vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently experienced an adverse action in the form of denied employment. The adverse action was a direct result of information provided by TransUnion when they reported data within my consumer report. After receiving notice of the denial of employment and adverse action, I contacted TransUnion directly, making multiple requests for copies of the information and consumer report which was provided. I was told that information is not available to consumers. This directly from limited me from reviewing the accuracy of the information provided and thus denied me a right to dispute inaccurate information. Furthermore I asked for a source in which they based that answer and was denied the source.

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 2025-06-04 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: FREEDOM FINANCIAL NETWORK
State: DC

Complaint narrative:
On this previous CFPB report # XXXXXXXX XXXX  DID NOT DELETE THE FRAUD ACCOUNT LIKE THEY WERE SUPPOSED TO. 
XXXX still has the account on my credit and didn't Delete/Remove it as directed to and the Original Creditor name is BLANK on my report and displays a BALANCE OF {$0.00}. 


On this date : Company responded ( Achieve Personal Loans/ XXXX XXXX XXXX ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) acknowledges receipt of the consumers complaint. XXXX XXXX purchased this account in good faith and for value. XXXX XXXX has not received any prior requests for validation or fraud documents. In a gesture of good faith, XXXX XXXX has made the decision to close this account and cease reporting. We remind the consumer that it can take between 30 and 60 days for the credit reporting agencies to update the credit report. Should the consumer continue to have further questions or concerns we invite them to contact us to discuss the matter further. 


XXXX still has the account on my credit and didn't Delete/Remove it as directed to and the Original Creditor name is BLANK on my report and displays a BALANCE OF {$0.00}. 


Here is the account still listed : XXXX OVERVIEW Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type UNSECURED Original Creditor Name - Months Reviewed 26 Activity Designator TRANSFER_OR_SOLD Terms Frequency MONTHLY Term Duration 61 MONTHS Purchased From - Sold To XXXX XXXX XXXX BALANCE AND AMOUNTS Balance {$0.00} Credit Limit - High Credit - Available Credit - ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD FIXED RATE For questions regarding this account please contact : ACHIEVE PERSONAL LOANS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX  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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: AZ

Complaint narrative:
I was reported to owe {$12000.00} on an account originally opened with XXXX and later serviced by Servicing Solutions. 

The debt was legally transferred to XXXX XXXX XXXX, the rightful owner. I settled the full balance with XXXX for {$10000.00}. This debt is now closed and resolved. 

Despite this, Servicing Solutions reported to both XXXX XXXX XXXX ( as of XX/XX/year> ) that I still owe {$12000.00}, with the account listed as Collection/Chargeoff and Unpaid balance. These remarks are false and damaging to my credit report. 

Servicing Solutions is no longer the legal owner of this debt. Their continued reporting is unauthorized and inaccurate, violating the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). I requested they delete or correct the account, but they failed to act. 

This is not a clerical error it is willful negligence that harms my financial standing and violates my rights. 

I am demanding the CFPB : Investigate Servicing Solutions for unlawful and deceptive reporting ; Enforce immediate deletion or correction of this tradeline across all bureaus ; Hold the company accountable through penalties if found non-compliant. 

I have documentation proving the full settlement with Resurgent and am prepared to submit it upon request. This matter requires urgent regulatory action. I expect prompt resolution and full removal of this illegitimate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-04 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: FL

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$82.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00}

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 2025-06-04 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:
Date XXXX XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Account ( XXXX XXXX XXXX {$1000.00} ) Dear Equifax Dispute Department , I am writing to formally dispute the reporting of a charged-off account currently appearing on my Equifax credit report : 1. Creditor : XXXX XXXX XXXX Reported Balance : {$1000.00} Status : Charged Off I am requesting the immediate and permanent deletion of this account from my Equifax credit file. Its continued reporting may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681b, which governs the permissible purposes for including consumer data on a credit report. 
I have no active legal obligation tied to this account, and I question whether its presence on my report is legally justified. If this account has been closed, charged off, sold, or transferred and can not be verified with proper documentation, it must be removed immediately under FCRA standards. 

FCRA Legal Grounds for Deletion : 15 U.S.C. 1681b Permissible Purpose : A credit report must only contain information for a legitimate, legally authorized purpose. If this XXXX XXXX XXXX account no longer meets that criteria, it must be removed.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : Equifax must maintain procedures to ensure the accuracy and completeness of the data it reports. If this account is outdated, unverifiable, or misleading, it violates that standard.

15 U.S.C. 1681i Reinvestigation of Disputed Information : Upon receipt of this dispute, Equifax is legally obligated to reinvestigate the accuracy of this information and remove it if it can not be verified within 30 days. 

Requested Action : 1. Permanently delete the XXXXXXXX XXXX XXXX charged-off account ( {$1000.00} ) from my Equifax credit file.


2. Block any future reinsertion of this account unless Equifax receives full, verified documentation in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Provide written confirmation of the reinvestigation results and any actions taken.

Failure to comply with FCRA guidelines may result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also consider seeking legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 

Thank you for your immediate attention to this matter. I expect a full and lawful resolution within the timeframe required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
ENGAGING IN ILLEGAL ACTIVITY. Myself and thousands of others were scammed by a company called XXXX. I submitted disputes for all my transactions with this merchant to Wells Fargo on XX/XX/year> totalling {$2400.00}. I submitted my evidence of being clearly scammed and to my surprise, Wells Fargo sided with the merchant stating my goods and services were received and the merchant provided evidence. I requested the evidence that the merchant sent in. I just received the evidence yesterday, XX/XX/XXXX. 

The evidence sent in from the merchant for these transactions are for a whole different person, different drivers license, different credit card, different email address, account information, everything. I have highly personal information including drivers license, credit card information, personal addresses, selfies of the person, transactions made with their credit card. 

This evidence was obviously NOT EVEN REVIEWED. This is a complete breach of privacy for this person that I have extremely sensitive information of. Not only that, but Wells Fargo accepted this evidence and sided with the merchant with NO PROOF of anything regarding my credit card transactions. 

I called Wells Fargo today and they defended the evidence sent by the merchant and their decision initially. After explaining for over XXXX minutes that this evidence isn't even for my credit card, they finally agreed to submit " a request for an internal review of the disputes and evidence ''. I requested this information in writing and they declined, I requested the recorded phone call be sent to me as evidence as they declined. 

This has to be the most completely negligent situation I have ever encountered. Not only did the merchant send in someone else 's highly personal and sensitive information ( THAT I DO NOT EVEN KNOW ) as evidence for MY TRANSACTIONS on my credit card, but Wells Fargo accepted this evidence and closed my disputes in their favor based off of this evidence.

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 2025-06-04 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and unfair items reported on my credit report, involving multiple accounts that have severely damaged my creditworthiness and violate federal consumer protection laws. Despite my efforts to resolve these issues directly with the creditors and credit bureaus, these errors remain unresolved, forcing me to seek your intervention.

1. Incorrect Address Reporting The following addresses are inaccurately associated with my credit file, causing confusion and potential fraud risks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to request the removal of incorrect personal information from my credit

report. These addresses are not mine and must be corrected or removed to prevent further harm.

2. Late Payment Reporting on XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$530.00} Issue : Incorrect reporting of late payments. 
The reporting of late payments is inaccurate and misleading. According to the FCRA, Section 1681i ( a ), furnishers of information must conduct a reasonable investigation upon receiving a dispute and correct any inaccuracies promptly. The failure to do so constitutes a violation of my rights. 
3. Collection Account by XXXXXXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Improper collection reporting. 
I dispute this collection account as I was not properly notified, and the debt validity has not been adequately verified as required by the Fair Debt Collection Practices Act ( FDCPA ), Sections 809 and 810. Additionally, the debt collector failed to provide proper validation upon my request, which is a violation of federal law.

Summary and Request These inaccuracies and violations have caused me significant distress and have negatively impacted my credit score and financial opportunities. I request the following actions : Immediate removal or correction of the incorrect addresses from my credit report. 
Removal or correction of all inaccurately reported late payments on XXXX account. 
Verification of the alleged debt by XXXX, or removal of the collection account if verification can not be provided. 
Failure to comply with these requests violates the FCRA and FDCPA and may result in further legal action.

Please acknowledge receipt of this complaint and provide a timeline for your investigation and resolution.

Thank you for your prompt attention to these serious matters.

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