vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MA

Complaint narrative:
Disputed Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-27 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Courts sent me a letter that they do not work with credit bureaus on verifying information Trans Union and Experian refuse to verify how they verified the bankruptcy on my report equifax couldnt verify it so they deleted it off 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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear OCC Customer Assistance Group, I am filing a formal complaint against Wells Fargo Bank regarding a {$15000.00} domestic wire transfer that has been stuck for 37 days. 

Wire details : Amount : {$15000.00} Date sent : XX/XX/year> XXXX XXXX : XXXX Receiving routing : XXXX ( Wells Fargo used by XXXX XXXX ) Account used : XXXX ( XXXX XXXX  virtual number ) The wire was declined by XXXX XXXX the same day ( Exceeded wire transfer limit ) and the declined entry is STILL visible in my XXXX XXXX Activity today ( screenshot attached ). My XXXX XXXX XXXX statement shows the decline but * * NO return transaction * *. 

XXXX XXXX insists it was automatically returned. The sender ( XXXX XXXX XXXX  ) never received it. Wells Fargo branches say they can not locate the funds with the XXXX. The senders formal recall was rejected. 

This violates federal rules requiring timely return of rejected wires. Please force Wells Fargo to trace the XXXX, locate the {$15000.00} ( likely in suspense ), and return it immediately. 

Attachments XXXX XXXX XXXX Activity screenshot ( Declined entry still visible ) XX/XX/year> XXXX XXXX statement Chat logs with XXXX XXXX  support Full wire details Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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 2025-11-27 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: PR

Complaint narrative:
After reviewing my credit reports, I found several negative accounts and hard inquiries that appear to be reported inaccurately, incompletely, or without proper verification. One mortgage account is showing years of late payments, yet the payment history contains missing months, irregular delinquency patterns, and ND gaps that do not reflect a complete or reliable servicing timeline. A closed auto loan is also reporting multiple late-payment entries with inconsistent sequences and missing information. In addition, a government-related collection account has been reporting continuous derogatory information for more than six years without any supporting documentation, itemized balance history, or evidence that proper notices were ever issued. There are also multiple hard inquiries that I do not recognize, and none of the companies involved have provided proof that I authorized these credit pulls. The information being reported is incomplete and unverifiable, and the furnishers have not supplied documentation that would justify these derogatory entries.

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 2025-11-27 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: AZ

Complaint narrative:
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! 


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 2025-11-27 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:
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 2025-11-27 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-27 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section XXXX ( a ) ( XXXX ) [ XXXX U.S. Code XXXX ( a ) ( XXXX ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section XXXX ( a ).

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 2025-11-27 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section XXXX ( a ) ( XXXX ) [ XXXX U.S. Code XXXX ( a ) ( XXXX ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section XXXX ( a ).

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, good afternoon. 



I would like to open a dispute regarding a credit report entry for my credit card account, because the information submitted by the bank does not accurately reflect my actual balance on the statement closing date. 



Issue details : XX/XX/year> My payment was scheduled on the XXXX. 
The bank did not process the payment on time, even though it was authorized by me. 
As a result, a higher balance than what I really owed was reported, which increased my utilization percentage and negatively impacted my credit score. 
This report does not reflect my real consumer behavior, as there was no late payment or missed payment. 




I respectfully request that an investigation be opened and that the reported balance be corrected to accurately reflect the payment that was scheduled before the statement closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
I am submitting a formal dispute regarding several items on my credit report as provided by your bureau. I have identified multiple errors, including incorrect account statuses and payment histories, and I suspect a data breach involving my personal information. These issues are in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that you investigate and correct these inaccuracies. 
Disputed Accounts : 1. XXXX XXXX  Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Original Creditor : XXXX XXXX XXXX Balance : {$730.00} Account Status : Open, Collection Date Opened : XXXX Violation ( s ) : Incorrect Reporting : The account is inaccurately reported as " open '' instead of " charged off. '' This is a violation of FCRA Section 1681i, which requires the accurate reporting of account statuses.

Payment History Discrepancy : The account shows multiple late payments that were never reported to me. This is a potential violation of FCRA Section 1681c.

2. XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$1100.00} Account Status : Open, Collection Date Opened : XXXX Violation ( s ) : Potential Data Breach : I request verification of whether this account has been exposed to any data breaches under FCRA Section 605B.

Inaccurate Payment Reporting : The late payments on this account do not reflect my actual payment history. This may violate FCRA Section 1681i.

Request for Action : 1. Please conduct an investigation into the accuracy of the reported account statuses and payment histories under FCRA Section 1681i.

2. I request that you investigate whether any data breach has occurred that would have exposed my personal information under FCRA Section 605B.

3. Correct any late payment or charge-off statuses that are inaccurately reported.

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 2025-11-27 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: CA

Complaint narrative:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts. I request that TransUnion investigate these accounts thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : Bankruptcy, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Bankruptcy, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
My account with EQUIFAX 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. EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
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! 


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 2025-11-27 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to notify you of a major FCRA and FDCPA violation regarding the way certain collection accounts are being reported on my credit file. 

If you are reporting for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX, please take notice : A collection account can not legally be reported as Late, Past Due, or Open on a consumers credit report. Once an account has been charged off and transferred/sold to collections, it can not continue to update as a late payment account. Doing so is inaccurate, misleading, and a violation of federal law. 

I am formally disputing this reporting under the following statutes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information that they know or should know is inaccurate. 
15 U.S.C. 1681i You are required to investigate disputed information. 
15 U.S.C. 1692g ( b ) Debt collectors must cease collection and verify the debt upon written dispute. 

Thank you for your immediate attention.

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 2025-11-27 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:
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! 


XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> XXXX  XXXX XXXX - XX/XX/year>

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am requesting that CoreLogic, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file, i had been victim of identity theft. 
These companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. 

I am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.

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