vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
See the attached FTC Identity Theft Report concerning Account Number : XXXX XXXX Date XXXX. I do not recognize, nor did I authorize, this account. This is defined as Identity Theft. The furnisher has failed to provide a verified contract with my wet-ink signature proving lawful liability per the Federal Rules of Evidence 1001-1003 ; copies and reprints shall not suffice. Pursuant to 15 USC 1681c-2 ( Section 605B ), I demand the immediate blocking and detention of this account within 4 business days per the CFPB.

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 2025-11-14 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: MO

Complaint narrative:
I am filing this complaint because Experian and Equifax have repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple disputes and the submission of identity theft documentation. The credit bureaus have continued to report inaccurate information, failed to conduct a reasonable investigation, and ignored my requests under FCRA 605B.

I have disputed several fraudulent accounts, inaccurate addresses, and personal information errors on my credit file. I have also submitted an FTC Identity Theft Report, documentation of a data breach involving my personal information, and multiple written requests asking both credit bureaus to block and remove the fraudulent items under FCRA 605B. They are required by law to block identity-theft-related information within four business days of receiving an identity theft report. Despite this, the inaccurate and fraudulent information remains on my report.

Also failed to conduct a reasonable investigation as required by FCRA 611. Each time I dispute these items, Experian and Equifax quickly responds with the same verified result without providing any details about how the information was verified or who they contacted. No evidence of a legitimate investigation has ever been provided. 



Additionally, EXPERIAN and EQUIFAX continue to report addresses that do not belong to me, even though I have clearly identified them as fraudulent and connected to the identity theft incident. These addresses expose me to ongoing fraud and should have been removed during the first dispute. 


Experian and Equifax lack of action, failure to investigate, and refusal to comply with 605B have caused me harm, including emotional distress, difficulty obtaining credit, and the continued reporting of false information. 

I have already provided both Experian and Equifax with my FTC Identity Theft Report and supporting documentation, yet they have failed to block and remove the identity-theft-related information as required under FCRA 605B.

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 2025-11-14 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: MD

Complaint narrative:
I would like to address a discrepancy I discovered regarding my mortgage account. On XX/XX/XXXX, I received a call from XXXXXXXX XXXX requesting personal information. Upon my refusal, I was advised to contact XXXX XXXX. I attempted to reach XXXX XXXX multiple times, but I was unsuccessful. On the same day, I requested a copy of my credit report and found that XXXXXXXX XXXX had reported non-payment for over 60 days. 

For the past 15 years, my VA loan has been with XXXX XXXX, set up with an automatic payment system. I have not received any communication from XXXX XXXX regarding my mortgage, and I have never been late on a payment.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the inaccurate late payment and delinquent status currently being reported on my accounts. These reports are incorrect, as my payment history and original agreements do not support them. I request that the status be changed to Paid as Agreed and that all delinquency notations 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 2025-11-14 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXXXXXX 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account & student loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$660.00XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$6100.00} XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$10000.00}

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 2025-11-14 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:
I am a victim of identity theft. A personal line of credit account & student loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$660.00} XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$6100.00} XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am formally disputing the following fraudulent accounts appearing on my credit reports : Credit Acceptance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. These accounts were not opened by me and are the result of identity theft. 

I have filed both an FTC Identity Theft Report and a police report, which legally support my dispute. Under my rights as a consumer, I am demanding immediate removal of these fraudulent accounts pursuant to FCRA 605B ( Blocking of Information Resulting from Identity Theft ) and FCRA 611 ( Consumer Dispute Procedure ).

You are required to delete these accounts and block their reporting within 4 business days, as mandated by federal law. These accounts must not be reinserted unless strict reinsertion requirements are met and I am provided proper notice.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
A repossessed account is still being reported on my credit report even though the loan and vehicle were already sold and resolved. The furnisher/creditor has not updated the status accurately. The current reporting is misleading and does not reflect the correct balance, status, or timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX {$200.00} XXXX XXXX, XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$3600.00} XXXX XXXX {$2000.00} Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am reporting an issue with Wells Fargo 's online banking and reporting system. Here is the situation : I initiated a payment on XX/XX/year> for {$940.00}. In the Wells Fargo website and app, which are the only interfaces that us consumers have access to, it shows that the amount was deducted from the account on XX/XX/year> with an ending account balance of {$20.00}. This number is above XXXX. 

Next day, I receive an email saying I was charged an overdraft fee for this payment. I called customer support to request details about this, as my banking portal shows a positive balance ( meaning no overdraft ). The customer support rep said on their end what they see is the payment of {$940.00} was deducted on XX/XX/year> and this caused a negative - {$17.00} balance on the account on XX/XX/year>. 

I told them that could not be possible because on XX/XX/year>, I also made a cash deposit at a physical branch that day before I even saw the over draft alert. So on my banking portal it shows me that my daily ending balance for XX/XX/year> was {$20.00}, and then my daily ending balance on XX/XX/year> was {$1700.00}. At no point was there a balance below XXXX. 

Despite explaining all of this and showing proof of this in my account, the Wells Fargo rep could not process a refund for the overdraft fee. They also told me that level XXXX support and level XXXX support also could not help me. So I realized the only thing left to do was report this to consumer protections. Wells Fargo has made no effort to resolve, and the rep basically told me there was nothing that any of their support departments could do to help. 

I believe this is deceptive and predatory behavior by the bank to report inaccurate information in the customer portal, and manufacture a situation where they can apply additional fees to customer accounts. This puts customers at unnecessary risk for fees. Wells Fargos internal account records do not reflect the same information as what is shown to us in our customer account portal. This is a transparency issue, or perhaps a glitch in their technology. Whatever the case, this is not the customer 's problem. All customers have to go by is what is in our portal, we can't see what is being reported in their internal system. And if the numbers don't match, that is Wells Fargo 's problem for creating a defective reporting system. It shouldn't be made into the customer 's problem, nor should fees for inaccurate reporting be levied on the customer. 

I am requesting that they reverse this overdraft fee and make a commitment to provide accurate and true numbers in our customer portals.

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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a credit card purchase at XXXXXXXX XXXX XXXX XXXX in XXXX, Texas. Even though they have my correct address and other contact information, I never received a bill for my purchase. I attempted to pay the bill at the XXXX store and they refused. They have now dinged me with multiple late fees and interest and have reported me to the credit bureaus. I attempted to settle the matter XXXX months ago by submitting a {$100.00} payment to cover the balance. I never received any statement and inquiries to XXXX did not determine the balance. I never knew Comenity Capital Bank was the XXXX of XXXX XXXX XXXX XXXX. Despite my attempt to settle, they still continue to assess additional fees and refuse to correct the credit bureau report. I am very upset with both XXXX XXXX and Comenity Capital Bank.

Company response to consumer: Closed with monetary relief