vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-12 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: CT

Complaint narrative:
To Whom It May Concern at the CFPB, I am writing to submit my final demand regarding Experians failure to properly respond to my previous disputes. Despite multiple attempts to request full disclosure of the steps taken in their investigation, Experian has failed to provide any documented evidence or clear explanation. 

Their lack of response demonstrates a disregard for both federal compliance obligations and my rights under the Fair Credit Reporting Act ( FCRA ). As a business owner managing sensitive medical deliveries under HIPAA and XXXX XXXX compliance, maintaining an accurate credit profile is critical to securing insurance and vendor contracts. 

Given Experians unwillingness to communicate or validate their process, I respectfully request that the CFPB rule in my favor and compel Experian to either provide a transparent report of their investigation or remove the disputed information from my credit file. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CT 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 2025-07-12 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: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXXXXXX XXXX. This account, listed with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This fraudulent account originated in XX/XX/XXXX and was discovered in XX/XX/XXXX. 
Despite submitting documentation and alerting XXXX XXXX XXXX, they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), and they continue to inaccurately report this account as valid. This constitutes a violation of my rights under : - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block - 15 U.S. Code 6802 : Protection of Nonpublic Personal Information - 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to report accurate information - Uniform Commercial Code ( UCC ) 3-501 : Demand for proof of obligation - Cease and Desist under 15 U.S. Code 1692c ( c ) : Communication restrictions In accordance with FCRA 605B, I request the immediate blocking and permanent removal of this account from my credit file. You are required by law to block such information within four business days of receiving proper documentation. Included with this letter are : - A copy of my government-issued ID - Proof of address - The official FTC Identity Theft Report - A copy of the fraudulent account entry as it appears on my credit report I am demanding that all three bureaus - Equifax, TransUnion, and Experian - cease reporting this fraudulent account immediately. Failure to comply may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send me written confirmation that this account has been removed from my file. If you need further information, do not hesitate to contact me.

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-12 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: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXXXXXX XXXX. This account, listed with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This fraudulent account originated in XX/XX/XXXX and was discovered in XX/XX/XXXX. 
Despite submitting documentation and alerting XXXX XXXX XXXX, they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), and they continue to inaccurately report this account as valid. This constitutes a violation of my rights under : - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block - 15 U.S. Code 6802 : Protection of Nonpublic Personal Information - 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to report accurate information - Uniform Commercial Code ( UCC ) 3-501 : Demand for proof of obligation - Cease and Desist under 15 U.S. Code 1692c ( c ) : Communication restrictions In accordance with FCRA 605B, I request the immediate blocking and permanent removal of this account from my credit file. You are required by law to block such information within four business days of receiving proper documentation. Included with this letter are : - A copy of my government-issued ID - Proof of address - The official FTC Identity Theft Report - A copy of the fraudulent account entry as it appears on my credit report I am demanding that all three bureaus - Equifax, TransUnion, and Experian - cease reporting this fraudulent account immediately. Failure to comply may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send me written confirmation that this account has been removed from my file. If you need further information, do not hesitate to contact me.

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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 have never owed this company anything. This is identity theft and I have never given this company my personal information. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the XXXX Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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 am writing to formally notify you that I am a confirmed victim of the XXXX Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-07-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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 writing to dispute a hard inquiry listed on my credit report which I did not authorize. There has been no communication, application, or relationship with the company that generated this inquiry.

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 2025-07-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request under FDCPA Account # * XXXX To Whom It May Concern, This letter is a formal request for validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this alleged debt. 

Details as reported : Original Creditor : XXXX XXXX  Balance : {$13000.00} Account Number : * XXXX Collection Reported : XXXX Please provide : The original signed contract or agreement bearing my signature Full payment history Proof that you are authorized to collect this debt Evidence of assignment or purchase of the debt from the original creditor If you can not provide sufficient documentation, please cease all collection activities and remove this account from any credit bureau reports where it has been reported. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I was scammed through a XXXX transaction totaling {$620.00}. I agreed to purchase two tables listed on the XXXX XXXX for {$300.00} from someone named XXXX ( phone : XXXX ). She claimed she couldn't come to pick them up herself and would send a mover. She then sent me a check for {$920.00} and asked me to give {$620.00} in cash to the mover when he arrived. 

The mover, who went by the name XXXX ( phone : XXXX ), requested that I send him {$620.00} via XXXX before pickup. Although I hesitated, he pressured me, and I eventually sent {$300.00} and {$320.00} separately through XXXX. Later, I learned that the check XXXX gave me was fraudulent and had bounced. 

I filed a fraud claim with Wells Fargo for both transactions. However, they denied both claims, stating the XXXX transfers were authorized. XXXX later deactivated the account ( XXXX XXXX, email : XXXX ), and the XXXX account used by XXXX was also suspended for fraudulent activity. 

I also reported the incident to local police ( Case # XXXX ), but my bank has not provided any resolution or recovery of funds.

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 2025-07-12 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQURIES : 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 2025-07-12 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:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediatelyXXXX 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

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 2025-07-12 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediatelyXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I filed a dispute for inaccurate hard inquiries with Experian the results came back the same day. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable hard inquiries unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed hard inquiries, as Experian 's inaction violates federal law and my rights as a consumer.

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