vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because a company is reporting an account on my credit report without my knowledge or authorization. I never applied for, opened, or authorized this account, and therefore it should not appear on my credit file. 

Account name : XXXX XXXX XXXX  Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), several legal protections apply to this situation : 15 U.S.C. 1681b A consumer reporting agency may furnish a consumer report only if there is a permissible purpose, such as the consumers written authorization. I never provided such authorization.

15 U.S.C. 1681e ( a ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they include. Allowing an unauthorized account violates this standard.

15 U.S.C. 1681i ( a ) I have a right to dispute inaccurate or incomplete information, and the credit bureau is legally required to investigate and correct or remove the item within 30 days.

15 U.S.C. 1681n & 1681o If a credit bureau or furnisher willfully or negligently violates the FCRA, they are liable for damages, including statutory, punitive, and actual damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because a company is reporting an account on my credit report without my knowledge or authorization. I never applied for, opened, or authorized this account, and therefore it should not appear on my credit file. 

Account name : XXXX XXXX XXXX  Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), several legal protections apply to this situation : 15 U.S.C. 1681b A consumer reporting agency may furnish a consumer report only if there is a permissible purpose, such as the consumers written authorization. I never provided such authorization.

15 U.S.C. 1681e ( a ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they include. Allowing an unauthorized account violates this standard.

15 U.S.C. 1681i ( a ) I have a right to dispute inaccurate or incomplete information, and the credit bureau is legally required to investigate and correct or remove the item within 30 days.

15 U.S.C. 1681n & 1681o If a credit bureau or furnisher willfully or negligently violates the FCRA, they are liable for damages, including statutory, punitive, and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in XXXX XXXX. He made me open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the XXXX  data breach and its hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the XXXX  data breach and its hindering my ability to obtain credit.

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 2025-07-23 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: AZ

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
XX/XX/year> I wrote Urgent Request to Delete False Information from Credit Report letter company never got back to me. Also wrote Debit validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
15 U.S. Code 1681a ( 4 ) Consumer Rights to privacy. US Bankruptcy reporting on 3 credit reports.

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 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to urgently dispute multiple unauthorized inquiries that have appeared on my credit report. These inquiries have negatively impacted both my credit and credit score. 

I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. However, they remain on my report, and this failure to act is unacceptable. 
The continued presence of these inquiries is deeply concerning and may indicate potential identity theft. This situation is causing me ongoing emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts.DEPTEDXXXX {$2.00} XX/XX/XXXX, DEPTEDXXXX {$2.00} XX/XX/XXXX, DEPTEDXXXX {$1.00} 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a {$3700.00} balance transfer from my Wells Fargo credit card by phone, intended to pay off my XXXX XXXX. The funds never reached my XXXX XXXX account. After following up, I was told the money was sent to the wrong account number, possibly due to a miscommunication during the phone call. 

Since then, Ive made multiple attempts to get answers from Wells Fargo. They have : Not provided a case or reference number Refused to share the account number where the funds were posted Delayed submitting the reversal request, I was told it would be submitted within XXXX days Given inconsistent and vague information, with no timeline for resolution To make matters worse, Wells Fargo is requiring me to continue making payments on my credit card for a {$3700.00} balance transfer that failed to serve its purpose and never reached the intended account. 

In other words, the transfer didnt go through as expected, but Wells Fargo is still treating it as if it did, leaving me responsible for a charge that didnt fulfill its purpose. This puts me at risk of paying interest, late fees, or defaulting for a failed transaction caused by their error. 

Ive requested that Wells Fargo : Review the call recording to confirm what card number was provided Provide written confirmation of the reversal request and its status Take urgent action to recover or correct the transaction So far, Ive received no meaningful help or documentation. This has caused significant financial and emotional stress. 

I am requesting the XXXX help to ensure : The reversal is processed immediately I am not held responsible for late fees, interest, or payments on a failed balance transfer Both Wells Fargo and XXXX XXXX communicate clearly about the status and resolution of this matter

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 2025-07-22 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: NY

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-23 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 non-monetary relief
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: ID

Complaint narrative:
On XX/XX/year>, I received a report from XXXX XXXX of a new hard inquiry on my credit report. I found that a new hard inquiry was made through Equifax by a company called XXXX XXXX. The inquiry on my report only provided the date, the name of the company, and the company 's address. I have never heard of XXXX XXXX, used their services, had an account, nor applied for credit with them. I have also never received any of their magazines or used their affiliates. 

That evening, I called the XXXX XXXX customer service line and spoke with XXXX. She checked her system with my name and zip code, but could not find anything. She told me to call back the next day earlier and someone with more access could help me. 

I then went to the Equifax website and submitted a dispute regarding the new hard inquiry. There was no place to add any information ; it only allowed me to choose from drop downs with standardized responses. 

On XX/XX/year>, I received a response from Equifax stating that they " reinvestigated '' my dispute. Their response also stated, " Inquiries are a factual record of file access and will remain on the Equifax credit file XXXX years from the reported date of the inquiry. '' On XX/XX/year>, I called XXXX XXXX again. I spoke with another woman who checked the system with my name, zip code, and social security number and could not find anything. She transferred me to the XXXX XXXX credit card department. I spoke with XXXX who checked the system with my name and zip code and then told me that I have to talk to Equifax. I asked to speak with a supervisor. After being left on hold for XXXX minutes, a new representative answered. When I explained that I was holding for a supervisor, he put me on hold. After about XXXX minutes, they hung up on me. 

I then called Equifax and spoke with XXXX. I explained what I had done and he told me that since the inquiry is a factual record, Equifax and any other credit reporting agency, would only consider removing it if I filed a complaint with the FTC or with the police. This requirement is not listed anywhere on their website or on the dispute response. I asked to speak with a supervisor and was put on hold. After 10 minutes, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought a truck, the day i was to have both of us sign his dad died so I signed. Most companies including the dealership said the Florida XXXX will allow me to add him to the title. Not the loan, just the title. Wells Fargo said no, we had to refinance, but doesn't refinance. XXXX  consumers when adding someone to th title keeps later issues solved. What if I die? probate? please. Well Fargo is awful and needs to stop giving consumer UDAAP - hey may XXXX XXXX can get his nose out of the XXXX felons XXXX and do some real consumer protection. 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 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I was unaware I had a debt until XXXX and assoc. submitted it to my credit as derogatory. I emailed them to verify the debt, as well as called them, and they never sent any verification. I needed it off my record for my job so I paid them, we reached a settlement. The account dropped off my report but I never got a receipt, a settlement of debt, anything so I know they're just going to sell it to someone or try to collect again. There's no proof I paid them except my bank account so I need a receipt and a letter of settlement. It has to be illegal to not give someone a receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Colony Brands, Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I received a report from XXXX XXXX of a new hard inquiry on my credit report. I found that a new hard inquiry was made through XXXX  by a company called Country Door. The inquiry on my report only provided the date, the name of the company, and the company 's address. I have never heard of Country Door, used their services, had an account, nor applied for credit with them. I have also never received any of their magazines or used their affiliates. 

That evening, I called the Country Door customer service line and spoke with XXXX. She checked her system with my name and zip code, but could not find anything. She told me to call back the next day earlier and someone with more access could help me. 

I then went to the XXXX  website and submitted a dispute regarding the new hard inquiry. There was no place to add any information ; it only allowed me to choose from drop downs with standardized responses. 

On XX/XX/year>, I received a response from XXXX  stating that they " reinvestigated '' my dispute. Their response also stated, " Inquiries are a factual record of file access and will remain on the XXXX  credit file XXXX years from the reported date of the inquiry. '' On XX/XX/year>, I called Country Door again. I spoke with another woman who checked the system with my name, zip code, and social security number and could not find anything. She transferred me to the Country Door credit card department. I spoke with XXXX who checked the system with my name and zip code and then told me that I have to talk to XXXX. I asked to speak with a supervisor. After being left on hold for XXXX minutes, a new representative answered. When I explained that I was holding for a supervisor, he put me on hold. After about XXXX minutes, they hung up on me. 

I then called XXXX  and spoke with XXXX. I explained what I had done and he told me that since the inquiry is a factual record, XXXX  and any other credit reporting agency, would only consider removing it if I filed a complaint with the FTC or with the police. This requirement is not listed anywhere on their website or on the dispute response. I asked to speak with a supervisor and was put on hold. After XXXX minutes, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a p
ayment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am sending notices to my creditors that I no longer am able to pay on the massive credit card debts that have accumulated over the past several years. I request a cease and desist on all phone calls to my cell phone, and that all communications be sent to my home address only. XXXX XXXX

Company response to consumer: Closed with explanation