vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I believe there are inaccurate late payment entries on my report. According to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, my report must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, they should be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6

05B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block informa
tion 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 XXXXXXXX XXXX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AR

Complaint narrative:
US Bank has caused a XXXX point drop in my credit score by not updating the correct balance to all three credit bureaus. I have disputed it four times in a row now. Transunion stated they did not even reply, XXXX  replied that US Bank verified the amount which is a total farce. On XXXX i paid off {$27000.00}, two months later no update to credit report and even with disputes they are verifying the account incorrectly still and refusing to make changes. This negatively impacts my life and my ability to get financing and the lenders that do approve financing have higher than normal rates based on the false credit report they refuse to update. One dispute did fix it, but the next report update after it went right back to inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-30 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 never approved these accounts, as they were fraudulently opened, so please remove them from my credit file under USC 1681g within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Forms where submitted to the XXXX XXXX  and copies sent to the the US Department of education and XXXX. They refused to process and as they where settled by the IRS under the XXXX. They responded with someone else information ( XXXX XXXX ) and security note with their XXXX loan information unrelated to the XXXX 's inquiry. this included XXXX XXXX  account information and address and SSN number. this is a settled matter as they accepted by accord an satisfaction and now refuse to process The XXXX XXXX forms to settle the matter and saying it is invalid. 
My concern also is that they have sent my SSN address and loan account and information to another therefore causing a data breach and sharing my information without consent concerning the correspondence between US dept of Education and XXXX. Pleas see attached of what was received. This information is unrelated to me and out correspondence and they refuse to respond to me to confirm settlement accepted by the XXXX XXXX  and the IRS.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 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: GA

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

1681c-2 ) that you, the Experian Credit 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 XXXXXXXX XXXX XXXX XXXX : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I filed a fraud complaint back in XXXX, which has XXXX open until XX/XX/XXXX. First they said I didnt have enough information I gave them more documents proof of my XXXX  and proof of a police report. Then they said some of the transactions were too old, then they changed it to there was no proof that it was fraud. They did not tell me this until XX/XX/XXXX when I called. 

I have filled a police report and proved that it was not authorized by my device. 

They also refused to email me over a written statement as to why I was denied. I was told to wait 30 more days. Mind you this has been since XXXX already. I never received professional credit or a phone call from Wells Fargo. My claim just sat there for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a request to a major credit reporting agency to correct inaccurate personal information on my credit report. Specifically, I asked them to update my file to reflect my correct legal name and current address, and to remove outdated or incorrect name variations and previous addresses. 

Despite providing proper documentation to support my request, the credit bureau has failed to make the necessary updates within the timeframe required under the Fair Credit Reporting Act ( FCRA ). The presence of incorrect personal information on my credit report is unacceptable and may negatively impact my credit profile.

I am seeking immediate resolution and confirmation that my credit file reflects only accurate and verified information and all other incorrect information be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I sent a certified letter to Experian on XX/XX/XXXX with tracking XXXX XXXX it shows the delivery date of XX/XX/XXXX at XXXX in XXXX TX XXXX letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX  XXXX - {$0.00} ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian failed to respond. I sent another letter on XX/XX/XXXX which they failed to respond once 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is a follow-up to a previous identity theft dispute I submitted more than 30 days ( XX/XX/year> ) ago to Experian, Equifax, and TransUnion. I received no response, and the fraudulent accounts I reported are still being reported on my credit file, despite my submission of all documents required by law. 

I am a victim of identity theft. The following unauthorized accounts were fraudulently opened in my name and are damaging my credit : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted the following required documentation in my prior dispute : FTC Identity Theft Report ( Report # : XXXX ) Government-issued ID Proof of address Under FCRA 605B, the credit bureaus are legally required to block this information within 4 business days. That did not happen. This is now a clear violation of federal law, including : FCRA 605B Failure to block fraudulent information FCRA 611 ( a ) Failure to respond or reinvestigate FCRA 623 ( a ) ( 6 ) Duty to report accurately FCRA 616 & 617 Civil liability for willful or negligent noncompliance The lack of response from all three bureaus is unlawful, harmful, and negligent. I am now seeking legal action for damages and will hold them accountable for every day these false accounts remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is a follow-up to a previous identity theft dispute I submitted more than 30 days ( XX/XX/year> ) ago to Experian, Equifax, and TransUnion. I received no response, and the fraudulent accounts I reported are still being reported on my credit file, despite my submission of all documents required by law. 

I am a victim of identity theft. The following unauthorized accounts were fraudulently opened in my name and are damaging my credit : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted the following required documentation in my prior dispute : FTC Identity Theft Report ( Report # : XXXX ) Government-issued ID Proof of address Under FCRA 605B, the credit bureaus are legally required to block this information within 4 business days. That did not happen. This is now a clear violation of federal law, including : FCRA 605B Failure to block fraudulent information FCRA 611 ( a ) Failure to respond or reinvestigate FCRA 623 ( a ) ( 6 ) Duty to report accurately FCRA 616 & 617 Civil liability for willful or negligent noncompliance The lack of response from all three bureaus is unlawful, harmful, and negligent. I am now seeking legal action for damages and will hold them accountable for every day these false accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a follow-up to a previous identity theft dispute I submitted more than 30 days ( XX/XX/year> ) ago to Experian, Equifax, and TransUnion. I received no response, and the fraudulent accounts I reported are still being reported on my credit file, despite my submission of all documents required by law. 

I am a victim of identity theft. The following unauthorized accounts were fraudulently opened in my name and are damaging my credit : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted the following required documentation in my prior dispute : FTC Identity Theft Report ( Report # : XXXX ) Government-issued ID Proof of address Under FCRA 605B, the credit bureaus are legally required to block this information within 4 business days. That did not happen. This is now a clear violation of federal law, including : FCRA 605B Failure to block fraudulent information FCRA 611 ( a ) Failure to respond or reinvestigate FCRA 623 ( a ) ( 6 ) Duty to report accurately FCRA 616 & 617 Civil liability for willful or negligent noncompliance The lack of response from all three bureaus is unlawful, harmful, and negligent. I am now seeking legal action for damages and will hold them accountable for every day these false accounts remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was a victim of identity theft in XXXX  when someone stole my wallet containing all my personal information. Since then, fraudulent bank accounts have been opened in my name without my knowledge or authorization. Even some accounts that I had previously opened were accessed and misused. 

Because of this, I have been wrongfully reported to ChexSystems and XXXX XXXX XXXX. As a result, I have been denied from opening any bank account or getting a debit card at any bank in New York, including Bank XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX XXXX. 

I have attempted to dispute this through letters and direct contact with the banks, but I have not received any proper response or help. I am now requesting the CFPB to assist in removing all incorrect negative records from these systems and help restore my right to access basic financial services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Kikoff Inc.
State: GA

Complaint narrative:
I have noticed an issue with my credit report, which appears to include information about a loan or debt that has been reported improperly. It is my understanding that the organization listed below has now become a " furnisher '' of information to the CRAs and is no longer classified as a debt collector for this account. As a result, the organization is required to provide accurate information and evidence of any reporting they submit to the CRAs.

However, they have failed to provide or substantiate the following documents when requested : 1. Loan Agreement The formal contract outlining the terms, conditions, and nature of the loan.

2. Flow Sale Agreement The agreement detailing the terms under which this loan or debt may have been transferred, sold, or reassigned.

3. Purchase Agreement Any agreement indicating the purchase or acquisition of the loan, debt, or account in question.

As of today, no evidence has been provided to demonstrate the legitimacy of the reporting on my credit file. Given that the reporting seems to be in violation of the applicable subscriber agreement with the CRAs, I believe this is a matter that requires immediate attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation