vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
TransUnion is inaccurately reporting my XXXX XXXX XXXX ( Case # XXXX ) as " Dismissed '' instead of " Discharged. '' The bankruptcy was successfully discharged on XX/XX/year>, per the official court documents. I have uploaded both the Discharge Letter and Schedule of Creditors ( Schedule F ) to support my claim. Ive attempted to resolve this with TransUnion directly, but the error remains. This misreporting is damaging my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ). I request immediate correction of this public record to reflect the accurate disposition : Discharged 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 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 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 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 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 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 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 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 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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im reaching out regarding a parking citation I received for parking within 15 feet of a fire hydrant. A few days after the citation, I received a letter, then a text message, which prompted me to pay to avoid late fees. However, after reviewing the situation more carefully, I realized it was a scam. 

I contacted the city at ( XXXX ) XXXX, and they confirmed to me that this was indeed a fraudulent charge. Unfortunately, I had already made the payment before knowing this. 

Could you please advise me on what steps I can take now? I want to resolve this properly and avoid any further issues. 

Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
I am being charged illegal student interest on my federal loans through MOHELA. I am currently in a XXXX XXXX forbearance but I have over {$2000.00} in interest being charged despite this. I am trying to pay my full balance before interest actually resumes XXXX XX/XX/XXXX but I am unable to do so as the amount it states I owe is not accurate and includes the illegal interest. I have documentation supporting all of this, including the interest rate being XXXX XXXX as well as the illegal interest being applied regardless. Attempts to reach MOHELA have failed every time and I can not get any answers. I have been told this is an issue with the education department but they stated that it is the loan servicer. I now can not reach my loam servicer. I want to pay my loan in full but I can not do so in good conscience if this illegal interest is included with no guarantee of a refund for overpayment.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 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 filing this complaint due to the willful and unlawful reinsertion of a previously deleted XXXX account on my credit report without proper notice or certification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was removed after dispute and has now reappeared with a false late payment, negatively impacting my credit standing. I was never notified in writing of the reinsertion, and no investigation notes, verification records, or signed contractual evidence has been provided. I believe this is a direct violation of the Fair Credit Reporting Act and may rise to the level of willful misconduct under 15 U.S.C. 1611. I am demanding immediate deletion of the account and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
RE : Complaint Against Equifax for Failure to Remove Inaccurate and Legally Disputed Accounts.

I am filing this formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. 
Despite multiple dispute attempts and formal written notices, Equifax continues to report numerous inaccurate and unverifiable accounts on my credit file. This includes, but is not limited to : - XXXX XXXX XXXX XXXX XXXXXXXX - Charged-off with no signed agreement or verification - Lentegrity - Reported as repossessed without proof of deficiency balance or repossession notice - XXXXXXXX XXXX XXXX XXXX Account marked as resolved but continues to show with negative status - Affirm XXXX XXXX XXXX ) - Reported late or charged-off without contract or billing history - XXXX XXXX XXXX XXXX XXXX Account sold and not updated properly, and actively in litigation since XX/XX/year> yet still appears on my credit report. - XXXX XXXX - Charged-off with no supporting documentation - XXXX XXXX XXXX XXXX Actively in litigation since XX/XX/year>XXXX  yet still appears as a charge-off on my credit file. 
Under FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), the bureau is required to ensure maximum accuracy and conduct proper investigations. They have failed to do so.

Furthermore, the continued reporting of the XXXX  account during active litigation may represent willful noncompliance and defamation under FCRA 623 and 1681n. I have requested multiple time that Equifax produce their methods of investigations and their communications with the data providers, but they still failed to do so. 
I am requesting immediate enforcement action, investigation into this credit bureau 's practices, and permanent deletion of the aforementioned derogatory accounts. 

Sincerely, Enclosures : Dispute documentation, proof of identity, credit report excerpts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing inaccurate late payment information that is being reported by the credit bureaus. The following accounts are reporting 30-day delinquencies which I believe to be incorrect or unverifiable : 1. XXXX Reported late by Experian 2 . XXXX XXXX XXXX XXXX  Reported late by Experian and TransUnion XXXX. XXXX XXXX XXXX Reported late by Experian and XXXX  I requested verification and supporting documentation for these derogatory marks, including payment histories, due dates, and any communication sent notifying me of delinquencies. I have not received sufficient evidence to support the continued reporting of these late payments. 

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau or data furnisher can not verify an accounts accuracy, they are required to remove it. I am requesting the CFPB investigate these matters and have the negative entries removed if they can not be fully validated. 

These inaccuracies are negatively impacting my creditworthiness and were not resolved through direct contact with the reporting agencies.

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 2025-07-26 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute incorrect information being reported on my credit report related to four accounts that were paid through settlement. These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each of these accounts has been settled, and the current reporting is inaccurate. The accounts are still marked as XXXX or may show past-due balances or late payments after the date of settlement. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a formal investigation and that the records be corrected to accurately reflect the settled status, with a {$0.00} balance and appropriate remarks such as Paid in Settlement or Settled for Less Than Full Balance. 
I have attached a formal dispute letter summarizing the situation and respectfully request that the companies involved : Update or correct the reporting to reflect the settled status Ensure balances are shown as {$0.00} Remove or correct any misleading or outdated derogatory notations Please find attached a formal dispute letter summarizing the accounts in question. I have also included supporting documentation. 

Thank you for your time and prompt attention to this matter. 

Sincerely, 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 2025-07-26 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe is being reported inaccurately and inconsistently. I recently applied for a mortgage and found the inaccurate reporting. The account in question is listed on my credit report with TransUnion, but it does not appear on the reports from the other major credit reporting agencies ( XXXX  and XXXX  ). I am requesting a thorough investigation into this matter and its removal from my credit file as it is erroneously being reported. 
Here is the account in disputed : Creditor Name : XXXX XXXX  Account Number ( or last 4 digits ) : XXXX Date Opened : XX/XX/year>2016 Account Type : Auto Loan I have enclosed a copy of my credit report, where this account does not appear, indicating a potential inconsistency or reporting error. According to the FCRA 15 U.S.C. 1681e ( b ) and FCRA 15 U.S.C. 1681i9a ) ( 1 ) ( A ), credit reporting must be accurate, complete, and verifiable.

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 2025-07-26 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:
FCRA violtions not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$15000.00} Status Account charged off. {$18000.00} written off. {$15000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$9400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never worked here 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 2025-07-26 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:
FCRA violtions not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$15000.00} Status Account charged off. {$18000.00} written off. {$15000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$9400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never worked here 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 explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
I opened a bank account with Wellsfargo and upon completing the application it said that I was eligible for a {$320.00} bonus with qualifying direct deposit within 90 days of account opening. I met all requirements and still havent received my bonus deposit.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( XXXX, XXXX, XXXX, Innovis, XXXX, and XXXX  ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 
On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over 34 unauthorized and unverifiable hard inquiries Accounts discharged in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law. 
Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items. 
I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX Signature XXXX XXXX Phone : XXXX Email : [ Insert Your Email ] 1 Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission ( FTC ) Ohio Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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