vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they XXXX have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau XXXX XXXX required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my XXXX XXXX and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : DEPT OF EDXXXX XXXX Balance : {$2300.00} Date of Last Payment : XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX Balance : {$1300.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws.

Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision.

Gramm-Leach-Bliley Act 15 U.S.C. 6802 : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data.

Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard.

FCRA 15 U.S.C. 1681s-2 : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes.

FCRA 15 U.S.C. 1681i and 1681e ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. 
Legal Precedent In XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

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 2025-11-05 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : DEPT OF EDXXXX XXXX Balance : {$2300.00} Date of Last Payment : XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX Balance : {$1300.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws.

Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision.

Gramm-Leach-Bliley Act 15 U.S.C. 6802 : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data.

Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard.

FCRA 15 U.S.C. 1681s-2 : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes.

FCRA 15 U.S.C. 1681i and 1681e ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. 
Legal Precedent In XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-05 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: IL

Complaint narrative:
I pulled my credit reports, and they all contained false personal information, Names, addresses, phone numbers, and employers. They also contained accounts with false/unverifiable information. I prepared dispute letter on XX/XX/XXXX using metro 2 compliant language, and mailed them certified with receipt confirmation, requesting that the false/unverifiable information be removed. I waited XXXX  days. No response. I sent a XXXX  round of disputes on XX/XX/XXXX waited XXXX  days. No response. I sent a XXXX  round on XX/XX/XXXX waited XXXX  days. No response. Each letter included more CFPB information, and sections from the Fair Credit Reporting ACT, referring to policies that require the removal, or confirmation of the information. None of the big XXXX agencies responded. Shortly after I was locked out of my TransUnion account. I recently sent a XXXX round of dispute letters on XX/XX/XXXX. I have heard nothing from the agencies to this date.

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 2025-11-05 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: MD

Complaint narrative:
I am writing to dispute the following information on my credit report from Equifax : CHARGED OFF : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} I respectfully request that you verify the accuracy of this account. If you are unable to verify it, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : I also dispute the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, and only with the consumers knowledge or consent. I did not provide authorization for these inquiries, and therefore they constitute violations of the FCRA. Delete hard inquiries TD Auto Finance XX/XX/XXXX, XXXX 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 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 non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, and only with the consumers knowledge or consent. I did not provide authorization for these inquiries, and therefore they constitute violations of the FCRA. Delete hard inquiries TD Auto Finance XX/XX/XXXX, XXXX 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Hatfield, Inc.
State: NC

Complaint narrative:
Took out a loan through Grid and didnt receive the advancement to my account did the loan on XXXX  of XX/XX/XXXX they told me it would take up to XXXX  days to load or show on my account and it doesnt include weekends or holidays its now XXXX  XX/XX/XXXX and when I contacted them since the XXXX Ive received the same messages from the same person stating it went through on there end and I should check with my bank and I did they arent seeing the advance in my account they lied about when I will receive it Ive seen XXXX different dates!!!! They want me to repay the advance that I never received!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I am still unable to get my funds back despite the back and forth situation with the {$1300.00} fraud claim They continue to not budge with the funds being refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: GA

Complaint narrative:
Answered phone call from client services on XX/XX/XXXX and asked no longer communicate with me under any circumstance. To which I received another letter dated for XX/XX/XXXX. I called them directly on XX/XX/XXXX and requested to speak with their legal dept. I was refused to do so and asked for the legal dept to give me a call back and that was also refused. I explained the situation to a supervisor, who informed me that the collector simply removed my number from call log but left all other communication paths open, that I would be filing a complaint and they told me that was fine as is my right and here I am. Blatant refusal to follow the laws when communicating with consumers and when trying to resolve internally with them directly they seemed disinterested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently got a copy of my credit report from all XXXX  bureaus. I noticed that Capital one is reporting a discharge of debt in the amount of XXXX Which has been sold to a XXXXparty debt collector I made the attempts and notified the company and ask for the XXXX or the Method of discharge and got no response. I am also stating they gave no written authorization for Capital one to make any recordings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XX/XX/XXXX Date Opened XX/XX/XXXX Balance - {$1500.00} UNAUTHORIZED INQUIRY PLEASE DELETE :XX/XX/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 2025-11-05 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.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-05 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX in your response you mention I have used this merchant before Ive never used this merchant before if I have please indicate when and for how much the transaction was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the late payment history being reported on the following account is incorrect and is negatively impacting my Experian credit profile : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The reported late payments are the result of errors and do not accurately reflect my payment history. This account is in good standing, and I request that the inaccurately reported late payments be thoroughly investigated and corrected. I am not disputing the account itselfonly the erroneous late payment entries. 

I have contacted both the credit reporting agency and the data furnisher previously, but the issue remains unresolved. Enclosed with this letter are supporting documents, including screenshots of my credit report, to demonstrate the inaccuracies.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am the Attorney-in-Fact for my XXXX brother, XXXX XXXX, under a XXXX Durable Power of Attorney accepted by multiple financial institutions. 

In XXXX XXXX, Wells Fargo accepted and processed several XXXX ( XXXX XXXX and XXXX XXXX ) checks belonging to XXXX that were cashed or deposited by XXXX XXXX XXXX, who at that time was under a court restraining order ( XXXX Case XXXX ) for XXXX  financial abuse. Despite notice of that order and prior police findings confirming XXXX misconduct, Wells Fargo did not report the activity or protect XXXX funds as required by California Welfare & Institutions Code 15630.1. 

In XXXX XXXX, Wells Fargo then allowed XXXX XXXX to open a new representative payee account under XXXX name to receive Social Security benefits, even though XXXX is legally restrained from contact with XXXX and is in open litigation with him over the same stolen funds. I repeatedly informed Wells Fargo of the court orders and my XXXX POA, but the bank has refused to explain how the account was opened, what documents were used, or whether any XXXX-abuse report was filed. 

The result is that XXXX XXXX and XXXX funds remain under the control of a restrained individual, contrary to federal and state protections for dependent adults. Wells Fargos failure to verify authority, honor the valid POA, or notify authorities has enabled continuing financial exploitation.

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