vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX - XXXX/XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-20 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Omnipoint Capital
State: FL

Complaint narrative:
I received text messages from my ex wife from XXXX years ago about someone from Omipoint management solutions asking to speak to me! She asked them what it was reference to and they refused to tell her and she asked why they were calling her and they wouldn't tell her. So this is clearly an invasion of my privacy and I don't want my ex wife knowing any of my business! So this has to stop! I have no idea what its in reference to or who they think I owe, but this has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
High balance is lower than balance and thats 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 non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
On XX/XX/XXXX Experian  fixed the XXXX XXXX XXXX The XX/XX/2025 payment status for your XXXX XXXX XXXX XXXX XXXX  was updated from " 30 Days Late '' to " Current '' Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

But then on XX/XX/XXXX 5 days after Experian reported! Transunion proceeds to change the report to this which is totally incorrect they tried to just switch the late date which is wrong I never missed a payment as shown in experian for the year 2025

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing the following accounts that are showing as charged off on my credit report. These accounts need to be reviewed for accuracy and corrected where necessary. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Explanation : This account shows a charge-off, but the balance should be {$0.00}. I request verification of this accounts status. 

XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$400.00} Explanation : This account is reported incorrectly as a charge-off, and I dispute the reporting. 

XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1400.00} Explanation : I believe this account is inaccurately reported. I request verification and resolution. 

XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Explanation : This account is incorrectly listed as charge-off with a {$0.00} balance. Please verify the account. 

XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2000.00} Explanation : I request verification of this account and dispute the charge-off status. 

XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Explanation : I dispute this charge-off status and request verification of the accounts balance. 

XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4500.00} Explanation : I dispute this accounts charge-off status and request verification. 

XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$870.00} Explanation : I dispute the accuracy of this charge-off. Please verify the details. 

XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} Explanation : This account is inaccurately reported as a charge-off. I request verification and correction. 

XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1700.00} Explanation : I dispute this charge-off and request that the account be verified. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX  Date : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate or incomplete. 

XXXX Accounts : XXXX XXXXXXXX : Account number XXXX, reported as charged off with a balance of {$440.00}, opened on XX/XX/XXXX. 

XXXX XXXX XXXX : Account number XXXX, reported as charged off with a balance of {$910.00}, opened on XX/XX/XXXX. 

XXXX XXXX : Account number XXXX, reported as charged off with a balance of {$1300.00}, opened on XX/XX/XXXX. 

Inquiries : XXXXXXXX : Inquiry made on XX/XX/XXXX. 

XXXX XXXX : Inquiry made on XX/XX/XXXX. 

XXXX XXXX : Inquiry made on XX/XX/XXXX. 

XXXX XXXX XXXX : Inquiry made 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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a consumer trying to fix and clean up my credit. The following accounts reported by TransUnion appear to have inaccuracies, incomplete information, or reporting issues. I request a full investigation under the FCRA and removal of any information that can not be properly validated. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$4500.00} INQUIRIES ( TU ) XXXX XXXXXX/XX/XXXX TXXXX XXXXXX/XX/XXXX LATE PAYMENT REPORTING ( TU ) I am disputing the late payment reporting for : 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
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days. 


I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX on XXXX 2025 under the account number ( XXXX ). This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-11-20 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: GA

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion EQUIFAX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian EQUIFAX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-20 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: GA

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion EQUIFAX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian EQUIFAX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 received XXXX overdraft fees of {$35.00} each on XX/XX/year>. I requested these reversed on XX/XX/year> due to a hardship of being in the hospital without ability to transfer funds. I also transferred funds to this account immediately upon noticing the account was in the negative. 
In addition, charges should not have gone through on the account if funds were not available. I have requested this feature to be removed in the past. However, no Wells Fargo department was able to help with this.

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 2025-11-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with explanation