vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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:
XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX  - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$450.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX  - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$450.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries are unanticipated and may lack authorization. Please investigate and review the enclosed materials.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Equifax, adding to the issues in my existing comprehensive complaint ( CFPB ID XXXX ). For the second time in less than a week, my previously closed and charged-off XXXX XXXX account ( # XXXX ) is being reported by Equifax as an 'Open credit card account ' via XXXX XXXX [ XXXX XXXX XXXX ]. This is fundamentally inaccurate and unauthorized. 

Timeline of Egregious Behavior : Prior Status : Account was closed and charged off for years. 

XX/XX/year> : Equifax first reported it as 'Open ' via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], causing 156 % utilization and a XXXX point score drop XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. 

XX/XX/year> : Equifax corrected it back to 'Closed ' [ XXXX XXXX XXXX XXXX  ]. 

XX/XX/year> ( Today ) : Equifax is now reporting it as 'Open ' again via XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], causing my utilization to be 156 % [ XXXX XXXX XXXXXXXX ] and my Equifax XXXX XXXX drop by XXXX points again [ XXXX XXXX XXXXXXXX ]. 

I did not authorize, sign, or agree to re-open this account ; in fact, I have consistently sought its deletion. This repeatedly disseminated misinformation demonstrates a severe and willful disregard for accuracy and a shocking lack of regard for my creditworthiness, causing immediate, measurable harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Please be advised that I am not responsible for the unauthorized accounts listed ; I demand their removal under USC 1681g within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ACCOUNTS : DEPT OF ED/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} DPT ED/XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the reinstatement of a deleted account that previously appeared on my credit report. The accounts had a history of on-time payments and was in good standing prior to its removal. I believe it may have been removed due to a dispute or in error. As the account reflects responsible credit usage and positively impacts my credit profile, I respectfully request that it be reinstated. 

If the deletion was the result of a previous dispute, I would like to rescind that dispute and ask that the account be re-added to my report in its original form. I am prepared to provide any supporting documentation necessary to assist in this process. 

Please confirm receipt of this letter and notify me of any additional steps I must take. 
I appreciate your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Ex

perian Information Solutions Inc . regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enfo
rce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive been having problems with Wells Fargo since Ive opened my account both business and checking account or compromised and each claim I submitted was denied or decline XXXX XXXX charge which a provisional critical was provided. That was XXXX XXXX reason I dont even have an account. This bank is also committing violations that go against regulation heat banking. Im asking the cfpb to get involved to help me sort out these issues. Im also seeking legal counsel as to how to pursue unfair practices committed by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Dear CFPB Investigator, Peace and empowerment. I am formally requesting an urgent investigation and corrective action regarding multiple unauthorized credit inquiries currently reported by Experian, Equifax, and TransUnion.

These inquiries were made without my consent, without any resulting extension of credit, and without permissible purpose under 15 U.S.C. 1681b. No firm offer, application, or financial engagement exists to justify these entries. Their presence on my credit report is not only unlawfulit is damaging. 

Furthermore, I am a documented victim of a national data breach which exposed my personal identifying information to third parties without authorization. In light of this breach, it is highly probable that certain entities accessed my credit file without legal cause, exploiting compromised data. These inquiries are the fruit of that violation and must be stricken from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My accounts with capital one have never been passed due. I close my checking account that was attached to my credit cards. A payment was processed and was returned because I forgot to change the information with my credit card company. Once The payment was returned. I logged on to try to fix my information and I seen both of my accounts were closed. When I called they told me they sent me a email and a letter stating why my account was closed. But then someone else told me that my account was closed yesterday the XXXX XXXX. I never received any notice about anything and I was actually going to pay my account on the XXXX XXXX When my account due date is actually XX/XX/XXXX. Although my account was prematurely closed yesterday they are refusing to reopen them and are being honestly disrespectful and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I closed on a home on XX/XX/year>. The seller failed to disclosed to me the repairs on this home.The home has major plumbing issues. The bathtub does not drain because there is no draining pipe there. The electrical wiring in the house is a fire hazard, per the electrician who came out. My insurance company has sent me a letter stating three tree limbs need to be cut down. I also paid for an appraisal on XXXX XXXX XXXX XXXX, XXXX XXXX. I paid {$500.00}, and the wife didn't have the right to sell the property. XXXX XXXX dropped the ball, and I need my {$500.00} back to make repairs on my property. The house should never have been on the market if the wife was not on the deed. The house was left to the children, not the wife. The seller of XXXX XXXX XXXX XXXX increased the amount {$3000.00} after the appraisal and didn't fix anything. He did half of the roof. The Air conditioner unit does not cool the house because the ducts are not properly hooked up. The stove that he put in has no racks. The refrigerator and stove are 20 years old with rust on all of them. FHA could not have come in here and looked at anything. The front porch light does not work. Plugs only work in certain rooms. The garage does not work, and the listing states that it has a remote. I am XXXX and I feel as though this is discrimination. I want my home fixed and in working order. Not being able to take a bath daily is a problem for me. Not being able to turn on my porch light is a problem for 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl, XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX, GA XXXX Date XXXX XXXX Subject : Dispute of Inaccurate Information Due to XXXX XXXX  Victimization Dear XXXX, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/ or pieces of information on my credit report that are incorrect and were not authorized by me. 
I request the immediate removal or correction of the following accounts and/or information from my credit report : 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 XXXXXXXX to this letter are relevant documents that support my claim, including evidence of my status as a victim of XXXX XXXX and any other pertinent documentation. 
As a victim of XXXX XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 
Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 
Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with explanation