vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Child support Account paid off, but not showing. It just says closed, and delinquent. 
Plus the account has been open for 20+ years and not showing...

Experian, Equifax, and Transunion all have misinformation, I've been paying for credit monitoring, and trying personally to have these things fixed. Nothing is changing. I don't believe they are checking with the vendors properly, or are just writing me off as if i'll go away...

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, my name is XXXX XXXX and I use Bank of America, my new debit account ends in XXXX, the old XXXX is XXXX. I want to buy a product in XXXX so I use XXXX  to send money to my own bank account in XXXX to purchase a product but they kept on charging me extra fees and I still didnt received the product. This is the conversation of me, the intermediate person and the seller. It includes the original version in XXXX, the English google translate version ( Im sorry if the XXXX translate is not very understandable and clear ) and my transactions. In the beginning the intermediate requests me to transfer the whole amount of the product, which is XXXX VND + XXXX VND ( intermediate fee ) = XXXX USD, so that it can be ship to me, and I did. But then she told me that I wrote the wrong message so she charge both me and the seller double the value of the product, which is XXXX VND = XXXX USD, she told us that if we write the correct message, she will refund us the money that we have transferred. When we both send it to her, she then again said that we wrote the wrong message and charge us double the amount that we have sent, which is XXXX VND but I have requested her to reduce it to XXXX VND = XXXX USD. In the end, when we both thought that she will refund us the money that we have sent, she said that we have to transfer her XXXX VND = XXXX USD to make sure that we are not money laundering and so she will return us XXXX VND = XXXX USD, but I didnt send her the final charge because I suspect that she is force scamming me and if I send her that I will lose all of my money. So I told her to wait for me a few days but she warned me that it can only be made within XXXX hours or else she will not refund me my money. I also suggest to split the bill in half so that she can return half of my money first but she refused to do so and said that I have to send her all. At that point I refused to send her more although she kept on calling me to send it. I also suspect that the seller and the intermediate person is a group of scams because the seller is the XXXX who recommended me to her. The total I have sent her is XXXX USD, including XXXX USD from my debit card and XXXX USD from my credit card. The reason I write this is because I hope that I can dispute all of the money that I have lost. I really appreciate it if you can resolve this issue for me. Thank you so much for your efforts!

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 2025-06-30 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: CA

Complaint narrative:
I recently received copies of my credit report and noticed that it has an accurate information several unauthorized accounts added to my credit report. These remarks has dramatically affected my credit health.

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 2025-06-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Dear TransUnion, Subject : Dispute Regarding Fraudulent Accounts on Credit Report I am writing to formally dispute multiple accounts on my credit report that I believe are fraudulent and not associated with me. These accounts are a direct result of human trafficking, which I have been a victim of, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA Section 605 ( c ), I understand that I have the right to dispute inaccurate information on my credit report, and I request that you investigate these accounts thoroughly. I believe that these entries are the result of identity theft and do not reflect my true credit history. 

As a victim of XXXX XXXX, it is imperative that my credit report accurately represents my identity and financial history. I have attached documentation to support my claims, including [ mention any relevant documents, such as a police report, identity theft affidavit, or any other evidence ]. 

I kindly request that you remove these fraudulent accounts from my credit report immediately and provide me with a confirmation once this has been completed. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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 2025-06-30 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 recently reviewed my credit report and was alarmed to find a hard inquiry listed that I did not recognize. I have never authorized this party to access my credit file, and I have not submitted any application that would justify such an inquiry.

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 2025-06-30 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:
I recently received copies of my credit report and noticed that it has an accurate information several unauthorized accounts added to my credit report. These remarks has dramatically affected my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I recently received copies of my credit report and noticed that it has an accurate information several unauthorized accounts added to my credit report. These remarks has dramatically affected my credit health.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I cant open an account maybe regarding the country of residece or requirement not completed

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
On XX/XX/XXXX I made a transfer from XXXX from XXXXXXXX XXXX and confirmation arrived on the XXXX, I contacted Facebank and they said to wait that it takes more days, I waited and contacted them again after weeks and they told me that they rejected it because I was sending euros to a dollar account, they never notified me by email of the rejection until I claimed and insisted and they say that they do not have it and that they can not give a formal rejection today XXXX XXXXXXXX sends me a XXXX where it is verified that Facebank has had the money since XXXX and that it does not respond to its requests for a refund from XXXX and the only thing left for me is the judicial route with what the lawyer 's costs imply, they have been speculating with my money for more than a month and they do not offer to compensate me or give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-30 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-30 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: MI

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-30 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: NV

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are not reporting with XXXX XXXX accuracy. Therefore, I am writing to formally dispute several inaccurate and potentially unlawful entries listed on my Experian, TransUnion, and Equifax credit report, which are causing significant harm to my credit standing. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request immediate reinvestigation and correction/removal of these entries. In accordance with : XXXX U.S.C. XXXX ( b ) : You are required to maintain maximum possible accuracy in consumer reports. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report inaccurate information. 
XXXX XXXX. XXXX ( b ) : Furnishers must fully investigate and correct disputes. 
XXXX XXXX. XXXX : Prohibits misrepresenting debt collection origin. 
XXXX XXXX. XXXX : Mandates proper payment application and fair billing cycles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are not reporting with XXXX XXXX accuracy. Therefore, I am writing to formally dispute several inaccurate and potentially unlawful entries listed on my Experian, TransUnion, and Equifax credit report, which are causing significant harm to my credit standing. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request immediate reinvestigation and correction/removal of these entries. In accordance with : XXXX U.S.C. XXXX ( b ) : You are required to maintain maximum possible accuracy in consumer reports. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report inaccurate information. 
XXXX XXXX. XXXX ( b ) : Furnishers must fully investigate and correct disputes. 
XXXX XXXX. XXXX : Prohibits misrepresenting debt collection origin. 
XXXX XXXX. XXXX : Mandates proper payment application and fair billing cycles.

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 2025-06-30 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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 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

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 2025-06-30 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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 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

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 2025-06-30 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: OH

Complaint narrative:
I am writing to formally demand the immediate deletion of a fraudulent and unauthorized account that has appeared on my credit report. This account was opened without my knowledge, permission, or consent, and it constitutes a clear case of identity theft. 

Let me be extremely clear : I did not open this account. I did not authorize it. I have never had any dealings with this entity, and any suggestion otherwise is entirely false. This is an illegal use of my personal information, and its presence on my credit file is both damaging and unjust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
Formal Dispute of Inaccurate Information Demand for Deletion Under FCRA 611 * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief