vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against [ Experian / Equifax / TransUnion ] for reporting a XXXX on my credit report that can not be verified under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this entry and requested verification. The credit bureau did not provide any documentation directly from the XXXX XXXX Court. 

XXXX courts do not furnish data to credit bureaus. If the bureau can not verify the accuracy of the record from the original source, the item must be removed under FCRA XXXX. 

Please have this unverifiable public record deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168le ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) 281 sw 715,719, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I wasn't aware my minor son was using my card without my permission or knowledge making purchases online. I Myself only used the card inside the physical best buy store. Never had I used that card online not once. Let alone I didn't know it could be used to purchase anything outside of Best Buy. The last thing I did authorized was a cell phone that I purchased myself in the XXXX XXXX LA. best buy. I monitor my credit constantly and My credit never showed any purchases until I started getting calls about it's time to make a payment. I didn't get one notification that an abnormal purchase was being made from the Best Buy card. I'm shocked that best buy didn't pick up on that. And by the time the payment came due it was to late to return everything. When I made a complaint about what happened they started a investigation to what happened and found I was responsible for the payments. Even though the purchases were done with my card but the purchases and delivery where in my minor under age son name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
EXPERIAN EQUIFAX TRANSUNION ARE VIOLATING MY RIGHTS I NEVER GAVE THEM CONSENT TO FURNISHED THE ACCOUNTS IN THIS DISPUTES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
EXPERIAN EQUIFAX TRANSUNION ARE VIOLATING MY RIGHTS I NEVER GAVE THEM CONSENT TO FURNISHED THE ACCOUNTS IN THIS DISPUTES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
Should you continue in seeming disregard and or noncompliance and or deficient of substantial satisfying and/or diversely evident proof of compliant reporting polices as I will outline throughout this statement, you ought to accept this letter as to serve in representation of my Officially drafted notice prior to my then-likely decision to request of a civil court nearest me to grant a petition for writ of review related to the aforementioned ailments I suspect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
The details of the grant are as follows : Program Type : Direct Subsidized Institution : XXXX of XXXX University XXXX ID : XXXX Enrollment Period : XX/XX/XXXX XX/XX/XXXX Grant Funded Amount : {$3500.00} Incorrectly Reported Balance : {$3800.00} Issue : Showing as a loan with interest due This amount was awarded as a grant, not a loan, and therefore should not be reported as an outstanding balance or accrue interest. The current reporting is inaccurate and misleading, and it appears on all three major credit bureausXXXX, XXXX, and XXXX well as within the XXXX system. 
I respectfully request that this item be corrected to reflect a {$0.00} balance, and that any associated interest or repayment obligations be removed. Please ensure that the corrected information is updated across all relevant systems and credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a severely delinquent federal student loan currently serviced by XXXX. The account has been reported as over 120+ days past due and is negatively affecting my credit. I was unaware that I was eligible for the Department of Educations XXXX XXXX program, which allows defaulted borrowers to return to good standing. I was never notified or offered enrollment until recently, and the negative reporting continued even after I began seeking rehabilitation. I am now trying to resolve the matter and remove the derogatory marks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I have a severely delinquent federal student loan currently serviced by XXXX. The account has been reported as over 120+ days past due and is negatively affecting my credit. I was unaware that I was eligible for the Department of Educations XXXX XXXX program, which allows defaulted borrowers to return to good standing. I was never notified or offered enrollment until recently, and the negative reporting continued even after I began seeking rehabilitation. I am now trying to resolve the matter and remove the derogatory marks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I have a severely delinquent federal student loan currently serviced by XXXX. The account has been reported as over 120+ days past due and is negatively affecting my credit. I was unaware that I was eligible for the Department of Educations XXXX XXXX program, which allows defaulted borrowers to return to good standing. I was never notified or offered enrollment until recently, and the negative reporting continued even after I began seeking rehabilitation. I am now trying to resolve the matter and remove the derogatory marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CT

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and maXXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code. The following statutory provisions support my request for the removal of fraudulent inquiries and inaccurate information related to identity theft from my credit reports : 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 1681a Definitions ; rules of construction 15 U.S.C. 1681b Permissible purposes of consumer reports 15 U.S.C. 1681c Requirements relating to information on consumers 15 U.S.C. 1681c-1 Security freezes and fraud alerts 15 U.S.C. 1681c-2 Blocking of information resulting from identity theft 15 U.S.C. 1681e Compliance procedures 15 U.S.C. 1681g Disclosures to consumers 15 U.S.C. 1681i Procedure in case of disputed accuracy 15 U.S.C. 1681m Requirements on users of consumer reports 15 U.S.C. 1681s Administrative enforcement 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681t Relation to State laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: IN

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code. The following statutory provisions support my request for the removal of fraudulent inquiries and inaccurate information related to identity theft from my credit reports : 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 1681a Definitions ; rules of construction 15 U.S.C. 1681b Permissible purposes of consumer reports 15 U.S.C. 1681c Requirements relating to information on consumers 15 U.S.C. 1681c-1 Security freezes and fraud alerts 15 U.S.C. 1681c-2 Blocking of information resulting from identity theft 15 U.S.C. 1681e Compliance procedures 15 U.S.C. 1681g Disclosures to consumers 15 U.S.C. 1681i Procedure in case of disputed accuracy 15 U.S.C. 1681m Requirements on users of consumer reports 15 U.S.C. 1681s Administrative enforcement 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681t Relation to State laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was successful getting approval by phone orders for Experian and XXXX XXXX. I was not successful with the Equifax approval. Please mail to my current address my copy of a free Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and XXXX  credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Student Loan {$4400.00} also a second XXXX XXXX XXXX XXXX on XX/XX/XXXX under the same account number XXXX, A student loan saying {$7900.00} another account opened at on XX/XX/XXXX under the account number XXXX ( private ), a personal account opened at XXXX and XXXX that appears related to the aforementioned personal loan account opened at XXXX with a balance of {$580.00} XXXX XXXX INQUIRY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
Those are not my debt. I am a victim of identity theft.

This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

I have uploaded an identity theft report to support my claim and also provide My driver license and social to verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
Those are not my debt. I am a victim of identity theft.

This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

I have uploaded an identity theft report to support my claim and also provide My driver license and social to verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
There are multiple credit inquiries on all 3 credit reporting agencies that I didnt give authorization for. Some are done multiple times with the same loan agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
There are multiple credit inquiries on all 3 credit reporting agencies that I didnt give authorization for. Some are done multiple times with the same loan agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX for their willful failure to investigate fraudulent and inaccurate information in my consumer credit report. I previously submitted a formal dispute to XXXX, along with all the personal identification documents they requested, including my Social Security number, drivers license, and proof of residence. Despite this, XXXX responded by falsely claiming they could not verify my identity and chose not to investigate the dispute at all. This response is not only misleading but a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires that all disputes be properly investigated when the consumer provides sufficient identifying information. 

The following fraudulent account must be deleted : XXXX XXXX Account # XXXX Opened : XX/XX/XXXX | Charged Off : XX/XX/XXXX This account is fraudulent, inaccurate, and unauthorized. I have no knowledge of this storefront installment loan and never applied for it. 
The following unauthorized inquiries are to be deleted immediately 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 My legal name is XXXX XXXX, and those variations are incorrect and damaging. My report also includes incorrect and outdated addresses, phone numbers, employment, and income information that does not pertain to me. 
I request that the CFPB enforce my rights under the FCRA by requiring XXXX to conduct a proper investigation, remove all unverifiable, false, and fraudulent information, and confirm the deletion in writing. XXXX failure to act is unlawful and has caused undue harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital LLC is a violation of 15 USC 1692G I am requesting at Jefferson Capital supply me with the validation of this debt with the written contract with my signature has agreement of this debt. I am requesting an assignment contract from the consumer that Jefferson capital LLC has a contract of assignment or chain of assignment, Bill of sale original with identity of the account and details. This is a duplicate of XXXX XXXX that is already reported on my credit report as a charge off. The information reported by Jefferson Capital LLC is in accurate false and misleading, and I am requesting that cease and desist immediately

Company response to consumer: Closed with explanation