vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
Dear Sir or Madam, I am writing to formally dispute the following inaccurate information in my credit report. I obtained my credit report from your bureau on XX/XX/year>XXXX  and I have identified the following error ( s ) : I am requesting that the above information be investigated and corrected or removed. I have enclosed copies of supporting documents ( such as bank statements, letters, and proof of payment ) that confirm the inaccuracy. 

Please conduct a reinvestigation and notify me in writing of your findings. If this item is not corrected, I request that a note of dispute be added to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding TD Banks handling of a recent small business account application. 

I applied for a new small business checking account with TD Bank on XX/XX/year>. On XX/XX/year>, I was notified that my application had been denied. 

However, to my surprise, I received a bank statement on XX/XX/year>, indicating that an account had been opened in my name. I immediately called TD Bank, and their representative told me that no such account exists in their system.

This raises serious concerns about : 1. Whether an account was mistakenly or improperly opened, 2. Whether I may be held liable for any fees or activity associated with this unknown account, and 3. Whether my personal/business information is being handled properly.

I respectfully request that the CFPB investigate and regulate TD Bank 's actions in this matter. Specifically, I ask that : 1. TD Bank confirm in writing that no account exists or existed in my name and that I will not be charged any fees ; 2. Any trace of this erroneous account be fully removed from their systems ; and 3. Assurance be provided that my personal and business information has not been misused.

Please see the attached statement I received for reference. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been locked out of my Experian personal credit report since XXXX. During XXXX, XXXX XXXX, an employee with Experian Information Solutions willful and without regard for the Fair Credit Reporting Act, disclosed financial information to a governmental agency without a court order as prescribed explicitly by the FCRA. Since XXXX, my personal credit report has not been available to me, nor has it been available to any financial institution anywhere. Thus, my Experian file has been inaccessible for over ( XXXX ) years. I had engaged Experian Information Solutions and XXXX XXXX in federal litigation in XXXX regarding his actions and conduct in XXXX by making false statements to a court of law, disclosing credit and financial information without a permissible purpose etc. 

Since then, I have never seen an Experian credit report for myself nor has any financial institution been able to access the same. 

Furthermore, The FCRA provides consumers with the right to access their own credit reports. Specifically, 15 U.S.C.A. 1681g ( a ) mandates that consumer reporting agencies must provide consumers with access to their credit reports upon request ( 15 U.S.C.A. 1681b ) Blocking a consumer from accessing their own report would contravene this provision.

I have no litigation with Experian, I have not had any interaction with Experian and request that my Experian consumer report be made available to financial institutions and to me as well through Experian 's website

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 2025-06-12 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:
To whom it XXXX concern, I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and XXXX XXXX data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the XXXX XXXX reporting standard. 
Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the XXXX XXXX standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am filing this complaint to formally dispute multiple unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me, and I have strong reason to believe they are related to the exposure of my personal information in a recent data breach. 

XXXX XXXX  Date of XXXX : XX/XX/XXXX Credit Bureau : Equifax XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXX XXXX XXXX XXXX, New Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Credit Bureau : TransUnion I did not apply for credit with any of these companies, nor did I authorize them to access my credit file. This activity is highly suspicious, especially given that my personal information was compromised in a confirmed data breach ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase on XXXX that never arrived. XX/XX/XXXXcouldnt help me, XXXX wasnt responding in a timely manner, the seller wasnt cooperating with XXXX instructions. I finally contacted PayPal for a dispute and they denied it despite all of the evidence i provided. XXXX even agreed after filing my dispute I was owed a refund, but since I had already filed with PayPal, they said they couldnt refund it and it was now up to PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-12 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: IL

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 XXXX 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 2025-06-12 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:
To whom it may concern, I am writing to formally dispute the presence of certain accounts on my consumer credit report, as indicated below, which appear to have arisen as a consequence of potential fraud or unauthorized activity. I respectfully request that you provide verifiable evidence bearing my signature/electronic signature. This letter represents my personal communication on this matter, and I kindly request your thorough review.

I must emphasize that I have not authorized these actions, and their inclusion on my credit report may constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C.

1681b ]. Upon reaching out to these companies, it has come to my attention that these actions may have been initiated without proper validation or original proof from any of the reporting entities.

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 2025-06-12 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:
To whom it may concern, I am writing to formally dispute the presence of certain accounts on my consumer credit report, as indicated below, which appear to have arisen as a consequence of potential fraud or unauthorized activity. I respectfully request that you provide verifiable evidence bearing my signature/electronic signature. This letter represents my personal communication on this matter, and I kindly request your thorough review.

I must emphasize that I have not authorized these actions, and their inclusion on my credit report may constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C.

1681b ]. Upon reaching out to these companies, it has come to my attention that these actions may have been initiated without proper validation or original proof from any of the reporting entities.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My card had a random charge for {$1200.00} for a vendor in another country. I never made a {$1200.00} purchase overseas. I disputed the transaction immediately and US Bank denied it. I requested documentation and never heard back and was told the decision was final. This was a major financial loss for me and I was very saddened by the lack of protection by US Bank. This was the first time I started encountering these issues with US Bank. Horribly frustrating. I never made this purchase. It caused me 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
There is unauthorized credit inquiry on my credit report from XXXX XXXX XXXX on XX/XX/year>2024 that I don not remember I did not authorize.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX  when this transpired, XXXX dollars were taken out of my bank account and then an additional XXXX dollars were transferred out of my savings account put into my checking then spent, the scammers who did this gained access to my bank account were impersonating Wells Fargo , and I was paranoid about scams happening because there was a XXXX scam that I was worried about that also had my card information, so I provided them with the information thinking they would help secure my account, today on the XXXX I find almost all of my money gone. I am in the negatives in my checking and XXXX in my savings, I contacted Wells Fargo, I filed the claim, changed my bank account and passwords, I would like to know how I can get my money back, the atm withdrawals were not made by me and I did not consent to them, I need help.

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 2025-06-12 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: GA

Complaint narrative:
I am filing this complaint because Equifax has continued to report multiple inaccurate, outdated, or duplicated accounts despite formal disputes and the submission of an FTC Identity Theft Report. These accounts were marked as verified with no supporting documentation, in direct violation of the Fair Credit Reporting Act ( FCRA ). 



Account-by-Account Breakdown & Violations 1. XXXX XXXX This utility charge-off for {$1200.00} was not initiated or authorized by me. 
No proof of validation has been provided, despite my dispute. 
Violations : 15 U.S.C. 1681i ( failure to investigate ), 15 U.S.C. 1692g ( no validation provided ). 

2. XXXX XXXX This installment account was opened in XX/XX/XXXX and is over 7 years old, making it ineligible to remain on my credit report under FCRA guidelines. 
It is still listed as charged off with a balance of {$8600.00}.

Violation : 15 U.S.C. 1681c ( a ) ( 4 ) ( outdated information reporting beyond 7 years ). 

3. XXXX XXXX XXXX  ( Account Ending in XXXX ) This account shows a balance of {$340.00} and a charge-off status, with high utilization and missed payments. 
Violation : 15 U.S.C. 1681i ( improper reinvestigation ), 15 U.S.C. 1692g ( failure to validate upon request ). 

4. XXXX XXXX XXXX  ( Account Ending in XXXX ) This is a duplicate of the previous XXXX XXXX account but listed as a separate entry with slightly different dates and balance ( {$340.00} ). 
This duplicative reporting is misleading and causes compounded damage to my credit profile. 
Violation : 15 U.S.C. 1681s-2 ( duplicative/misleading reporting ). 

5. XXXX ( Account Ending in XXXX ) This charge-off was opened in XX/XX/XXXX and has exceeded the legal reporting limit of 7 years. 
Additionally, this debt was later sold and is now being reported again by XXXX XXXX, causing a duplicate entry. 
Violations : 15 U.S.C. 1681c ( outdated info ), 15 U.S.C. 1681s-2 ( duplicate reporting ), 15 U.S.C. 1681i ( improper investigation ). 

6. XXXX XXXX XXXX Account 1 ( Duplicate of XXXX ) This account reflects the same debt as the WebBank/Fingerhut account but is reported separately with a balance of {$4000.00}.

This is deceptive and must be removed. 
Violations : 15 U.S.C. 1681s-2 ( duplicate ), 15 U.S.C. 1681i ( failure to investigate ), 15 U.S.C. 1681c ( if aged off ). 

7. XXXX XXXX XXXX Account 2 This is a second, unrelated XXXX XXXX account with a balance of {$2200.00}, also reported as a collection. 
I was never notified or validated on this debt. 
Violations : 15 U.S.C. 1692g ( lack of validation ), 15 U.S.C. 1681i ( failure to provide evidence during dispute ). 

8. XXXX XXXX XXXX A collection account with a balance of {$1300.00}. 
I did not authorize this account, and no documentation has been provided to prove its legitimacy.

Violations : 15 U.S.C. 1692g, 15 U.S.C. 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
To whom it may concern, I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my fundamental right. Kindly provide me with all available details regarding the lapses in accuracy and compliance.

I have zero tolerance for negative information, certified or not. My utmost concern lies in the verifiable facts and truths regarding your company and the data pertaining to my credit profile. The erroneous credit report I received raises surprise as it should align with the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and accurate document, presenting evidence for each claim. The XXXX XXXXXXXX highlights that any deviation from these standards jeopardizes data integrity, which is a matter of utmost seriousness. Failure to follow these standards could compromise the integrity of your data.

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