vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir/Madam : On XX/XX/year>, at approximately XXXX, I called Wells Fargo Visa Card customer service in regards to some items I purchased from XXXX. The customers service service representative ( female ) stated that she had to verify my account. I had ALREADY provided the last Four of my social security number and she proceeded by asking my full name, address, date of birth, mother 's maiden name and I answered ALL of her questions! UNTIL, she then ask me if I have a direct deposit account and to give her my direct deposit account number, I REFUSED!

I explained to the female that I provided her MORE THAN enough information to verify my account and that she should be able to verify my account. I hung up the phone and I called wells Fargo Bank Visa back and I spoke to a different representative who was able to verify my account with a FEW SIMPLE questions. 

I belive that I have to document what has just transpired because the first lady questions were ABNORMAL and as I stated to her, it was MORE than enough information for someone to open up an ILLEGAL account under my name and bring me major harm.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
Requesting a letter of debt validation or sign contact for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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

Company 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that has been reported on my credit report. I did not authorize this inquiry, and I have no record of initiating any transaction or application that would have resulted in this credit check.

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 2025-09-10 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: NJ

Complaint narrative:
transunion, experian and equifax are reporting something on my credit report without legal authorization.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts currently listed on my credit report. I have no knowledge of, nor have I authorized, these accounts. Their reporting is entirely false, misleading, and damaging to my creditworthiness. The continued presence of these accounts misrepresents my financial standing and exposes me to harm that is entirely unjust. Such inaccuracies compromise the credibility of my credit report and violate the principles of accurate reporting.

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 2025-09-10 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: OneMain Finance Corporation
State: TX

Complaint narrative:
recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft ; I found numerous accounts on my credit report that was not open by me, this has been hurting me as I am in the process of buying a home for my family. Please remove this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: DISCOVER BANK
State: TX

Complaint narrative:
-- - Subject : Follow-Up / Demand for Resolution Discover FCRA Violations Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX | Phone : XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX CFPB Complaint # : XXXX To Whom It May Concern : I am following up on my previously filed complaint regarding Discover Bank ( Account Ending : XXXX ) reporting an account beyond the 7-year statutory limit under FCRA 605 ( a ). 

Issue : Discover has continued furnishing this tradeline to credit bureaus beyond the 7-year limit. 

Each month of continued reporting constitutes a separate actionable violation, with statutory damages of up to {$1000.00} per violation. 

As of XX/XX/XXXX, there are at least 9 ongoing violations, totaling {$9000.00} in statutory damages and growing monthly. 


Relief Sought : 1. Immediate deletion of the Discover tradeline from all credit reporting agencies.

2. Payment of statutory damages for all violations to date.

3. Compensation for any actual damages caused by inaccurate reporting, including credit denials or financial harm.

I am requesting that the CFPB ensure Discover complies fully with the FCRA, including both deletion and payment of damages. I have attached supporting evidence : Screenshots of continued reporting as of XX/XX/XXXX. 

Account history demonstrating the age of the tradeline. 

Documentation of prior communications with Discover. 


Thank you for your attention. Please confirm receipt and advise on the next steps to ensure full compliance and enforcement of my rights. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX  late payments I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

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 2025-09-10 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: PA

Complaint narrative:
I am a victims of Equifax Data Breach. 
Equifax has repeatedly failed to conduct a lawful investigation into fraudulent accounts on my credit report, despite my providing valid government-issued identification, proof of address, an FTC Identity Theft Report, and a police report. 
As a verified victim of the Equifax Data Breach, my stolen personal information has been used to open unauthorized accounts in my name. 
Equifax has falsely claimed that I am not the one submitting my own disputes and has demanded additional verification documents, even though I have already provided all required forms of proof on multiple occasions. These claims are a bad-faith attempt to avoid its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681c-2 ). I am the verified consumer and the verified victim of the Equifax Data Breach, and I personally signed and submitted all supporting documentation. 
Equifax continues to mark these fraudulent accounts as verified without producing any original application, signed contract, XXXX logs, or fraud review documentation linking them to me. Reliance on internal database checks does not constitute a lawful reinvestigation. Equifax has also mishandled my submissions by claiming it could not see documents uploaded through its portal, did not receive certified mail, or that documents were missing, despite proof of my submissions. 
I am requesting that Equifax immediately and permanently block and delete the following fraudulent accounts pursuant to 15 U.S.C. 1681c-2 : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifaxs continued refusal to comply is causing ongoing harm. I request CFPB intervention to require Equifax to ( 1 ) accept my submitted identity documents as valid, ( 2 ) permanently delete the fraudulent accounts above, and ( 3 ) provide written confirmation of deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am requesting the removal of the inaccurately reported late payment appearing on my credit report. My documented payment history confirms timeliness, and this negative entry is clearly an error. Its presence misrepresents my financial responsibility and harms my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
Please delete these inaccurate accounts within 15 days, as mandated by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WI

Complaint narrative:
It seems by basic accounting that after the statement period ending XX/XX/25 the bank has made numerous accounting errors that has resulted in money being transferred from credit card to checking account for an overdraft that wasnt there at the time of the transfer. 

As of yesterday my account balance was positive {$.00}. Today ( XX/XX/25 ) XXXX was transferred to cover an overdraft. As of yesterday my US Bank consumer credit card had an available balance of XXXX today that available balance is {$38.00}. 

I called to report this to the bank and to escalate this investigation to a fraud department, and the customer service rep hung up on me after placing me on hold.

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 2025-09-10 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is being sued. Public records and old accounts keep showing back up after they have supposed to be closed without any type of contact being made to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

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 EXCLUSION 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 : ( 2 ) 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 ( 1 ) 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