vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-09 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-09 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I wrote to collection company requesting a validation letter in XX/XX/year> for the amount owed of XXXX. I did not receive a validation letter. debt collection continues. this account is not mine and is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, I was a Bank of America User for the past few years ( Still am, since I haven't closed ). I'm originally from XXXX, but recently moved to XXXX due to a change in work location. But after moving, I locked all my cards to prevent companies from charging money for different services. But somehow, they still charged me. That's not the problem, I am ready to pay back the amount. Since I don't have any money left in my checking account, I will only be able to pay from my XXXX account, where BofA doesn't have the functionality to accept international payments. I don't have access to my US phone number as it is disconnected, so I am not able to log in to the website. I am using my BofA app on my phone to do the contacting. I tried to connect with representatives to resolve this issue, but none responded. I got an automated email saying I need to call in a number, which is unreachable from XXXX. My due amount was around XXXX dollars last XXXX. Now it's nearly XXXX dollars, as it now has timely repayment charges. On top, this is affecting my credit scores. I might not come back to the US, but I don't need any black mark in my credit history. Definitely, I can not pay back the charges that the bank added for the non-timely payment ; I can only pay back the amount I have spent. Either reduce the amount back to the amount I spend and give me a way to pay back the money, or completely waive off all the remaining money. I was a happy customer of BofA until a few months back, and still happy to use their credit card as it helped me a lot during my international travel, but there should be a way for me to pay back the money from an international account.

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 2025-10-09 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: AR

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion have failed to properly investigate, verify, or correct inaccurate and unverifiable information that remains on my credit reports. 
Despite my mailed dispute letters ( sent XX/XX/year> ) that fully complied with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both agencies continue reporting false and incomplete items. 

This failure violates 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), which require reasonable investigation and accuracy of reported information. 

Identity Theft Accounts XXXX XXXX Account # XXXX This account is not mine. I am a victim of identity theft and have already submitted an FTC Identity Theft Report as supporting evidence. This tradeline must be removed immediately from both Experian and TransUnion credit files. 

XXXX. Inaccurate Accounts XXXX XXXX XXXX XXXX Account # XXXX ( Experian )/ # XXXX ( TransUnion ) I requested validation from the creditor, but after more than 30 days, no proof of debt or signed consumer contract was provided. This account remains unverifiable and must be deleted. 

XXXX  XXXX Account # XXXX ( Experian ) No response or validation was ever received from the furnisher. This violates FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 807. The account must be deleted. 

XXXX. Paid Account Reporting Error XXXX  XXXX  / XXXX Account # XXXX ( Experian ) This account has always been paid as agreed and on time. Experians report inaccurately lists late or delinquent payment information. I am requesting this account be corrected to reflect Paid as Agreed / Never Late.

Statutory Violations Both Experian and TransUnion have violated : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate and correct inaccurate or unverifiable data.

15 U.S.C. 1681b : Reporting information without permissible purpose ( in identity theft instances ).

15 U.S.C. 1681c : Continued reporting of obsolete or incorrect information.

Their lack of proper investigation has negatively affected my credit score, financial opportunities, and access to housing and credit lines.

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 2025-10-09 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$670.00}

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX I noticed that there was an unauthorized transaction on my Wells Fargo account for {$4500.00}. The description of the transaction says XXXX XXXX so I looked at my XXXX XXXX and it shows XXXX transactions XXXX for {$2000.00} and XXXX for {$2500.00} which were sent to a XXXX account. I called Wells Fargo on the XXXX of XXXX and they said it was pending so they would look into it but never got back to me. When I called them wanting to make a claim on the XXXX they said it wasnt pending anymore but we can open a claim. On XX/XX/XXXX Wells Fargo denied my claim, saying there is no proof that it was fraud and that I should contact XXXX XXXX. I called XXXX XXXX and they didnt have any information for me besides to call XXXX. I called XXXX and they said they couldnt do anything about it because I dont have an account with them. I called each of these companies a minimum of 5 times each over the last month and a half. Today I called Chime and asked to speak with the XXXX Department and a lady named XXXX said they can not do anything because I dont have an account and that I need to talk to my bank. I called Wells Fargo and asked to speak to a supervisor and they transferred me over to XXXX who is XXXX level support for Wells Fargo, I told him that I would like to file for Regulation E dispute under the Electronic Funds Transfer Act. XXXX said I nor can anyone from Wells Fargo do that.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its establishment or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL NEGATIVE ACCOUNTS THAT ARE REPORTING INACCURATELY AND WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL NEGATIVE ACCOUNTS THAT ARE REPORTING INACCURATELY AND WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts that were negatively impacting my credit report. I requested a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and specifically asked Experian to provide documentation or verification supporting these accounts. 

Experian responded that the items were verified, yet failed to provide any proof or details explaining how the information was verified. This response does not meet the legal standards for a proper reinvestigation under 15 U.S.C. 1681i.

Experians failure to properly investigate and correct these inaccuracies has caused me emotional distress, reputational harm, and the loss of financial and housing opportunities. I have made every good-faith effort to resolve this issue directly, yet Experian has not fulfilled its legal responsibilities. 

I am requesting that the CFPB review this matter and require Experian to conduct a full reinvestigation, remove unverifiable accounts, and provide detailed written proof of their verification methods.

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 2025-10-09 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: MS

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX 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 2025-10-09 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-09 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: NY

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX has bought payday loan account from Community Choice Financial parent company of Check Into Cash from Iowa. Violation of Illinois Predatory Loan Prevention Act. Payday loan amount for a XXXX dollar payday loan with an Annual Percentage Rate XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agenciesEquifax, Experian, and TransUnionare reporting inaccurate, incomplete, and unverified information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple mailed dispute letters sent to each bureau in XX/XX/year>, they have failed to provide verification or remove inaccurate and unauthorized information. These errors have damaged my creditworthiness and interfered with my ability to secure credit and housing. 

Unverified and Inaccurate Accounts Several accounts ( including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on my reports despite being inaccurate, unverifiable, or falsely reported. 

I specifically requested validation of these accounts under FCRA Section 609 ( a ) ( 1 ) ( A ) and FDCPA Section 807, but none of the bureaus provided original signed contracts or applications proving their legitimacy. 

Identity Theft Accounts Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened without my authorization. I am a victim of identity theft and have already submitted an FTC Identity Theft Report to support this claim. These should be immediately removed from all credit reports. 

Unauthorized Hard Inquiries Each bureau lists multiple inquiries I never authorized, including inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. 

These constitute violations under 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) and 1681n for willful noncompliance. 

Medical Debt Reporting Violations Medical-related accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 U.S.C. 1681a ( 2 ) ( b ), which restricts the inclusion of certain medical information on consumer reports. 

Incorrect Personal Information Outdated and inaccurate personal dataincluding former addresses, incorrect employers, and unrelated locationscontinue to appear across all three reports. This violates FCRA 607 ( b ), requiring reasonable procedures to ensure maximum possible accuracy.

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