vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
Get my package Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Complaint Request for Removal of Negative Credit Items Caused by XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act, regarding the inaccurate, unverifiable, and harmful negative items currently reported on my Experian credit file. 

Background Due to a data breach and failure to safeguard my personal and financial information, multiple negative entries have been added to my credit report. These derogatory accounts are the direct result of inaccurate or unauthorized reporting, causing serious financial harm, emotional distress, and reputational damage. 

Negative Items Reported The following negative items appear on my Experian report dated XX/XX/XXXX : Collections : XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX debt buyer ) XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX ) Charge-Offs : XXXX {$2800.00} ( credit card, charged off ) XXXX XXXX  {$6500.00} ( charged off ) These entries are not supported by proper verification, and their continued reporting violates FCRA 607 ( a ), 609, 611, and 623.

Violations 1.FCRA 607 ( a ) : Failure to ensure maximum possible accuracy of consumer information. 
XXXX.FCRA 609 & 611 : Failure to provide complete documentation and lawful verification. XXXX.FCRA 623 : Furnishers reporting inaccurate, incomplete, and unverifiable data. XXXX.Privacy Failure : Breach of duty to safeguard my personal and financial data. Relief Requested I respectfully demand : XXXX.Immediate removal of all negative accounts listed above from my credit file. XXXX.Written confirmation from Experian and all furnishers that these accounts have been deleted. XXXX.Enforcement of penalties and corrective actions against those found negligent in safeguarding and reporting consumer information. XXXX.Assurance that no further unauthorized or unverifiable information will be reported. 

XXXX XXXX of my Experian, Transunion and Equifax credit report ( dated XX/XX/XXXX ) with negative items highlighted. 
Copy of government-issued ID and proof of address. 
Copies of prior dispute correspondence. 

I request urgent investigation and correction of these matters. Failure to act will result in further complaints to the Ohio Attorney XXXX XXXX XXXX XXXX and potential legal action. 

Thank you for your immediate attention to this matter. 

Respectfully, 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 2025-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and unauthorized information being reported on my consumer credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are negatively affecting my credit profile. 

Issues Identified 1. Wrong Addresses Reported XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX, CA XXXX Wrong Address These addresses have no connection to me, and their appearance on my consumer report is both misleading and harmful. 

Violations The credit reporting agencies are in violation of : FCRA 602 ( A ) : Failure to ensure fairness and accuracy in reporting.

FCRA 607 ( B ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 609 & 611 : Failure to properly investigate and remove unverifiable or inaccurate information.

FCRA 604 : Permitting unauthorized or incorrect association of addresses with my credit file.

Requested Action I request the CFPBs immediate assistance to : Remove the above-referenced inaccurate addresses from my consumer credit file. 

Ensure that credit reporting agencies maintain only accurate, verifiable personal identifying information. 

Hold the credit reporting agencies accountable for compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have done nothing wrong. My account was closed unjustly and for no reason from XXXX XXXX. So because of this I had to use my credit card because my funds were not available to me. So unfortunately I had to max out my credit card but ended up making a very large payment toward it not even a week later. Now for whatever reason I am being told that my account is being closed due to suspicious and unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against XXXX XXXX SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

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 2025-10-02 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-10-02 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: TX

Complaint narrative:
I am not connected to the referenced creditors and never gave consent for this inquiry. Please delete it from my 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 2025-10-02 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: FL

Complaint narrative:
On XX/XX/year> XXXX transactions were charged to my account at XXXX, XXXX, XXXX. A fourth was tried at XXXX which failed. I reported the incident at XXXX XX/XX/year>. Wells Fargo gave me the funds back after six business days and reversed their decision XX/XX/year>. Wells Fargo stated they validated the transactions because they were provided me billing address and email address. Even through the website and phone number doesn't exist. I provided clear proof that I was scammed. They used an email that was simular to a real one but removed the Y and I provided communication from the real company who seemed to have no idea there company was being used in 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 2025-10-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX Account No. XXXX To Whom It May Concern : I am formally disputing the account appearing on my TransUnion credit report from XXXX XXXX XXXX, Account No. XXXX, reported on XX/XX/XXXX. This account is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure maximum possible accuracy in the information you report. This account contains reporting errors including, but not limited to, inconsistencies in balance, payment history, and account status, as well as a lack of verifiable proof of contractual obligation. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], you must conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the furnisher of this data can not provide documented, written proof that I am legally responsible for this account, it must be immediately and permanently deleted from my credit report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits any data furnisher from reporting information they know or should know is inaccurate. Any continued reporting of this unverifiable account after receipt of this dispute will be treated as a willful violation, subject to statutory damages under FCRA 616617. If you fail to comply, I will escalate this matter.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I mailed formal disputes to Experian and TransUnion regarding an account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, balance {$3400.00} ). XXXX records confirm both companies received the disputes on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA 611 ), both bureaus were required to complete a reinvestigation and provide written results within 30 days of receipt, no later than XX/XX/year>. Neither Experian nor TransUnion provided the required results within that timeframe. 

On XX/XX/year>, I mailed follow-up non-compliance letters to both companies, demanding deletion of the account due to their failure to meet the XXXX statutory deadline. USPS records confirm delivery of these letters. Each letter provided an additional 7 days to respond. As of today, neither Experian nor TransUnion has provided the required investigation results or validation of the account.

This failure to reinvestigate and respond constitutes non-compliance with FCRA 611, and the continued reporting of this unverified account is causing ongoing harm to my credit profile. I consent to publishing this description on consumerfinance.gov so others may learn from my
experience, understanding that the CFPB will remove personal information but someone may still be able to identify me.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the {$150.00} referral bonus that I qualified for but have not received. 

When I signed up for Current, I used a referral code that clearly stated I would receive a {$100.00} bonus after completing a qualifying direct deposit of {$200.00} or more. On XX/XX/XXXX, I completed this requirement by receiving a direct deposit greater than {$200.00}. 

Despite meeting the stated terms, I have not received the {$150.00} referral bonus. I reached out to customer service regarding this matter, but my request was denied without valid justification. This is unacceptable, as I have fully satisfied the promotional requirements outlined at the time of enrollment. 

I am requesting that my account be credited with the {$150.00} referral bonus as promised. If this issue is not resolved promptly, I will have no choice but to escalate my complaint to consumer protection agencies and financial regulators. 


Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am disputing fundamental inaccuracies in my entire credit file due to a " mixed file '' and severe account errors. The credit bureaus are reporting my personal information incorrectly, including my date of birth and my name in multiple variations. This core failure has led to the following specific, serious violations : 1. Duplicate Reporting ( Equifax ) : The XXXX auto loan is reported twiceonce as an installment account and once as a collection accountfor the same debt. 
2. Inaccurate Account ( All Bureaus ) : The XXXX XXXX XXXX  credit card is reported as closed with a balance that exceeds the original credit limit. This is a mathematical impossibility.

3. Incomplete Information ( All Bureaus ) : The XXXX account is reported as derogatory but with a missing and incomplete payment history, making the status unverifiable. 

I have sent formal dispute letters via certified mail to their legal departments. The bureaus are violating the FCRA by failing to maintain reasonable procedures for accuracy and completeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Complaint Summary : XXXX XXXX XXXX and the credit bureaus are reporting late payments on my account despite being unable to provide procedural evidence required under 15 U.S.C. 1666b. This law clearly states that a payment can not be considered late unless the billing statement was mailed or delivered at least 21 days before the due date. No such evidence has been provided despite multiple disputes.

Requested Resolution : - Immediate deletion of all late payment notations from my Experian, Equifax, and TransUnion consumer reports. 
- Investigation into XXXX XXXX LLCs compliance with Truth in Lending Act and Fair Credit Reporting Act obligations. 
- XXXX action if willful noncompliance is established under 15 U.S.C. 1681n. 
This is a request for the CFPB to compel the deletion of inaccurate and unverifiable derogatory information and to ensure compliance with federal law.

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 2025-10-02 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I receoved notification that my information had been accessed via a breach in Transunions system then I saw these new items appear on my credit report items that I did not recognize. I contacted each vendor and they never listen to my say this is not me instead they kept pressuring me to make payments on cards that i have never had. I reached out the the credit bureaus and they said talk to the data furnisher who told me to talk to the crdit bureaus Im being run in a circle and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I was a victim of the TransUnion data breech I received a letter in the mail so I ordered my credit report and what I saw angered me. I called XXXXXXXX XXXX XXXX XXXX both appeared on my credit report and apparently have been for quite some time I don't really ever pull my report so I didn't know these accounts are not mine. I called XXXX XXXX and all they wanted me to do was to agree to pay something anything they wanted me to agree to make an arrangement on debt thats not mine well XXXX  was no better they both said dispute it with the Credit bureaus which I did I called all XXXX and all XXXX said call XXXX and XXXX. Im being railroaded by this entire system the credit reporting agencies are supposed to verify the information but they are veryinfing from the folks that have the stolen information so its a vicious circle and theres no relief for me. I need help please do something

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
I was a victim of the TransUnion data breech I received a letter in the mail so I ordered my credit report and what I saw angered me. I called XXXXXXXX XXXX XXXX XXXX both appeared on my credit report and apparently have been for quite some time I don't really ever pull my report so I didn't know these accounts are not mine. I called XXXX XXXX and all they wanted me to do was to agree to pay something anything they wanted me to agree to make an arrangement on debt thats not mine well XXXX  was no better they both said dispute it with the Credit bureaus which I did I called all XXXX and all XXXX said call XXXX and XXXX. Im being railroaded by this entire system the credit reporting agencies are supposed to verify the information but they are veryinfing from the folks that have the stolen information so its a vicious circle and theres no relief for me. I need help please do something

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