vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this formal complaint against Experian for continued reporting of inaccurate personal information despite multiple prior dispute attempts. Specifically, Experian is reporting the address XXXX XXXX XXXX XXXX, MD XXXX on my credit report, which is completely incorrect and does not belong to me. I have never lived at, used, or been affiliated with this address in any way. This false address is damaging and raises serious concerns regarding the integrity and accuracy of XXXX data. I am the rightful consumer, and the only address I authorize to be reported on my credit profile is my current and valid residential address. By continuing to report this inaccurate personal information, Experian is in violation of my rights under federal law. 
Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ) [ 15 U.S.C. 1681e ( b ) ], Experian has a legal obligation to maintain maximum possible accuracy of the information it reports. By including this unauthorized and inaccurate address, they are failing in that duty. 
Additionally, under FCRA Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate or incomplete information on my report, and the credit bureau must reinvestigate and correct or delete the information within 30 days. Since this dispute has already been submitted before, and the inaccurate address still remains, this indicates a willful violation of the FCRA.

Moreover, this continued reporting of an address I have clearly disputed can be considered negligent or intentional harm, and it places me at risk of identity confusion, denial of credit, and reputational damage. 
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate enforcement action against Experian for failure to uphold their legal responsibility. I am demanding that Experian : Immediately remove the address XXXX XXXX XXXX XXXX, MD XXXX from my credit report Conduct a reinvestigation in compliance with FCRA Section 611 Provide proof of how and why this address was verified if they continue to claim its validity Stop any further reporting of inaccurate or unauthorized personal identifying information This is not the first time I am bringing this to their attention. The continued presence of inaccurate personal data on my credit report shows a clear lack of compliance with federal consumer protection laws. This situation is causing me distress and potential harm, and I am requesting full relief under the law and strong regulatory oversight.

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 2025-07-02 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-02 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I'm filing a complaint because my creditor XXXX XXXX XXXX has violated my rights and is reporting late payment on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the creditor but the late remain without proper validation or documentation. 
Under 15 USC 1681 S2 must report accurate information under 15 USC 1681 I the credit bureaus must performs a reasonable investigation within 30 days. Neither of them have provide sufficient evidence to support the negative reporting.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666B : A creditor may not treat a payment on credit card account open end consumer credit plan as late for and purpose

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 2025-07-02 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-02 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX I received a text message from a debt collector by the name of XXXX from XXXX XXXX. I returned the call, and ask him what was the purpose of this call. He stated he was representing XXXX XXXX XXXX about an unpaid debt. When I asked him for more information he became aggressive. He began threatening to seize my motorcycle, called me out of my name. I want this company to not contact me again! I explain to him that I attempted to work with the XXXX XXXX XXXX and he became more belligerent. I plan on suing this company for violating the FDCPA act. The number that he contacted me from is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 : 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 ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$700.00} 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 : {$360.00} 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2800.00} 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 : {$450.00} 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 : {$600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00}

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 explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : 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 ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00XXXX 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 : {$360.00} 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 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 XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} 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 : {$450.00} 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 : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} INQUIRIES : XXXX  Date : XX/XX/XXXX 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 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I see on my credit report that a debt collection was out for a XXXX  account I did not authorize and I am not associated with. The account is associated with an address I am not associated with. This was in the amount of {$860.00} on XX/XX/year>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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I recently went through a divorce and had to move homes things have been hectic. Which ended with me getting behind starting in XXXX and that is when the calls started and they are constant to the point of them affecting my work. I asked them to at least cut back some since I only owe them {$280.00} and was then told they are allowed to call me up to five times a day. And that's with me showing effort and making sure to make a payment. Yes some where late due to life struggles or just forgetting to pay. But I have made sure to always pay a payment asap. in XXXX I spoke to the store manager XXXX we had a nice conversation that ended in me paying {$100.00} and her suggesting that I pay {$25.00} a week, in which I stated that was a good idea. A month flew buy and before I realized I had missed a payment again the calls started again. So on Monday XX/XX/year> I was able to answer their call and spoke with a different representative and was informed she was from a totally different One Main. So when we ended the call I wanted to make sure my local branch new my plans and XXXX had called me earlier so I returned her call to simply let her know on XX/XX/XXXX I will be paying the account off in full to stop the calls because it is really affecting my work. This time she was not pleasant. When I spoke with her she asked me was I trying to pay a payment repeatedly and got really rude and offensive insinuating that I shouldn't buy food and pay my bills like she does and telling me how well she was doing and her credit was good, as you can hear in the recording. Which is only half the conversation because I was not expecting She was extremely unprofessional and very offensive. Yes I struggle time to time but I am blessed enough to be able to pay my bills. I can only imagine what she says to an individual who actually has to choose food over paying One Main Financial. This happen with XXXX at One Main Financial in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX Inquiries : XXXX XX/XX/year> XXXX  XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-07-02 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The main concern is regarding the representatives handling of my claim. When I called to inquire about why the funds were reversed, I was told by the representative that the application login information matched mine. I explained that this is because I had previously used the app. She then stated that she was unaware of this detailand that had she known, a different type of claim would have been filed. 

This information was communicated to the original representative when I first filed the claim, so I can only assume that the incorrect claim was opened, ultimately leading to its denial. When I asked what my next steps were, I was told that Wells Fargo could no longer assist and that I would need to file a claim with the third-party app, XXXX. 

I reviewed my account and noticed that one of the charges for the claim ( {$30.00} ) was approved but the other XXXX  totaling to {$990.00} were not. This makes no sense if all fraud attempts were made by the same person and within time frame. Ive attempted to contact Wells Fargo but no luck so escalating here.

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 2025-07-02 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries on my credit reports with TransUnion, Experian, and Equifax, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose and my authorization for these inquiries.

Timeline : XX/XX/XXXX XX/XX/XXXX : Discovered multiple hard inquiries on my credit reports that I did not authorize or apply for, including auto financing and dealership inquiries. 

XX/XX/XXXX : Noticed additional hard inquiries from auto lenders and dealerships that I did not initiate, authorize, or consent to in any form. 

I have already disputed these unauthorized inquiries with the credit bureaus and am attaching my FTC Identity Theft Report along with a list of the inquiries that are not supposed to be on my report. 

The unauthorized inquiries on my credit reports are as follows : On my TransUnion report, there are unauthorized hard inquiries from XX/XX/XXXXder 15 U.S.C. 1681b ( c ), a credit reporting agency may only furnish a consumer report for a permissible purpose, which includes my explicit authorization for hard inquiries. I never provided such authorization, nor did I initiate any applications that would require these creditors or dealerships to pull my credit. This may also constitute identity theft under 18 U.S.C. 1028.

These unauthorized inquiries have lowered my credit scores, caused anxiety, and disrupted my financial planning. I am concerned about potential misuse of my identity and the chilling effect it may have on my future credit opportunities. I am spending significant time and energy trying to resolve this situation, including filing an FTC Identity Theft Report and sending disputes.

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