vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Legal Demand for Immediate Removal of Unauthorized Negative Entries XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom It May Concern : This is a formal dispute and legal demand for the immediate deletion of all unauthorized negative entries, including collections and late payments, from my credit report. 

It is unlawful under federal law for you to report or maintain any derogatory item on my credit report without my prior written consent. I never authorized, in writing or otherwise, any third-party agency to collect on or report debts allegedly tied to my name or social security number. 

According to 15 U.S. Code 1681b, no entityespecially a third-party debt buyermay access or furnish data to consumer reporting agencies without a permissible purpose and proper authorization. These debt collectors are not original creditors and have no valid, legal relationship with me. I did not create any agreement with these entities, nor did I authorize any debt to be bought, sold, or assigned in my name.

Furthermore, under 15 U.S. Code 1692e ( Fair Debt Collection Practices Act ), it is illegal for debt collectors to use any false, deceptive, or misleading representation in connection with the collection of any debt, including falsely implying that they have the legal right to collect, report, or sue without valid documentation. 15 U.S. Code 1692g also requires proper validation of debt. Unless you have signed contracts or written proof of agreement from me, you are in violation of federal law by continuing to report these items.

This situation has caused me significant pain, wasted time, and deep disappointment. The negligent and unlawful reporting has interfered with my financial stability and emotional well-being.

According to 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy. Under 15 U.S. Code 1681i, you have 30 days to investigate and correct or remove any item that can not be verified with proper documentation. 

Therefore, I am demanding that all third-party collection accounts and late payments that lack my written consent and verification be removed immediately. If this is not resolved within the legally mandated time frame, I will pursue complaints with the Federal Trade Commission ( FTC ), and seek legal counsel. 

You are now formally and legally on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX collection account with a false date opened that misrepresents the age of the debt. This account was opened before XXXX! This XXXX account became delinquent well before the reported date, but Jefferson Capital is listing the date they acquired the debt as the date opened, which is misleading and violates the Fair Credit Reporting Act ( FCRA 623 ). The original delinquency occurred before Jefferson Capital became involved. This inaccurate reporting makes the debt appear newer than it is, which unfairly impacts my credit profile and mortgage eligibility. I am requesting that the inaccurate date be corrected or the account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Ask to provide verification and all they did was update & verified the account and closed it instead of removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-09 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing a formal complaint regarding a deceptive and predatory lending practice conducted through Wells Fargo.\n\nIn XXXX, I purchased an $8,000 diamond ring for my fiance at XXXX XXXX in XXXX, PA. The ring was financed through Wells Fargo, and I was told at the timeclearly and unequivocallythat the financing came with 0% interest. The application was processed quickly in-store through Wells Fargo and the AXXXX XXXX XXXX, and I signed the credit agreement based on that understanding.\n\nOver the course of a year, I made consistent minimum payments and paid off nearly half of the balance. Then, without any prior warning, I was suddenly charged nearly XXXX in interest, which Wells Fargo claims is the result of a "promotional period" expiring.\n\nAt no point was I made aware that:\n\nThe 0% interest rate was promotional,\nThere was an exact expiration date,\nOr that Wells Fargo would retroactively apply trailing interest to the entire year if the balance was not paid in full.\nHad I received any notification that a XXXX interest charge was impending, I would have paid the balance in full. Instead, Wells Fargo applied this interest after the fact, with no heads-upan action that is deceptive, unfair, and clearly designed to catch customers off guard.\n\nWells Fargo has a documented history of unethical behavior, including creating fraudulent accounts in customers names. This current experience is consistent with that same predatory patterntargeting everyday consumers who trust they are being dealt with fairly.\n\nThis kind of "gotcha" interest charge, without proper disclosure or notification, is unacceptable. I request that this charge be reversed and that Wells Fargo be held accountable for failing to clearly inform and notify customers of material changes to the terms of their financing.\n\nSincerely,\nXXXX 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 2025-07-10 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-09 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-09 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: Global Lending Services LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A, Section 2 ; states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Global Lending Services - XXXX XXXX XXXX # XXXX XXXX, SC XXXX reported multiple late payments to my account. After reaching out to resolve the incorrect reporting information and failure to comply with the laws listed above I believe my privacy has been invaded and there has been tremendous damage done to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I have already submitted a fraud/identity theft report in the past, including a police report and FTC Identity Theft Affidavit. For your convenience, Ive attached those documents again with this letter, along with a copy of my government-issued ID and proof of address.

Under the Fair Credit Reporting Act ( FCRA ), you are required to block or remove all fraudulent accounts and ensure that my credit report reflects only accurate and verified information. Please conduct an immediate investigation and confirm the removal of these fraudulent accounts from my credit file.

I request written confirmation once the accounts have been deleted and that an updated copy of my credit report be sent to me.

Thank you for your prompt attention to this matter.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal XXXX. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXXXXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XXXX/XXXX/2020 Law : FCRA Section 611 and Equal Credit Opportunity Act ( ECOA ) prohibit discriminatory or unverified reporting Issue : This account shows late payments which are harming my score but may not be accurate or fully verified Story : I have disputed this directly with the creditor and never received any verification, please reinvestigate the late payments and update the account accordingly REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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