vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a closed line of credit originally issued by XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX with a credit limit of {$5000.00}. The account was reported closed in XX/XX/XXXX with a {$0.00} balance and noted as sold to XXXX XXXX. 

However, XXXX and XXXX late payments were reported for XXXX and XX/XX/XXXX after the account was already in the process of being closed or transferred. My final payment was made in XX/XX/XXXX, and no further activity occurred from me that would justify these delinquencies. 

After the account was sold, I received no debt validation, notice of rights, or supporting documentation from XXXX XXXX. As a consumer, I have the right to receive accurate, non-misleading credit reporting and to have any alleged debt properly validated. 

This inaccurate and misleading reporting is damaging to my credit and constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

If these inaccurate and unverifiable late payments are not removed immediately, I am prepared to pursue legal action. I have already retained counsel and have filed the necessary steps to proceed under federal consumer protection law. I reserve the right to seek actual, statutory, and punitive damages, including attorney fees, under the applicable sections of the FCRA and FDCPA. 

I request an immediate investigation and removal of the false derogatory marks from my credit reports. Failure to correct this information will result in further legal and financial consequences.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a closed line of credit originally issued by XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX with a credit limit of {$5000.00}. The account was reported closed in XX/XX/XXXX with a {$0.00} balance and noted as sold to XXXX XXXX. 

However, XXXX and XXXX late payments were reported for XXXX and XX/XX/XXXX after the account was already in the process of being closed or transferred. My final payment was made in XX/XX/XXXX, and no further activity occurred from me that would justify these delinquencies. 

After the account was sold, I received no debt validation, notice of rights, or supporting documentation from XXXX XXXX. As a consumer, I have the right to receive accurate, non-misleading credit reporting and to have any alleged debt properly validated. 

This inaccurate and misleading reporting is damaging to my credit and constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

If these inaccurate and unverifiable late payments are not removed immediately, I am prepared to pursue legal action. I have already retained counsel and have filed the necessary steps to proceed under federal consumer protection law. I reserve the right to seek actual, statutory, and punitive damages, including attorney fees, under the applicable sections of the FCRA and FDCPA. 

I request an immediate investigation and removal of the false derogatory marks from my credit reports. Failure to correct this information will result in further legal and financial consequences.

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 2025-07-30 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 have no knowledge of these inquiries or the parties involved. I respectfully ask for their removal from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
XXXX fraudulent collection accounts from " XXXX XXXX XXXX '' were added to my credit reports without my authorization. I submitted a formal identity theft dispute to both TransUnion and XXXX  on or before XX/XX/year>, including my FTC Identity Theft Report, photo ID, and proof of address. Under federal law ( FCRA 1681c2 ), these accounts were supposed to be blocked and deleted within XXXX business days. 

As of XX/XX/year>, both accounts still remain on my reports : XXXX shows a {$630.00} balance with a last update of XX/XX/year>. 

The other shows a {$300.00} balance with similar verification dates. 

I followed all legal steps and submitted required documents, but the credit bureaus have not removed the accounts. Their continued reporting violates the Fair Credit Reporting Act and is negatively impacting my credit. 

PLEASE SEE ATTACHMENTS BELOW!

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 2025-07-31 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:
XXXX fraudulent collection accounts from " XXXX XXXX XXXX '' were added to my credit reports without my authorization. I submitted a formal identity theft dispute to both TransUnion and XXXX  on or before XX/XX/year>, including my FTC Identity Theft Report, photo ID, and proof of address. Under federal law ( FCRA 1681c2 ), these accounts were supposed to be blocked and deleted within XXXX business days. 

As of XX/XX/year>, both accounts still remain on my reports : XXXX shows a {$630.00} balance with a last update of XX/XX/year>. 

The other shows a {$300.00} balance with similar verification dates. 

I followed all legal steps and submitted required documents, but the credit bureaus have not removed the accounts. Their continued reporting violates the Fair Credit Reporting Act and is negatively impacting my credit. 

PLEASE SEE ATTACHMENTS BELOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX, my XXXX federal account was hacked after I misplaced my purse and someone deposited a fake check into my account without my knowledge. 

In XXXX of XXXX, I applied to a work from home job through indeed. The job sent me a check for {$3900.00} dollars in the mail so I could buy my work from home supplies. The job insisted for me to deposit the check into my account and then transfer money from my account to another account by the name of XXXX XXXX. Not only was XXXX scam, I also lost out on {$770.00}. XXXX that I myself had in my account already. I filled a police report and but they couldnt do much at all. Yes I still have documents showing proof

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 2025-07-30 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-30 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 have identified incorrect accounts on my credit report that need to be addressed and corrected by your company.

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 2025-07-30 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: DC

Complaint narrative:
Equifax, TransUnion, and Experian have failed to initiate or complete a proper reinvestigation and are continuing to report negative information that is inaccurate and unverifiable. This is unacceptable and unlawful under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a detailed dispute with supporting documentation including a government-issued ID, matching address, full legal name, date of birth, and Social Security number ( I included the exact photocopy id I used for all below ). Despite this, the information was either ignored, dismissed without investigation, or falsely verified as accurate, without providing any actual documentation or proof of verification. In Equifaxs case, they even claimed they could not verify my identity, despite receiving the same valid documents that were accepted by Experian and TransUnion. It raises concern about how Equifax is handling identity verification and dispute resolution in compliance with FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ), which require a reasonable reinvestigation and proper notice to the data furnisher.

This is not a new dispute. I am not initiating another dispute. I am demanding deletion. These accounts have already been disputed and remain on my report without legitimate verification. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be removed.

The information has remained on my credit file despite their inability or refusal to produce any documentation validating the late payment reporting. This is willful noncompliance, and deletion is now the only acceptable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
Equifax, TransUnion, and Experian have failed to initiate or complete a proper reinvestigation and are continuing to report negative information that is inaccurate and unverifiable. This is unacceptable and unlawful under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a detailed dispute with supporting documentation including a government-issued ID, matching address, full legal name, date of birth, and Social Security number ( I included the exact photocopy id I used for all below ). Despite this, the information was either ignored, dismissed without investigation, or falsely verified as accurate, without providing any actual documentation or proof of verification. In Equifaxs case, they even claimed they could not verify my identity, despite receiving the same valid documents that were accepted by Experian and TransUnion. It raises concern about how Equifax is handling identity verification and dispute resolution in compliance with FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ), which require a reasonable reinvestigation and proper notice to the data furnisher.

This is not a new dispute. I am not initiating another dispute. I am demanding deletion. These accounts have already been disputed and remain on my report without legitimate verification. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be removed.

The information has remained on my credit file despite their inability or refusal to produce any documentation validating the late payment reporting. This is willful noncompliance, and deletion is now the only acceptable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Immediate Action Required. I demand the removal of this collection account from my credit report immediately unless you can substantiate its validity as required by law. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including a list of relevant documents, such as identification, proof of address, or any notices received. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. 



Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have detailed numerous instances where each reporting agency has used my information inaccurately for several years, and I have made multiple attempts to correct the errors. They have ignored my requests at every turn. 

It has negatively affected my ability to change employment, acquire credit, and or purchase tangible items. Below are a few issues for each bureau. 

Equifax XXXX addresses and XXXX Employers XXXXXXXX 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 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 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 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 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 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 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 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 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 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 2025-07-31 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: TX

Complaint narrative:
I have detailed numerous instances where each reporting agency has used my information inaccurately for several years, and I have made multiple attempts to correct the errors. They have ignored my requests at every turn. 

It has negatively affected my ability to change employment, acquire credit, and or purchase tangible items. Below are a few issues for each bureau. 

Equifax XXXX addresses and XXXX Employers XXXXXXXX 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 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 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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  {$1000.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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