vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
Its extremely upsetting and frustrating to find an unfamiliar inquiry on my credit report this morning. I always review my report carefully, and this was totally unexpected. I thought it might just be a temporary glitch, but refreshing didnt fix it. I need this addressed right away, and I want all my submitted documents checked carefully to ensure this never happens again.

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 2025-04-30 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I have been disputing inaccurate information on my credit report for awhile with Equifax. They're currently reporting a closed account that I formally had with XXXX XXXX XXXX  with the account number of XXXX opened on XX/XX/year> with a balance of {$500.00}. According to " Equifax '' it's 46 late payments, however according to XXXX XXXX XXXX' I have a total of 7 late payments ( non of which this is accurate by the way ) so I typed and wrote a letter directly to Equifax dated on XX/XX/XXXX. On XX/XX/XXXX Equifax, sent me what I like to call a stall letter proclaiming that I need to submit two pieces of information as the address I have on my license is not on their files. Keep in mind when I submitted my letter a copy of my drivers license was enclosed to prove it was me, along with a bill/letter from XXXX XXXX . I am submitting this complaint and seeking your assistance to investigate as to why Equifax refuse to properly report true and accurate information on my consumer report. Furthermore, need I remind them that I was one of the many millions of consumers who was indeed affected with their security breach that took place a couple of years ago. Due to that I am diligently going over my report each and every month to ensure it's reflecting accurate and true information. I requested and demand that Equifax present to me copies from XXXX XXXX XXXX reflecting the 46 late payments that they allege I have. I have already done the same with XXXX and they're still investigating my request. I appreciate your attention to this matter and look forward to obtaining my request soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-04-30 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: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts and hard inquiries were not authorized and must be removed under FCRA 605B and Metro 2 Compliance : Fraudulent Accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Unauthorized Inquiries : Multiple ( full list in uploaded PDF ) Incorrect Names/Addresses : Multiple ( details in PDF ) This is a follow-up complaint. The credit bureaus failed to block these items after being provided documentation. Please review the attached PDF for full evidence and resolution request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts and hard inquiries were not authorized and must be removed under FCRA 605B and Metro 2 Compliance : Fraudulent Accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Unauthorized Inquiries : Multiple ( full list in uploaded PDF ) Incorrect Names/Addresses : Multiple ( details in PDF ) This is a follow-up complaint. The credit bureaus failed to block these items after being provided documentation. Please review the attached PDF for full evidence and resolution request.

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 2025-04-30 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate Credit Information Under FCRA Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am formally disputing the accuracy of the following accounts reported on my credit report : 1. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Charged-off with a balance of {$4500.00} Issue : This account was previously marked in dispute but continues to report inaccurately and shows inconsistent delinquency data between bureaus. 
Request : Please conduct a reinvestigation and remove or correct all inaccurate entries. 
2. XXXX XXXX XXXX ( Acct # XXXX ) Status : Collection {$3500.00} balance Issue : This account is duplicated across multiple entries with different reporting dates and statuses. 
Request : Please remove all duplicate or unverifiable entries. 
3. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Collection Issue : Account reports disputed by consumer, yet remains unresolved and lacks complete data across bureaus. 
Request : Remove or fully verify this account. 

Under FCRA 15 U.S. Code 1681i ( a ), you are required to complete your reinvestigation within 30 days. If these items can not be verified, they must be deleted from my credit file.

Please send me a full updated copy of my credit report reflecting your corrections.

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 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Wyatt Johnson Automotive Group Holdings, LLC
State: AL

Complaint narrative:
Account Wyatt Johnson Auto I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure.

According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made an online deposit into my Wells Fargo checking account on XX/XX/year>2025 at XXXX XXXX On Tuesday, XX/XX/year>2025, there was a hold put on the deposit until XX/XX/scrub>/2025. Wells Fargo stated that the check was XXXX through the ACH on XX/XX/year>, but the check cleared XXXX XXXX on Monday XX/XX/year>2025. The check was XXXX XXXX XXXX 
This has happened before with Wells Fargo, even thought the check cleared, the held my deposit for 8 days. 
I asked Wells Fargo to reject the deposit as XXXXXXXX charge me, and let me negotiate the check with XXXX. They refused. I have the check in my hand. If the can not honor the deposit, they must return the use of the check to me so I can use my other bank. 
I will look for a lawyer to sue Wells Fargo for violation of Consumer Protections : The CFPB investigated and found that Wells Fargo violated the Consumer Financial Protection Act by engaging in unfair and deceptive practices. These practices included, among other things, holding funds unnecessarily after they had been deposited and credited to customer accounts.

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 2025-04-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, Equifax, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of you receiving this complaint.

I am filling this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Other account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Other account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Other account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another Other account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an Other account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent charge-offs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments or in charge-offs as reported. The aforementioned accounts, collections, and charge-offs, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments and charge-offs are a result of identity theft and fraud. I have attached the copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: OR

Complaint narrative:
XXXX XXXX, XXXX I was alerted by XXXX XXXX XXXX that my score had dropped. I looked into my reports at the three agencies Equifax, Experian and Transunion. I filed a dispute with Equifax on XX/XX/XXXX. I also contacted the Bank responsible for issuing a credit card in my name without my consent ( XXXX XXXX XXXX Bank ) and filed a dispute. I also filed a report with the FTC for identity theft. Equifax denied my complaint on XXXX, XXXX without any reason being given. I opened new complaints and sent supporting documentation through the mail which was confirmed as delivered by the USPS tracking on XX/XX/XXXX. I am still waiting for a decision by Equifax. I also filed disputes with Equifax requesting correction for incorrect information on address ( in Kentucky ), incorrect employment information ( XXXX XXXX and XXXX XXXX ), and incorrect hard inquiry ( XXXX XXXX XXXX XXXX ) in my report and today I re-filed the online complaint to Equifax again regarding the identity theft opening of a credit card from XXXX XXXX XXXX  in my name. 

I also contacted Experian online and filed a dispute regarding the XXXX XXXX XXXX  card identity theft ( card is not mine ) and am waiting for a reply. 

I contacted Transunion as well and was told I could only file a dispute through the mail. The dispute documentation was confirmed as received by USPS tracking on XX/XX/XXXX, I have yet to get a reply. 

I called XXXX XXXX XXXX XXXX  again today XX/XX/XXXX and filed another dispute. I have yet to receive even a confirmation email of the dispute filed. The attendant would not let me speak to the fraud department and I did not have any information for me regarding how they can open a card in my name and what information they verified to do so. 

It is incredible difficult to get any information from the credit reporting agencies and the Bank as to what I can do, including what supporting documentation I can provide to prove that none of this information was provided by me ( address, hard inquiry, employment history ) and that I did not apply, take out and receive the XXXX XXXX XXXX XXXX  card, especially since I have never been to Kentucky and have lived in XXXX for the past 20 years. I have excellent credit history and running up a credit card without paying it timely is totally out of character which should have been a red flag for everyone involved! I've 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 explanation
Consumer complaint received 2025-04-30 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: OR

Complaint narrative:
XXXX XXXX, XXXX I was alerted by XXXX XXXX XXXX that my score had dropped. I looked into my reports at the three agencies Equifax, Experian and Transunion. I filed a dispute with Equifax on XX/XX/XXXX. I also contacted the Bank responsible for issuing a credit card in my name without my consent ( XXXX XXXX XXXX Bank ) and filed a dispute. I also filed a report with the FTC for identity theft. Equifax denied my complaint on XXXX, XXXX without any reason being given. I opened new complaints and sent supporting documentation through the mail which was confirmed as delivered by the USPS tracking on XX/XX/XXXX. I am still waiting for a decision by Equifax. I also filed disputes with Equifax requesting correction for incorrect information on address ( in Kentucky ), incorrect employment information ( XXXX XXXX and XXXX XXXX ), and incorrect hard inquiry ( XXXX XXXX XXXX XXXX ) in my report and today I re-filed the online complaint to Equifax again regarding the identity theft opening of a credit card from XXXX XXXX XXXX  in my name. 

I also contacted Experian online and filed a dispute regarding the XXXX XXXX XXXX  card identity theft ( card is not mine ) and am waiting for a reply. 

I contacted Transunion as well and was told I could only file a dispute through the mail. The dispute documentation was confirmed as received by USPS tracking on XX/XX/XXXX, I have yet to get a reply. 

I called XXXX XXXX XXXX XXXX  again today XX/XX/XXXX and filed another dispute. I have yet to receive even a confirmation email of the dispute filed. The attendant would not let me speak to the fraud department and I did not have any information for me regarding how they can open a card in my name and what information they verified to do so. 

It is incredible difficult to get any information from the credit reporting agencies and the Bank as to what I can do, including what supporting documentation I can provide to prove that none of this information was provided by me ( address, hard inquiry, employment history ) and that I did not apply, take out and receive the XXXX XXXX XXXX XXXX  card, especially since I have never been to Kentucky and have lived in XXXX for the past 20 years. I have excellent credit history and running up a credit card without paying it timely is totally out of character which should have been a red flag for everyone involved! I've 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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was affected by the data breaches that affected Transunion, Eqifax and Experian by law i have the right to have accurate data reported on my consumer report and by law i have the right to have my privacy protected, and i have had both of those rights violated and i have been caused great harm and inconvenience by the information that is being reported

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