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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I reported to Equifax that they were erroneously reporting my name. Per their own records, the " Consumer Statement '' section of my file says : " EQUIFAX IS ERRONEOUSLY REPORTING MY NAME AS " XXXX XXXX XXXX MY NAME IS XXXX XXXX FURTHERMORE WHEN USING IDENTITY VERIFICATION QUESTIONS TO IDENTIFY ME THE QUESTIONS ASKED DO NOT APPLY TO ME OR REFERENCE ACCOUNTS I'VE NEVER HAD I ASSUME THIS IS BECAUSE EQUIFAX HAS ME CONFUSED WITH A " XXXX XXXX XXXX '' Up until XX/XX/XXXX, and dating back as far as I don't know when, they have been showing XXXX XXXX as a former name. I have never gone by that name. I have never opened any accounts with that name. I have never signed any documents with that name. I am XXXX XXXX. My birth certificate, passport, ID, credit, and debit cards are all in my name. This has caused me real-world harm. There have been at least XXXX occasions where I paid off a debt that wasn't mine simply because it caused me to fall just outside of the approval criteria for renting. I won't do that anymore. I believe there are still several accounts on my credit file for XXXX XXXX, despite my numerous attempts to have them removed. Pursuant to my rights under the FDCPA and FCRA, I have requested contracts/leases/proof of these debts being mine for every account reporting to my file that I don't recognize. Instead of acquiring those and showing me the copies, Equifax and TransUnion specifically have simply added notes to each account saying, " Account information disputed by the consumer. '' They have never obtained these documents because THEY DO NOT EXIST. If they did, it would be insanely simple to prove me wrong and send me on my way. I believe they are now retaliating against me for my disputes, as the notes on each account just keep getting longer and my scores have dropped since I requested a reinvestigation into these issues. In fact, Equifax has now added a note saying, " Consumer 's dispute not specific. '' I think I've made it pretty clear since XX/XX/XXXX what my dispute is. I don't know how much more specific I can get than to tell them they're reporting information for someone with a similar name. Again, proving me wrong would be so simple for them. To me, it's pretty clear why they haven't done it. I copied the FTC on * this * dispute because I think Equifax and TransUnion 's lack of follow-through is 100 % because I'm XXXX. I think they take White people at their word when contacted for the same issues, or at least obtain proof the debts are being reported on the right person. My experience with XXXX has not been this nerve-wracking ; hence, I am not filing this complaint against them.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC. In accordance with the provisions ofFCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else in removing the following items : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late/Open XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I made 2 purchases from a merchant XXXX which were charged to my debit card on the dates XX/XX/XXXX and XX/XX/XXXX in the amounts of {$1900.00} and {$1900.00}. The purchases were for cryptocurrency but I never received the purchased cryptocurrency. I contacted support from the website I made the purchases from and was told that they do not directly handle the cryptocurrency sales and that I would need to contact XXXX directly as they are the provider for all cryptocurrency related services the site offers. I have attempted to contact XXXX directly about not receiving my orders and have received no response. At which point I disputed the transactions with Wells Fargo on XX/XX/XXXX using the option " goods or services not received '' which based on the available options appears to be a valid reason for a dispute. I received notification yesterday XX/XX/XXXX that the dispute was declined and when contacting Wells Fargo to find out why the disputes were declined I was told that it was because ( if I understood correctly ) Paybis is a third party provider who simply delivered the funds to the site I made the purchase from and that I should contact the merchant I purchased from directly to try to resolve the issue. Even though the merchant has already stated that this is a paybis issue because they are the provider for the specific services for which I made the payments- the merchant simply integrated them and their services into their own site. I also got the impression from my communications that Wells Fargo did not actually contact the merchant about this issue ( they stated they did not have contact information for the merchant ), or attempt any chargeback, or really do any investigation at all aside from seeing XXXX is a third party provider for several different cryptocurrency sites and therefore say they can not do anything. They just simply said I'm out of luck if XXXX won't respond. With normal dispute proceedings the burden of proof is supposed to be on the merchant so I don't understand why I should automatically lose when there's no attempt to contact the merchant.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the victim of identity theft and am reporting several unauthorized credit inquiries made without my knowledge or consent. I did not apply for credit or authorize any third party to do so on my behalf. The following inquiries are fraudulent : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX inquiries from XXXX XXXX XXXX XXXX XXXX. I have no relationship with these companies and never granted permission for these inquiries. These actions are a violation of my consumer rights and were made using my personal information without authorization. I request a full investigation and immediate removal of these inquiries from all consumer reporting agencies. This report supports my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. I am placing a fraud alert and requesting all legal protections due to me as a victim of identity theft. Please take prompt action to correct this matter and prevent further misuse of my information.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the victim of identity theft and am reporting several unauthorized credit inquiries made without my knowledge or consent. I did not apply for credit or authorize any third party to do so on my behalf. The following inquiries are fraudulent : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX inquiries from XXXX XXXX XXXX XXXX XXXX. I have no relationship with these companies and never granted permission for these inquiries. These actions are a violation of my consumer rights and were made using my personal information without authorization. I request a full investigation and immediate removal of these inquiries from all consumer reporting agencies. This report supports my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. I am placing a fraud alert and requesting all legal protections due to me as a victim of identity theft. Please take prompt action to correct this matter and prevent further misuse of my information.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NH

Complaint narrative:
First Credit Services keeps spam calling my cellphone looking for my daughter who is only a minor ( XXXX yo ). They refused to tell me why they keep calling me. I told them I am her father, she is a minor and has NO DEBT, but they insist their records say she is XXXX so they will only talk to her. I'm not letting her talk to these credits, again she is a XXXXXXXX XXXX XXXX XXXX does not have " debt '' and they keep calling MY phone asking to talk to her.

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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with 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: AZ

Complaint narrative:
A late payment has been reported on my credit file that does not accurately represent my payment history. I have double-checked my banking records and statements and found that the payment in question was submitted before the due date. I respectfully request this erroneous information be removed as soon as possible to reflect the truth of my account management.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As this inquiry is harming my credit score and misrepresents my financial behavior, I am requesting that it be deleted from my report. I also request documentation showing who initiated the inquiry and under what authorization, if it is claimed to be valid. Please respond in writing once this matter has been resolved.

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