXXX XXXX, and TransUnion. 


A signed PDF document and bank evidence are included with this supplemental complaint. Thank you for your help resolving this ongoing issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
This is a supplemental complaint related to CFPB XXXX # XXXX. 

I am submitting additional documentation to prove that my payment to XXXX ( XXXX ) was made in full and on time, yet I continue to be reported as delinquent. The original dispute included bank records and confirmation of bill pay. Since then, XXXX has refunded my payment, then falsely claimed I still owe the balanceand even increased it. 

Despite clear proof, this account is still harming my credit. Im requesting the CFPB to fully review the attached documentation and require the creditor to : Correct or delete the negative tradeline.

Remove all false charges and late payment reporting.

Confirm in writing that the matter is resolved. 

I have contacted XXXX XXXX this issue since XXXX, yet as of XXXX, my TransUnion report still shows a 30-day delinquency for XXXX, even while listing the account as current. The timing is not only inaccurate, but it also contradicts the fact that I paidand later had the payment mysteriously returned to me. This has affected my FICO score across multiple bureaus, including EquifaxXXXX XXXX XXXX XXXX 


A signed PDF document and bank evidence are included with this supplemental complaint. Thank you for your help resolving this ongoing issue.

Company response to consumer: Closed with explanation