vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2025-10-02 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX access XXXX XXXX endless loop no form like fdyc major bank platforms to start XXXX despite on phone XXXX XXXX fraudwatch issue for subprime seniors others effecteky causing no disputes to be filed gatekeeper XXXX abusive XXXX? Att XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the XXXX XXXX XXXX believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-02 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: NY

Complaint narrative:
Bank errors related to billing and reporting are unfairly and negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to accurately reflect payments and credits, yet several issues have arisen with my accounts. Payments I made were not properly recorded, calculation errors are evident in the reported amounts, and in some instances, I was not provided with the required XXXX notice before a payment was due. As such, any late payment marks placed on my report are invalid and constitute clear violations of federal 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX was stolen while I was in XXXX. The thief gained unauthorized access to my XXXX XXXX and Wells Fargo mobile banking app and made multiple fraudulent purchases. I immediately reported the theft and fraudulent activity to Wells Fargo the same day and also filed a police report with the XXXX Police Department. 

Despite my timely report and the clear evidence of unauthorized access, Wells Fargo denied my fraud claim. I was not in possession of my device at the time of the transactions, and I did not authorize any of the purchases. I believe this denial violates my rights under the Electronic Fund Transfer Act ( EFTA ), which limits consumer liability for unauthorized transactions when reported promptly. 

I am requesting that Wells Fargo reverse the fraudulent charges, issue a refund for the unauthorized transactions, and provide a written explanation for the initial denial. I also request that they review their fraud investigation process in this case.

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 2025-10-02 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion continued XXXX of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-02 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:
WHAT IS GOING ON I CANT UNDERSTAND WHAT IS THE REASON?! WHO IS XXXX THIS?? I LITTERALY CANT UNDERSTAND IT WHY WOULD THIS EVEN HAPPEN, IF YOU CAN FIND THESE PEOPLE I WOULD REALLY APPRICIATE IT I AM LOOKING FOR A GOOD OUTCOME FROM THIS BECAUSE I HAVE CONTACTED TOO MANY COMPANIES AND TALKED TO A LOT OF SUPERVISORS INCLUDING THE ONES FROM THE CREDITORS. ON MY NAME THERE ARE COUPLE OF INQUIRES WHICH ARE NOT MINE AND THEY ARE COMING BCAUSE OF THAT PEOPLE WHO I AM TRYING TO FIND AND MAKE THEM PAY LEGALLY FOR THIS, PLEASE HELP ME HOWEVER XXXX CAN TILL I FIGURE IT OUT MYSELF AS WELL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX {$51000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$46000.00} XXXX XXXX BANK XXXX XXXX {$48000.00} 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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I saw on my credit report that I had charges to a credit card that were not mine as they were opened before I even turned XXXX XXXX XXXX and XXXX that was open when I turned XXXX XXXX XXXX both for capital one I disputed them with my credit bureau the credit bureau then took them off of my credit report as they were not mine and were falsified now this credit bureau is contacting me, saying that I still owe XXXX of these debts when it was already taken off of my credit report and now it is put back on, even though it is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX 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/year>

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a cc I paid off in XX/XX/year>. The account has been restricted since then. I ask the company to unrestrict it but I was told because I paid it off all at once, I will never be able to use the card. It is my oldest card so closing it will only hurt me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am witing regarding the company of XXXX and XXXX in the amount of {$240.00} which was recently reported on my credit report as a collection. I've disputed this account from a company named XXXX XXXX on XX/XX/year>, which was removed from my account. This is the same account was put back on my credit report on XX/XX/year>. I've had no dealings with this account. Please have this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX [ XXXX, Tn XXXX ] [ XX/XX/XXXX ] Equifax Information Services, XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX. 

P.O. XXXX XXXX XXXX, TX XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Request for XXXX XXXX XXXX XXXX XXXX {$27000.00} Account # XXXX  XXXX - {$770.00} XXXX XXXX XXXX {$2800.00} TN XXXX XXXX XXXX {$83000.00} To Whom It XXXX Concern, This is a formal dispute of inaccurate, unverifiable, and misleading credit reporting under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Grounds for Dispute ( Key Legal Violations ) Inaccurate Reporting ( FCRA XXXX ( b ) ) : The account is reported as an open account, yet XXXX XXXX classified it as a charge-off ( closed and written off ). Reporting it as open is false, misleading, and materially inaccurate. 
Failure to XXXX IRS Form XXXX ( FCRA 1681i ) : No XXXX was provided despite a charge-off exceeding {$600.00}. This makes the reporting incomplete and unverifiable. 

Violation of Reinvestigation Duties ( FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ) : I previously disputed this item. You failed to properly reinvestigate, and the account remains unchanged. Re-inserting or continuing to report unverifiable data is prohibited.

Furnisher Violation False Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : " 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. '' XXXX XXXX violated this by knowingly reporting inaccurate data. XXXX violated this. XXXX, XXXX violated this. TN XXXX XXXX XXXX violated this. Remove all now according to the FCRA XXXX U.S.C XXXX FDCPA Violations ( XXXX U.S.C. XXXX and XXXX ) : Reporting a charged-off, invalid debt as collectible constitutes false representation and an unfair collection practice. 

Demand for Deletion Because this account is inaccurate, unverifiable, incomplete, and misleading, it must be immediately deleted from my consumer credit file. 

Under 15 U.S.C. 1681n, 1681o, and 1692k, continued noncompliance exposes you to civil liability, statutory damages, attorneys fees, and punitive damages. 

I demand : Deletion of the XXXX XXXX account from all credit files. 
Deletion of Capital XXXX account from all credit files XXXX XXXX XXXX XXXX XXXX Deletion of TN XXXX XXXX XXXX Written confirmation of permanent removal within 30 days ( about XXXX and a half weeks ). 
No re-insertion unless full verification and proper certification is provided in compliance with FCRA. 
If this dispute is not resolved properly, I will pursue arbitration, legal action, and regulatory complaints against your agency. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: WA

Complaint narrative:
When I do get a letter for garnishment, from Puget sound collections, about half the time, I don't receive the letter until it's either close to or past the date to dispute it or not until after the garnishment has started Also, the last garnishment letter I received from Puget sound collections, the total amount they say I owe was for over {$20000.00}. 
Puget sound collections has been garnishing my pay checks on and off for at least 20 years, which the amount back then was for around {$20000.00}. 
How can that be? 

I do not have an account with Puget sound collections nor have I ever signed anything with Puget sound collections stating that I have any debt with them. 

I would like to see an itemized list of what Puget sound collections says I owe, with original dates, amounts, and creditor. 

Thank you 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 2025-10-02 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief