vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies found in my credit file maintained by XXXX. My LAST NAME is missing kindly put " XXXX '' I request that TransUnion update my credit file to reflect my full and correct name as " XXXX XXXX XXXX XXXX XXXX. '' Additionally, there is an inaccurate addresses listed in my credit file : " XXXX XXXX XXXX XXXX, NJ XXXX. '' " XXXX XXXX XXXX XXXX NJ XXXX '', and " XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX '' I do not reside at these addresses, and I kindly request that XXXX remove thiese inaccurate information from my credit file. My correct and accurate address is " XXXX XXXX XXXX XXXX XXXX XXXX. '' I ask that TransUnion update my file with this accurate address and remove any inaccurate entries to ensure the accuracy of my credit report. 

The continued presence of these inaccuracies on my credit report is negatively impacting my credit standing, and I respectfully ask the CFPB to assist me in resolving this matter promptly. I am aware that the FTC is currently shut down, which is why I am seeking help through the CFPB to ensure my rights are upheld under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: TX

Complaint narrative:
Has contacted my family members by texted. Repeatedly to the point of harassment. Every other day since XX/XX/2025. Text message revealed all my information including amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : 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 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 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 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 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 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 explanation
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
My account with XXXX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments 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 2025-10-28 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo claims department on XXXX XXXX XXXX to dispute fraudulent charges that stated digital tap on my debit card I was informed I had to wait till it posted so I did. The charges was at XXXX {$50.00}, {$50.00}, {$70.00} and XXXX for {$49.00} and a charge for {$18.00} with some XXXX company so they did a temporary reversal. On XXXX XXXX XXXX I checked my account and saw the fee reversed back so I called the claims department and spoke with XXXX she was no help so I asked to speak with the manager I cant recall her name but the call was recorded she was very Rude!!! I asked how did they do their investigation she stated it was an internal investigation I asked did they look at the cameras to see was it me at these stores which are located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The manager stated no they did not but because I stated I had not lost my phone these are valid charges and its nothing else they could do and that I could call the retailers to see if they would refund my money. I called all 4 of the merchants store managers and they could not locate these charges ending with the last 4 of my card number which I provided to them and they couldnt refund my money to call my bank back to have them refund it. I called XXXX corporate office and spoke with XXXX she gave me a case numbers ( XXXX, XXXX & XXXX ) but XXXX at XXXX corporate office stated via phone she checked and there is no purchases for my card to have WF call their corporate office at XXXX. I could not find any phone number to contact the XXXX company to file a claim and Wells Fargo IT/investigation dept should be able to locate them and get to the bottom of it. I will even give them permission to have my cellphone company see where I was at doing those fraudulent charges dates if necessary. One LAST attempt prior to filing a lawsuit against Wells Fargo.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I ordered an item and was scammed they never sent me the item it was for about XXXX $ I reported this to cashapp and they denied my claim and then also on top of that they banned my card and banned me from ever getting another card I called multiple times about this issue but they always just say I violated a terms of service but never told me which terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am a victim of identity theft. There are several loans, personal car loan that i didnt authorize or give anyone permisoon to open. This has really affected my abilitys to provide for my family

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 2025-10-28 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: NC

Complaint narrative:
I am a victim of identity theft. There are several loans, personal car loan that i didnt authorize or give anyone permisoon to open. This has really affected my abilitys to provide for my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding fraudulent activity on my Discover credit card that started on XXXX to XXXX of 2025. 

We promptly contacted Discovery upon noticing unauthorized charges. While the investigation was underway, it unfortunately extended beyond 30 days. Upon following up, I was unformed that discovery had received credit from the merchant, but the transactions could not be properly balanced. 

This delay has consequently impacted my credit score, and now I am being ask for additional 30 days to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: First Choice MH LLC
State: MI

Complaint narrative:
Ive checked out XXXX XXXX XXXX because they advertise rent to own programs and becoming homeowner rocks so they didnt offer any those services for first time buyers, they push there consumers to buy the homes, I had filled out the application and I was pre approved to purchase the home, until they received the landlord verification, then XXXX rejected my application and approval, sales person told me to apply at the other financial services provider, didnt even tell me that the community manager would deny me anyways because of the landlord verification, this was unfair and wasted my time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
b'This letter is a formal dispute under 15 U.S.C. 1681i(a)(1)(A) for inaccurate and unauthorized information on my credit report.\n XXXX XXXX  Account # XXXX XXXX XXXX XXXXnPlease verify this tradeline and remove any reference to a 60-day late payment if you cannot substantiate it. Provide written documentation of your reinvestigation process under 1681i(a)(6)(B)(iii) and 1681i(a)(7).\n Unverified / Unauthorized Inquiries\nCreditor\nDate\nReason for Dispute\nXXXXnNo account; no consent\nXXXX\nNo account; no permissible purpose\nUnder 1681b(a)(2), reports may be furnished only with written instruction. If you cannot prove such authorization, delete these inquiries.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing a collection account reported on my credit report under the name Unknown, with a balance of {$760.00}. Despite multiple disputes with the credit bureaus, no original creditor has been identified, and I have received no documentation verifying the validity of this debt. 

This reporting violates the Fair Credit Reporting Act ( FCRA 609 & 623 ) and Metro 2 compliance standards outlined in the Credit Reporting Resource Guide. No contract, billing statement, or proper chain of assignment has been produced. The furnisher is reporting a derogatory tradeline without a source, and the credit bureaus have failed to conduct a meaningful investigation. 

I am now requesting CFPB assistance in holding the data furnishers and credit reporting agencies accountable for continuing to report unverifiable, incomplete, and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a collection account reported on my credit report under the name Unknown, with a balance of {$760.00}. Despite multiple disputes with the credit bureaus, no original creditor has been identified, and I have received no documentation verifying the validity of this debt. 

This reporting violates the Fair Credit Reporting Act ( FCRA 609 & 623 ) and Metro 2 compliance standards outlined in the Credit Reporting Resource Guide. No contract, billing statement, or proper chain of assignment has been produced. The furnisher is reporting a derogatory tradeline without a source, and the credit bureaus have failed to conduct a meaningful investigation. 

I am now requesting CFPB assistance in holding the data furnishers and credit reporting agencies accountable for continuing to report unverifiable, incomplete, and misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
My credit report shows multiple inquiries that I do not recognize. I never gave permission to these companies to access my credit report, nor did I apply for any credit with them. I take my privacy and consumer rights very seriously, and having them violated like this is unacceptable. This situation adds unnecessary stress to my already challenging life.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX XXXX, I sent a formal dispute letter to Experian via USPS Certified Mail ( Tracking # XXXX ). This letter included all necessary documentation to verify my identity and address : a copy of my government-issued photo ID, my Social Security card , and a recent utility bill. In the letter, I requested an investigation into inaccuracies on my credit report and the correction of erroneous personal information. 
According to USPS tracking, Experian received my dispute on XXXX XXXX XXXX However, on XXXX XXXX XXXX I received an email from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is unacceptable. I followed all required procedures and provided sufficient documentation to verify my identity. Experians refusal to act on my dispute violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and respond within 30 days of receipt. 
I have attached both my original dispute letter and Experians response as evidence.

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 2025-10-28 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: LA

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