vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXXXXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute accounts that are being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXXXXXX / Account Number : XXXX XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report.

Therefore, the continued presence of these accounts constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, some of these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report them on my credit file. 

I have also requested copies of any contracts related to these accounts from the companies reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-05 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: TX

Complaint narrative:
Subject : Formal Complaint Request for Investigation and Removal of Inaccurate or Unlawfully Reported Accounts by XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  To Whom It May Concern, I am filing this formal complaint against XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for inaccurate, misleading, and potentially unlawful reporting on my credit report. These accounts contain derogatory information that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

1. XXXX XXXX. 
Account is marked " Paid, Closed '' since XX/XX/XXXX However, a 30-day late payment from XX/XX/XXXX is still being reported The account is over 6 years old, has a low original balance of {$110.00}, and is disproportionately harming my credit Violations : FCRA 1681i Failure to investigate disputed information FCRA 1681s-2 Reporting outdated or unverifiable data FCRA 605 ( a ) Derogatory info reported past its reasonable relevance 2. XXXX XXXX This account contains derogatory information that I have previously disputed The negative marks are either inaccurate, unverifiable, or continue to reflect as open/delinquent despite being closed or resolved Violations : FCRA 1681i ( a ) Failure to properly reinvestigate disputes FCRA 1681s-2 ( a ) Reporting outdated or false information FCRA 607 ( b ) Failure to ensure maximum possible accuracy 3. XXXX XXXX XXXX Account is reporting a charge-off of {$33000.00} with the entire amount shown as past due, which is inaccurate and misleading Balance matches charged off amount, suggesting no actual charge-off adjustment Account history shows extended delinquencies, possibly re-aged over several months from XXXX into XXXX Violations : FCRA 1681s-2 Reporting inaccurate and inconsistent data FCRA 1681i Failure to verify the legitimacy and accuracy of negative information FCRA 605 ( a ) Reporting past 7 years from first delinquency, or re-aging to extend reporting time FDCPA 809 Failure to validate debt if collector involved

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 2025-08-05 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
On XX/XX/scrub> 2025, I was paid the full amount of {$2400.00} to Goldman Sachs about my Apple Card. 

On XX/XX/scrub> 2025, I was paid the full amount of {$610.00} to XXXX XXXX XXXX  about my credit card. This balance actually appears in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker and Associates represents a debt from XXXX. When dealing with XXXX, they had told me to make an arrangement with Zwicker and associates to pay the debt. I was in communication with Zwicker and came to an agreement in order to stop a judgement from being entered against me. Zwicker actually mailed a letter stating that any legal proceedings would be halted is a payment agreement was made. I have made my payments as outlined and STILL had a judgement filed against me, despite being told that the agreement would halt any legal proceedings. I am a 100 % XXXX Veteran. My income is exempt from collection and my house is my homestead. There is literally nothing to take from me. I was paying the debt although it made me struggle financially because I did not want a judgement placed against me. However, Zwicker does what they want apparently and their agreements- in writing- mean nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
STATEMENT OF COMPLAINT TO THE CFPB Filed By : XXXX XXXX XXXX XXXX. 
Date : XX/XX/year> Subject : Violation of FCRA 605B TransUnion 's Failure to Block Unauthorized Hard Inquiries After Certified Dispute Submission Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report TransUnions violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, regarding unauthorized hard inquiries resulting from identity theft. 

On XX/XX/year>, I mailed a certified dispute letter to TransUnion Consumer Solutions. In that letter, I clearly identified XXXX ( XXXX ) unauthorized hard inquiries that appeared on my credit report, which I did not initiate, approve, or authorize. These inquiries were as follows : XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> In full compliance with FCRA 605B, I provided : A copy of my government-issued ID and proof of address A completed FTC Identity Theft Affidavit A copy of my TransUnion credit report with fraudulent inquiries clearly marked A signed statement declaring the information is not related to any transaction I made Despite meeting all statutory requirements, TransUnion has failed to block these inquiries within the required four ( 4 ) business days, and no written confirmation of any investigation, block, or notifications to furnishers has been provided as of this filing date. This delay and lack of compliance have negatively impacted my credit profile and have caused me considerable distress. 

TransUnions failure to act promptly and in accordance with federal law is a direct violation of FCRA 605B and undermines consumer protections meant to mitigate the damages of identity theft. 

I respectfully request that the CFPB intervene and compel TransUnion to : Immediately block the unauthorized inquiries from my credit report Provide written confirmation of the block and notification to the furnishers Conduct an internal compliance review to prevent similar violations in the future I am attaching a copy of the original dispute letter sent to TransUnion, along with all supporting documentation. 

Thank you for your attention to this serious matter and your continued advocacy for consumer rights. 

Sincerely,

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo I sent a wire transfer on Thursday. On Friday I got an email from Wells Fargo saying due to a system error, my wire had failed and I should resubmit it. 

I called wells Fargo customer service to verify. They confirmed it had failed and also told me to send it again. So I did. 

The next day, Saturday, I logged in to my account to find that the amount of the transfer, over {$1000.00}, had been deducted from my account two times! The first transfer still showed as canceled. The second was apparently ok. But twice the money was gone and my account was deeply overdrawn. 

I called again on Saturday and they said id have to wait until Monday because they dont process over the weekend. So I called today, Monday. Again I was told they can open a case but it might take 10 Business days to get the money back. 

Wells Fargo, this is incredibly asinine. YOU TOOK MY MONEY. I HAVE NO FAULT IN THIS. I DEMAND MY FUNDS BACK IMMEDIATELY. YOU ARE AT FAULT. 

I have had no access to funds in 3 days. I can not go grocery shopping. I can not buy gas for the car. I demand a full and immediate reversal of the charge. 

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 monetary relief
Consumer complaint received 2025-08-05 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: TX

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  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Sentry Credit contacted my boyfriend on several occasions about my debt. The most recent was on yesterday XX/XX/year>. They texted his phone with a link that would display my name, information and the amount of the debt owed. He opened this because he thought it was his debt. This information should not have been provided to him as this is my personal debt. This has made me feel really embarrassed as I had not discussed this with him. He has provided me with a copy of the messages that was sent to his phone if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: FL

Complaint narrative:
Fraudulent charges on my XXXX XXXX  card while I was incarcerated from the month of XXXX to the end of XXXX using my credit card number to transfer money into cash app account and using XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation