vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: RI

Complaint narrative:
these accounts are caused by identity theft and fraud XXXX XXXX  Account # XXXX Date Opened XXXX XXXX, 2021  Balance {$1600.00} XXXX, XXXX None provided XXXX XXXX Account # XXXX Date Opened XX/XX/year> Balance {$3900.00} XXXX, XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX  F Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I have identified a fraudulent account on my credit file that I did not open or authorize. This item is false and must be addressed immediately to prevent further damage to my financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2024, Balance : {$590.00} XXXX  XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2024, Balance : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: WA

Complaint narrative:
FEDERAL LAW VIOLATION : Unauthorized Third Party Contact On XX/XX/year>, Shepard Outsourcing violated the Fair Debt Collection Practices Act ( FDCPA ) 804 ( a ) ( 1 ) by contacting my spouse via text message regarding an alleged debt without my prior consent, court authorization, or legal justification.

VIOLATION DETAILS : - Company : Shepard Outsourcing ( collecting for XXXX XXXX XXXX ) - Reference Number : XXXX - Original Creditor : XXXX XXXX XXXX  ( Account : XXXX ) - Current Creditor : XXXX XXXX XXXX ( Account : XXXX ) - Alleged Balance : {$620.00} FEDERAL LAW VIOLATION : Shepard Outsourcing sent a text message to my spouse 's phone number regarding this alleged debt. This contact occurred BEFORE they ever contacted me directly and WITHOUT providing the required validation notice under FDCPA 809 ( a ).

FDCPA 804 ( a ) ( 1 ) SPECIFICALLY PROHIBITS debt collectors from communicating with third parties about debts without : 1. Prior consent of the consumer ( NOT PROVIDED ) 2. Express permission of a court ( NOT OBTAINED ) 3. Legal authorization ( DOES NOT EXIST ) NONE of these exceptions applied to their illegal contact with my spouse.

AGGRAVATING FACTORS : 1. NO PRIOR CONSUMER CONTACT : They contacted my spouse BEFORE ever contacting me 2. NO VALIDATION NOTICE : They failed to provide the required FDCPA 809 ( a ) consumer notifications 3. PRIVACY INVASION : They disclosed private debt information to unauthorized third parties 4. FAMILY HARASSMENT : They subjected my family to debt collection harassment without legal authority EVIDENCE : I have preserved screenshots of the unauthorized text message to my spouse, including the timestamp and phone number. My spouse has provided a written statement confirming that no consent was ever given for this contact.

IMPACT : This violation caused significant emotional distress to both me and my spouse. The unauthorized contact invaded our privacy and subjected our family to debt collection harassment in violation of federal consumer protection law.

RESOLUTION SOUGHT : 1. Immediate cessation of all third-party contact 2. Written acknowledgment of the FDCPA violation 3. Complete removal of this account from all credit reporting agencies 4. Investigation of Shepard Outsourcing 's systematic third-party contact practices 5. Appropriate penalties for federal consumer protection law violations This violation demonstrates a pattern of disregard for federal consumer protection requirements and warrants immediate investigation and enforcement action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following account ( s ) reporting under my name and credit file. I am requesting immediate validation and proper investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Please provide documented proof of verification from the original creditor, not merely that the item was verified. Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are legally required to : Conduct a reasonable investigation within 30 days, Provide documentation showing who verified the item, and Delete any information that can not be verified.

If you can not produce proper verification and proof with supporting documentationnot a simple " verified '' responsethis account must be removed immediately as required by law.

Failure to comply with this request will result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. I am also prepared to pursue legal action under FCRA 616 and 617 for willful noncompliance and damages.

Please send the results of your investigation and all supporting documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a XXXX XXXX  adult who relies on small amounts of money earned from surveys and occasional help from my mother to afford basic necessities like food and medical co-pays. I am currently applying for XXXX benefits, but while I wait through the long approval process, I have no steady income. Every dollar I earn or receive is vital for survival. Wells Fargo has taken it all. 

Over the past year, Wells Fargo has charged monthly service fees to both my checking and savings accounts. These fees put my accounts in the negative, and then Wells Fargo added overdraft or non-sufficient funds fees on top of that. This has happened every month, and as a result, Wells Fargo has taken every dollar Ive had to my name this year, leaving me unable to afford medical care and basic needs. 

I have called Wells Fargo multiple times over the past year, clearly explaining my financial hardship and XXXX status. I am in a neck brace and dealing with severe health conditions. I explained that these fees are causing serious harm, but I was told repeatedly that nothing could be done because its the rules. No one helped me. 

The service fees are what caused the overdrafts, and then they continued to charge more fees for being overdrawn, creating a cycle I could not escape. Recently, I demanded help again, was given a case number, and was told someone would call me in two days. I have not received any refund or protection from future fees. 

I am requesting a full refund of all service fees and overdraft or non-sufficient funds fees charged to both my checking and savings accounts over the past year, and a permanent waiver of future fees due to my XXXX and financial hardship. Wells Fargo has caused ongoing financial and medical harm despite being repeatedly notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/year>2021 Amount : {$620.00} I was a victim of identity theft and previously disputed this account on my credit profile. It was removed last year, but now it has been reinserted and is severely affecting my life. Since it reappeared, Ive been unable to get approved for credit cards, secure an apartment, or finance a car. 

I contacted the XXXX XXXX XXXX XXXX, and they claimed the account was verified but that information is incorrect. The account was originally linked to an address that was not mine. Now, theyre saying my current address is associated with the account, which is false. I have no knowledge of this account, and I am requesting that this matter be thoroughly investigated and resolved. 

This issue is causing serious hardship, and I urgently need this account to be removed 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 2025-07-24 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
Additional information to complaint # XXXX I am disputing inaccurate and incomplete credit reporting related to a XXXX XXXX XXXX XXXX credit card account. 

Facts : I settled the account for {$1600.00} on XX/XX/year>, as confirmed by my XXXX XXXX bank statement ( attached ). 
XXXX XXXX issued IRS Form 1099-C showing they discharged {$1000.00} of the debt on XX/XX/year>. 
Therefore, the entire balance of {$3000.00} was resolved either through payment or discharge. 
Despite this, Equifax and Experian are reporting inaccurate data : Equifax falsely reports the account as open, with a {$3000.00} balance, and under dispute, which is incorrect. 
Experian shows the account as paid/closed, but still marks it as consumer disagrees, which is misleading. 
TransUnion correctly reports the account as paid in full and closed with a {$0.00} balance and no dispute language. 
I have tried to dispute this directly with the credit bureaus and XXXX XXXX. Equifax failed to correct or delete the inaccurate entry. This misreporting violates the Fair Credit Reporting Act, including 15 U.S. Code 1681s-2 for furnishing inaccurate information and failing to update after resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
Additional information to complaint # XXXX I am disputing inaccurate and incomplete credit reporting related to a XXXX XXXX XXXX XXXX credit card account. 

Facts : I settled the account for {$1600.00} on XX/XX/year>, as confirmed by my XXXX XXXX bank statement ( attached ). 
XXXX XXXX issued IRS Form 1099-C showing they discharged {$1000.00} of the debt on XX/XX/year>. 
Therefore, the entire balance of {$3000.00} was resolved either through payment or discharge. 
Despite this, Equifax and Experian are reporting inaccurate data : Equifax falsely reports the account as open, with a {$3000.00} balance, and under dispute, which is incorrect. 
Experian shows the account as paid/closed, but still marks it as consumer disagrees, which is misleading. 
TransUnion correctly reports the account as paid in full and closed with a {$0.00} balance and no dispute language. 
I have tried to dispute this directly with the credit bureaus and XXXX XXXX. Equifax failed to correct or delete the inaccurate entry. This misreporting violates the Fair Credit Reporting Act, including 15 U.S. Code 1681s-2 for furnishing inaccurate information and failing to update after resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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