vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
Subject : Formal Complaint Identity Theft & Failure to Remove Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies ( XXXX, Equifax, and XXXX ) and data furnishers for failing to address my requests regarding identity theft and fraudulent information on my credit report. 

Nature of the Complaint I am a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. I have attempted to correct this issue by contacting the credit bureaus multiple times, yet they have failed to take the legally required actions to protect my information. 

Prior to last week, I was unable to access my credit profile, and upon speaking with several representatives, I was informed that my access was restricted. This further supports my claim that my identity was compromised. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Consumer Rights Despite repeated requests, the credit bureaus have refused to : Block and remove fraudulent information as required under 15 U.S.C. 1681c-2.

Provide the method of verification used to validate disputed accounts in violation of 15 U.S.C. 1681i ( a ) ( 6 ).

Safeguard my personal data in compliance with 15 U.S.C. 1681b ( g ).

Ensure accuracy in reporting as required under 15 U.S.C. 1681s-2.

Additionally, my personal information was compromised due to a data breach with XXXX XXXX XXXX, which further exposed me to fraudulent activity. Despite notifying the credit bureaus of this breach, they have failed to take appropriate measures to prevent further harm. 

Disputed Personal Information & Inconsistencies I have formally requested the following corrections to my credit report, but they have not been made : Name Correction : My full legal name should be XXXX XXXX only. 
Address Update : The only correct address on file should be : XXXX XXXX XXXX, XXXX, GA XXXX All outdated and incorrect addresses should be removed as I no longer reside at or have access to them. 
Phone Number Removal : All outdated phone numbers must be deleted. 
Social Security Number & Date of Birth : These should not be displayed publicly for privacy reasons. 
Employer Information : All employer listings must be removed as they are outdated and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MD

Complaint narrative:
My name is XXXX XXXX. I am a recipient of Social Security Services XXXX, XXXX veteran, and utilize the Direct Express services.

I called Direct Express customer services on XX/XX/2025 XXXX, spoke with a supervisor ( XXXX XXXX. On XX/XX/XXXX, I purchased an item for {$350.00}. Merchant ( XXXX ) gave me a complete refund on XX/XX/2025 for {$350.00}. XXXX stated the merchant never accepted the funds ( even though I have a receipt from the merchant that my card was charged ). If what XXXX stated is true it would also mean that Direct Express should not have withdrawn {$350.00} from my account, and it should have been refunded but instead Direct Express continued to withdraw the money and has kept it for themselves. The merchant did not request for the money back ( I have proof from XXXX ), neither did I make a repurchase. On XX/XX/2025 Direct Express made a withdrawal of {$350.00} description- adjustment reversal debit. This is theft! If I received a refund this means the merchant was paid! I need this to be rectified immediately as this money was awarded to me by Social Security for my XXXX and causing me to be behind on my bills and incurring major loses by the minute. It is also requiring me to withdraw from my emergency savings. Direct Express gives me no solution.

Call log : DIRECT EXPRESS CUSTOMER SERVICE XX/XX/2025 - XXXX XXXX  ( spoke with XXXX  ) hung up on me after asking why he could record me but I couldnt record him? 
XX/XX/2025 - XXXX ( spoke with XXXX XXXX XXXX falsely identify my financial transactions XX/XX/2025 - XXXX ( refuse to speak more slowly to help me understand better because of my disability, refuse to answer my questions regarding dates of withdrawals. Continues to falsely identify my financial transactions, continuously puts me on hold while in mid-sentence, hung up on me after asking questions concerning suspicious activity on my account )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I always got fees on my account for overdrafts, I would always call the bank to see if they could refund me for those fees and I would always get no for an answer. 
There were days where I got up to {$300.00} worth of fees only.

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 2025-03-01 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/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 2025-03-01 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
In XX/XX/year> Credence Resource Management, XXXX XXXX was notified via certified mail requesting signature of an agreement or contract per Arkansas Statue of Frauds XXXX ( a ) ( XXXX ). Credence Resource Management, XXXX XXXX has failed to provide the requested documentation and continues to report the alleged debt to consumer report. In addition Credence Resource Management, XXXX XXXX has and continues to violate the CFPB proposed rule under director XXXX XXXX which prevents medical debt from being reported to any consumer reporting agency. Credence Resource Management, XXXX XXXX violated 1692g of the FDCPA failing to mark the debt as disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: OH

Complaint narrative:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 2025-03-01 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 did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX : {$4700.00}, XXXX XXXX XXXX XXXX : {$9000.00},XX/XX/XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All my personal information and various things on my report, has never been deleted from my credit, things that were paid was not deleted from my credit report, my personal information was leak.

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 2025-03-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if I do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-03-01 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: IL

Complaint narrative:
Items to be removed from my report that aren't mine

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 2025-03-01 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: IL

Complaint narrative:
Items to be removed from my report that aren't mine

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 2025-03-01 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: GA

Complaint narrative:
Subject : Formal Complaint Identity Theft & Failure to Remove Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies ( XXXX, Equifax, and XXXX ) and data furnishers for failing to address my requests regarding identity theft and fraudulent information on my credit report. 

Nature of the Complaint I am a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. I have attempted to correct this issue by contacting the credit bureaus multiple times, yet they have failed to take the legally required actions to protect my information. 

Prior to last week, I was unable to access my credit profile, and upon speaking with several representatives, I was informed that my access was restricted. This further supports my claim that my identity was compromised. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Consumer Rights Despite repeated requests, the credit bureaus have refused to : Block and remove fraudulent information as required under 15 U.S.C. 1681c-2.

Provide the method of verification used to validate disputed accounts in violation of 15 U.S.C. 1681i ( a ) ( 6 ).

Safeguard my personal data in compliance with 15 U.S.C. 1681b ( g ).

Ensure accuracy in reporting as required under 15 U.S.C. 1681s-2.

Additionally, my personal information was compromised due to a data breach with XXXX XXXX XXXX, which further exposed me to fraudulent activity. Despite notifying the credit bureaus of this breach, they have failed to take appropriate measures to prevent further harm. 

Disputed Personal Information & Inconsistencies I have formally requested the following corrections to my credit report, but they have not been made : Name Correction : My full legal name should be XXXX XXXX only. 
Address Update : The only correct address on file should be : XXXX XXXX XXXX, XXXX, GA XXXX All outdated and incorrect addresses should be removed as I no longer reside at or have access to them. 
Phone Number Removal : All outdated phone numbers must be deleted. 
Social Security Number & Date of Birth : These should not be displayed publicly for privacy reasons. 
Employer Information : All employer listings must be removed as they are outdated and inaccurate.

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