vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-06-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received notice that the WFP is preparing to transfer funds belonging to the decedent to the State of CA. ( see notice ). On XX/XX/year>, I emailed WFB requesting instructions on how to claim the property ( see attachment ). I have not received a response from WFB.

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 2025-06-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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 inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
After checking my credit report XXXX noticed multiples inaccurate fraudulent hard inquiries on my report that I didn't signed up for.

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 2025-06-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit report XXXX noticed multiples inaccurate fraudulent hard inquiries on my report that I didn't signed up for.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I bought dental personalized retainers from XXXX XXXX XXXX back in XXXX of XXXX. I received retainers that did not fit my teeth. I returned this product to XXXX XXXX XXXX, they never wanted to refund me so I dispute this with my Apple Card MULTIPLE TIMES and Apple is refusing to protect me. Apple keeps charging me the disputed amount over and over, even when I returned the product XXXX XXXX XXXX XXXX and the retainers did not fit. Apple Card is not protecting me at all as a costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MO

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On or around XX/XX/year> Capital One restricted all of my credit cards due to fraud. The bank did not provide any notice on the matter and the restriction came after a payment towards the credit balance on XXXX account they restricted and closed all accounts. They have been reporting non payment on the credit line saying it is still open. When I called to get justification they said the account were flagged for fraud and closed them without any explanation. I am in the XXXX and the credit line has been open for 8 years. With no question and the strike of Capital Ones gavel i have been sit back XXXX points on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I PURCHASE MY RENTAL PROPERTY BACK IN XXXX XXXX  AROUND MAYBE XXXX. I DONT REMEMBER ME AND MY HUSBAND GETTING ELECTRIC AND WATER BILL BUT I BELIEVE HE DONE THAT. I BELEIVE THE BILL WAS IN HIS NAME MAYBE FOR HERE MONTHS MAXED. FOR CONTRACTOROS TO COME DO WORK AND FOR THE PEOPLE AND REALTORS TO SHOW THE PROPERTY. NEVER FROM THAT TIME DID ME OR MY HISUBAND HAD ANY UTILITIES IN OUR NAME.THE BILL FROM THE COLLECTION AGENCYSAYS ITS {$4000.00}, THAT MEANS IF IM JUST GUESSING THAT THE RENTOR TOK MY INFORMATION AND OPEN UP UTILITY IN MY NAME. IM VERY CAREFUL WITH MY CREDIT, I HAVE ACCOUNTS WITH ALL THE CREDIT BUREAUS AND ALERTS, PLUS I MAKES IT A DUTY TO STAY ON TOP OF EVERYTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
My mother called me this morning ( XX/XX/year>, XXXX XXXX  ) to inform me that a collection company ( XXXX XXXX XXXX XXXX has been reaching out to her " for the last month or XXXX '' to which she finally answered the phone call attempts to see who it was, they then said to my mother " We are looking for XXXX XXXX XXXX is this XXXX XXXX '' to which my mother replied no and inquired about the reason for the call to which they replied, " We are debt collection agency and we are trying to resolve debt with her past due account for a furniture company. '' I then immediately called XXXX XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and spoke to XXXX XXXX ( spelled as phonetically accurate as she did not spell her name ) with my formal complaint. 

1 ) They have completely violated my HIPAA rights by not only contacting someone other than myself BUT also sharing the information regarding my account to someone who is not authorized to know a single thing about the debt.

2 ) They stated they had the right to call anyone to get in contact with me. This is also not accurate as this is a complete violation of my privacy. They can absolutely see who they are calling to get ahold of me and which numbers do NOT belong to my name.

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 2025-06-30 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: AK

Complaint narrative:
TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION USC 1681a ( 2Xi ), USC 1666b, 12 CFR 1026,13 BILLING ERROR RESOLUTION USC 1692C, USC 1692G, USC 1692e ( b ) USC 1681B ( a ) ( 2 ) USC 1635, USC 1692G, ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS ATTN : EXPERIAN TRANSUNION EQUIFAX ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ 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 PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF { GAAP } YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681 ( ad2ai ) STUDENT LOAN REHAB OFF CREDIT USC 1681 ( a ( b ( 2 ) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER AND FOLLOW FCRA PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER ; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB AGAIN. ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER AND THE FORWARD FLOW AGREEMENT HONESTLY, Affiant :. XXXX XXXX XXXX. Living Man Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE

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 2025-06-30 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: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

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 2025-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am submitting this complaint to dispute a charge-off entry that is currently being reported on my credit file by XXXX XXXX and TransUnion for XXXX account listed as XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$0.00}. This entry is both inaccurate and misleading, and it should not appear on my credit reports in its current form or at all. 

According to all three bureaus, this account reflects a {$0.00} balance, which confirms that the debt has either been settled, paid in full, or otherwise resolved. Despite this, the account is still being labeled as a charge-off, which is a derogatory status that unfairly suggests a loss was incurred or the account was defaulted in a way that remains unresolved. If the balance is {$0.00}, there is no justification for continuing to report the account as charged-off particularly in the absence of any documentation verifying that the account was ever properly delinquent or charged off in the first place. 

As someone who takes their credit profile seriously and monitors it regularly, I find this entry damaging and irresponsible. It misrepresents my financial behavior and negatively impacts my score, which directly affects my ability to access credit, housing, and other essential services. Furthermore, I have never been provided with any written verification from XXXX or any of the credit bureaus that substantiates this charge-off designation. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required under 15 U.S.C. 1681e ( b ) to maintain information with the maximum possible accuracy. Additionally, 15 U.S.C. 1681i mandates that a credit bureau must conduct a thorough reinvestigation of any disputed item and remove it if it can not be verified. In this case, all three credit bureaus have failed to demonstrate compliance with either of these obligations. 

The continued presence of a $ XXXX charge-off without any supporting documentation from XXXX and no explanation of the resolution is a clear violation of federal reporting standards and my rights as a consumer.

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