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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding XXXX  this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and XXXX  it's causing me.

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: CA

Complaint narrative:
I am requesting the immediate deletion of the inaccurate late payment entries from my credit report for the following accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX If the creditor can not provide documented proof that proper notice of the payment due date and late status was sent prior to reporting, the late marks must be removed permanently. I also request written confirmation of the deletions and an updated copy of my credit file within 15 business days.

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: 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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: TX

Complaint narrative:
This is a XXXX ( b ) complaint under the FCRA. On XX/XX/year>, XXXX XXXX XXXX XXXX placed a XXXX  inquiry on my credit report without my knowledge or consent. I did not apply for credit or authorize this inquiry, making it inaccurate and impermissible under FCRA XXXX. I request its immediate removal from all credit bureaus and written confirmation.

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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items on my Equifax credit file that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. These inaccuracies are causing harm to my creditworthiness and have persisted despite prior disputes and the submission of supporting documentation. 

1. Inaccurate Personal Information Equifax is reporting the wrong address and outdated personal identifiers. My correct address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Previous addresses, including XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, are inaccurate. In addition, my date of birth is incorrectly reported as XXXX ; the correct year is XXXX. Employment entries for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are false I have never been employed by these entities. 

XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reported as 60 days late in XX/XX/XXXX. The contract clearly shows a maturity date of XX/XX/XXXX, meaning no payment was due at the time alleged. This is a direct violation of FCRA XXXX ( a ) ( 1 ) ( A ) and Metro 2 Payment Status and Date Closed reporting requirements. I have provided the original contract, maturity date proof, and screenshots from XXXX XXXX XXXX confirming the error. 

XXXX. Failure to Correct After Prior Disputes I have previously disputed these items with Equifax, yet they remain on my report without proper reinvestigation or verification. Equifaxs failure to remove unverifiable or inaccurate information violates FCRA 607 ( b ), 611, and 623 ( a ), and demonstrates noncompliance with Metro 2 standards.

Demand for Correction I am requesting that Equifax : Correct my personal information as stated above. 

Update the XXXX XXXX XXXX account to reflect Paid as Agreed with no late payments, or delete it entirely if accurate reporting can not be verified with original documentation. 

Provide written confirmation of corrections and an updated credit report. 

Notify any third party that has received my report in the last six months of these corrections. 

This dispute is being submitted in good faith and is not filed in error, misrepresentation, or with intent to mislead. The facts and claims stated are accurate to the best of my knowledge, and I have enclosed verifiable documentation, including an FTC Identity Theft Report, XXXX XXXX XXXX contract and maturity statement, and Metro 2 compliance evidence, to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I recently exercised a 0 % APR balance transfer for XXXX months on my Wells Fargo credit card. Proceeding exercising this offer I made a purchase of {$900.00} on my Wells Fargo account. I made a call to customer service to determine the allocation of payment over the minimum amount. The first customer representative stated there is no control over the allocation of payments and what balance it is applied to. The XXXX that I requested, then stated the first representative was wrong. However, XXXX inquired about how the allocation of payment over the minimum amount due would be performed the XXXX, XXXX, stated not all of my payment would be allocated to the purchase with a higher APR. I referenced the credit card act of 2009 code XXXX regarding allocation of payments and asked XXXX if his company abide by government rules and regulations. While he said he they do he refrain from answering directly. What amount would be left to accrue interest if the minimum payment due was made plus the balance of the purchase balance. It appears Wells Fargo is attempting to navigate around roll XXXX by stating the entire balance must be paid to avoid accrual of interest, and therefore not allocating access payments to the highest APR 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 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: TX

Complaint narrative:
The inaccurate accounts continue to appear on my credit report and havent been removed. Because of this, I am asking for a detailed examination of the documents Ive included to ensure I dont have to worry about this issue 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: CORELOGIC INC
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX REPORTING ON TRANS UNION XXXX XX/XX/XXXX REPORTING ON TRANS UNION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$41000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$110000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$12000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XXXX REPORTING ON TRANS UNION XXXX XXXX XXXX XXXX XXXX ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX  XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: NH

Complaint narrative:
A few things noticed on credit report on XX/XX/XXXX XXXX XXXX XXXX same hard inquiries from same company XXXX, Also XX/XX/XXXX XXXX XXXX XXXX XXXX  has a hard inquiries not authorized by me or a dealer to pull a hard inquiries and I did call dealership and they noted it was there fault and it was to be a soft pull and was not, I also contacted XXXX and they are aware but told me I had to contact credit report to have it removed and they filed a complaint about the dealership who did the pull without my permission! Also I got a notification that XX/XX/XXXX a company called XXXX XXXX DID hard inquiry No idea who they are! Never authorized them!!! Also got notified on XX/XX/XXXX XXXX/XXXX  CONSTRUCTION DID A HARD INQUIRY WITHOUT MY PERMISSION AS I HAVE NO IDEA WHO THIS IS, and I have NOT AUTHORIZED ANYONE TO OPEN ANY ACCOUNTS!!! I report this as FRAUD AND WOULD LIKE THEM OFF MY REPORT PLEASE, all THIS INFO IS ON CREDIT KARMA AND MY XXXX  XXXX ACCOUNT

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 — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
A few things noticed on credit report on XX/XX/XXXX XXXX XXXX XXXX same hard inquiries from same company XXXX, Also XX/XX/XXXX XXXX XXXX XXXX XXXX has a hard inquiries not authorized by me or a dealer to pull a hard inquiries and I did call dealership and they noted it was there fault and it was to be a soft pull and was not, I also contacted XXXX and they are aware but told me I had to contact credit report to have it removed and they filed a complaint about the dealership who did the pull without my permission! Also I got a notification that XX/XX/XXXX a company called XXXX XXXX DID hard inquiry No idea who they are! Never authorized them!!! Also got notified on XX/XX/XXXX XXXX XXXX  DID A HARD INQUIRY WITHOUT MY PERMISSION AS I HAVE NO IDEA WHO THIS IS, and I have NOT AUTHORIZED ANYONE TO OPEN ANY ACCOUNTS!!! I report this as FRAUD AND WOULD LIKE THEM OFF MY REPORT PLEASE, all THIS INFO IS ON XXXX XXXX AND MY XXXX  XXXX ACCOUNT

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-08-12 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am trying to purchase a home but, I'm unable too. and unable to view my credit score on my report

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never been late. Ive always had a great payment history with XXXX XXXX, and all my payments were set up on autopay. The late payment showing up on my report is actually due to a system error on their side when processing my payment. This billing mistake is completely on the companys end and doesnt reflect how I manage my payments. It also violates the USC Code 1681eb.

Because of this error, Ive suffered serious damage to my reputation, character, lifestyle, and its affected my family too. I demand that this late payment be removed from my report immediately.

These companies arent following the law specifically 15 USC 1666b which requires creditors to have proper procedures before marking a payment as late. They never sent me the required periodic statements or disclosures at least 21 days before the payment due date, as mandated by 15 USC 1666b ( a ).

Ive asked them to provide proof that the statements were mailed or delivered on time, as allowed under rule 1002, but they have failed to provide it. This is unfair, illegal, and fraudulent. I expect the late payments to be deleted from my credit reports.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never been late. Ive always had a great payment history with XXXX XXXX, and all my payments were set up on autopay. The late payment showing up on my report is actually due to a system error on their side when processing my payment. This billing mistake is completely on the companys end and doesnt reflect how I manage my payments. It also violates the USC Code 1681eb.

Because of this error, Ive suffered serious damage to my reputation, character, lifestyle, and its affected my family too. I demand that this late payment be removed from my report immediately.

These companies arent following the law specifically 15 USC 1666b which requires creditors to have proper procedures before marking a payment as late. They never sent me the required periodic statements or disclosures at least 21 days before the payment due date, as mandated by 15 USC 1666b ( a ).

Ive asked them to provide proof that the statements were mailed or delivered on time, as allowed under rule 1002, but they have failed to provide it. This is unfair, illegal, and fraudulent. I expect the late payments to be deleted from my credit reports.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Good day, I can not overstate how distressing and unacceptable this situation is. To wake up and suddenly discover a debt I know nothing aboutunverified and not mineis both frustrating and deeply troubling. The repeated and varied attempts to contact me, including threats of legal action, are unwarranted and harassing. As a law-abiding consumer, I find these actions insulting and a blatant violation of my rights. 

This situation has affected my mental well-being and caused significant stress, including sleepless nights.

Company response to consumer: Closed with explanation