vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report from Equifax. I believe these accounts contain inaccuracies, and I request your investigation into potential violations of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question. 
Account : XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Date Opened : [ Insert Date ] Balance : {$0.00} Date Last Active : [ Insert Date ] I request that you review this account and confirm its accuracy. If you find any discrepancies or violations of the FCRA, I ask that you promptly correct or remove this account from my credit report. 
Account : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Negative Date Opened : XX/XX/year> Balance : {$4000.00} The account appears to be incorrectly reported as charged off when the status should be something else. I dispute this information and request that you verify the accuracy of the reported status and balance. 
Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Negative Date Opened : XX/XX/year> Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am disputing several entries on my TransUnion credit report that I believe contain inaccuracies and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am also concerned that there may be potential data breaches related to these accounts. I am requesting an investigation into these discrepancies and the correction of any errors found. 
Personal Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Report Pulled : [ Yesterday 's Date ] Accounts in Dispute : 1. XXXX XXXX XXXX  o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
o Balance : {$870.00} o Status : In dispute o Reason for Dispute : Inaccurate balance and missing payment details, incorrect status reporting ( FCRA violation, Section 1681e ( b ) ). 
2. XXXX XXXX XXXX o Account # : XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
o Balance : {$1400.00} o Status : In dispute o Reason for Dispute : Discrepancies in reported credit limits and balances ( FCRA violation, Section 1681s-2 ). 
FCRA Violations : Section 1681e ( b ) : Requires credit bureaus to ensure accuracy in the data reported.

Section 1681s-2 : Requires furnishers of data to provide accurate information to the credit bureaus.

Section 1681c : Negative items should be removed after 7 years unless otherwise specified.

Potential Data Breach Concerns : The inaccuracies in these accounts suggest potential data breaches or identity theft. I request that you investigate these accounts carefully for possible unauthorized access or breaches that may have impacted my credit report.

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 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate, incomplete, and unverifiable information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate as required under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX  XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XX/XX/XXXX {$0.00} These accounts are reported incorrectly, and Equifax has failed to provide proper validation. 

Inquiries ( EQ ) No inquiries listed to dispute. 

Late Payments ( EQ ) XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they still remain. This failure to take action is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing XXXX  and financial harm.

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 2025-11-18 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 submitting this filing to dispute multiple accounts on my credit report that I believe to be inaccurate or incomplete. The following are the accounts in dispute, separated by each credit bureau. 

Equifax : Statement : I am disputing certain items on my Equifax credit report, including inquiries and a late payment that I believe to be inaccurate or outdated.

Charged Off Accounts : None. 

Inquiries : XXXX, XX/XX/year>. 

Late Payments : XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: NJ

Complaint narrative:
I am disputing the following items on my credit report as they contain inaccuracies. I request immediate investigation and correction of these accounts. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$330.00}

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 2025-11-18 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: NY

Complaint narrative:
I am submitting this dispute to correct inaccuracies on my credit report. Please investigate the following accounts and update the information to reflect accurate data. 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries listed for dispute on Equifax. 

Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC
State: UT

Complaint narrative:
XXXX collection company called me at XXXX in the XXXX, for debt that is not mine trying to reach a family member. When I tried to call them back, you cant talk to anybody you tell them to quit calling you and they just dumped your phone messageto a dial tone.  Their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year> I checked my bank account and seen where a {$300.00} transaction had been made in XXXX, TN. I called Wells Fargo immediately and spoke with one of their representatives in the claims department. I explained to him that I did not make the transaction and that I lived in XXXX XXXX, IA which is around XXXX hours from XXXX, TN. He asked if I was in possession of my physical card and I told him I was and gave him information he asked for. I waited almost XXXX weeks with no updates from Wells Fargo. I looked at my app and seen where I could see the status of my claim. When I looked it said my claim had been denied due to me not remembering that I made the transaction which is what the man who did not speak clear XXXX had put as a reason for my claim. This was completely false and not at all what I told him the reason was. I told him that I did not make this transaction and that there was no possibility I could have. I called and spoke to another woman in the claims department and asked for an explanation and she said it was denied because I said I did not remember making the transaction. None of that is true. I called and made a complaint against both people in the claims department. I really feel that Wells Fargo outsources their claims and customer service to XXXX  XXXX to prevent having to pay more money for an XXXX  and now they are allowing them to steal money from customers by now having the ability to understand the claims and complaints.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
PRESTIGE FNL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FNL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I added my mother as an authorized user on my Macys account, but DSNB/Macys is reporting her as a joint account holder. I never applied for or signed a joint account application with her. I contacted Macys/DSNB multiple times, requested proof of a signed joint application, and asked them to correct the account ownership. They refused to provide any documentation and repeatedly told me to close the account, which would negatively affect my credit. I am requesting that DSNB review the account, provide proof of any joint application, and correct the ownership if no such documentation exists

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