vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX FTC Report Number : XXXX XXXX Who are you complaining about? 

Company : Credit Reporting Agencies ( Experian, XXXX XXXX XXXX Furnisher ( Creditor ) : XXXX XXXX XXXX XXXX  XXXX XXXX. What is your complaint about? 

A previously disputed and deleted account was reinserted into my credit report without notice, violating the Fair Credit Reporting Act ( FCRA ). The account from XXXX XXXX XXXX XXXX  XXXX ( account number partially shown as XXXX ) was originally flagged as identity theft in XX/XX/XXXX and should have remained removed. However, it was reinserted in XX/XX/XXXX without compliance to FCRA reinsertion procedures. 



XXXX. What laws were violated? 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If a consumer reporting agency reinserts information previously deleted due to a dispute, it must notify the consumer in writing within 5 business days and include the name, address, and phone number of the furnisher.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher must not report information it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681c-2 ( a ) The consumer has the right to block fraudulent information resulting from identity theft, and it must not be resold or reinserted unless certified by the furnisher.

Willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o for failing to follow lawful procedures.

4. Details of the issue : I never received the 5-day written notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The furnishers name and contact information were not disclosed.

The information was reinserted without certification of accuracy, as required by law.

This account was initially flagged as identity theft via FTC Report and should be permanently blocked under FCRA 1681c-2.

The reinsertion has damaged my creditworthiness, causing financial harm and emotional distress.

5. Resolution Requested : Immediate deletion of the XXXX XXXX XXXX XXXX  XXXX account from all credit reports. 
Written explanation from each credit bureau confirming the deletion and reason for the reinsertion. 
Sanctions, fines, or required corrective measures imposed on the violating agencies or furnishers for failure to follow FCRA reinsertion requirements. 
Permanent block of this fraudulent account under FCRA 1681c-2.

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 2025-07-15 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: NJ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please correct the late payment on the following account. 
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 2025-07-15 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: SC

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!

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the collection account that LMMINC is reporting to the credit bureaus regarding an alleged debt from a company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly and negatively impacted both my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honoredthese inquiries remain on my report.

Your continued failure to take corrective action is unacceptable. The persistent presence of these potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft. This unresolved matter is causing ongoing financial and emotional harm.

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 2025-07-15 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: CA

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization. I have never opened, used, or managed these accounts. Their presence on my credit report is entirely unacceptable, as they reflect false and misleading information about my financial history. I take the integrity of my credit profile very seriously. These unauthorized accounts are causing undue harm and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. 

The account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. 

I filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. 

This tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.

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 2025-07-15 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:
I am disputing the reporting of a collection account that I have no affiliation with. I never authorized this debt, and its reporting suggests a misuse of my personal 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 2025-07-15 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: MO

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 
The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX XXXX OF XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 
Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 
In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. 

These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

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 XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-15 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my dissatisfaction with the manner in which my dispute has been handled by your company. Despite multiple attempts on my part to rectify inaccuracies on my credit report, I have encountered significant hurdles in achieving resolution. 

I wish to bring to your attention that I am currently seeking legal counsel regarding this matter under the Fair Credit Reporting Act ( FCRA ). As per the FCRA regulations and the advice of my legal counsel, it is incumbent upon your company to conduct a thorough and reasonable investigation into the disputed items presented by consumers. Regrettably, this has not been the case in my situation. 

I understand that your company receives numerous complaints similar to mine, and it may be tempting to simply forward this letter to your legal department. However, I must emphasize that I am fully prepared to escalate this matter to the appropriate authorities if a satisfactory resolution is not reached. 

Please be advised that failure to conduct a proper investigation and provide a substantive response to my dispute will compel me to pursue further legal action. I will not hesitate to engage my FCRA attorney and file complaints with the relevant regulatory bodies, including but not limited to the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and state Attorney General 's office. 

To reiterate my dispute : XXXX Account XXXX : XXXX I trust that you will take this matter seriously and undertake the necessary steps to address my concerns promptly and effectively. Your cooperation in resolving this issue is greatly appreciated.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We are not customers of Wells Fargo Bank, but pay a credit line from XXXX XXXX XXXX there only and on XX/XX/XXXX I walked into a Wells Fargo Bank and handed {$80.00} to a banker to make a payment on a XXXX party furniture account. I received XXXX receipt, see attached. I never received money back as I handed her cash to make the payment. I have no personal accounts with this bank. The amount was not put into our account. Later, I contacted XXXX of Wells Fargo Bank, and they shuffled me between departments saying they'd investigate. However, noone ever viewed the cameras as they said they'd try to do and closed out all cases. I have done everything they've asked me to do. I've been working with them since XX/XX/XXXX to resolve the problem. It's still unresolved.

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 2025-07-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
1. XXXX XXXX. 
a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>2024. 
b. The company took no action. 

2. XXXX XXXX XXXX XXXX. 
a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>2024. 
b. The company took no action. 

3. XXXX a. Hard credit inquiry into my credit score. This occurred on XX/XX/year>2024. 
b. The company took no action.

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 2025-07-15 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: CA

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my credit report from Experian, Equifax, and TransUnion. I never gave written authorization for these inquiries. I submitted a written verification request to Experian on XX/XX/ XXXX XXXX but received no response. I havent received any communication from the bureaus verifying or removing these inquiries. I believe these inquiries violate the FCRA and are harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my credit report from Experian, Equifax, and TransUnion. I never gave written authorization for these inquiries. I submitted a written verification request to Experian on XX/XX/ XXXX XXXX but received no response. I havent received any communication from the bureaus verifying or removing these inquiries. I believe these inquiries violate the FCRA and are harming my credit.

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