vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
I am disputing inaccurate personal information that remains on my credit reports with Equifax, TransUnion, and Experian. Specifically, the reports list multiple outdated and false addresses that do not belong to me. 

The only accurate identifying information that should appear on my consumer reports is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX All other addresses are incorrect and are continuing to cause serious harm because they are being used to associate me with negative accounts that are not mine. 

I submitted disputes to the credit bureaus in good faith, but instead of removing the false addresses, they either : Refused to delete them, Added additional addresses without my consent, or Stalled the process by asking for redundant documentation. 

This conduct violates : FCRA 1681i ( Reinvestigation of Disputed Information ) : The bureaus failed to properly investigate and correct disputed information within the statutory timeframe.

FCRA 1681e ( b ) ( Accuracy ) : The bureaus are not maintaining maximum possible accuracy by continuing to report false addresses.

FCRA 1681s-2 ( Responsibilities of Furnishers ) : By failing to ensure only accurate identifying information is reported. 

Because of these violations, my consumer report remains inaccurate, impairing my credit reputation and causing ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting under the FCRA To Whom It May Concern, I am disputing the accuracy of the following accounts reported on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the following entries are inaccurate, incomplete, and unverifiable : 1. XXXX XXXX XXXX - Account is reported as a Charge Off with inconsistent balances and high credit amounts. 
- Payment history continues to show Charge Off every month, which is inaccurate under FCRA 1681e ( b ) as the same event can not be re-aged repeatedly. 
- This reporting is misleading, incomplete, and must be deleted. 
2. XXXX XXXX XXXX - Account history shows multiple months marked as 30 Days Late while status is reported as Pays as Agreed, which is contradictory. 
- Narrative code lists Reinvestigation in Process, which is outdated and misleading, violating FCRA 1681c-2 and 1681i. 
- These contradictions render the account unverifiable and inaccurate, requiring immediate updating all years and all months in the payment history to " on time '', " never late ''. 
3. XXXX XXXX XXXX- - Account shows conflicting balances, with reported high credit and payment history data not matching. 
- Status does not align with payment activity, making it incomplete and unverifiable. 
- Under FCRA 1681e ( b ), the CRA is responsible for ensuring accuracy, which has not been met. 
4. XXXX XXXX/ XXXX XXXX - Reported with a balance but no last payment date or complete history. 
- Status shows 'Unpaid ' without proper supporting data, violating the accuracy requirement under FCRA 1681e ( b ). 
5. BANKRUPTCY US BANKRUPTCY COURT, XXXX ( Filed XX/XX/year> ) The record lacks proper identifying information to verify accuracy. 
- Public records provided by third-party data vendors ( like XXXX ) do not include full identifiers, making this unverifiable under FCRA 1681i. 
6. XXXX XXXX Collection account is showing no date of last payment, incomplete payment history, and unverifiable balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting under the FCRA To Whom It May Concern, I am disputing the accuracy of the following accounts reported on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the following entries are inaccurate, incomplete, and unverifiable : 1. XXXX XXXX XXXX - Account is reported as a Charge Off with inconsistent balances and high credit amounts. 
- Payment history continues to show Charge Off every month, which is inaccurate under FCRA 1681e ( b ) as the same event can not be re-aged repeatedly. 
- This reporting is misleading, incomplete, and must be deleted. 
2. XXXX XXXX XXXX - Account history shows multiple months marked as 30 Days Late while status is reported as Pays as Agreed, which is contradictory. 
- Narrative code lists Reinvestigation in Process, which is outdated and misleading, violating FCRA 1681c-2 and 1681i. 
- These contradictions render the account unverifiable and inaccurate, requiring immediate updating all years and all months in the payment history to " on time '', " never late ''. 
3. XXXX XXXX XXXX- - Account shows conflicting balances, with reported high credit and payment history data not matching. 
- Status does not align with payment activity, making it incomplete and unverifiable. 
- Under FCRA 1681e ( b ), the CRA is responsible for ensuring accuracy, which has not been met. 
4. XXXX XXXX/ XXXX XXXX - Reported with a balance but no last payment date or complete history. 
- Status shows 'Unpaid ' without proper supporting data, violating the accuracy requirement under FCRA 1681e ( b ). 
5. BANKRUPTCY US BANKRUPTCY COURT, XXXX ( Filed XX/XX/year> ) The record lacks proper identifying information to verify accuracy. 
- Public records provided by third-party data vendors ( like XXXX ) do not include full identifiers, making this unverifiable under FCRA 1681i. 
6. XXXX XXXX Collection account is showing no date of last payment, incomplete payment history, and unverifiable balance

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 2025-09-21 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: NJ

Complaint narrative:
I am disputing inaccurate personal information that remains on my credit reports with Equifax, TransUnion, and Experian. Specifically, the reports list multiple outdated and false addresses that do not belong to me. 

The only accurate identifying information that should appear on my consumer reports is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX All other addresses are incorrect and are continuing to cause serious harm because they are being used to associate me with negative accounts that are not mine. 

I submitted disputes to the credit bureaus in good faith, but instead of removing the false addresses, they either : Refused to delete them, Added additional addresses without my consent, or Stalled the process by asking for redundant documentation. 

This conduct violates : FCRA 1681i ( Reinvestigation of Disputed Information ) : The bureaus failed to properly investigate and correct disputed information within the statutory timeframe.

FCRA 1681e ( b ) ( Accuracy ) : The bureaus are not maintaining maximum possible accuracy by continuing to report false addresses.

FCRA 1681s-2 ( Responsibilities of Furnishers ) : By failing to ensure only accurate identifying information is reported. 

Because of these violations, my consumer report remains inaccurate, impairing my credit reputation and causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I had a Wells Fargo XXXX XXXX line of credit which had a {$0.00} balance. I just found out that this account was closed without any proper notification from Wells Fargo. This has negatively impacted my credit score. I received no notice that Wells Fargo was canceling lines of credit.

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 2025-09-21 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: GA

Complaint narrative:
My information was sold to a debt collector without my consent or signature saying it was ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX  and the furnisher XXXX XXXX XXXX XXXX XXXX  reports the collection account below as open/active, while other bureaus reflect closed : XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}, opened XX/XX/XXXX, original XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( per attached evidence ). I disputed with XXXX  and provided documentation XXXX XXXX XXXX  screenshot showing Closed and my ID/address ). XXXX  failed to accurately correct the status. 
Under FCRA 1681i and 1681s-2 ( b ), XXXX  and the furnisher must ensure maximum possible accuracy and correct inconsistent reporting. The ongoing open status is harming my mortgage prospects.

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 2025-09-21 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-21 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
According to 15 U.S.C.16818 a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681. I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they removed from my credit report immediately ; Transunion inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: TX

Complaint narrative:
XXXXMy account says that my card is invalid. I have called numerous times with hold times ranging up to 1 1/2 hours only to be hung  up on. I have received the most horrible Customer service I have ever encountered with the agents working for XXXX XXXX My account was invalidated I believe on Wednesday, the XXXX XXXX XXXX I have not been provided any information by the customer service agents I have been connected to. For about 3 days now I have been denied access to my money without being provided a reason therefore. The rudeness and outright disrespect of the agents I have talked to has been horrible. As a result of the unjustified locking of my account I have received fines and penalties totalling XXXX. This is unacceptable. Please apply your supervisory and/or regulatory authority on the direct express business in such a punitive manner so as to discourage any future illegal, devastating acts similar to this again. Thank You'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had to move out of the United States in XXXX and came back 1 week back ( on XX/XX/XXXX ). When I went to XXXX to buy a laptop on credit, they pulled my credit from Experian and communicated that, my credit file is frozen and so they can not provide me laptop on credit. On the same day, I contacted XXXX for a new phone connection. But they also communicated that, they can not give me post paid connection since my credit file is frozen. 

So I tried logging into Experian.com. Since my old password was not being taken, I tried with Retrieve Password option. I was asked to enter the linked phone number for getting the verification code. Since I was out of the country for 6 years, I had lost my mobile connection. But still I tried to enter my old phone number, but I got a message that, that number didn't match the record. 

So I tried calling Experian customer service to help. I called them at least 50 times in 5 days, but all the time, the automated AI redirected me to the help page, and never got the option to talk to a live agent. 

Since my credit file is frozen, I am also blocked from applying for US Driving License, because I am unable to get the required residential address proofs. 

So, I request help from the relevant authorities, to get help from Experian to unfreeze my credit file, as it's totally blocking all my rights in the US.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I asked for validation of debt and never received it. The are many inaccurate things reporting on my credit about this account which is causing harm. This is also causing a mental XXXX as a XXXX veteran. There are also several fcra laws violations. Request the account to be fully deleted from all 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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
usbank is not answering my phone calls. this feels like deliberate ignoring of my telephonic communication. us bank charged an externally linked account XXXX dollars an ach return fee, usbank promised to call back with information regarding this charge but they did not call back. the big issue is usbank does not admit to charging this fee. both usabnk app and external account app state this to be a usbank fee. transaction id is XXXX according to usbank, despite having the id for this ach transfer they have " no way to access this fee '' other than " coview '' which reveals the fee but does not provie a resolution, only provides excuses and promises to call back, i am free and clear to ask for a courtesy on this fee but usbank ignores and denies my ability to do so. my telephonic wasted time with them is over 4 hours. i have been hung up on at least 2 times,

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency Experian, XXXX and TransUnion. The failure to correct or remove this information after my attempts to resolve. This is a formal request for validation of the alleged debt, pursuant to the fair debt collection practices act ( FDCPA ) 15 us 1692G and 15 USC 1666a if a debt is charged off, that means the original creditor has written it off for taxes purposes.

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