vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: LJ Ross Associates
State: NJ

Complaint narrative:
XXXX  stated that my credit profile had been merged with another credit profile with a similar name to mines in early XX/XX/XXXX since Ive had multiple different fraudulent accounts appear on my credit report I contacted XXXX  and the companies involved which all stated that these accounts did not belong to me and information did not match I have submitted multiple disputes to both XXXX  and the companies involved. Neither have agreed to remove this fraudulent information from my Credit profile I have submitted numerous amounts of documentation supporting my claims. 

Fraudulent Account LJ Ross & Ass {$270.00} Account Number XXXX Opened XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-05 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CO

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 2025-08-05 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: IL

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 explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
So on last month, I made a payment of {$150.00} to XXXX XXXX on XX/XX/XXXX an arrangement was made on XX/XX/XXXX of XXXX that I would make payments on the XXXX of each month of {$150.00} to XXXX XXXX. My account was placed with them XX/XX/XXXX. My account was open with them XX/XX/XXXX of XXXX. This was a court order for me to make my payments with them.. I went online today, XX/XX/XXXX of XXXX to try to make another payment and it is showing that balance owed is XXXX dollars. It shows on there that I still have a payment due for XX/XX/XXXX which is a lie. I have a bank statement showing that on XX/XX/XXXX they took out a debit payment using my debit card of {$150.00} I dont know whats going on, but Im not able to access my account with XXXX XXXX XXXX now when I called OneMain Financial last month they told me that my account was sent back to them I didnt receive anything in writing. I didnt receive an email. Nothing phone call. Nothing advising me of the change when I spoke with OneMain Financial last month to see when my they are still reporting on my credit report as charged of and late even though I am making my payment to XXXX  XXXX on time and to see if we could settle with them. They were asking for a ridiculous amount which I think is a little bit fraudulent and I advised them no I will continue making my payment with XXXX XXXX. Not once did did anybody tell me I will no longer be making my payments with them so theyre doing some shady stuff theyre unprofessional and the fact that nobody contacted me. letting me know that this is happening I feel like thats a little bit fraudulent and I believe that both companies thats OneMain Financial and XXXX XXXX. They should both be investigated and looked into. I need to find out why I cant make payments online with XXXX XXXX. I need to find out why nobody contacted me advised me that my account was sent back to OneMain Financial and that my account with XXXX XXXX has been closed all of my account activity. All of my payment history gone no longer on XXXX XXXX  website thank goodness I have receipts and confirmation showing that I made all of those payments. Im not able to make payments with XXXX XXXX and where is the payment I made to them of {$150.00} on XX/XX/XXXX and investigation needs to be done into both of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-05 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a check into my savings account on XXXX XXXX XXXX at a Citi bank branch on XXXX XXXX. The check was written to me from my attorneys office ( Refund from property purchase deposit ). Yesterday on XX/XX/XXXX at around XXXX my card declined and when I checked my online portal I realized my whole checking account was gone. I then called Citi bank for the first time at around XXXX was not able to get through, I then received a text stating that my XXXX was disconnected as well. Again, I called at XXXX was on hold for XXXX and received no information but another number to call back today XX/XX/XXXX at XXXX. I called this number today XXXX and was given no information again but another number to call at XXXX. I called this number at XXXX and all they could tell me is that my accounts ( both checking and saving ) were both restricted. Now not only did I not receive a notice ( phone call, email, mail ) but I have gotten no substantial response. This is my only account, all of my money I have is here I expressed that not only will I not be able to get to work the next 2 days because I literally have no money but no explanation as to why my checking account was affected if I deposited my check directly into my savings.

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 2025-08-05 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: NY

Complaint narrative:
I am a victim of identity theft. These credit inquiries were made without my knowledge, consent, or authorization by criminals who stole my personal information. 

EVIDENCE OF FRAUD : I did not apply for credit with any of these companies Suspicious patterns : 6 inquiries in 15 days ( XX/XX/XXXX ) - impossible legitimate shopping Geographic clustering : Multiple NJ lenders suggest local criminal activity Repeat targeting : Same companies multiple times ( XXXX, XXXX XXXX ) No contact : Never received applications or communications from these lenders TIMELINE : XXXX XXXX : Initial identity theft ( 3 inquiries ) XX/XX/XXXX : Major coordinated attack ( 6 inquiries in 15 days ) XX/XX/XXXX : Continued fraud ( 2 more inquiries ) IMPACT : These unauthorized inquiries damaged my credit score and prevented me from obtaining favorable credit terms. 





DISPUTE LETTER ( Short Version ) Plain Text TO : [ Credit Bureau ] RE : Unauthorized Credit Inquiries- Identity Theft I dispute the following inquiries as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FACTS : 1. I did not apply for credit with these companies 2. I did not authorize anyone to apply on my behalf 3. These inquiries resulted from identity theft 4. I have filed FTC and police reports Under the FCRA, please remove these unauthorized inquiries 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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received an email from Wells Fargo today ( XX/XX/year> ) regarding a disputed item on my credit card ( claim # XXXX ) because the item was defective. The email stated they were declining my request because of lack of information. I immediately contacted Wells Fargo and spoke with XXXX from their disputes department. She told me that she did not know what the term defective meant and that she would need to look it up. Her tone was very condescending and she could not comprehend what defective meant. I felt like I was being attacked during this conversation and really felt like it was because of my race. I'm finding that when I report a defective item I'm receiving several follow up emails asking for the same information again. I would like to file a formal complaint about 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
A year ago on XXXX I had a company do a credit report and the company advised me that I had something on my credit report that they questioned me about and I didn't recognize the company and anything related to do it. I submitted a dispute with equifax to take the information XXXX was saying was mine. Equifax came back and said XXXX  had proof the account was mine and I needed to call XXXX. 
I called XXXX  and was told I couldn't get past verification with the account because the only information that was correct related to the account was my date of birth and name if spelled wrong. They said the only 3 addresses I've ever lived at where incorrect, the 3 phone numbers I've ever had where incorrect and the 2 emails I've ever had where incorrect, then my social insurance number was incorrect to the one on their files related to this account. So I asked if they could provide a letter stating this account is obviously not mine or a 3 way call for them to tell equifax or for them to put a dispute in. I was told by XXXX  they don't do either of these things from their line and I would have to call equifax and tell them. So I called equifax and they told me XXXX  needed to supply something to prove it's not mine, but equifax put in another dispute. Month later I did this same process, month after month. Today is XXXX, I have been doing this process for over a year to get something off my credit report that's been messing my life up and effecting me whenever I get anything related to a line of credit. Ill either be seeking legal advice or this form will help me remove this account that's very obvious it's not mine. The account was open in XXXX  and was on my credit report since then but I have never had any company ask me about it and I never did my own credit report because I have anyways paid stuff off and on time and seemed no need to check it. Every rating on my credit report is XXXX. Also the fact it happened when I was XXXX XXXX XXXX in XXXX  and the amount they say I owe is XXXX dollars is very obvious it's fraud or a mistake on XXXX and they neglect to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
The requests came in abruptly and may lack authorization. Please review the documentation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Im disputing these accounts as fraudulent and not opened by me, and request their removal in 15 days under USC 1681g.

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 2025-08-05 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: IL

Complaint narrative:
These are unauthorized accounts that I did not open, and I formally request their removal from my credit file within the 15-day window allowed by USC 1681g .

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 2025-08-05 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: KY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief