vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: WV

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX XXXX XXXX - {$2000.00} ( ACCOUNT # XXXX XXXX ) XXXX XXXXXXXX - {$2600.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$4000.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$9100.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXXXXXX - {$3700.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$6500.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called fraud and complained to Wells Fargo of XXXX transactions made to my account ; XXXX over a XXXX day period at stores many miles from my home. Moreover, they were made at stores selling to youths, I'm a senior citizen. 
The card was not given or loaned to anyone and was always in my possession. I suspect thieves discovered a way to replicate the chip system and it is on this basis that I believe Wells Fargo is denying my claim Also, my monthly average is less than {$400.00} per month, vs {$2500.00}, why wasn't an alert issued of unusual use? 
. What are my options? 




.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT MY ATTACHED ACCOUNTS LATE WHEN I HAVE NEVER BEEN LATE WITH MY PAYMENTS ON ATTACHED ACCOUNTS. EVEN AFTER SHOWING PROOF THAT I WAS NEVER LATE ON MY PAYMENTS THEY CONTINUE TO REPORT MY ACCOUNTS LATE EVEN AFTER BEING NOTIFIED AND SHOWING PROOF I WAS NEVER LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: PA

Complaint narrative:
b'DISCOVER CARD\nPOTENTIALLY NEGATIVE\n\nAccount Info\nAccount Name\nDISCOVER CARD\nAccount NumberXXXXAccount Type\nCredit card\nResponsibility\nIndividual\nDate OpenedXXXX\nStatus\nAccount charged off. $XX/XX/XXXX written off. $XXXX past due as ofXXXX XXXX\nStatus Updated\XXXX XXXX\nBalanceXXXX\nBalance Updated\XXXX\nRecent Payment\n-\nMonthly Payment\n-\nCredit Limit\XXXX\nHighest BalanceXXXX\nTerms\n-\nOn Record Until\XXXX XXXX\n\nPayment HistoryXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for the following account : XXXX XXXX ALL ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-08-12 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity
theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX  XXXX XXXX XXXXccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$53000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : This account is a result of human trafficking which is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited in person a {$10000.00} check from my mother and they told me the funds will be available the next day when I checked my account online checking I see that my account was froze. I went to the bank and they told me that my account was under investigation and they was gon na close out my account long story short they closed the account. I received a check for the funds that was already in there. I still havent seen my {$10000.00} from the check that my mom gave me and her bank been approved the amount that the money bill came out her account the following day after I deposit the funds into my account. Im still getting the runaround about where the money is. They keep telling me to call back. No ones really communicating with me and Im a little tired

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 monetary relief
Consumer complaint received 2025-08-12 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:
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
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to XXXX U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXXXXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of Inaccurate Late Payments & Account Information Under FCRA To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. to dispute and demand the removal of inaccurate and/or unverifiable negative items from my credit file. 

After reviewing my credit reports from your agencies dated XX/XX/XXXX, I have found inaccurate and unverifiable negative entries, including but not limited to late payments and derogatory notations on the following accounts : XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : These negative items are not being reported in compliance with the XXXX accuracy, completeness, and verification requirements. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. If the furnisher can not provide documented evidence of the alleged delinquency including signed contracts, payment histories, and communication records the account must be corrected or deleted. 

Further, under XXXX U.S.C. XXXX ( b ), you have a legal obligation to maintain maximum possible accuracy in your reporting. Reporting unverifiable or outdated negative information violates this section. 

Additionally, under XXXX U.S.C. XXXX ( a ), outdated or obsolete information must not be reported beyond the allowable time frame. If any of these late payments or derogatory marks fall outside the permissible reporting period, they must be removed immediately. 
Demand for Action : I am formally requesting : XXXX. Immediate deletion of the disputed late payment notations and any related derogatory remarks from my credit files. 
XXXX. Written confirmation of the results of your reinvestigation and an updated copy of my credit report, as required under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( ii ). 
XXXX. Notification to any party who has accessed my credit report in the past XXXX months that the disputed items have been removed, as permitted under XXXX U.S.C. XXXX ( d ). 

If these inaccuracies are not corrected within XX/XX/XXXX days as required by law, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my State Attorney General. 

This letter serves as my formal notice to you. Please respond in writing within the legally mandated time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of Inaccurate Late Payments & Account Information Under FCRA To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. to dispute and demand the removal of inaccurate and/or unverifiable negative items from my credit file. 

After reviewing my credit reports from your agencies dated XX/XX/XXXX, I have found inaccurate and unverifiable negative entries, including but not limited to late payments and derogatory notations on the following accounts : XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : These negative items are not being reported in compliance with the XXXX accuracy, completeness, and verification requirements. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. If the furnisher can not provide documented evidence of the alleged delinquency including signed contracts, payment histories, and communication records the account must be corrected or deleted. 

Further, under XXXX U.S.C. XXXX ( b ), you have a legal obligation to maintain maximum possible accuracy in your reporting. Reporting unverifiable or outdated negative information violates this section. 

Additionally, under XXXX U.S.C. XXXX ( a ), outdated or obsolete information must not be reported beyond the allowable time frame. If any of these late payments or derogatory marks fall outside the permissible reporting period, they must be removed immediately. 
Demand for Action : I am formally requesting : XXXX. Immediate deletion of the disputed late payment notations and any related derogatory remarks from my credit files. 
XXXX. Written confirmation of the results of your reinvestigation and an updated copy of my credit report, as required under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( ii ). 
XXXX. Notification to any party who has accessed my credit report in the past XXXX months that the disputed items have been removed, as permitted under XXXX U.S.C. XXXX ( d ). 

If these inaccuracies are not corrected within XX/XX/XXXX days as required by law, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my State Attorney General. 

This letter serves as my formal notice to you. Please respond in writing within the legally mandated time frame. 

Sincerely, 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 2025-08-12 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: VA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record all payments and credits. However, there are several violations in my case : payments I made were not properly recorded, calculation errors are present in the reported amounts, and I was not provided the required XXXX notice prior to a payment due date. As a result, any late payment reporting is invalid. 

These inaccuracies constitute clear violations of federal law and have caused unjust harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Inaccurate Late Payments and Collections under FCRA and FDCPA To Whom It May Concern : I am writing to formally dispute inaccurate and unverified information appearing on my credit reports with your bureaus. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following accounts are being reported inaccurately : XXXX. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Needs Attention XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX {$630.00} Needs Attention XXXX. Any late payments reported under XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, or other accounts reflected inaccurately. 

My disputes are as follows : These items are either inaccurate, unverifiable, or incomplete. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation within 30 days of receipt of this dispute.

If the furnisher of this information can not provide documented proof that these debts are valid, accurate, and reported in compliance with the law, they must be deleted immediately.

Under 15 U.S.C. 1692g ( b ), if a debt collector can not validate a debt, it may not be reported to any credit bureau.

Continued reporting of unverified or inaccurate information violates 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting information they know ( or should know ) is inaccurate.

I request the complete removal of the above-listed accounts and any associated late payments from my credit file. This includes removal from all three credit reporting agenciesTransUnion, Equifax, and Experian.

Please provide written confirmation of the results of your reinvestigation. If these items are not deleted within the statutory timeframe, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter serves as my formal request and dispute under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation