vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: GA

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 GA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} INQUIRIES : XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 2025-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to demand the immediate removal of a credit inquiry on my report that is fraudulent and was never authorized by me. This inquiry was done without my knowledge or consent, and its presence on my credit file is not only incorrect but damaging to my creditworthiness. 

Let me be crystal clear : I did not initiate or approve this inquiry in any form. It is a clear case of unauthorized access or identity misuse. Because this inquiry is fraudulent, I require that it be deleted from my credit report immediatelynot marked as disputed or reviewed, but completely 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 2025-07-02 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: TX

Complaint narrative:
This is my formal complaint against EXPERIAN for its willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically for failing to respond to my request for a proper investigation as required under 15 U.S. Code 1681i. On XX/XX/year>, I submitted a detailed dispute letter along with a valid identity theft report ( Report XXXX. XXXX ). Despite this, EXPERIAN has continued to allow fraudulent accounts to remain on my credit file. These accounts were never authorized, and EXPERIAN failed to notify me or act promptly to prevent further damage, as mandated under FCRA guidelines. 

The presence of these inaccurate and fraudulent accounts is not only damaging to my creditworthiness but also reflects EXPERIAN 's negligent handling of consumer data. As a consumer, I expected EXPERIAN to uphold its responsibility to ensure the accuracy and integrity of the information it reports. By failing to delete or correct the disputed items in a timely manner, EXPERIAN has violated my rights under federal law. I respectfully demand immediate removal of the fraudulent accounts and a full reinvestigation in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX 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 : {$12000.00} Open Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Open Date XX/XX/year> 2022

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 2025-07-02 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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  Bankruptcy Bankruptcy Bankruptcy Bankruptcy

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 2025-07-02 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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  Bankruptcy Bankruptcy Bankruptcy Bankruptcy

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 2025-07-02 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: Central Portfolio Control Inc.
State: MO

Complaint narrative:
I didnt authorize this account to be opened in my name. Under the FCAR laws this a violation or my credit reporting rights. FCAR 605b - 15 U.S.C. 1681c-2, PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. Account : Central portfolio control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, my Truist credit card account of was charged off and sent to collections. However, during this same time frame, Truist continued to withdraw anywhere from {$200.00} up to {$600.00} from my bank accounts-sometimes twice a month-without clearly explaining the basis for these transactions. These unauthorized withdrawals totaled over {$6000.00} within a six month period. I have contacted Truist numerous times and was repeatedly transferred between fraud and collections departments, but no one could explain why the withdrawals continued after charge-off when I was able to speak to someone. Majority of the time, I was unable to speak to someone as I was held in queue-once was well over 45 minutes. Despite my financial hardship and request for help, I was offered unaffordable payment plans and given no alternative solutions. 

I have been unable to access my online Truist account to retrieve statements or confirm payment history. I attempted to reset my password, but the system signs me out each time. At this point, I have no access to my own records. 

Furthermore, the balance being claimed by the third party collection agency is significantly higher than what I remember owing before these repeated withdrawals. 

I believe Truist 's behavior may constitute unfair or deceptive financial practices and potentially unlawful post-charge-off collection activity. During the time frame this was occurring, I lived in dread of not having enough to provide food and lodging for myself as these withdrawals would be anywhere from XXXX % of my balance and one was even the entirety of my balance. This would often lead to a forced withdrawal from the line of credit that I had with Truist. Additionally, I had a loan through Truist that I had defaulted on during this same time frame, as the repeated and unexplained withdrawals left me unable to maintain payments across multiple accounts. At this point, I no longer even know which product the withdrawals were tied to-credit card, loan or line of credit-as all were impacted. I believe this constitutes an internal pattern of predatory collection practices and financial 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, Subject : Credit Complaint Urgent Review Requested I am writing to formally file a complaint regarding my current credit situation, which has been causing ongoing stress and frustration. Despite my efforts to manage my credit responsibly, I have noticed several issues that need to be addressed immediately.

First, there appear to be inaccuracies on my credit report that I do not recognize. These include [ insert specific items here if known, such as unfamiliar accounts, incorrect late payments, or duplicate entries ]. These errors are unfairly affecting my credit score and do not reflect my actual financial behavior.

In addition, I am currently working with limited credit resources, including two credit cards with very low limits and a balance with XXXX. Despite making consistent payments and being proactive about my financial obligations, it feels like my credit progress is being held back. I want to make sure that all my efforts are being accurately reported and that any negative or outdated items are corrected or removed. 

I am respectfully requesting the following actions : 1. A detailed review of my credit report for any errors or misreported items.

2. Prompt correction or deletion of any inaccurate or unverifiable information. 
3. Guidance or clarification regarding what steps I can take to effectively improve my credit under my current circumstances.

This letter should be treated as an official dispute under the Fair Credit Reporting Act ( FCRA ). I expec

t a response within the legally mandated 30-day period. Thank you for your attention to this matter. I am committed to improving my financial situation and would appreciate your assistance in making sure my credit report accurately reflects my efforts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 recently checked my credit report and noticed some fraudulent inquiries. please investigate and remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in a complaint for XXXX XXXX I wanted an investigation to verify if this debt belonged to me. However the company responded that I was a victim of fraud and they could not respond to the complaint.

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 2025-07-02 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Bank - XX/XX/year> {$690.00}. 

While attempting to contact XXXX Customer Service regarding a frozen account, I unknowingly called a fraudulent phone number I found through a XXXX search. The individual I spoke with falsely represented themselves as a support agent and gained remote access to my phone. They walked me through a series of actions, including transferring money through what I believed to be XXXX XXXX, under the guise of identity verification. As a result, I was manipulated into authorizing a transaction under false pretenses. I did not recognize the deception until after the transaction had been completed. I acted immediately, reporting the incident to Chase and XXXX XXXXXXXX XXXX XXXX XXXX Chase Bank and XXXXXXXX XXXX XXXX are denying my claim, stating, " I authorized this. " I was coerced, manipulated, or misled into making those transactions. This should fall under the Deceptive XXXX XXXX XXXX ( XXXX, This qualifies as deceptive conduct. I've tried to explain this to Chase Bank and Green Dot. I have made multiple phone calls to customer service, asking for the transactions to be stopped or for help with filing a fraud claim to obtain reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} TBOM/FORTIVA - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JAB, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-02 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has repeatedly refused to correct inaccurate and misleading credit reporting regarding an auto account they charged off in XX/XX/year>. Ive submitted multiple formal disputes, including detailed documentation outlining their procedural inconsistencies and failure to validate the debt under the standards required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

They responded through the CFPB portal using templated language and conflicting justifications. In their latest response ( Complaint ID : XXXX ), they claimed no Wells Fargo error occurred, while simultaneously admittingon recordthat they erred on the side of the customer regarding internal service failures. They also failed to address the fact that : The account was actively disputed yet still reported as accurateviolating FCRA 623 ( a ) ( XXXX ). 
Their provided validation lacks legal sufficiency under FDCPA 809 ( b ) as it does not include the required details to prove the debt is owed and accurate. 
Their stated charge-off date and default timeline do not align with the actual documentation, including bank statements and communication logs I provided. 
Wells Fargo has repeatedly evaded my requests for a fair, transparent investigation by reusing templated language and closing the case without considering new evidence. 
Their tone in the final response was dismissive, inflexible, and refused further review despite active and valid disputes. 

I have exhausted good-faith efforts to resolve this matter through their Executive Office and via CFPB channels XXXX This re-reporting continues to cause harm to my credit profile and is being treated as settled fact despite unresolved disputes and statutory obligations they have ignored.

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