vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from Amex. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from XXXX. I disputed it on XX/XX/XXXXXXXX  and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

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 2025-06-23 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: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from XXXX. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

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 2025-06-23 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: NE

Complaint narrative:
The listed delinquency and or the derogatory claims along with inquiries reporting are in fact FRAUDULENT and UNAUTHORIZED accounts. Under the FCRA LAW I am enforcing my rights. I demand the accounts listed to be properly blocked and removed immediately. I have disputed via mail and electronically with proof and I will include this report along with other proof to the CFPB. Please terminate XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, these are the two unauthorized accounts reporting. The inquiries are listed as 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 I DEMAND THAT THESE ALL ARE REMOVED.

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 2025-06-23 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: OR

Complaint narrative:
USC 1681a2, 1681S-2 ( B ), PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/scrub>XXXX XXXXXXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT XXXX FTC fraud REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ) , USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2, USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTSS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THESE ALLEGED DEBTS, DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acctS if you did you would know I NEVER GAVE CONSENT .DELETE NOW MY CONSUMER REPORT MUST BE ACCURATE AND COMPLETE SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
DIV ADJ SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research DIV ADJ SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
The accounts listed below were not opened by me. I have never had any dealings with the creditors mentioned, and these entries are fraudulent. In line with 15 U.S. Code 1681g, I request their immediate deletion within 15 days. Please refer to the attached documents as verification.

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 2025-06-23 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
The accounts I have attached were charged off and then they were repeatedly updated as charged off, this is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

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 2025-06-23 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: NY

Complaint narrative:
I am formally disputing and challenging all inaccurate, unverifiable, and undocumented information reported on my credit file. Your continued reporting of derogatory data without full factual validation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and Metro 2 Compliance standards as established by the XXXX XXXX XXXX XXXX ( XXXX ). 

The following personal information is inaccurate and must be corrected or permanently deleted : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX The following accounts are being disputed due to lack of full validation and Metro 2 compliance violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are being disputed as unauthorized and without permissible purpose under FCRA 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding full physical, certified, and factual documentation to prove : Permissible purpose for obtaining and reporting this information Full validation of any alleged debt obligations Compliance with Metro 2 format as mandated by the XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) Evidence of proper dispute investigation procedures under FCRA 1681i You are legally required to conduct a reasonable investigation into my dispute and address each disputed item individually, not through standardized, pre-written responses. Failure to conduct a proper investigation constitutes willful non-compliance under FCRA 1681n, exposing your agency to legal liability for actual, statutory, and punitive damages. 

If you are unable to fully validate each item listed, I demand the immediate and permanent deletion of these accounts, inquiries, and personal data from my credit report. This serves as my formal notice of intent to escalate through legal counsel should you fail to comply with federal law. 

You are required to respond in writing with full documentation and an updated copy of my credit report reflecting all corrections and deletions within the time prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX, Balance : {$4800.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
1. The name XXXX XXXX XXXX, and all derivations thereof, is not a personal asset or subject, but rather the property of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, duly established under common law and publicly noticed on XX/XX/year>. 

2. The Trust has perfected a UCC-1 Financing Statement filed with the Delaware Secretary of State, establishing a superior secured interest in all property, accounts, and intangible assets bearing the referenced entity name. This includes but is not limited to trade-names, data identifiers, and monetized or securitized profiles. 

3. TransUnion, despite formal and constructive notice of this Trust interest, continues to report adverse derogatory data under the referenced name without verified contract, full disclosure, or express consent from the Trust or its authorized representatives. 

4. This reporting constitutes a breach of fiduciary duty, invasion of trust property, and constructive fraud, wherein data is being published, syndicated, and sold contrary to the expressed lawful title, trust protections, and private interest.

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 2025-06-23 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-23 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: NE

Complaint narrative:
The listed delinquency and or the derogatory claims along with inquiries reporting are in fact FRAUDULENT and UNAUTHORIZED accounts. Under the FCRA LAW I am enforcing my rights. I demand the accounts listed to be properly blocked and removed immediately. I have disputed via mail and electronically with proof and I will include this report along with other proof to the CFPB. Please terminate XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, these are the two unauthorized accounts reporting. The inquiries are listed as 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 I DEMAND THAT THESE ALL ARE REMOVED.

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 2025-06-23 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: LA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of an online scam by a fraudulent company posing as a XXXX XXXX XXXX XXXX enrollment provider. On XX/XX/year>, I applied for what I thought was a new XXXX XXXX health plan through a deceptive website called openenrollment.healthcare. A representative spoke to me, claiming to work for the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and I was charged {$880.00} from my Wells Fargo account for a supposed health plan. 

After realizing I had been scammed, I contacted XXXXXXXX XXXX directly. They confirmed that the website I used is not affiliated with them, and that no application or policy was submitted on my behalf. I also logged into my XXXX XXXX account, where there is no record of any new plan or policy change. My previous plan is still active, confirming that the company took money and provided nothing. 

I immediately reported the fraud to Wells Fargo. The bank initially issued a provisional credit, but then later reversed the credit and closed my claim, stating I had not provided sufficient documentation. This is not true I submitted : A detailed letter outlining the scam Proof that the company impersonated XXXXXXXX XXXX XXXXXXXX from XXXX that I have no new plan I was explicitly told by the company that I was enrolling in and paying for a XXXX XXXX plan through XXXX XXXX  However, XXXX XXXX  confirmed that I can not enroll or change my plan at this time because it is not open enrollment. This company had no authority or ability to enroll me legitimately. Instead, they issued a non-XXXX, non-ACA discount health card ( XXXX XXXX XXXX ) that is not real insurance. This is a clear case of fraud, misrepresentation, and false advertising. 

I have been a Wells Fargo customer for over 20 years and have never had to file a fraud claim before. Despite doing everything right, the bank removed {$880.00} from my account, and I am now at risk of missing my mortgage payment as a direct result. 

I also called Wells Fargo again, spoke with representatives, and resubmitted my documentation. I have now filed a police report and am requesting your assistance. The bank 's decision to close the case contradicts both the facts and basic consumer protection standards. 

Please help me recover my funds and ensure that this fraudulent and deceptive practice, as well as the bank 's poor handling of fraud, does not continue unchecked. 

Thanks, 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 monetary relief