vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX XXXX : XX/XX/XXXXXXXXXXXX   TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX MA XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-09 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX XXXX : XX/XX/XXXXXXXXXXXX   TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX MA XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX. 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 2025-07-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX XXXX : XX/XX/XXXXXXXXXXXX   TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX MA XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX. Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a charge back claim with Chase Debit card department over a month ago. My claim kept getting closed for various reasons. Chase did not contact me for any supporting documentation. My claim was re opened and again was closed. Last week I spoke with 2 customer service agents who said my claim should have never been closed, and they will work to re open it. Today, XX/XX/25 I was told charge back code 13.3 Service recieved but not as promised or described does not count for my claim, and it can not be re opened. Chase 's communication and lack of customer service has really shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I did not authorize any reporting of these inquiries or accounts. Additionally, under FCRA 605B, you are required to block any information that results from identity theft. These false counts must be removed from my credit report immediately. Request for Immediate Action : I request at all fraudulent accounts be removed from my credit report within 4 business days, as required by law. dditionally, I demand the following : Verification of the original agreements for any alleged accoun alidation of all debts in accordance with Generally Accepted Accounting Principles ( GAAP ). BIg move all fraudulent accounts from my credit report. Failure to comply with these requests with pecified timeframe will lead to further legal action, including pursuit of monetary damages, and i ou accountable for any fees resulting from your unlawful activities. Please provide me with the requested acumentation and evidence within the statutory timeframes, as outlined by federal law See attached

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 2025-07-09 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:
I did not authorize any reporting of these inquiries or accounts. Additionally, under FCRA 605B, you are required to block any information that results from identity theft. These false counts must be removed from my credit report immediately. Request for Immediate Action : I request at all fraudulent accounts be removed from my credit report within 4 business days, as required by law. dditionally, I demand the following : Verification of the original agreements for any alleged accoun alidation of all debts in accordance with Generally Accepted Accounting Principles ( GAAP ). BIg move all fraudulent accounts from my credit report. Failure to comply with these requests with pecified timeframe will lead to further legal action, including pursuit of monetary damages, and i ou accountable for any fees resulting from your unlawful activities. Please provide me with the requested acumentation and evidence within the statutory timeframes, as outlined by federal law See attached

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 2025-07-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, On XX/XX/year>, I received a phone call from Wells Fargo that my account was set to be permanently closed due to an alleged fraud claim related to a deposited check. I strongly dispute this claim and am requesting an immediate review. 
Summary of Events : I deposited a check u recieved from a woman for my caregiving services, on XX/XX/year>. 
Subsequently, she reported the check as fraudulent. As a result, Wells Fargo reversed the deposit and informed me that my account would be permanently closed due to check fraud. 
I have no involvement in any fraud. Instead, I am the victim of her retaliatory slander and threats as well as her committing financial fraud as well as manipulation and lies. I am requesting a thorough investigation and the calls made by this woman to Wells fargo on XX/XX/XXXX and XXXXXXXX XXXX  She authorized me as a user on her account and stated to a banker that she was trying to pay me for my services and my hard work, this alone is evidence that she is the one committing the fraud and owed me money and was trying to pay me. I have two other woman that I know that have came forward with allegations against this woman of fraud and trying to manipulate Wells fargos intelligence and to get refunded for different people and services she has paid for but then denies ever wanting the service and reports it as fraud or she files a claim to reverse the funds so she recieves the money back. It is absolutely illegal what she is doing and a report needs to be properly made against this individual to prevent her from carrying out more illegal activities successfully.

Her actions have caused severe financial harm, including Wells Fargos unilateral decision to close my account, emotional distress, and reputational harm.

Attached Evidence : A copy of the original deposited check and reversal notice.

A threatening voicemail she left, including audio file.

This account closure is causing irreparable damage to my finances and wellbeing. I respectfully request that Wells Fargo reopen my account immediately, restore any funds reversed, and investigate the fraud claim thoroughly. I am also willing to provide any further documentation or discuss this matter in detail.

If my appeal is not favorably resolved within 14 days, I intend to escalate and pursue legal remedies. I trust Wells Fargo will correct this situation promptly.

Thank you for your urgent attention to this matter. I look forward to a 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 2025-07-09 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: IN

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Formal Dispute of Collection Account Under FCRA ( 15 U.S.C. 1681i and 1681s-2 ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i and 1681s-2 I request that you conduct a reinvestigation of the following account and remove it if it can not be verified or is inaccurate. 
Disputed Account Details : Creditor / Collection Agency : 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 dispute this account on the basis that : It is inaccurate and/or incomplete ( e.g., incorrect dates, amounts, balance, or status ) ; It may be unverifiable, as required by 1681i ( a ) ; It may be obsolete and reportable beyond the legal time limits outlined in 15 U.S.C. 1681c ; The furnisher of this information may be noncompliant with their duty to report only accurate information under 1681s-2 ( a ) ( 1 ) ( A ).

In accordance with FCRA 1681i ( a ) ( 5 ), if the information can not be verified, it must be promptly deleted from my credit report. If the collection account is found to be inaccurate in any respect, I request full correction or permanent removal.

I also request : 1 The Assignment Contract and Bill Of Sale ; 2 Method Of Verification ; 3 Description of procedure ; 4 All of documentation retrieved during investigation ; 5 A copy of my updated credit report ; 6 The name and contact information of the furnisher who verified this account ; Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals OfficeXXXX XXXX XXXX XXXX XXXX BBB ), and the Federal Trade Commission ( FTC ) against your institution for investigation.

If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation.

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
There are Lots of hard inquiries on my credit report I dont know anything about any of them. I never gave permission and if this these companies cant provide proof on any of these inquiries, please remove all hard inquiries dont know anything about any of inquiries. I never gave authorization to those companies. These inquiries have hurt my credit score in XXXXXXXX XXXXXXXX  my score was XXXX now its XXXX please fix.

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 2025-07-09 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: NC

Complaint narrative:
There are Lots of hard inquiries on my credit report I dont know anything about any of them. I never gave permission and if this these companies cant provide proof on any of these inquiries, please remove all hard inquiries dont know anything about any of inquiries. I never gave authorization to those companies. These inquiries have hurt my credit score in XXXXXXXX XXXXXXXX  my score was XXXX now its XXXX please fix.

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