vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So I had credit card with Citi bank for about XXXX months. And everything was going well and I missed one payment and they just closed down my account. I called them multiple times asking for the reason and couldnt provide with anything beside saying we are going send you letter and this was about 3 months ago and never recieved it. Just called again and they saying same exact things also requested to reopen my credit card which I read online is possible with them. And they never reached back or never received any awners. Not sure how this bank handles things but this is not right

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed one dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over XXXX hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In 2017 I had a credit card with XXXX XXXX XXXX. The credit limit for this card was {$300.00}.. The car was used at a car rental place where the car was charged XXXX dollars. Although my credit limit was only {$300.00}, XXXX XXXXXXXX paid {$1100.00} and expected me to reimburse that amount I called XXXX XXXX provided the police report at the time eight years ago and advised them that there is another woman living in XXXX XXXX XXXX who actually lived on the next block from me Who had received my Social Security card from the mailman since he knew her and our names middle initial were the same. My name is XXXX XXXX XXXX, and her name is exactly the same. I advised XXXX XXXX that I did not make these charges and I did call the police and provided them with the police case number. The card was charged off eight years ago however, for some reason its only supposed to be on your credit for seven years. XXXX XXXX has added this card back to my credit report which has caused me to not qualify for the house that I was preapproved for if something is supposed to be on your credit for seven years. I am in awe that XXXX XXXX waited for eight years to have that added to my credit report again additionally, I have a brand new credit card from XXXX XXXX that I was approved for. How do you approve me for a credit card if I already owe you money for a credit card I am confused. I advised that this was fraud and XXXX XXXX ignored it and decided to destroy my credit instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown late payment history on TransUnion and Experian only Credit Card account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown late payment history on TransUnion and Experian only Credit Card account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown late payment history on TransUnion and Experian only Credit Card account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown late payment history on TransUnion and Experian only which is being inconsistently reported among the national credit bureaus.

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 2025-11-04 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-11-04 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: SC

Complaint narrative:
Re : Dispute of Negative Items on Credit Report Dear Sir/Madam, I am contacting you regarding my credit report, which I obtained on [ Insert Date ]. After reviewing the details, I have found several items I would like to dispute : XXXX. XXXX XXXX XXXX : This account shows as a collection, and I am requesting validation of the debt. Please verify this with the creditor and send me the relevant documentation. 
2. Delinquent Accounts : Some accounts are listed as 30, 60, 90, or 120 days past due. Please review these entries for accuracy, as I believe there may be discrepancies regarding payment history. 
XXXX. Charge-offs : A number of charge-offs are listed on my report. I request confirmation that the amounts are accurate and that the accounts have been properly marked with {$0.00} balances.

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 2025-11-04 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: GA

Complaint narrative:
I contacted the credit bureaus again about the information that is showing on my credit report, and it has not been removed or updated in accordance with the law. The law specifically states in plain language that once I invoke my " RIGHTS '' UNDER THE FAIR CREDIT REPORTING ACT, TO INCLUDE 15 U.S.C 1681C-2 ( FCRA 605C ), 1681I ( A ), 1681E ( B ), AND 1681C ( B ) AND UNDER THE TRUTH IN LENDING ACT 15 U.S.C. 1666 ( B ) AND REGULATION Z ( 12C.F.R 1026.5 ( B ) ( 2 ) ( ii ) ( a ). that pursuant to 15 U.S.C. 1681c-2 THAT THEY ARE REQUIRED TO BLOCK AND DELETE ALL INFORMATON IDENTIFIED AS RESULTING FROM IDENTITY THEFT WITHIN FOUR ( 4 ) DAYS OF RECEIVING A VALID IDENTITY-THEFT REPORT, PROOF OF IDENTITY, AND A WRITTEN REQUEST FOR BLOCK OR DELETION, FAILURE TO DO SO AND CONTINUED REPORTING OF SUCH DATA CONSTITUTES WILLFUL NONCOMLIANCE WITH 1681C-2 AND 1681i ( a ), and is subject to civil penalties under 1681n and 1681o. 

I have sent reports to all three ( XXXX ) bureaus with no updates, TransUnion only removed XXXX ( XXXX ) of the XXXX bankruptcies on my report even after receiving documentation that the information is not mines. 

The continued billing errors and misinformation and billing errors of late payments continue to adversely affect me and my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 contacted the credit bureaus again about the information that is showing on my credit report, and it has not been removed or updated in accordance with the law. The law specifically states in plain language that once I invoke my " RIGHTS '' UNDER THE FAIR CREDIT REPORTING ACT, TO INCLUDE 15 U.S.C 1681C-2 ( FCRA 605C ), 1681I ( A ), 1681E ( B ), AND 1681C ( B ) AND UNDER THE TRUTH IN LENDING ACT 15 U.S.C. 1666 ( B ) AND REGULATION Z ( 12C.F.R 1026.5 ( B ) ( 2 ) ( ii ) ( a ). that pursuant to 15 U.S.C. 1681c-2 THAT THEY ARE REQUIRED TO BLOCK AND DELETE ALL INFORMATON IDENTIFIED AS RESULTING FROM IDENTITY THEFT WITHIN FOUR ( 4 ) DAYS OF RECEIVING A VALID IDENTITY-THEFT REPORT, PROOF OF IDENTITY, AND A WRITTEN REQUEST FOR BLOCK OR DELETION, FAILURE TO DO SO AND CONTINUED REPORTING OF SUCH DATA CONSTITUTES WILLFUL NONCOMLIANCE WITH 1681C-2 AND 1681i ( a ), and is subject to civil penalties under 1681n and 1681o. 

I have sent reports to all three ( XXXX ) bureaus with no updates, TransUnion only removed XXXX ( XXXX ) of the XXXX bankruptcies on my report even after receiving documentation that the information is not mines. 

The continued billing errors and misinformation and billing errors of late payments continue to adversely affect me and my household.

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 2025-11-04 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: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-04 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-04 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: PA

Complaint narrative:
I am a consumer seeking to resolve several issues on my credit report that I believe to be inaccurate, incomplete, or misleading. Below is a detailed list of the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX  : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXXXXXX XXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXXXXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries : XXXX XXXX : Date Opened : XX/XX/XXXXXXXX XXXX : Date Opened : XX/XX/XXXXXXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX  : Date Opened : XX/XX/XXXX XXXXXXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  : Account Number : 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 2025-11-04 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: AZ

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 2025-11-04 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation