vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate, misleading, and inconsistent reporting of a XXXX  XXXX XXXX account on my credit reports. 

I have formally disputed this account with both Experian and XXXX  on XX/XX/year>2025. The account reflects different and conflicting statuses across credit bureaus : XXXX  does not report this account at all. 
Experian reports it as Paid, Closed. {$610.00} written off. 
XXXX  lists the same account as Charge-Off with a {$0.00} balance and marks as 120+ days late.

These inconsistencies raise serious concerns about the accuracy and integrity of the information being furnished to credit reporting agencies. According to FCRA 611, data that is unverifiable or inconsistent should be removed or corrected.

I requested reinvestigation and correction/removal of this derogatory item, but have not yet received a meaningful resolution.

I am requesting CFPBs assistance in having this matter properly investigated and ensuring that either : The account is updated to reflect a fully paid status with no delinquencies, or The account is removed entirely from my credit reports due to inaccurate or incomplete 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 2025-07-31 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I returned a 65 '' XXXX tv and soundbar to Best Buy. I thought I was done with them. 
Then I started receiving bills from Best Buy for the tv I returned. I kept going to the store where I purchased it and asked them to stop the billing. They wanted XXXX ( full price of tv ). I told them I was not going to give them money for something I no longer had. 
They refused to correct the problem. I made several trips to the store and spoke with the manager, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Best Buy ). I continued to get the same response.... they wanted XXXX. Then I got an email from my own bank, XXXX, that if I didn't pay the best buy invoices, it might affect my credit score. I texted the manager. No response. Ultimately, it did affect my credit. My credit score dropped from XXXX down to XXXX. 
I talked to XXXX, all kinds of protection agencies, no help. I had my credit score compromised for a tv that I returned. 
When talking to someone at Best Buy corporate, they told me that I was only refunded XXXX with a difference still left on the card of around XXXX. Why did they short me XXXX? I sent a text to the manager asking why they shorted me XXXX .. no reply. 

I have the return receipt, and screen shots of all the texts to and from XXXX XXXX, the manager. 

This has been very stressful. Best Buy told me that this was a " store issue ''. 
Please help me resolve this issue and restore my credit score back to where it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Delete this off my credit report on all 3 credit bureaus including XXXX  XXXX  XXXX  and even XXXX XXXX immediately bc your in violation of frca and I can report you to the frca, and irs bc of inaccurate reporting and since you didnt care that you report it on my credit I doubt you care if I report yall to the irs and frca

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary.

Thank you very much for your attention to 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 2025-07-31 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: NE

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, directly damaging both my credit and my score. I previously raised this issue with your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored these inquiries still appear on my report. This inaction is unacceptable. 

The continued presence of these potentially fraudulent entries raises serious concerns, including the possibility of identity theft. This unresolved issue is causing ongoing emotional 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 2025-07-31 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: NJ

Complaint narrative:
I am requesting the immediate and permanent deletion of all the fraudulent accounts and hard inquiries listed below from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c2. These items resulted from identity theft and were not authorized by me. The consumer reporting agency has already been provided with my FTC Identity Theft Report, government-issued ID, proof of address, and Social Security card .

The following items must be removed from my consumer report : Fraudulent Inquiries : XXXX ( Date of Inquiry : XX/XX/2023 ) XXXX XXXX  ( Date of Inquiry : XX/XX/2023 ) Fraudulent Accounts : XXXX. XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX  XXXX - Acct # : XXXX XXXX. XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX - Acct # : XXXX XXXX XXXX  XXXX  - Acct # : XXXX XXXX XXXX  XXXX  - Acct # : XXXX XXXX. XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX  - Acct # : XXXX XXXX. XXXX - Acct # : XXXX XXXX. XXXX XXXX  - Acct # : XXXX XXXX. XXXX  XXXX - Acct # : XXXX XXXX. XXXX  XXXX - Acct # : XXXX XXXX. XXXX - Acct # : XXXX Once deleted, I request an updated copy of my credit report confirming the removal of these items. 

If these accounts and inquiries are not removed, I will seek further remedies through federal and state consumer protection agencies, and, if necessary, pursue legal action for damages related to the ongoing harm caused by your failure to act on this identity theft 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 2025-07-31 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: GA

Complaint narrative:
XXXX XXXX has formally stated in a documented CFPB complaint response ( ID # XXXX ) that they do not recognize me, XXXX XXXX XXXX XXXX as their customer and therefore refused to respond to my dispute. 

Despite this official position, all three consumer reporting agencies are currently reporting a XXXX XXXX account under my name, which is now unsupported by the alleged furnisher and must be deleted in full under the Fair Credit Reporting Act. 

Please review the attached screenshot from CFPB complaint response showing XXXX XXXX  denial of any consumer relationship with me. 

This directly violates : 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Reinvestigation required when an account is disputed 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers not to report inaccurate information 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( D ) Duty to delete when inaccurate or unverifiable The CRA is now in possession of irrefutable evidence that the furnisher refuses to verify or acknowledge the account, and must therefore delete the account immediately under 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 non-monetary relief
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
My credit is important to me, and I have a genuine concern regarding the inaccurate information appearing on my credit report. These errors are causing constant XXXX, especially when Im denied approval for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one paid off our entire balance of {$6500.00} instead of making a minimal payment on XX/XX/year>2025, despite my efforts in asking capital one to stop the payment as well as XXXX XXXX, they continued to pull the amount that same day. I contacted capital one and filed an investigation to refund the payment, as my bank account was overdrafted. I was told that a refund should go through within 7 to 10 business days once the investigation is complete. Today, XX/XX/XXXX, they informed me that they will not be able to refund the payment leaving my bank account over drafted XXXX  with no details on why this request was denied. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on TD Bank that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimately 30 days late. 
I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate 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 2025-07-31 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: MD

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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'm writing to formally dispute the inaccurate late payments being reported on my credit file for the account with XXXX XXXX  XXXX XXXX  ( Account No. XXXX ), opened on XX/XX/year>2016. According to my personal records and payment history, I have never missed or been late on any payments for this account. These late marks are incorrect and should not be listed on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and EQUIFAX is required to investigate these claims. Reporting false late payments not only violates the FCRA but also harms my credit standing and causes unnecessary XXXX  and damage. I ask that you carry out a full investigation and verify this information with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-31 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: NJ

Complaint narrative:
Experian reported an incorrect credit card balance of {$810.00} for my XXXX XXXX XXXX card ( account ending in XXXX ) during the XX/XX/year> cycle. However, my official XXXX XXXX statement dated XX/XX/year>, shows the actual balance was {$0.00}, and the full payment of {$810.00} was received before the statement cutoff. 

This error caused a XXXX drop in my Experian FICO score, despite the fact that the data they reported contradicts what the lender actually provided. 

What Im Requesting : 1. Immediate correction of the XXXX XXXX balance reporting for the XX/XX/year> statement date it should reflect a {$0.00} balance, not {$810.00}. 
2. Immediate reversal of the negative FICO score impact. 
3. A written explanation from Experian regarding why their system reverted to an older XXXX balance and ignored XXXX Ones ( current ) correct XX/XX/XXXX reporting. 
4. Prevent further delays or unnecessary disputes, since this was a reporting system error, not a dispute-worthy issue.

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 2025-07-31 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/scrub>, 2025, I was contacted via mobile phone by Wells Fargo ( from the toll-free number on the back of my Wells debit card ) who called to report suspicious charges on my debit card made by XXXX & XXXX , an XXXX  XXXX  XXXX  XXXX, based in XXXX totaling {$6400.00}. I confirmed these charges were NOT made by me and entered the verification code texted to me by Wells Fargo to verify these charges were fraudulent. Suspecting something was wrong, within minutes of the call ( on XX/XX/year>2025 ) I reached out to Wells Fargo and filed a debit card fraud claim. However, Wells Fargo allowed the charges to be debited from my account, as well as charged me {$190.00} international transaction fees. After waiting 10 business days as instructed by Wells Fargo, I had not heard from them regarding my fraud claim, so I contacted them. I was then told by Wells Fargo that my claim was closed and that their " high dollar fraud team '' denied the claim, stating that they were not able to verify these charges as fraudulent. 

I strongly feel that this incident was only possible because of a data breach at Wells Fargo. The caller knew information about me, such as home address, transaction history on the card, and debit card number, that would not have been available unless there was a data breach of my private financial records at Wells Fargo Bank. And they reached me via the Wells Fargo phone printed on the back of my card and text number they always use to verify my identify when I sign on to my accounts as part of a two-step verification process. There was no way I could tell it wasn't actually Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief