vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
Attached to this letter are relevant documents that support my claim, including evidence of my status as a victim of XXXX XXXX and any other pertinent documentation. As a victim of XXXX XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. Thank you for your understanding and cooperation in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally dispute derogatory banking information and discharged checking account data that is being reported by your agency and adversely affecting my ability to open a new bank account. Some of these accounts were legally discharged in bankruptcy, while others are outdated or inaccurate. Despite the passage of time and my efforts to move forward, these reports continue to cause undue harm and financial hardship.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure maximum possible accuracy in the information you furnish. Any item that is outdated, unverifiable, or discharged in bankruptcy must be corrected or removed. Additionally, under the Uniform Commercial Code ( UCC 9-210 ), I am exercising my right to request an accurate accounting of all obligations and to verify the entities claiming such obligations are still valid and enforceable. 

These derogatory records are impeding my ability to access basic financial services, including opening a bank account, which in turn impacts my employment, ability to receive direct deposits, and XXXX XXXX XXXX. I am now working to reestablish my financial foundation, and the continued presence of outdated or discharged items conflicts with both the spirit and letter of consumer protection laws.

I respectfully demand the immediate investigation and deletion or correction of any and all inaccurate, outdated, or legally discharged records..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Source Receivables Management LLC
State: NY

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the improper handling and reinsertion of a collection account on my credit report. 

Violation Summary : Unauthorized Sale and Transfer of My Personal Information The original creditor appears to have sold or transferred my personal identifying information to a third-party collection agency without my consent or knowledge. This transaction, if it occurred, was done without proper notice or legal authorization, thereby breaching my privacy and violating FCRAs requirement to ensure that the use and dissemination of consumer information is done with permissible purpose ( 15 U.S. Code 1681b ).

Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful. 

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), Credit bureaus are required under 15 U.S. Code 1681e ( b ) to maintain maximum possible accuracy in consumer credit reports.

I am formally requesting the following actions be taken within the time frame required by law : Immediate investigation and deletion of any duplicate or improperly reinserted collection accounts. 
Disclosure of the source of the information including the Source Receivables Management and XXXX Written explanation of how this account was verified and why it is being reported again. 
A statement of compliance with the reinsertion notification rules, if applicable. 
Failure to comply with this request may result in the filing of formal complaints with the CFPB, FTC, and state Attorney Generals office, and I reserve the right to pursue legal action for damages under 15 U.S. Code 1681n and 1681o, including statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-19 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MS

Complaint narrative:
I am filing this complaint against TransUnion LLC for their ongoing violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal written dispute to TransUnion regarding inaccurate and incomplete information appearing on my credit report. 

On XX/XX/year>, TransUnion responded to my dispute, stating that the disputed information had been verified as accurate. However, they failed to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This statute obligates consumer reporting agencies to provide, upon request, a description of the procedure used to determine the accuracy and completeness of the information, along with the business name and address of any furnisher of information contacted. 

I made a clear request for this information and have yet to receive a compliant response. 

Further, TransUnion has continued to report inaccurate data in violation of 15 U.S.C. 1681e ( b ), which mandates that a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy.

Their conduct demonstrates a pattern of willful noncompliance, actionable under 15 U.S.C. 1681n, and/or negligent noncompliance, actionable under 15 U.S.C. 1681o, both of which entitle me to damages.

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 2025-07-19 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:
To Whom It May Concern, I am writing to dispute a fraudulent item that appears on my Experian credit report. I am a victim of identity theft, and I did not open, authorize, or have any knowledge of the account listed below : XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff Closed on : XX/XX/year> Balance/Past Due : {$2500.00} This account was fraudulently opened in my name and has never been under my control or authorization. Its presence on my report is a direct result of identity theft. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that Experian permanently block and delete this account from my credit report. As required by law, I am submitting the following documents with this letter : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID A copy of a recent utility bill or bank statement verifying my address A copy of my Experian credit report with the fraudulent account clearly marked These materials fulfill the documentation requirements under FCRA 605B . I am requesting that this account be removed from my file within XXXX ( XXXX ) business days of receipt, as mandated by federal law. 

Additionally, I request : A written confirmation of the deletion, An updated and corrected copy of my Experian credit report, and Notification to any third parties that received this fraudulent information. 

Please treat this matter with urgency and ensure compliance with all relevant consumer protection laws. I appreciate your cooperation in resolving this matter swiftly. 

Sincerely, XXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding the inaccurate reporting of late payments on my account ( opened on XX/XX/year> ) as reflected in my credit report. The vehicle in question was returned to the dealership through a voluntary surrender under the guidance of my attorney, as part of a lemon law case due to serious mechanical defects. 
Although the vehicle was no longer in my possession, your company continued to report a XXXX delinquency. This information is incorrect and misleading. I am requesting the immediate removal of these late payments from all credit bureaus ( Experian, TransUnion, and Equifax ). 
Reporting late payments during an active legal process and after a voluntary vehicle surrender does not accurately or fairly reflect my payment history or responsibility. 
Attached are the following documents for your review : A copy of my photo ID and proof of address A copy of my credit report highlighting the inaccurate late payments

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding the inaccurate reporting of late payments on my account ( opened on XX/XX/year> ) as reflected in my credit report. The vehicle in question was returned to the dealership through a voluntary surrender under the guidance of my attorney, as part of a lemon law case due to serious mechanical defects. 
Although the vehicle was no longer in my possession, your company continued to report a XXXX delinquency. This information is incorrect and misleading. I am requesting the immediate removal of these late payments from all credit bureaus ( Experian, TransUnion, and Equifax ). 
Reporting late payments during an active legal process and after a voluntary vehicle surrender does not accurately or fairly reflect my payment history or responsibility. 
Attached are the following documents for your review : A copy of my photo ID and proof of address A copy of my credit report highlighting the inaccurate late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. 

I recently disputed the following account ( XXXX ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed.

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. 

I recently disputed the following account ( XXXX ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed.

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MO

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX To remove all address phones emails not verified by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I paid an advertisement agency to due marketing for my website they said it would be done in 3 weeks and after 3 months it was not done upon that I contacted my bank for reimbursement and stop payment and they denied my claim against the company. 

Wells Fargo Bank

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