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

Complaint narrative:
My name is XXXX XXXX, and I am writing regarding late payments reported by XXXXXXXX XXXX on my credit report for account number XXXX. 
I understand the importance of accurate reporting, and I am not disputing the validity of the late payments. However, I respectfully request that, in light of the extraordinary circumstances I endured, XXXX, XXXX, Transunion consider working with XXXXXXXX XXXX  to remove or forgive these late payment entries as a goodwill gesture. This adjustment would greatly assist me in continuing on my path toward financial recovery and stability.

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 2025-09-09 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: FL

Complaint narrative:
Late Payment ( XXXX Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open - XX/XX/XXXX - Past Due : {$0.00} Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
Experian has failed to maintain accurate credit reporting on my student loan accounts and has improperly reintroduced a derogatory XXXX late mark tied to XXXX XXXX XXXX XXXX proof that the account was fully paid and closed. 

The issue is not whether I received billing notices. The issue is that I should not have owed XXXX anything after XX/XX/XXXX, when my federal loans were paid in full through consolidation, and subsequently refinanced through a private lender. Despite this, XXXX system kept a {$67000.00} consolidation loan open in forbearance for years, then suddenly reported it delinquent in late XXXX, demanded {$600.00}, and marked it as paid in full only after I paid under protest in XX/XX/XXXX. This reporting is inaccurate, misleading, and damaging. 

Most importantly, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) which is available to credit reporting agencies and servicersclearly shows that these loans were already paid in full. Experian failed to use this federal source to confirm accuracy before re-reporting the derogatory item. 

Impact : My credit score dropped nearly XXXX points, affecting my ability to secure credit and causing unnecessary stress 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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
XX/XX/XXXX contacted all XXXX credit bureaus to remove unknown credit collection accounts as any account Ive had is in good standing and do not recognize any of these agencies coming after me. I have been apart of several breaches of data since XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
The Company is Oliphant Financial LLC, and they have taken me to court a second time for this case that is Identity theft and fraud which I have proven but they still pursue me for money. The company is suing me even though this is now past the statute of limitations by 2 years and the case amount is inflated extremely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX Account Number XXXX XXXXXXXX

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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-09-09 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: TX

Complaint narrative:
XXXX XXXX TX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX CREDIT XXXX {$0.00} XXXX XXXX XXXX XXXX {$280.00} XXXX LONGVIEW XXXX - XXXX XXXX XXXX XXXX {$1300.00} I am demanding the immediate reinvestigation of the above-referenced account, which you have inaccurately reported as a charge-off. This reporting isfalse, incomplete, and unverifiable, and therefore in direct violation of my rights under theFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Grounds for Dispute ( FCRA 611 ) : 1.The account is listed as a charge-off without proper substantiation, making the entryinaccurate and misleading.

2.You are legally required to conduct areasonable reinvestigation within XXXX  days. 
3.I demanddocumented evidence, including the original signed agreement and a complete, itemized accounting of the alleged debt.

4.If you can not fully substantiate the accuracy of this charge-off with verifiable documentation, the item must beimmediately deletedfrom my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This communication is to dispute fraudulent accounts that appear on my credit report. These accounts do not belong to me and were never authorized in any way. Their reporting is completely inaccurate, highly damaging, and unjustified. The inclusion of false accounts not only undermines the integrity of my financial record but also places me at risk of ongoing harm and misrepresentation.

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 2025-09-09 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: PA

Complaint narrative:
I am following up on my dispute regarding the above-referenced account that was reinserted by XXXX XXXX XXXX XXXX XXXX ). As noted in my prior correspondence, this account was previously deleted but has since reappeared on my file without the required written notice of reinsertion, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 
Additionally, I have submitted a formal Debt Validation Request directly to XXXX under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Until XXXX validates this account, it may not continue collection activity, including credit reporting. If they can not validate, this account must be permanently deleted from my credit file. 
Therefore, I request that you : XXXX. Suspend or delete the reporting of this account while validation is pending. 
XXXX. Provide documentation showing the procedures you used to verify this reinsertion. 
XXXX. Supply the name, address, and telephone number of the furnisher who certified this reinsertion.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
VERY frustrated with Wells Fargo for multiple disputes and fraudulent purchases. 

There have been 4 disputes so far that Wells Fargo has not sent me ANY information on. When I try to dispute some of them online it says to call a certain phone number however I had XXXX  XXXX and can not make phone calls. Ive had people try to make them for me and we are on hold too long and have to give up. 

I managed to talk to someone about 1 dispute only and they said it would be temporarily credited while they investigate however NONE OF THE DISPUTES HAVE BEEN TEMPORARILY CREDITED AT ALL and I have no idea as to the progress or what they need since they do not contact me back and I have no other way to get in touch with them. 

With this uptick in fraudulent charges as well as new info on my credit report like addresses that aren't mine and loans applied for that wasn't me THIS IS VERY CONCERNING TO SAY THE LEAST since I pay these charges so my account isnt late but then they never credit me back when I dispute them because they are wrong or not mine! This is theft! 

Currently over {$5000.00} of these charges and that's a lot of money to have stolen from you by a giant corporation that makes it impossible to contact them!!!!

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 2025-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not obligated for the charges made with XXXX  and the report credited on my 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 2025-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting that I still owe target for XXXX $ balance, The balance was paid XX/XX/year> and I closed the account. There was no late payments. XXXX corrected the issue but Experian is still reporting inaccurately.

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 2025-09-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my second complaint regarding an account from XXXX XXXX that continues to be reported incorrectly across the credit bureaus. 

The balance shows as {$3100.00} in XXXX report and {$2900.00} in another. 

XXXX bureau shows it as an open collection, another as charged off, and another lists it as disputed. 

These contradictions mean the account is not being reported in a way that is accurate, consistent, or verifiable. 

The FCRA requires accurate reporting ( FCRA 607 ( b ) ), and XXXX XXXX guidelines require consistency across all reporting. These standards are not being met here.

Company response to consumer: Closed with explanation