vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
After reviewing my credit reports from all three bureaus and I noticed that there were several items that were incorrect and I requested for them to be removed. all inquires I never give the credit permission to pull my credit and the I never gave the court NexisLexis permission to report my bankruptcies on there report and on the other three credit bureaus, I submitted a letter from court stating they never gave information the Nexislexis to report my bankruptcies and the account that was included on my bankrupties are still show on some of the credits bureaus. And for TransUnion I was in the settlement and received a check for the incorrection on bureau but the never removed any of inquiries and or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I've been getting emails from TrueAccord about a debt owed to XXXX XXXX XXXX for a year or two now on a debt I don't recognize and don't believe is valid. I finally replied and asked them for proof of debt, and received immediate response ( s ) saying all debt collections/notifications would stop while they requested this proof and provided here. After nearly two months, no proof has arrived and they have resumed their emails, in violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had my debit card hacked and uesed for XXXX rides in XXXX different states XX/XX/XXXX and XX/XX/XXXX, without my knowledge for over {$800.00}. Wells Fargo denied my claim and told me that they didn't see anything odd about it despite me telling them I was in the state ofXX/XX/XXXXand XX/XX/XXXX on those days not in XX/XX/XXXXor XX/XX/XXXX even having purchases made in those States. The attached document shows the fraudulent charges from other states highlighted in yellow, and highlighted in a different XXXX green my charges from the states I was in. I have family members, coworkers and my partner who can tell you where I was when these charges were made. I was traveling by car front XXXX XXXXXX/XX/XXXX to XXXXXX/XX/XXXX when the major of these changes where made. If you look at the bank statement attached you can see the gas charges and the hotel change in XX/XX/XXXX. I did not notice till Friday when I checked my account to make a larger purchase the next day which I had to delay do to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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 disputed multiple inaccurate and unauthorized accounts reporting on my credit file. I requested that the company provide documentation verifying that I opened or authorized these accounts, including original signed applications and account records. Despite my request, the company failed to provide any proof or supporting documents as required under the Fair Credit Reporting Act ( FCRA ). Instead, they marked the items as verified without investigation or proper documentation. 

I have already submitted written disputes and supporting evidence, including identity theft affidavits and proof of my identity, yet the company continues to report these accounts inaccurately. This has caused damage to my credit score and has made it difficult to obtain housing and credit.

I am requesting a full reinvestigation, deletion of all unverifiable or unauthorized accounts, and confirmation in writing that the items have been permanently removed in compliance with FCRA 605B, 609, and 611.

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 2025-10-19 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 disputed multiple inaccurate and unauthorized accounts reporting on my credit file. I requested that the company provide documentation verifying that I opened or authorized these accounts, including original signed applications and account records. Despite my request, the company failed to provide any proof or supporting documents as required under the Fair Credit Reporting Act ( FCRA ). Instead, they marked the items as verified without investigation or proper documentation. 

I have already submitted written disputes and supporting evidence, including identity theft affidavits and proof of my identity, yet the company continues to report these accounts inaccurately. This has caused damage to my credit score and has made it difficult to obtain housing and credit.

I am requesting a full reinvestigation, deletion of all unverifiable or unauthorized accounts, and confirmation in writing that the items have been permanently removed in compliance with FCRA 605B, 609, and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Demand Dear Portfolio Recovery I am writing to formally demand that you Cease and Desist from using my information obtained due to identity theft, and reporting without my written consent or having a contract with your office with my wet signature a letter was sent to your office XX/XX/year> to verification of your claims sent to the bureaus, still no respond.. 

This behavior constitutes a violation of Florida Statute XXXX & XXXX If you continue this behavior, I will be forced to take appropriate legal action to protect my rights. 

Accordingly, you are hereby directed to : Immediately stop using, report and or anything associated with my personal information Provide written assurance within XXXX days of the date of this letter that you will refrain from any further such actions This letter serves you as the final warning. If you do not comply with this request. I reserve the right to pursue all available legal remedies, including seeking monetary damages, injunctive relief, and recovery of legal fees. 

This is a serious matter. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
I am the victim of identity theft. My XXXX credit report contains multiple fraudulent accounts and unauthorized hard inquiries that were opened or made without my knowledge or consent. These include accounts reported by XXXX XXXX, XXXX XXXX XXXX, Regional Finance, and XXXX XXXX, along with numerous unauthorized auto loan inquiries. 

I have filed a police report and an FTC Identity Theft Report, both of which are enclosed. I also mailed a complete identity theft package directly to XXXX XXXX Department that includes my police report, FTC report, ID, XXXX, and proof of address. 

Under FCRA 605B and FACTA XXXX, I am requesting XXXX to immediately block, delete, and cease reporting all fraudulent accounts and hard inquiries tied to my stolen information. 

I request confirmation once these fraudulent items have been deleted and that XXXX stop sharing this information with any third parties or data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
Experian has not been uploading my accounts and mortgage data, which has hurt my XXXX score. I completed the terms and conditions of my bankruptcy in XX/XX/year> and am requesting that they upload my data so I can begin the process of rebuilding my credit. Despite patiently waiting for XXXX year for Experian to provide the missing information, I have not received any updates. 

Additionally, I attempted to initiate a dispute with Experian, but there are currently no accounts acknowledged that would allow me to do so. I also purchased an Experian premium membership in hopes of resolving this issue, but my credit report remains incomplete. I have made several attempts to contact Experian, but reaching them has been nearly impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
Experian has not been uploading my accounts and mortgage data, which has hurt my XXXX score. I completed the terms and conditions of my bankruptcy in XX/XX/year> and am requesting that they upload my data so I can begin the process of rebuilding my credit. Despite patiently waiting for XXXX year for Experian to provide the missing information, I have not received any updates. 

Additionally, I attempted to initiate a dispute with Experian, but there are currently no accounts acknowledged that would allow me to do so. I also purchased an Experian premium membership in hopes of resolving this issue, but my credit report remains incomplete. I have made several attempts to contact Experian, but reaching them has been nearly impossible.

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 2025-10-19 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: FL

Complaint narrative:
To : LEGAL DEPARTMENT TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX This letter is a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate reinvestigation and deletion of all inaccurate, unverifiable, and unauthorized negative entries on my credit file. According to my XXXX Three-Bureau Credit Report ( # XXXX, dated XX/XX/XXXX ), both TransUnion and Experian are reporting derogatory, delinquent, and other adverse data that are inaccurate and misleading. These inaccuracies have directly impacted my FICO scores ( TransUnion XXXX ; Experian XXXX ) and violate federal consumer protection laws. I. LEGAL BASIS FOR THIS DISPUTE 1. FCRA 1681e ( b ) You must maintain maximum possible accuracy.

2. FCRA 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation within 30 days.

3. FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable data must be deleted.

4. FCRA 1681c ( a ) Obsolete data can not be reported. 
XXXX. Case Law : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) XXXX. SPECIFIC INACCURACIES IDENTIFIED - Derogatory Accounts : TU lists XXXX, XXXX lists XXXX inconsistent. 
- Delinquencies : XXXX  lists 1, EX lists 13. 
- Outdated names/addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. 
- Fraud alert on Experian without verification.

III. DEMANDS FOR ACTION XXXX. Delete or correct all unverifiable or inconsistent data. 
2. Provide full method of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

3. Cease re-reporting unless certified ( 1681i ( a ) ( 5 ) ( B ) ).

4. Send updated corrected report within 30 days.

IV. NOTICE OF LIABILITY Failure to comply constitutes willful or negligent noncompliance ( 1681n, 1681o ), subjecting you to statutory and punitive damages.

V. CONCLUSION You are now on legal notice that these disputed items are inaccurate, unverifiable, and damaging to my creditworthiness. I expect full compliance within 30 days. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : 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 2025-10-19 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. 
Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 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 non-monetary relief
Consumer complaint received 2025-10-19 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sirs, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information reported in my credit report. The account in question appears reported by CAPITAL ONE with the following information : - Account number : XXXX - Date opened : XX/XX/XXXX - Credit limit : {$300.00} - Balance reported : {$460.00} - Status : Account charged off / {$460.00} past due. The errors I identify are as follows : 1. The reported balance exceeds the approved credit limit ( {$300.00} ), which indicates an error in the calculation or in the applied charges. 2. The account appears as " charged off '' since XX/XX/XXXX, however, it continues to report " past due '' in XX/XX/XXXX, which is contradictory. 3. There are inconsistencies in the status update dates ( XX/XX/XXXX ) and balance ( XX/XX/XXXX ). 4. The time to report the charge-off does not match the usual reporting guidelines ( 180 days ). I formally request that this information be verified with the original creditor. If it can not be accurately and documented, I request that it be removed from my credit history in accordance with the FCRA. I attach a copy of my identification and proof of address to validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
The account XXXX XXXX Account # XXXX was closed in XX/XX/XXXX, yet the credit report inaccurately reflects a past due status and updates as of XX/XX/XXXX. This constitutes inaccurate and misleading reporting, as a closed, charged-off account can not continue to accrue delinquency after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and up-to-date information, and 15 U.S.C. 1681i, which mandates deletion of unverifiable or inaccurate information. Because this account is being reported with incorrect dates and payment history, it can not be verified as accurate. I am demanding the immediate deletion of this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a dispute to Equifax regarding fraudulent accounts that do not belong to me. Along with my dispute, I provided a police report, an FTC Identity Theft Report, and proof of identity verifying the fraudulent nature of the accounts.

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation and correct or delete inaccurate information within 30 days. Additionally, FCRA 605B requires that any information identified as resulting from identity theft be blocked within 4 business days after receiving an identity theft report.

Despite this, Equifax has failed to complete the investigation or remove the fraudulent accounts within the statutory timeframe. These delays continue to harm my credit and cause ongoing frustration and financial stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon review, I discovered incorrect name variations, phone numbers, and addresses that are not associated with me. I respectfully request that these inaccuracies be investigated and permanently removed from my credit report promptly upon receipt of this dispute.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request assistance regarding a promotional offer that was supposed to be applied to my new account. 

Account application date : XX/XX/year>. 
Promo code confirmation date : XX/XX/year>. 
Follow-up call dates : XX/XX/XXXX and XX/XX/year>. 

On XX/XX/XXXX, I contacted Wells Fargo XXXX at XXXX and was informed that the promo code had been successfully applied to my new account. After meeting all the offer requirements, I waited for the bonus ( XXXX  ) to post. 

On XX/XX/XXXX, I called again and was told that my account did have a promo code attached, but that the bonus had not yet been fulfilled. After explaining that I had met all the qualifications, the representative acknowledged my eligibility and said they would submit a research request on my behalf. 

However, when I called again on XX/XX/XXXX, the representative claimed that no promo code was applied to my account and asked me to provide the code myself. They then refused to honor the promotional bonus, despite the previous confirmation and research submission. 

I was explicitly told that my promo code was applied and that I had completed all the requirements. I kindly request that Wells Fargo review my account history, including previous call records and notes from XX/XX/XXXX and XX/XX/XXXX, to verify that my promo code was acknowledged and a research case was initiated.

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