vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I am filing this complaint because inaccurate and unlawfully reported information on my credit reports with Experian, Equifax, and TransUnion has directly harmed my ability to provide for my family as a father. These items are preventing me from obtaining credit to secure reliable transportation, housing, and financial tools necessary for the well-being of my children. The continued reporting of inaccurate, unverifiable, and inconsistent accounts and inquiries is causing significant financial and emotional hardship. 

Accounts and Inquiries XXXX. XXXX XXXX {$1000.00} XX/XX/XXXX TransUnion XXXX Equifax Violations : FCRA 1681e ( b ) : Furnisher failed to maintain maximum possible accuracy. The account is inconsistently reported across bureaus. 
FCRA 1681i ( a ) : Bureaus failed to properly reinvestigate after disputes. 
Metro 2 Compliance : Possible incomplete or outdated reporting of status and balance.

Relief Requested : Permanent deletion due to unverifiable and misleading reporting.

XXXX. XXXX XXXX {$1400.00} XX/XX/XXXX TransUnion, Experian & Equifax Violations : FCRA 605 ( a ) ( 4 ) / ( 5 ) : Possible reporting of obsolete or delinquent account beyond the 7-year period.

FCRA 1681e ( b ) : Inaccurate or inconsistent balances across bureaus.

Metro 2 : Payment history or account status may not have been updated accurately.

Relief Requested : Permanent deletion due to outdated, inconsistent, and unverifiable reporting. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX Experian Only Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher failed to provide accurate information to all CRAs.

FCRA 611 ( a ) : Information is unverifiable ; consumer disputes were not properly investigated.

Metro 2 Compliance : Possible incomplete or inconsistent account reporting.

Relief Requested : Permanent deletion due to unverifiable and inconsistent reporting. 


Summary of Violations FCRA 1681e ( b ) : Furnishers must ensure maximum accuracy ; inaccurate balances, missing bureaus, or misreported status violate this.

FCRA 1681i ( a ) : Bureaus must properly investigate disputes and correct or delete unverifiable items.

F

CRA 605 ( a ) : Prohibits reporting obsolete accounts beyond the statutory period. Metro 2 Compliance : Accounts m
ust be reported accurately, completely, and in standardized format.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Our heat pump was lightning struck on XX/XX/2025. We had damage assessed by a reputable HVAC company in our area. The company worked with us and our insurance company, XXXX XXXX, to get payment for the replacement of the unit. On XX/XX/2025 XXXX XXXX cut us a check minus the {$1000.00} deductible for {$12000.00}. The check is made out to us and Wells Fargo, which we completely understand. We immediately contacted Wells Fargo, and have done so 3 times now in an effort to get the check signed for payment to the HVAC company. They want us to sign the check, mail it to them, then upon completion of the work, they will send an inspector to check the work, and send a check to the heat and air company, according to Wells Fargo, the last packet they sent to us for us to give them the check was overnighted on Monday XX/XX/XXXX. Part of the packet comes USPS and part comes XXXX. We have seen none of it. The heat/air company could have replaced the unit tomorrow, XX/XX/XXXX, but we cant guarantee them payment. Also, it is unclear if the inspector is a licensed HVAC technician. We have eight people lining in our house, XXXX  of which are children. A XXXX, XXXX, and XXXX XXXXXXXX XXXX. This week has been better, but the previous two weeks we were under extreme heat warnings with temperatures near or above 100 degrees for several days straight. We advised Wells Fargo of this situation and were met with, oh, thats too bad. This is an escrow account and our payment went up over {$200.00} this year. Supposedly that was to cover insurance. We also live in a very rural area and do not have a lot of option for this type of work. The company is very, very reputable and highly trained, but they are hesitant to do work without being paid.

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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: MI

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Its about the promotional bonus. The offer stated that I would receive the bonus between 90 and 120 days. Ive completed all the requirements, but now Im being told that I have to wait until after 120 days to receive the bonus.

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 monetary relief
Consumer complaint received 2025-08-28 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: DISCOVER BANK
State: IL

Complaint narrative:
I submitted FTC Identity Theft documentation and disputes directly to the bureaus.

The accounts were marked verified, but no documentation was ever provided.

If a collector verified with the bureaus but did not validate to me directly, this creates an FCRA + FDCPA violation combo.

Fraudulent accounts were deleted from one bureau but remain on others. This inconsistency proves the information is not verifiable and demonstrates further non-compliance.

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file I disputed the accounts multiple times with XXXX, XXXX, and XXXX, but they continue to verify the information without providing any proof or documentation.

This violates several federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Section 611 ) Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

If the furnisher can not verify with proper documentation, the bureaus must delete the information.

The bureaus have continued to report unverifiable information, violating this requirement.

FCRA 15 U.S.C. 1681c-2 ( Section 605B ) When an identity theft report is submitted, the bureau must block the fraudulent information within 4 business days.

Despite providing evidence, the bureaus have failed to comply.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g If a debt collector is involved, they must provide full validation of the debt upon request, including : The original contract with a wet signature, A complete chain of assignment, and A detailed breakdown of the alleged debt.

The collector either failed to provide this or provided an incomplete response, which is a direct violation.

Failure of Furnishers ( FCRA 1681s-2 ) Data furnishers have a duty to report accurate information and to correct or delete unverifiable data.

Instead, they continue to furnish false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$76.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: FL

Complaint narrative:
I did not authorize the creation of these accounts and bear no responsibility for them. In accordance with USC 1681g, please delete them within XXXX  days. Attached are supporting 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 2025-08-28 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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. 



I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX opened on XXXX under the account number XXXX. A Credit Line XXXX  opened on XXXX under the account number XXXX. An XXXX XXXX opened on XXXX under the account number XXXX. A Collection XXXX XXXX opened on XXXX under the account number XXXX. A Collection XXXX opened on XXXX under the account number XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-28 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: FL

Complaint narrative:
I am feeling extremely stressed because of fraudulent accounts and inquiries showing up on my credit report that are not mine. This identity theft has taken away my peace of mind, caused problems in my family life, and left me feeling powerless and overwhelmed. I never agreed to any of this, and I urgently ask that all these fraudulent items be BLOCKED AND REMOVED, including the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am XXXX XXXX XXXX, and I am writing with the help of my daughter because I only speak XXXX. I am having serious problems with my Dillards credit card account, and I feel that I am being mistreated and taken advantage of because of my age and language barrier. 

I already filed a complaint before, and Dillards responded, but the problem has not been fixed. 


Payments I Made in Person : I personally went to the Dillards store at XXXX XXXX XXXX and made the following payments to my account ending in XXXX. Each time, a store associate gave me a printed receipt showing the payment was accepted : XX/XX/XXXX {$100.00} in cash XX/XX/XXXX {$200.00} by check XX/XX/XXXX {$100.00} by check XX/XX/XXXX {$100.00} by check XX/XX/XXXX {$200.00} in cash XX/XX/XXXX {$100.00} by check I still have all of these receipts and am attaching them to this complaint. 


What Happened When I Called on XX/XX/XXXX : Today, I called the phone number on my statement ( XXXX ) to ask about my account and was transferred five times : To the Take Over Recovery Department ( XXXX ) Then to CitiBank Collections Then back to the Recovery Department, multiple times After all of this, one representative finally told me that my balance was {$670.00}, but I do not believe this is correct because of the payments I already made in person.

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 monetary relief