vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA605B ( 15U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , Equafix reporting agency and Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and also fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and also false information consist of personal credit card accounts, loans and membership accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX That all appears related to the aforementioned collections and inquiries. These accounts have resulted in several fraudulent hard inquiries also and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of all accounts and inquires in question as well as all accounts not recognized as reported. The aforementioned accounts initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all resulted of the identity thief and fraud accounts.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate and outdated address information that is being reported on my credit report. According to my credit file, there are XXXX or more addresses listed that are not current, and some are completely incorrect. 

Please be advised that my only correct and current address is : XXXX XXXX XXXX XXXX Va XXXX This has been my sole and permanent address for over 21 years, and it is the same address listed on my official government-issued identification ( State ID ). 

The presence of outdated or incorrect addresses is negatively affecting my credit and causing confusion in credit decisions. These erroneous listings may also present a risk of identity confusion or fraud. 

I am requesting the following : That you remove any and all incorrect or outdated addresses from my credit report. 
That you ensure only my verified current address ( XXXX XXXX XXXX ) remains on file. 

I have attached a copy of my State ID to verify my address, along with a recent utility bill or bank statement for further confirmation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. Please investigate this matter and correct the inaccuracies at your earliest convenience. 

I request a written confirmation once the inaccurate addresses have been removed and my report has been updated.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2025, I got text message ( in my XXXX XXXX XXXX ) from Wells Fargo Fraud Dept : " Do you recognize {$430.00} at XXXX. Reply YES or NO. 
When I answered NO, the text said An Agent will Contact you to Further Assist. 
Then they called me immediately, said they from Wells Fargo Bank. Two persons, one is a supervisor. They said I need a new debit card. Then then guided me open my Wells Fargo Bank account in my cellphone, asked me to fill up a form with my personal information. They also said about XXXX XXXX  but I don't understand. 
As a result, I lost {$9500.00} from my band checking account.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My last complaint about the age of my credit cards was wrong. I was finally sent an email to look out the outcome. What do you know, once again, something went wrong, cant look at it! So I log in to experian online, go in to disputes. Not avaialable online! What? These games with experian and my credit are tiresome, stressful and are giving me XXXX XXXX XXXX. Today I get an email from XXXX XXXX saying congratulations on winning your dispute. Your score went up XXXX points. My score is XXXX. But not with experian it is XXXX. I have 16 % credit usage, won my dispute that i had to learn from XXXX XXXX. But experian still ha me at XXXX, fair!. Experian is not playing by the rules, hiding my reports and keeping my score low as usual. Do I need to go to court for my trouble? Help me!!!

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 2025-07-21 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: FL

Complaint narrative:
I been disputing the validity of the debt reported to the credit bureaus under the names XXXX XXXX XXXX XXXX, appearing on my credit reports. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, I demand the immediate removal of this account from all consumer reporting agencies and full validation of this alleged debt. I requested to Pursuant to 15 U.S. Code 1692g ( b ), I requested complete validation including, but not limited to : XXXX. A copy of the original lease agreement with my signature. XXXX. A complete itemized breakdown of all charges. XXXX. Proof of ownership or assignment of this alleged debt. XXXX. A copy of any judgments ( if applicable ). XXXX. Proof that you are licensed to collect in my state. They failed to provide this information within 30 days constitutes waiver of any claims and requires deletion from all credit reporting agencies. They continue reporting inaccurate or unverified information to credit reporting agencies, this constitutes a violation of : 15 U.S. Code 1681s-2 ( b ) ( duty to investigate disputes ) 15 U.S. Code 1681i ( a ) ( reinvestigation requirement ) FACTA Section 312 ( accuracy and integrity of data furnished to XXXX ) Requested all communication must be in writing only, which was also failed to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems , Inc. is acting as the third-party debt collector for a former XXXX XXXX ( XXXX ) account that was charged off in XX/XX/XXXX. However, they have failed to report their involvement to any consumer reporting agencies ( CRAs ), while XXXX continues to report the account monthly as charged off with a growing past due balance, despite over {$2600.00} in wage garnishments already being collected. This violates the Fair Credit Reporting Act ( FCRA ) and may also violate the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX  shows an updated balance as of XX/XX/XXXX, still under XXXX Star, even though XXXX stated in writing that Transworld Systems , Inc. is the current servicing entity. This misrepresents account ownership, inflates derogatory impact, and denies me accurate and transparent credit reporting. 

I have never been contacted by Transworld Systems , Inc. directly regarding this account. I only became aware of their involvement through XXXX CFPB response. No validation of debt, itemized accounting, or proper notice was ever provided. 

These actions have materially harmed my credit score, caused emotional distress, and violated federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete information being reported on my credit report for my CitiCards CBNA account ( last XXXX digits : XXXX ). The account was closed by the creditor but I have continued to make monthly payments. Despite my ongoing repayment, my credit report only shows a XXXX XXXX XXXX XXXX  ) for recent months, with no reflection of my recent payment activity. 

This incomplete reporting is damaging to my credit profile by failing to show responsible repayment and lowering my overall payment history score. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and complete information. Citi is reporting an outstanding balance and accepting payments, yet is not updating my tradeline accordingly. 

I also find it misleading that the account continues to show XXXX late payments from XXXX even though Ive made timely payments since that time.

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 2025-07-21 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:
My consistent on-time payments make this late mark unrepresentative of my history. Please ensure it is deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management ( Account XXXX  : [ Your Account Number ], original creditor XXXX XXXX XXXX ) is reporting an unvalidated and disputed collection account to Experian. Despite my formal dispute and written request for debt validation ( FDCPA, 15 USC 1692g ), and a cease & desist ( 15 USC 1692c ( c ) ), the company has failed to provide validation but continues to report the debt ( 1692e ( 8 ) ). 

FCRA, 15 USC 1681s-2 ( b ), 611, 623 require all information to be fully investigated and unverified accounts to be deleted from my report. The agency is violating these statutes and my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The court held furnishers can be held liable for failing to reasonably investigate and correct or remove disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Found liability attaches for unreasonable investigations of consumer disputes. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Established that failing to properly investigate and correct or delete inaccurate/disputed data is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
I am filing this complaint because a bankruptcy is being reported on my credit report, but it is missing essential identifying details such as the court name, case number, and filing date. This information is necessary to verify the accuracy and legitimacy of a public record under the Fair Credit Reporting Act ( FCRA ). 

I contacted the court in my jurisdiction, and they confirmed that they do not furnish bankruptcy information to the credit bureaus. Therefore, I am concerned that the credit bureau obtained this record from a third-party vendor or unverifiable source, and is now reporting it without proper documentation or accuracy. 

Despite my dispute, the credit bureau continues to report the bankruptcy without providing proof of verification or the source of the data. This incomplete and potentially inaccurate reporting is negatively impacting my credit profile and is a violation of my rights under FCRA 607 ( b ) and 611 ( a ).

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 2025-07-21 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: NM

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

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 XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts, as I have no knowledge of any of these accounts due to the Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB.

According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.

Please remove all fraudulent, inaccurate accounts, as I do not know of any of these accounts due to the Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB.

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 2025-07-21 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: NJ

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 : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00}

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 2025-07-21 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: NY

Complaint narrative:
Charge off on credit report with accurate investigation

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX I sent {$270.00} on cashapp for a XXXX. Sent money to the girls husband, she has since deleted the listing and hasnt responded to any of my messages asking for shipping numbers or just in general. Told her I am reporting account if she does not send my money back because if she did ship it would be here by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
Charge off on credit report with accurate investigation

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 2025-07-21 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: RI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief