vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-12 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: TX

Complaint narrative:
Home was burglarized several years ago. Have been dealing with ppl opening up accounts in my name for the past 2 years. Went to the police and obtained a police report, a FTC report and other information so that the CRA 's can block these accounts from my consumer 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 2025-06-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
15usc1692g Debt Validation Letter Send me a full detail of my payment history on this account I want to see the original signature signed by me on this account Has there been any insurance claim filed or found on this debit I want to see the chain of title that you have to collect on this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$24000.00}

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
Got an email that I have a card opened with Current. I have never apply for or looked into or even know what this company is. Got an email stating my card is good to go. I cant find anything on my credit report. But just wanted to report and make sure I do not have theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX C, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a notification about someone trying to take money out of my account. Following that occurrence, I get a call from someone posing as a Wells Fargo representative. They assured me that they would issue me a new card and verified my information before that. I mistakenly trusted them and gave them my pin. Following that phone call, I took a nap since I work a graveyard shift. Once I woke up, {$1900.00} had been withdrawn from my account through 6 transactions in XXXX ( Im in XXXX XXXX ). I contacted Wells Fargo Customer Service right after finding out so they can be notified about the incident. Then the next day, I contacted the Wells Fargo Fraud department to once again, fill them in on what happened. They assured me that this was a growing crime and that theyll get right on it and should be able to give me an answer 210 business days. I called every other day in til today which is the XXXX day on their window just to stay updated. So, about an hour ago, I receive a message that determined that there were no errors with the transactions. I was completely confused, because : 1 ) They took out more that my daily withdrawal limit which is {$1200.00}.

2 ) Ive never had any incidents like this nor have I ever showed any inconsistencies on my bank account. 
3 ) It was a few days before my rent was due, and those are the biggest withdrawals that I make on a regular basis which is {$1400.00}, so this completely breaks my routine. 
4 ) Theres no way I could have gotten to XXXX to even make a withdrawal within a few hours of the phone conversation and the withdrawal times. 
5 ) I never even had the physical replacement card in my possession to even make a withdrawal. 

Yes this was my foolish mistake, but I am extremely disappointed in Wells Fargo after being an upstanding customer for years. To be assured that this happens and yet, still be denied my money after being scammed by a person posing as a Wells Fargo rep is a horrible feeling.

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 monetary relief
Consumer complaint received 2025-06-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This is a new formal complaint regarding a previously disputed account reported as a charge-off by BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite having submitted multiple disputes through the proper channels, the account was simply marked as " verified '' without any documentary proof or a proper reinvestigation, as required by law. 

The account continues to reflect negative and inconsistent data across the credit bureaus : - Inaccurate payment dates, credit limits, and balances. 
- Conflicting statuses, such as " Paid Charge-Off '' vs. " Paid '' vs. " Derogatory ''.

- No proof has been provided to support the legitimacy or accuracy of the account. 

Furthermore, no IRS Form 1099-C has ever been issued, despite the debt being allegedly charged off, which directly violates 26 U.S. Code 6050P. According to federal law, this form must be provided if a debt has been forgiven or written off for tax purposes. The failure to provide such documentation suggests that the item is either unverified or improperly handled.

These actions violate the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and other consumer protection laws including the Gramm-Leach-Bliley Act ( GLBA ) and the Privacy Act.

This inaccurate and unverified account is actively damaging my credit profile. I am formally requesting that this account be removed from all credit reports due to failure of proper verification and multiple legal violations. I am attaching a formal dispute letter, my government-issued ID, and a copy of the credit report showing the inconsistencies for your review. 

If this matter is not resolved promptly, I will escalate this case to the FTC and my State Attorney Generals office.

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 2025-06-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Over the past several months, I have submitted four separate written disputes to each of the three credit bureaus regarding inaccurate and unverified debts listed on my credit reports. In my letters, I clearly requested that they verify the accounts in question and provide evidence of the method and results of their investigation. 

Despite these efforts, all three credit bureaus have responded stating that the accounts were " verified as accurate '' without supplying any documentation or evidence from the original creditors. This constitutes a violation of my rights as a consumer under FCRA, which requires that they : Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) ; Provide the consumer with the results of the reinvestigation, including the name, address, and phone number of the furnisher of the information ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) ; and Delete or modify inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ). 

None of these obligations have been fulfilled in my case. The continued reporting of these unverifiable accounts is not only damaging my credit score but is also a form of negligent and potentially willful noncompliance.

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 2025-06-12 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:
I am writing to file a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Over the past several months, I have submitted four separate written disputes to each of the three credit bureaus regarding inaccurate and unverified debts listed on my credit reports. In my letters, I clearly requested that they verify the accounts in question and provide evidence of the method and results of their investigation. 

Despite these efforts, all three credit bureaus have responded stating that the accounts were " verified as accurate '' without supplying any documentation or evidence from the original creditors. This constitutes a violation of my rights as a consumer under FCRA, which requires that they : Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) ; Provide the consumer with the results of the reinvestigation, including the name, address, and phone number of the furnisher of the information ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) ; and Delete or modify inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ). 

None of these obligations have been fulfilled in my case. The continued reporting of these unverifiable accounts is not only damaging my credit score but is also a form of negligent and potentially willful noncompliance.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by TransUnion for the following accounts : XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Account XXXX XXXX XXXX XXXX  ). Specifically, TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese fraudulent accounts consist of an account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Home was burglarized several years ago. Have been dealing with ppl opening up accounts in my name for the past 2 years. Went to the police and obtained a police report, a FTC report and other information so that the CRA 's can block these accounts from my consumer 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
Home was burglarized several years ago. Have been dealing with ppl opening up accounts in my name for the past 2 years. Went to the police and obtained a police report, a FTC report and other information so that the CRA 's can block these accounts from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Home was burglarized several years ago. Have been having problems with other ppl using my personal information to open up accounts. I am requesting that these accounts are blocked pursuant the FCRA section 605B

Company response to consumer: Closed with non-monetary relief