vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im writing to dispute a serious and unacceptable error on my credit report. An account that does not belong to me is currently being reported under my name, and it needs to be removed immediately.

After reviewing my credit file, its clear that this is a case of mixed credit information meaning, this account belongs to someone else entirely but is being wrongly associated with me. I dont know who this other individual is, but I can tell you with complete certainty : this account is not mine, Ive never had any connection to it, and I refuse to allow someone elses debt or activity to damage my credit.

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 2025-06-20 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: AZ

Complaint narrative:
I am compelled to formally dispute the inaccurate, unverified, and unsubstantiated information you have reported on my credit profile. Your continued reporting of these accounts and inquiries, without complete and factual evidence, directly violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ] regarding permissible purpose, 611 [ 15 U.S.C. 1681i ] regarding reinvestigation procedures, and Metro 2 data reporting standards as outlined in the XXXX Credit Reporting Resource Guide ( CRRG ). Your actions demonstrate willful non-compliance, negligent investigation, and failure to maintain maximum possible accuracy as required under FCRA 607 [ 15 U.S.C. 1681e ( b ) ].

You are reporting information that lacks verifiable proof of my authorization, consent, or any legally binding instrument bearing my wet or electronic signature. The inclusion of unverifiable accounts, inquiries, personal identifiers, and employment information constitutes an ongoing violation. You are obligated to validate each claim with original documentation. Absence of such evidence requires you to permanently DELETE these entries. 

The following items are in dispute : Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these errors indicates gross negligence in your reporting responsibilities. I demand you DELETE all inaccurate information immediately and provide me with physical documentation detailing your actions and my updated credit report. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, my State Attorney General, and pursue legal remedies for damages resulting from your non-compliance.

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 2025-06-20 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: AZ

Complaint narrative:
I am compelled to formally dispute the inaccurate, unverified, and unsubstantiated information you have reported on my credit profile. Your continued reporting of these accounts and inquiries, without complete and factual evidence, directly violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ] regarding permissible purpose, 611 [ 15 U.S.C. 1681i ] regarding reinvestigation procedures, and Metro 2 data reporting standards as outlined in the XXXX Credit Reporting Resource Guide ( CRRG ). Your actions demonstrate willful non-compliance, negligent investigation, and failure to maintain maximum possible accuracy as required under FCRA 607 [ 15 U.S.C. 1681e ( b ) ].

You are reporting information that lacks verifiable proof of my authorization, consent, or any legally binding instrument bearing my wet or electronic signature. The inclusion of unverifiable accounts, inquiries, personal identifiers, and employment information constitutes an ongoing violation. You are obligated to validate each claim with original documentation. Absence of such evidence requires you to permanently DELETE these entries. 

The following items are in dispute : Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these errors indicates gross negligence in your reporting responsibilities. I demand you DELETE all inaccurate information immediately and provide me with physical documentation detailing your actions and my updated credit report. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, my State Attorney General, and pursue legal remedies for damages resulting from your non-compliance.

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 2025-06-20 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX  days. Relevant supporting documentation is enclosed.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to dispute a serious and unacceptable error on my credit report. An account that does not belong to me is currently being reported under my name, and it needs to be removed immediately.

After reviewing my credit file, its clear that this is a case of mixed credit information meaning, this account belongs to someone else entirely but is being wrongly associated with me. I dont know who this other individual is, but I can tell you with complete certainty : this account is not mine, Ive never had any connection to it, and I refuse to allow someone elses debt or activity to damage my credit.

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 2025-06-20 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: SC

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I having trouble on my credit report and not showing the all XXXX XXXX score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I sent a man named XXXX XXXX {$200.00} as half a security deposit for a room for me to rent while going to college in a house that he supposedly owned and let his daughter live in. 

On XX/XX/year> I sent a man named XXXX XXXX XXXX as 2 months rent and half of a security deposit for a room for me to rent in a house he owned supposedly and let his daughter live in. 

On XX/XX/year> I sent a man named XXXX XXXX {$400.00} as a XXXX and insurance payment for a room for me to rent from his daughter in a house he supposedly owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX  and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-20 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and I have discovered multiple accounts and inquiries on my credit report that I did not authorize or apply for. These accounts and inquiries are inaccurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you immediately block and remove these unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find a list of the disputed items, along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Please initiate an investigation into these unauthorized entries and take the necessary steps to delete them from my credit report. I would appreciate it if you could provide written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-20 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: AZ

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

ACCOUNTS : XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: VA

Complaint narrative:
I having trouble on my credit report and not showing the all XXXX XXXX score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: VA

Complaint narrative:
During the refinance of my loan that I was told would take XXXX weeks and it took almost XXXX weeks. During this time my wife found out she need XXXX XXXX. I paid every credit card off they asked me to, except a personal loan. I was holding back that money to pay for my XXXX XXXX XXXX and dental work. The issue of XXXX came up during the process.Independence Mortgage company committed in writing that if I paid my personal loan account off they would reimburse me with in XXXX hours. I paid the personal loan off believing XXXX would reimburse me. After a period off time and rescheduling my XXXX  's XXXX 3 times and not receiving the {$14000.00} I lost my cool a little bit. I may have said somethings I should have not said, by calling out on their lies. I mainly communicate with XXXX XXXX. Over and over I was told to trust them. This was a XXXX XXXX. This company should not be able to touch a XXXX XXXX. I have also ask them who my mortgage payments go to. No response.

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 2025-06-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal written request to Wells Fargo Auto ( WFBNA ) pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605C, codified at 15 U.S.C. 1681c3 and 12 C.F.R. 1022.142, requesting that they block and permanently remove adverse tradelines associated with two auto loan accounts that resulted directly from financial exploitation tied to my status as a documented survivor of XXXX XXXX. 

My submission included all legally required documentation : A signed, notarized self-attestation declaring my status as a survivor of XXXX XXXX ; Proof of identity and address ; Reports filed with the FTC, IC3, XXXX XXXX XXXX and the Texas Attorney Generals Office ; My professional credentials as a state-licensed clinical social worker and XXXX  XXXX  victim under federal standards. 

In response, Wells Fargo acknowledged receipt of the documents but refused to block or remove the adverse tradelines. They asserted that because they found no unusual activity on the accounts and because the contracts were technically executed, they were required to continue reporting accurate information under FCRA. This position directly contradicts the plain language and intent of Section 605C, which does not require survivors to prove fraud or dispute accuracy, but instead mandates deletion upon receipt of qualifying documentation. 

Wells Fargos interpretation is legally flawed. Under 12 C.F.R. 1022.142 ( c ), furnishers of information are explicitly required to block adverse information caused by XXXX  upon receiving the appropriate documentation. The regulation does not limit this obligation to consumer reporting agencies alone. 

As a result of their refusal, the adverse accounts continue to appear on my credit report with XXXX  and possibly other CRAs, despite being tied to coercion and financial abuse during my victimization. This directly undermines the federal protections afforded to XXXX XXXX survivors and causes me continued emotional and financial harm. 

I am now submitting this new complaint because Wells Fargo has willfully failed to comply with Section 605C and has materially misrepresented their legal obligations. Their ongoing reporting of these tradelines constitutes a continuing violation of the FCRA and warrants urgent regulatory scrutiny.

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