vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts reporting that do not belong to me these accounts are not mine and there fore should be deleted

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 2025-10-21 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ), and Metro 2 Compliance guidelines, I am formally disputing the accuracy and completeness of the following entries on my credit report maintained by Experian : Collection Accounts XXXX. XXXX XXXX XXXX - {$1200.00} - Original Creditor : XXXX XXXX. XXXX XXXX XXXX - {$1300.00} - Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX- {$1200.00} - Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} - Original Creditor : XXXX Medical Group Violations include but are not limited to : Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ) Re-aging or inconsistent DOFD ( FCRA 605 ( a ), Metro 2 ) Lack of documented verification upon dispute ( FCRA 611 ) Derogatory/Charge-Offs XXXX. XXXX XXXX - Charged-off account XXXX. XXXX - Late payments / charged-off These must be removed or corrected if unverifiable or misreported. 
Hard Inquiries Not Linked to Any Open Account XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
My joint checking account was debited on XX/XX/XXXX ( {$280.00} ), XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$30.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$30.00} ). All debits went to credit an account at XXXX XXXX in the name of XXXX XXXX, who is unknown and unrelated to us. We did not authorize any of these transactions. 

We brought these transactions to the attention of Wells Fargo Claims Assistance Center on XX/XX/XXXX, who then denied our claim via letter dated XX/XX/XXXX, because we, coincidentally, had an account with XXXX  XXXX that we were sending ACH payments to each month. Wells Fargo said that based on our history with XXXX XXXX, they were denying our claim. They said the charges were authorized, which they were not. 

Wells Fargo recommended we contact XXXX XXXX, which we did on XX/XX/XXXX. XXXX XXXX would not give us any information on these transactions because we were not the account holder. So obviously, the money debited from our account was credited to someone else. 

We escalated the claim with Wells Fargo by speaking to a Solution Claims Manager on XX/XX/XXXX, who said she'd contact us within 1-2 business days. We did not hear anything from Wells Fargo until today, when I placed a call to them. They said the claim was still denied, no further explanation given. 

Wells Fargo or XXXX XXXX have NO proof that we authorized payments from our account to the credit of XXXX XXXX. We are requesting that this be investigated by your organization to refund our {$540.00} that was fraudulently withdrawn from our account. 

Thank you for your help in this matter. 

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 monetary relief
Consumer complaint received 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need to unfreeze my credit but I am unable to access my Experian account. Their system does not recognize any of my information and I am unable to get past their customer service bot to speak with a specialist. I have tried multiple customer service numbers with no avail.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I requested full validation of the account Resurgent Capital Services says I owe. I was sent a XXXX page validation letter. This does not meet the federal requirements of validation and I informed Resurgent of this. Since then I have XXXX copies of the exact same validation letter by mail. Resurgent is still reporting to the credit bureaus while not providing validation. I called them and they told me that they're sending validation that's required by the state to which I said Federal law oversteps state law I need full validation to which you have failed to do. I need you to either provide full and proper validation or delete the account. The only reply was we are following your states law. I received XXXX copies of the same letter on the same day all saying the same thing. No nobody at Resurgent Capital Services takes these things seriously and I'm living proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: UT

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-21 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ), and Metro 2 Compliance guidelines, I am formally disputing the accuracy and completeness of the following entries on my credit report maintained by 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 - Original Creditor : Ascension Medical Group Violations include but are not limited to : Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ) Re-aging or inconsistent DOFD ( FCRA 605 ( a ), Metro 2 ) Lack of documented verification upon dispute ( FCRA 611 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX payments / charged-off These must be removed or corrected if unverifiable or misreported. 
Hard Inquiries Not Linked to Any Open Account XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
On XX/XX/2025, I submitted a formal written dispute to AFNI XXXX regarding an alleged debt tied to Account XXXX. XXXX. This debt stems from a vehicle incident involving my car which was taken without my knowledge or consent by another person, XXXX XXXX. 

This incident was reported to law enforcement, and I provided AFNI with supporting documentation, including : XXXX XXXX of Police Report # XXXX, documenting the unauthorized use of my vehicle, A crash report dated XX/XX/2025, DUI and parole violation findings connected to the responsible individual. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), once a written dispute is received, a debt collector must cease collection activity and provide debt validation. They must also report the account as disputed to credit reporting agencies. 

As of today, AFNI has failed to respond in any form to my written dispute or my follow-up letter sent on XX/XX/2025. They have not acknowledged receipt, paused collection activity, or provided any validation of the alleged debt. 

This inaction is causing direct harm. The alleged debt is impacting my driving record with the Ohio XXXX, and I need a formal release of liability to clear my name and reinstate my drivers license. 

I have filed a consumer protection complaint with the Ohio Attorney Generals Office ( Complaint # XXXX ), but AFNI continues to remain unresponsive. I am asking the CFPB to : Compel AFNI to respond to my dispute, Require them to provide validation or remove the debt, Ensure they report the account as disputed to the credit bureaus, Hold them accountable for violating their obligations under the FDCPA. 

This situation has caused unnecessary stress, risk to my license, and damage to my credit standing all over a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My credit report contains inaccurate personal information. 
My correct legal name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

The following names are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following outdated addresses should be removed : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX I have attached a copy of my valid XXXX XXXX drivers license as proof of my correct legal name and address. 
Please update and correct my personal information under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-21 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have an agreed-upon payment arrangement for my credit card, making monthly payments of {$120.00}. Despite consistently adhering to this agreement, on XX/XX/year>, a pending debit of {$1000.00} was initiated from my bank account. My bank statement indicates that this payment was " initiated at Best Buy, '' however, I absolutely did not initiate this specific payment. This transaction occurred without my knowledge or explicit authorization for this specific, much larger amount. 

Upon contacting the credit card issuer, I was informed that this larger payment was taken due to accrued interest. However, a payment of this magnitude was never agreed upon, especially not without prior notice, and it far exceeds my planned monthly payment. The discrepancy between my bank statement ( suggesting I initiated it ) and the credit card issuer 's explanation ( interest ) further highlights the unauthorized and confusing nature of this transaction. 

This action has caused severe and immediate financial hardship. I am currently jobless and have been without income for the past XXXX months, actively fighting for unemployment benefits. This unexpected debit of {$1000.00} has depleted my available funds, leaving me unable to pay my rent and get my medicine, which is due this Friday, XX/XX/year>. This directly places me at imminent risk of eviction from my home.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-21 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: AR

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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