vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found this specific collections account on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. I have not been contacted or warned of any debt by the debt collector " XXXX  XXXX XXXX XXXX '', I only found out of this debt collector due to me receiving a credit alert. I have been very attentive to my credit report checking my alerts through credit monitoring at least 3 times a week! I was just preapproved to purchase my family a home and now this disaster has happened. Please remove these fraudulent accounts from my credit report as soon as possible. 
Listed on my Transunion, Experian, and Equifax report the original creditor is XXXX XXXX XXXX, the collection agency listed is XXXX  XXXX XXXX XXXX the account number to reference is 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 2025-05-17 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-16 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ALDOUS AND ASSOCIATES regarding an account I have with them XXXXXXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ALDOUS ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$940.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ALDOUS AND ASSOCIATES but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
noted a significant score drop of approximately XXXX points as my credit card balance increased from {$25.00} to {$1100.00}, raising my utilization from 0.5 % to 22.5 %. As of XX/XX/2025, this balance has been fully paid off and now reflects a {$0.00} balance, resulting in 0 % utilization. 

According to my documented score behavior : The increase in balance from {$25.00} to {$1100.00} led to a XXXX drop. 
Therefore, the return to {$0.00} ( 0 % utilization ) should result in a comparable increase of XXXX points, restoring my score to its prior standing. 
If my credit score is not accurately updated to reflect this.

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 2025-05-16 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: NY

Complaint narrative:
noted a significant score drop of approximately XXXX points as my credit card balance increased from {$25.00} to {$1100.00}, raising my utilization from 0.5 % to 22.5 %. As of XX/XX/2025, this balance has been fully paid off and now reflects a {$0.00} balance, resulting in 0 % utilization. 

According to my documented score behavior : The increase in balance from {$25.00} to {$1100.00} led to a XXXX drop. 
Therefore, the return to {$0.00} ( 0 % utilization ) should result in a comparable increase of XXXX points, restoring my score to its prior standing. 
If my credit score is not accurately updated to reflect this.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
requested the company to verify the debt with a signed contract that it was my debt

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Formal Dispute Request Under FCRA Permanent Deletion Demand

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 2025-05-16 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: MI

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im writing because there are multiple inquiries on my credit report that I never authorized. I did not apply for credit with these companies, and I absolutely did not give them permission to access my credit file. This is not only unauthorized but a clear violation of my consumer rights. Whats even more frustrating is that I already reported this to Equifax. A representative told me these inquiries would be removed, but theyre still showing up. This situation is seriously affecting my credit score and creating unnecessary XXXX, especially with the real concern that I may be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). 

In addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. 

These repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: ND

Complaint narrative:
I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). 

In addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. 

These repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue

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 2025-05-16 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: MO

Complaint narrative:
My personal information was exposed in the XXXX  Equifax data breach, and since then, several fraudulent accounts and hard inquiries have appeared on my credit reports. I have submitted multiple disputes and provided my FTC report. 

Despite this, Equifax has failed to remove the fraudulent items or properly investigate my disputes. Under the Fair Credit Reporting Act ( FCRA ), they are required to block identity theft-related information within four business days after receiving proper documentation ( 15 U.S.C. 1681c-2 ), and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ). They have not followed these legal requirements. 

I am asking the CFPB to help ensure these fraudulent accounts and inquiries are permanently removed from my credit file, and that Equifax complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern : This complaint is against the XXXX female manager at the location at XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX, I entered the branch and attempted to inquire about an old balance that I assumed I owedto WellsFargo. The branch manager stated, " He's crazy, '' multiple times as she approached the window. The branch manager then stated under her breath multiple times, " He's XXXX, he's XXXX. '' The branch manager then stated " He is crazy, '' at which time I responded, " She's mentally ill. '' The branch manager then tried to play like the victim. The branch manager then stated, " We don't need guys like him in here. '' At this point she directed the XXXX XXXX XXXX XXXX to remove me from the branch unprovoked and unnecessarily.I construed her comments about " guys like him, '' to mean XXXX or XXXX XXXX or straight men who wear fitted athletic clothes. '' The branch manager also stated " He's wearing underwear, girl, '' referring to my workout shorts. It was rude and unnecessary. 

I was the only customer inside of the branch at the time so I confirmed that I was in fact the person whom she was directing her unlawful and discriminatory comments toward. 

I believe I was discriminated against by the branch manager because of my XXXX orientation, gender, and because I am a XXXX male interested in a financial relationship with WellsFargo. The branch manager was no longer assisting me and instead one of her tellers was. She continued to levy her insults towards me while I was transacting business with the teller. 

It should also be noted that I filed a complaint against this same branch manager in XXXX for the same behavior, attitude and actions towards. I am also concerned that this manager has used law enforcement to discourage customers whom she has personal dislikes or differences such as their sexual orientation, gender or race. I would definitely request that she be required to report customers who were thrown out of the branch. 

I would appreciate it if you would review this and provide me with an update. 

Sincerely, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : 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