vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report inaccurate and misleading information on multiple accounts I previously disputed. Despite my formal disputes, they have failed to correct or delete the items as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Accounts in Question : XXXX. XXXX XXXX XXXX Reporting contradictory dates ( Date of First Delinquency XX/XX/XXXX vs. account opening XX/XX/XXXX ). This is impossible, constitutes re-aging, and misrepresents the debt. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX, yet a Balance Date of XX/XX/XXXX is reported. This artificially re-ages the debt past the XXXX reporting limit. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ).

4. GFS II LLC ( Auto Loan ) Reported multiple charge-off codes after the initial charge-off, inflated past-due amounts, and re-aged balance update dates. The payment history also contains contradictory codes. These actions violate FCRA 1681e ( b ) and 1681s-2 ( a ).

Additional Issue Failure to Provide IRS 1099-C : For the accounts in collections and charge-off status, I have never received a 1099-C ( Cancellation of Debt ) form from the creditor or debt collector. If these debts were charged off or canceled, creditors were required by IRS regulations to issue a 1099-C for any amount over {$600.00}. Their failure to do so while continuing to report the debt as collectible is misleading, deceptive, and further evidence that these accounts are being mishandled in violation of consumer protection laws.

Legal Grounds : FCRA 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) Prohibits reporting adverse items older than 7 years.

FCRA 1681i ( a ) Requires reasonable reinvestigation of disputed items.

FCRA 1681s-2 ( b ) Requires furnishers to correct inaccurate or incomplete information.

FDCPA 807 ( 2 ) ( A ) Prohibits misrepresenting the legal status of a debt.

IRS Regulations Creditors and collectors must issue a 1099-C if a debt is canceled or charged off over {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report inaccurate and misleading information on multiple accounts I previously disputed. Despite my formal disputes, they have failed to correct or delete the items as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Accounts in Question : XXXX. XXXX XXXX XXXX Reporting contradictory dates ( Date of First Delinquency XX/XX/XXXX vs. account opening XX/XX/XXXX ). This is impossible, constitutes re-aging, and misrepresents the debt. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX, yet a Balance Date of XX/XX/XXXX is reported. This artificially re-ages the debt past the XXXX reporting limit. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ).

4. GFS II LLC ( Auto Loan ) Reported multiple charge-off codes after the initial charge-off, inflated past-due amounts, and re-aged balance update dates. The payment history also contains contradictory codes. These actions violate FCRA 1681e ( b ) and 1681s-2 ( a ).

Additional Issue Failure to Provide IRS 1099-C : For the accounts in collections and charge-off status, I have never received a 1099-C ( Cancellation of Debt ) form from the creditor or debt collector. If these debts were charged off or canceled, creditors were required by IRS regulations to issue a 1099-C for any amount over {$600.00}. Their failure to do so while continuing to report the debt as collectible is misleading, deceptive, and further evidence that these accounts are being mishandled in violation of consumer protection laws.

Legal Grounds : FCRA 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) Prohibits reporting adverse items older than 7 years.

FCRA 1681i ( a ) Requires reasonable reinvestigation of disputed items.

FCRA 1681s-2 ( b ) Requires furnishers to correct inaccurate or incomplete information.

FDCPA 807 ( 2 ) ( A ) Prohibits misrepresenting the legal status of a debt.

IRS Regulations Creditors and collectors must issue a 1099-C if a debt is canceled or charged off over {$600.00}.

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 2025-08-25 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: AR

Complaint narrative:
I submitted a formal dispute to TransUnion, Equifax, and Experian under FCRA 611 ( 15 U.S.C. 1681i ) regarding unauthorized hard inquiries, inaccurate addresses, and unverifiable account information on my credit reports. My dispute included supporting documentation such as an FTC Identity Theft Report ( XXXX XXXXXXXX ), proof of identity, and a letter clearly identifying the disputed items : 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 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 Balance : {$670.00} Despite this, the credit bureaus failed to properly investigate or remove the disputed information within the required 30-day period. The following items remain on my report : Unauthorized inquiries from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX Inaccurate addresses Ive never lived at Unverified collection and charge-off accounts that I did not open or authorize The failure to conduct a timely and reasonable reinvestigation is a direct violation of my rights under FCRA 611 , and it has caused ongoing harm to my credit profile and financial wellbeing.

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 2025-08-25 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: AR

Complaint narrative:
I submitted a formal dispute to TransUnion, Equifax, and Experian under FCRA 611 ( 15 U.S.C. 1681i ) regarding unauthorized hard inquiries, inaccurate addresses, and unverifiable account information on my credit reports. My dispute included supporting documentation such as an FTC Identity Theft Report ( XXXX XXXXXXXX ), proof of identity, and a letter clearly identifying the disputed items : 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 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 Balance : {$670.00} Despite this, the credit bureaus failed to properly investigate or remove the disputed information within the required 30-day period. The following items remain on my report : Unauthorized inquiries from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX Inaccurate addresses Ive never lived at Unverified collection and charge-off accounts that I did not open or authorize The failure to conduct a timely and reasonable reinvestigation is a direct violation of my rights under FCRA 611 , and it has caused ongoing harm to my credit profile and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-08-25 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-08-25 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: AK

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$9900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$29000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$58000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and misleading reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). This account was settled in XX/XX/XXXX with a {$0.00} balance, yet it continues to be reported as a charge-off with derogatory remarks and a written-off balance. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ), which requires furnishers to report accurate and complete information. By continuing to report this account as a charge-off after it was settled, XXXX XXXX is : Misrepresenting the legal status of the debt. 
Creating the false impression that I still owe on a closed account. 
Causing ongoing damage to my credit profile and financial reputation. 

I previously disputed this with the credit bureaus, yet the account remains inaccurately listed. This is not only negligent, but also willful misreporting. XXXX XXXX is obligated to update reporting to reflect the truth : that the account was closed, paid/settled, and carries a {$0.00} balance. 

I request immediate investigation and enforcement action to address this unlawful reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
My Identity was stolen, and fraudulent account was open in my name.

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 2025-08-25 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 was affected by the Equifax data breach. I submitted an FTC Identity Theft Report ( FTC Report No. XXXX, dated XX/XX/year> ) and supporting documents to Equifax, Experian and TransUnion. Despite this, they have failed to block fraudulent information and failed to reasonably investigate my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of 15 U.S.C. 1681c-2 ( FCRA 605B ) : Credit reporting agencies must block fraudulent accounts within XXXX business days of receiving an identity theft report. Equifax, Experian, and TransUnion failed to do this for fraudulent accounts with XXXX  XXXX, XXXX, and XXXX XXXX, and unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX. 
Violation of 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Equifax failed to remove or correct the fraudulent information, even after receiving valid identity theft documentation. 

Harm caused : Because of Equifaxs failure to protect my information and failure to comply with the FCRA : My credit scores are negatively impacted. 
I have been denied credit opportunities. 
I have suffered emotional distress and wasted significant time attempting to correct my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I was affected by the Equifax data breach. I submitted an FTC Identity Theft Report ( FTC Report No. XXXX, dated XX/XX/year> ) and supporting documents to Equifax, Experian and TransUnion. Despite this, they have failed to block fraudulent information and failed to reasonably investigate my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of 15 U.S.C. 1681c-2 ( FCRA 605B ) : Credit reporting agencies must block fraudulent accounts within XXXX business days of receiving an identity theft report. Equifax, Experian, and TransUnion failed to do this for fraudulent accounts with XXXX  XXXX, XXXX, and XXXX XXXX, and unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX. 
Violation of 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Equifax failed to remove or correct the fraudulent information, even after receiving valid identity theft documentation. 

Harm caused : Because of Equifaxs failure to protect my information and failure to comply with the FCRA : My credit scores are negatively impacted. 
I have been denied credit opportunities. 
I have suffered emotional distress and wasted significant time attempting to correct my reports.

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 2025-08-25 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:
On XX/XX/XXXX {$1500.00} was withdrawn from my wells Fargo checking account. on XX/XX/XXXX as soon as I noticed the charge, I contacted wells Fargo and informed them about the unauthorized transaction. I was told they would look into it and gave me a claim reference number and told me I can check the progress of the claim online. Nearly XXXX weeks later, when I tried to check the status of the claim, it had disappeared. Wells Fargo didn't bother contacting me about the progress or the final outcome. When I called them again, they said, oh, the claim was denied. They stated no reason, just that it was denied after their investigation. I've been with WellsFargo for decades with good standing, have both business and personal accounts and disgusted by how they fail to accept responsibility for clearly fraudulent transactions reported by their customers.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I never received the XXXXXXXX XXXX I purchased for {$2300.00}. According to UPS tracking, the package was marked as delivered on Friday, XX/XX/XXXX at XXXX XXXX, under my name. However, I never saw the UPS driver, I never presented my ID, and I never signed for the package. 

On XX/XX/XXXX at XXXXXXXX XXXX I immediately contacted both UPS and XXXX to report the issue. UPS opened a claim the same day but closed it the next day, stating proof of delivery with only my name listed. XXXX later closed their investigation about two weeks later, claiming I had received the merchandise, which is false. 

On XX/XX/XXXX, I contacted Affirm and opened a claim with supporting evidence that I never received the item. To this day, I have not received any resolution or response from Affirm, UPS, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-25 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief