vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX * EquifaxP.O. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. 
The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C.

1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
Please dont respond to my request by saying that these accounts have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.

C. 

XXXX, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified o r removed immediately. 
XXXX ame of XXXX ount : Account XXXX umber : P XXXX vi de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at i on XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX NOTE : P l ease a l so remo v XXXX all non - account XXXX XXXX XXXX XXXX XXXX i nqu i r i es o v er XXXX da y XXXX o l d. 
XXXX XXXX XXXX You, XXXX, STEPHENAttached : Copy of my Social Security XXXX XXXX XXXX XXXX is attached Sent : XXXX XXXX Mail

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 2025-10-25 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: AZ

Complaint narrative:
sent a letter through portal, XX/XX/XXXX sent another letter Thank you for contacting XXXX, sent another letter, XX/XX/XXXX Thank you for contacting XXXX., Sent another letterubject : XX/XX/XXXX Thank you for contacting XXXX, through the portal, and many through XXXX general mail XXXX complaint < THESE LOANS WERE INCLUDED TO BE DISSOLVED. PLEASE UPDATE YOUR FILES AND REPORT TO THE CREDIT BUREAUS ACCORDINGLY, XXXX XXXX XXXX, AND TRANSUNION. PLEASE RESPOND THAT YOU HAVE RECEIVED THIS NOTICE AS I FILED XX/XX/XXXX, WAS DISCHARGED XX/XX/XXXX, SO I SHOULD NOT BE GETTING EMAILS ABOUT ANY PAYMENTS. THIS ACCOUNT SHOULD BE ZEROED OUT. NOT SURE WHAT PROCESS IS, BUT PLEASE RESOLVE THIS ISSUE. I SPOKE WITH A MANAGER, NAME XXXX XXXX ID 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 2025-10-25 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 writing to request the removal of the bankruptcy information from my credit report Ref # XXXX. Please note that the disclosure of this bankruptcy is not authorized, and therefore it should not appear on my credit file. I kindly ask that you investigate this matter and ensure the removal of the bankruptcy record at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the bankruptcy information from my credit report Ref # XXXX. Please note that the disclosure of this bankruptcy is not authorized, and therefore it should not appear on my credit file. I kindly ask that you investigate this matter and ensure the removal of the bankruptcy record at your earliest convenience.

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 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: FL

Complaint narrative:
After accepting a {$35.00} cash advance through the Albert app, the company automatically enrolled me in a XXXX XXXX subscription without my explicit consent. The subscription terms were not clearly disclosed or presented in a prominent way at the time of accepting the advance. This lack of transparency appears deceptive and potentially violates federal consumer protection standards.

When I attempted to repay the {$35.00} advance, Alberts system rejected the payment because my bank transitioned its card provider from XXXX to XXXX. Even though Albert had verified access to my linked bank account ( used for the savings withdrawals ), the app provided no option to repay the advance through that same verified account. This design obstructs repayment, places consumers in a coercive position, and raises concerns under CFPB regulations regarding fair business practices.

To resolve this, I contacted Albert Support on XX/XX/XXXX and authorized repayment from my verified bank account ending in XXXX. They processed the {$35.00} repayment but never refunded the {$11.00} XXXX XXXX balance that has now grown to {$50.00}, with the latest withdrawal occurring today, XX/XX/XXXX. 

When I try to cancel XXXX XXXX, the app says I must keep at least one active XXXX XXXX account so they can help save money. When I try to withdraw the money Albert has taken from my bank account, the app and website both reject my linked XXXX debit card, even though its attached to the same verified account.

Ive given Albert more than two weeks to resolve this issue or respond meaningfully. Since they have not, I can only assume this company is avoiding accountability. To be clear, I actually like the XXXX XXXX concept and understand its value. However, the way Albert added this feature without clear consent is misleading and untrustworthy. Combined with the fact that I cant access or withdraw my own money after requesting to close my account, I will never do business with Albert again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX for Inaccurate Credit Reporting During Federal COVID-19 Forbearance Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX, my former mortgage servicer, for inaccurate and damaging credit reporting related to my federally protected COVID-19 mortgage forbearance period.

During the height of the COVID-19 pandemic, my mortgage account with XXXX was placed under an approved federal forbearance protection program authorized under the CARES Act and related federal relief provisions. Under this program, borrowers were granted temporary payment relief due to pandemic-related hardship, and servicers were expressly prohibited from reporting adverse informationsuch as delinquent or late paymentsto the credit bureaus during any approved forbearance period.

Despite my compliance with all forbearance requirements, XXXX reported two 30-day late payments during this protected timeframe. These derogatory marks have remained on my credit report for over two years, significantly reducing my credit score and affecting my ability to obtain favorable credit terms for future purchases.

When I contacted XXXX to dispute this issue, they responded that negative credit reporting was not part of the federal relief program. This statement is factually inaccurate and contradicts the intent and provisions of federal mortgage forbearance protections enacted under the CARES Act. The primary purpose of these programs was precisely to prevent negative credit reporting for borrowers affected by a national emergency or natural disaster.

Furthermore, this mortgage account has been completely paid off and should no longer reflect any derogatory information. Yet, the two inaccurate late payments continue to appear on my credit report.

I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX for improper credit reporting practices during a federally protected forbearance period.

Require XXXX to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred during forbearance.

Ensure compliance with CARES Act provisions designed to protect consumers from credit harm during federally declared emergencies.

Enclosed are supporting documents, including my payment history, correspondence with XXXX, and a copy of my credit report reflecting the inaccurate entries.

Thank you for your attention to this matter. I request acknowledgment of this complaint and prompt corrective action to restore the accuracy of my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
Due to the debt collection act this company should not be have my information without my permission. I never signed any documents with this company

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 2025-10-25 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: NY

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The furnisher, XXXX XXXX, is violating the Fair Credit Reporting Act ( FCRA ) by continuing to furnish data that is factually inaccurate, inconsistent, and unverifiable.

Account Details : This charged-off account, originally opened on or about XX/XX/XXXX, lists the Date Last Active as XX/XX/XXXX. The reported Balance Due is approximately {$10000.00}.

Factual Inconsistency ( FCRA Violation ) : The account is reported exclusively on the XXXX  credit report and is entirely absent from the XXXX  and XXXX  reports. This proves the data is unreliable and can not meet the FCRA standard of 'maximum possible accuracy. ' Inaccurate Status : The current status comment on the report shows 'Dispute resolved ; customer disagrees. ' This confirms the account is legally unresolved, yet the furnisher continues to report it as a finalized derogatory item.

Action Taken : I previously disputed this account with the credit reporting agency on [ Insert Date your first dispute letter was sent ]. The furnisher failed to cure the inconsistencies during the reinvestigation.

Unverifiable Dates : The furnisher has failed to provide the legally required Date of First Delinquency ( DOFD ), instead reporting only the Date Last Active ( XX/XX/XXXX ), making it impossible to verify the account is being reported for the legally correct time limit. 

I request the CFPB compel XXXX XXXX to delete the account to remedy the continued failure to provide complete, consistent, and accurate data as required by 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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing inquiries listed on my credit report, as they were not initiated or authorized by 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 non-monetary relief
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
This is my follow-up correspondence regarding my previous dispute requesting the deletion of an unverified collection account being reported on my credit file. To date, I have not received adequate verification or documentation from the reporting party or the data furnisher confirming the validity of this debt. The continued reporting of this unverified information violates federal law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under FCPA 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using any false or misleading representation in connection with the collection or reporting of a debt. Additionally, FDCPA 809 ( 15 U.S.C. 1692g ) requires full validation of any alleged debt upon request before further collection or reporting activity can occur. Since this validation has not been provided, the furnisher and credit bureau are in violation of federal compliance obligations.

Moreover, FCRA 605B ( 15 U.S.C. 1681c-2 ) mandates that any item of information which can not be verified, or which results from inaccurate, incomplete, or fraudulent data, must be blocked and permanently deleted from a consumers credit file once disputed.

Collection Account in Question : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$7900.00} * * This account remains unverified. Neither the credit bureau nor the furnisher has provided original documentation, account statements, or proof of ownership establishing this debt as valid. Reporting this unverifiable collection violates the FCRA, FDCPA, and FCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
This is my follow-up correspondence regarding my previous dispute requesting the deletion of an unverified collection account being reported on my credit file. To date, I have not received adequate verification or documentation from the reporting party or the data furnisher confirming the validity of this debt. The continued reporting of this unverified information violates federal law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under FCPA 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using any false or misleading representation in connection with the collection or reporting of a debt. Additionally, FDCPA 809 ( 15 U.S.C. 1692g ) requires full validation of any alleged debt upon request before further collection or reporting activity can occur. Since this validation has not been provided, the furnisher and credit bureau are in violation of federal compliance obligations.

Moreover, FCRA 605B ( 15 U.S.C. 1681c-2 ) mandates that any item of information which can not be verified, or which results from inaccurate, incomplete, or fraudulent data, must be blocked and permanently deleted from a consumers credit file once disputed.

Collection Account in Question : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$7900.00} * * This account remains unverified. Neither the credit bureau nor the furnisher has provided original documentation, account statements, or proof of ownership establishing this debt as valid. Reporting this unverifiable collection violates the FCRA, FDCPA, and FCPA.

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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there was also inaccuracies under XXXX XXXX characters 76 through 190.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo bank put my cashier check on hold for XXXX  days to verify the check would clear!! This is NOT right! The bank should have released my funds immediately since this is a Guaranteed money! 
A cashier 's check is a check drawn from the bank 's own funds, not yours, and signed by a cashier or teller. I should have acress to my funds immediately since! Wells Fargo does not agree.

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 2025-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX IL, a member of the XXXX XXXX, transferred our loan to Caliber Home Loans of {$10000.00}, with the account now under the NewRez/Shell Point account number. The Loan was paid off through our Bankruptcy XXXX XXXX case number. On XX/XX/XXXX, I am XXXX XXXX XXXX and dont care I have tried to do this without putting my account number in and I have not been able to get help, I have called Caliber Home Loan 5 times and they can not help. I need a release of the loan because this has led to a foreclosure on my property, and I am spending a lot of money trying to get my condo back from those who committed identity theft using my social security number and forging my signature. The agent with Caliber Home Loan is now NEWREZ. I need a release for the loan, showing it was paid for the courts. 
The loan was paid in Full on XX/XX/XXXX. The Agent who did the transfer on XX/XX/XXXX, was XXXX, XXXX, with Caliber Home Loan, now NewRez. The Receipt number XXXX. I have sent you an email and have not received a response yet. Spoke with XXXX ; they said that if the loan was transferred to Caliber Home Loans ( now NewREZ/Shell Point ) . That would not transfer a Loan to XXXX XXXX XXXX, which is a collection agency. Shell Point Serving is your collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year> I discovered that several tradelines and hard inquiries were being reported under an incorrect identity and with inaccurate balances. After sending disputes to the credit bureaus, the information remains unchanged. 

The reporting and reinvestigation failures violate multiple provisions of the Fair Credit Reporting Actincluding 15 U.S.C. 1681b, 1681e, 1681i, 1681s-2 ( b ), and 1681nwhich require accuracy, verification, and permissible use of my credit data. Some furnishers have also continued to report information they know or should know is inaccurate, contrary to FCRA 623 ( a ) ( 1 ) ( A ). 

I have also received collection communications without proper validation, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c and 1692g ). Certain creditors failed to credit or post payments correctly as required by 15 U.S.C. 1666b under the Truth in Lending Act.

Because these accounts are linked to the wrong identifying name and have been re-verified without evidence, they are unverifiable within the meaning of 15 U.S.C. 1681i. Under 1681c-2 and XXXX Statutes 501.0051 and 817.568, I am requesting that the inaccurate and misattributed information be blocked and removed. 

I am currently working with a credit-restoration company on verified repayment arrangements, and the furnishers have agreed to update my reports to reflect deletion upon satisfaction of those terms. Despite that, the items remain. I am asking the CFPB to ensure compliance with the FCRA, FDCPA, and TILA provisions cited above. Supporting documentsincluding dispute tables, bureau responses, and payment agreementsare attached.

Company response to consumer: Closed with explanation