vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-07 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: InDebted Corporation
State: VA

Complaint narrative:
This complaint is directly related to my existing complaint, Case # XXXX. 

On XX/XX/scrub> 2025, I filed the above-referenced complaint against XXXX XXXX regarding an unauthorized bank withdrawal and their failure to honor a written payment agreement for Loan ID XXXX. 

On XX/XX/year>2025, I received an alert that XXXX reported this account as delinquent to TransUnion. This account is under a formal, active, and documented dispute. Reporting it as delinquent while the dispute is ongoing is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the creditor placed this disputed account with a third-party debt collector, InDebted USA , Inc. ( Consumer Reference XXXX XXXX XXXXXXXX ), which began collection activities against me. 

The creditor 's actions have now caused direct, tangible harm to my credit profile over a debt that is legitimately and formally disputed. I have a perfect paper trail, including a copy of their email confirming a later payment date, which proves the delinquency was reported in error.

I demand an immediate investigation into this improper use of my credit report and that the inaccurate delinquency be deleted from my XXXX XXXX and XXXX files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

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 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 2025-08-07 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/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 2025-08-07 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: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To : NCTUE XXXX National Consumer Telecom & Utilities Exchange ) XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Co. 
XXXX XXXX XXXX ( XXXX  ) Formal Request for Consumer File Update, Dispute of Inaccurate Reporting, Fraud Alert, Opt-Out, and Legal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

To Whom It May Concern, This letter is a formal notice and exercise of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal law. I am demanding the following actions be taken immediately in accordance with FCRA Sections 1681e ( b ), 1681g, 1681c-1, and 1681i.

Creditor XXXX XXXX XXXX XXXX Reported by : NCTUE Amount : {$960.00} Account Number : XXXXXXXX XXXX ( Partial ) Reason for Dispute : Inaccurate account reporting and/or identity-related error Legal Violation : FCRA XXXX1e ( b ) Failure to ensure maximum possible accuracy This account does not belong to me and is causing harm to my consumer file. If not removed within the mandated 4 day According to 605B reinvestigation window, this will constitute a willful violation of FCRA 1681n, subject to damages.

Under FCRA 1681b ( c ), I am opting out of all pre-screened credit and insurance offers. You must remove my data from all affiliate marketing, third-party list sales, or prescreen distribution services. This opt-out request applies to ALL entities listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 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 2025-08-07 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint and dispute regarding the inaccurate and inconsistent reporting of my WFBNA Auto ( Wells Fargo Bank , N.A . ) auto loan account on my credit reports with XXXX XXXX  and XXXX. 

Account Information : Creditor Name : WFBNA Auto ( Wells Fargo Bank , N.A . ) Account Number : XXXX Date Opened : XX/XX/XXXX Original Loan Amount : {$50000.00} Reported Balance : {$9500.00} Last Payment Made : XX/XX/XXXX Term : 72 months The Issues : There are critical discrepancies in how this account is being reported across credit bureaus : XXXX  reports the account as open with a balance of {$9500.00} and a payment status of In Collections/Charge-off. 
XXXX  reports the same account as closed, showing a charge-off of {$45000.00} and {$9500.00} past due. 
The payment history indicates a high rate of derogatory marks, despite my record showing 81 % of the loan has been paid. 
I have not received any documentation regarding repossession, settlement, or loan closure from Wells Fargo. 

This inconsistent reporting is misleading, damaging to my credit score, and in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

Consumer Law References : Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am exercising my rights under : Section 607 ( b ) which requires credit bureaus to maintain maximum possible accuracy of credit reports.

Section 611 which grants me the right to dispute any inaccurate or incomplete information.

Section 623 ( a ) ( 5 ) which requires furnishers to report accounts accurately, including status and balance.

What I Am Requesting : 1. That the CFPB contact Wells Fargo Auto ( WFBNA ) to initiate a full investigation.

2. That all credit bureaus be instructed to verify and correct this account, or delete it entirely if proper verification can not be provided.

3. That this issue be resolved within the legally required 30-day window.

4. That I receive written confirmation of the outcome from each party involved. 

Additional Notes : I have also submitted disputes directly with XXXX, XXXX and XXXX and I am contacting Wells Fargo directly by mail regarding this issue. Screenshots of the credit report discrepancies are available and can be provided as supporting documentation. 

Thank you for your assistance in protecting my consumer rights and ensuring that my credit profile is reported fairly and accurately.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2015, Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-07 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I created a checking and savings account with Ally bank recently to transfer my funds from an XXXX XXXX  account. I transferred my money from the XXXX  XXXX XXXX, I linked my Ally account with XXXX  and XXXX XXXX accounts and immediately my Ally bank account was locked due to suspicious activity which was yesterday on XX/XX/scrub> 2025. 

I called customer service multiple times today ( XX/XX/scrub> 2025 ), yet they provided very little to no relevant and helpful information about my account status. They do not even provide an estimate time of when my support case will be resolved by customers. They told me that they forwarded my information to another department which I can not confirm the authenticity of their statement because of the lack of a confirmation email. 

I have bills to pay soon and the payment of these invoices impacts my legal status of residing in the XXXX XXXX  This is very unprofessional and Ally needs to adjust their customer service structure.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CapitalHut Finance
State: IL

Complaint narrative:
Apply for XXXX XXXXXXXX XXXX through capital Hutt finance. Was told that I was approved for {$3000.00} and asked to confirm my personal information that I provided on the application. I provided my routing and account number and last 4 digits of my Social Security number via the application. Was told that I would receive the funds within the hour. The funds were not available. They called back to tell me that my bank declined their payment to me due to a low credit score. They asked me to cash a paper check that they would send out to me in which I declined. They were apprehensive about providing an address but the address given was XXXX XXXX XXXX, XXXX XXXX. The website given was XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 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: FL

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account with Chase bank on XX/XX//2025 and they sent me a notice that they decided to close all of my accounts associated with Chase Bank. I have never had an issue with the bank and they continue to close new accounts that I open within months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several Hard Inquiries that has been reported on my credit file, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts do not belong to me and was added without my authorization or knowledge. I lost my wallet a few years ago and have since noticed multiple unauthorized accounts and inquiries appearing on my credit reports. I have already taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ). My reference number is XXXX. I Contacted XXXX  and TransUnion by phone, informing them of this identity theft and disputing the validity of these inquiries. Contacted TransUnion, who acknowledged my identity theft report but have also not removed these hard inquiries. I am demanding immediate removal of these unauthorized inquries from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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