vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CT

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 Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX. Account # : XXXX XXXX  Account # : XXXX XXXX OF XXXX Account # : XXXX XXXX Account # : XXXX XXXX OF XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX AND XXXX Account # : XXXX XXXX  Account # : XXXX XXXXXXXX XXXXXX/XX/year> 2. 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Someone used my card and purchased XXXX worth of things from a website I've never used before. I made Wells Fargo aware of the situation and they denied my claim without any reason ; different representatives telling me different lies such as my card was used on wallet which that is a lie then they tried saying there was a code sent another lie at this point in tired and just want the money put back in my account

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX US Bank supporting fraud In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) for about XXXX XXXX and a few days after, their XXXXXXXX XXXX XXXX offered to install extrXXXX XXXX XXXX and gas tank on this XXXX XXXX XXXX. I approved the installation which totaled {$6400.00} charged to my US Bank credit card on XX/XX/XXXX for these services and products. A day after installing the leaf spring, XXXX from XXXX XXXX  contacted me telling me the gas tank will not fit after all, so I asked, and he agreed to credit my US Bank card for {$6400.00}, and little did I remember he recharged my XXXX  card the {$3600.00} for XXXX XXXX XXXX XXXX XXXX only. The XXXX  charge is correct the US Bank charge is nothing but fraud since this amount was NOT credited back to my account for services and products NOT rendered! Had I known a gas tank couldnt fit ahead of time, I never would have bothered with the leaf spring ; it was the gas tank I was really interested in. 

While I was researching my attorneys general complaint against XXXX XXXXXXXX for safety and product failure, I noticed XXXX never credited my US Bank card for the {$6400.00} which is fraud. Plus {$300.00} in interest which I incurred because I couldnt pay off this card, thinking the credit was coming! Now after I jumped through US Banks hoops to provide them with ALL the info they needed on this dispute, the rep told me today, they can not refund the money due to timeliness ( even though they provided the credit already ). I have disputed charges less than this amount well over 9 months with other credit cards companies and I have never been treated like this ; all my disputes for these types of infractions were honored. For the bank to side with XXXX XXXX  on this fraud charge ( whether this is timely or not ) is totally unacceptable. What is this world coming to??? 

As a XXXX yr old senior trying to retire I find this criminal in nature and now petrified to be on a fixed income if the world is going in this direction ; all businesses lacking integrity and have become rip-off artists! How can any company like US Bank just say too bad to me and NOT slap the hand of XXXX XXXX  for NOT adhering to their clients request, especially when services and products were NOT rendered? They are stealing from me, and US Bank is supporting them!! 

If you need more documentation, I can provide more. Thank You!

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ] Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax XXXX am writing to formally dispute the inaccurate information appearing on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

The following information reported on my credit file does not match my identification and is inaccurate : Creditor Name / Account Number : [ Insert here ] Inaccurate spelling of my first and last name account does not belong to me, The information reported does not match my Social Security Number or date of birth, or This is a case of mistaken identity. ] Under 15 U.S.C. 1681i ( a ), I have the right to dispute information that I believe is incorrect or incomplete. The credit reporting agency is required to investigate my claim, forward all relevant information to the furnisher of the information, and correct or delete any data that is inaccurate, incomplete, or unverifiable within 30 days.

Conduct a proper investigation under 15 U.S.C. 1681i.

Delete or correct the inaccurate item ( s ).

Provide me with written confirmation of the results of your investigation.

Failure to comply with the requirements of the FCRA may result in further action to enforce my rights under federal law.

Thank you for your prompt attention to this matter. Please send confirmation of your receipt of this dispute and the results of your reinvestigation to the address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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: WA

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

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 2025-09-30 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: OH

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 : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Date Opened : XX/XX/year>, Balance : {$4500.00} 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 2025-09-30 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: VA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-30 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Equifax Refusal to Process Valid Dispute, and Companies Refusal To Properly Investigate Previously Disputed Items XXXX XXXX XXXX  - Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding Equifax Information Services LLC. I previously disputed XXXX XXXX XXXX  numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, citing extreme consistent fluctuating balances, double reporting, and inconsistent or missing dates of last payment, which render the account inaccurate and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Despite providing evidence and submitting a formal dispute, Equifax has refused to accept further disputes on this account. Their verification is insufficient and fails to meet their statutory obligation to conduct a reasonable reinvestigation. 
I request that CFPB investigate Equifaxs failure to process my disputes and ensure : XXXX. XXXX XXXX XXXXXXXX is properly investigated or deleted. 
2. Equifax provides absolute documentation supporting their verification.

3. My right to dispute inaccurate information is restored.

4. That im allowed to view previous disputes and results. 

I have attached all supporting documentation, including screenshots of account fluctuations, double reporting, and refusal to a valid allow dispute. 
Thank you for your attention to this matter. I expect timely action consistent with the protections afforded under the FCRA. 

I will be pursuing any/all legal remedies available to me regarding this situation.Ive had enough of this. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
This is a formal dispute under FCRA 611. Your reporting is materially inaccurate and must be corrected.

Disputed Items 1. Identifiers & Employment You report multiple conflicting names and employers. This is inaccurate under 607 ( b ) and violates Metro 2 J1 Segment rules. 
XXXX. Address Variations You list XXXX XXXX XXXX XXXX XXXX XXXX but also variations of the same address. This is duplicative and misleading. 
XXXX. Balance Errors XXXX XXXX  On XX/XX/year>, you report XXXX XXXX  at {$12000.00}, while XXXX  and XXXX report {$12000.00}. This discrepancy violates 607 ( b ) and Metro 2 XXXX XXXX XXXX XXXX. Provide full ledger statements proving balances. 
XXXX. Duplicate XXXX Tradelines You report XXXX identical XXXX student loan accounts, all closed at {$0.00}. This is duplicative in violation of 607 ( b ), 605 ( a ) ( 5 ), and Metro 2. 
XXXX. Inquiries You report XXXX inquiries ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ), while other bureaus report fewer. Provide documentary proof of permissible purpose ( 604 ) or delete.

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 2025-09-30 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: NY

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} 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, 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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: MD

Complaint narrative:
The vehicle tied to this auto loan was repossessed in XX/XX/XXXX. However, the creditor did not report the account as closed until XX/XX/XXXX, with a status of Repossession. 
This reporting is inaccurate and misleading. The repossession occurred in XX/XX/XXXX, and the account should have been closed at that time. Extending the closure date XXXX years later creates the appearance of a more recent and ongoing derogatory event, which unfairly damages my credit profile. 
The account details on my credit report show : Opened : XX/XX/XXXX Highest balance : {$19000.00} Last payment : XX/XX/XXXX Account closed : XX/XX/XXXX ( reported ) Status : Repossession Under the Fair Credit Reporting Act ( FCRA ) XXXX, furnishers must report accurate and complete information. Reporting this repossession with an incorrect closure date is a violation of this requirement.

Company response to consumer: Closed with explanation