vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am contacting you to formally request the immediate blocking of information reported on my credit file without my consent or express authorization. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have the right to request the blocking of any information included in my credit report that I did not approve or validate. 

Enclosed with this letter is a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), Report Number : XXXX, which supports the fact that I have taken the appropriate steps to investigate and stop the unauthorized use of my personal information. 

The following account was added to my credit report without my knowledge, authorization, or consent : XXXX XXXX XXXXXXXX I have requested multiple times that you or the data furnisher provide documentation to support this alleged relationship, including signed contracts or evidence of explicit consent, and I have not received any responseeven after more than XXXX business days, which exceeds the timeframe permitted by law. This failure to verify the account violates the FCRA and casts serious doubt on the legitimacy of the information being reported. 

It is also important to note that this same account has already been removed from the credit reports of other bureaus, which further supports the need for you to take immediate corrective action as well. 

This issue is directly affecting my current financial plans, including the ability to obtain a mortgage loan and move forward with rebuilding my financial well-being. Therefore, I demand that the information referenced above be permanently and immediately blocked, in accordance with my rights under federal law. 

I also request that you provide written confirmation once the blocking has been completed and that you ensure this information will not be shared or reported again in the future. 

If a timely resolution is not provided, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any legal action necessary to protect my rights as a consumer.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
There are several inaccurate and misleading items appearing on my credit report that continue to negatively impact my credit profile. For instance, multiple accounts from XXXX XXXX XXXX, including one last verified in XX/XX/XXXX, are reporting inconsistently across bureaus, showing conflicting balances and duplicate listings, which is both confusing and incorrect. XXXX credit card accounts are also listed with derogatory status despite reflecting a {$0.00} balance and no recent activity since XXXX. Additionally, an account from XXXX is showing different statuses depending on the credit bureau , further suggesting reporting errors or mismanagement of data. Another issue involves several unauthorized hard inquiriesincluding multiple from XXXX  XXXX on XX/XX/XXXX, and others from XXXX and XXXX XXXX I did not initiate or authorize. These inquiries are not connected to any known application or account. Finally, there are numerous incorrect name variations and outdated addresses tied to my credit profile that I have never used or confirmed, which raises concerns about potential file mixing or identity confusion. Despite no recent activity or verifiable documentation provided to support these derogatory entries, they remain on file and continue to harm my credit standing unfairly.

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 2025-08-01 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: PA

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 2025-08-01 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: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, I have been unable to access my MOHELA account for several months since your platform migration. My Social Security Number and login credentials no longer work, and all attempts to recover access have failed. 

As a result, Ive had no way to review balances, payment history, or forbearance records. Despite this, negative tradelines from MOHELA are appearing on my credit report, which I believe may be inaccurately reportedespecially in light of federal COVID-era protections under the CARES Act.

Please immediately provide : - Full payment history of my account ( s ) - Confirmation of forbearance/deferment status - Any details on credit reporting activity and justification - Immediate restoration of access to my online account If MOHELA can not verify this information or correct any inaccurate reporting, I will be forced to escalate by filing formal complaints with the Department of Education XXXX CFPB, and potentially pursue legal remedies under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, * * XXXX XXXX XXXX * * XXXX : XXXX XXXX : XX/XX/year> Phone : ( XXXX ) XXXX Email : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
There's an inquiry on my credit report that I do not recognize. I did not authorize this, nor did I give consent to the company to access my credit report or apply for anything with them. This situation is causing me stress and anxiety, and I am deeply concerned about how and why it happened.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-01 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF DEFENSE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF DEFENSE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate and unfair over-limit report made by Wells Fargo for my XXXX XXXX account. 

According to the official XXXX customer service chat ( see attached screenshot ), cardholders are not allowed to exceed their credit limits, and transactions should have been declined if the limit was reached. However, my account was allowed to go over the {$1500.00} limit by approximately {$50.00}. 

This over-limit status was then reported to the credit bureaus, causing my credit score to drop by over XXXX points. I have already paid off the full balance, and this was my first and only occurrence. 

I am attaching a screenshot of the XXXX app support chat confirming that over-limit charges should not be possible. 

Thank you for your help in resolving this 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 2025-08-01 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-01 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-08-01 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

These accounts are either inaccurate, unverifiable, or contain outdated derogatory information. 
Please investigate and remove the following items from my credit report immediately : Negative Accounts to Dispute XXXX. XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Opened : XX/XX/XXXX Balance : {$9300.00} Status : Charged-Off Closed : XX/XX/XXXX Past Due : {$9300.00} Late History : 60, 90 days late, then multiple Charge-Offs Estimated Deletion Date : XXXX/XXXX XXXX. XXXX XXXX Account Type : Auto Loan ( Installment ) Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid in Full Was a Charge-Off Closed : XX/XX/XXXX Remarks : Settled for less than full balance Est. Deletion : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Secured Installment Loan Opened : XX/XX/XXXX Status : Paid and Closed Late Payments : 30-day late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ) Closed : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) Account Type : Collection Opened : XX/XX/XXXX Balance : {$140.00} Status : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Remarks : Disputed by consumer, placed for collection Est. Deletion : XXXX/XXXX XXXX. XXXX XXXX Card Ending in XXXX Account Type : Credit Card Opened : XX/XX/XXXX Status : Active Late Payments : XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remarks : XXXX  Dispute XXXX; Consumer Disagrees XXXX. XXXX XXXX Card Ending in XXXX Account Type : Credit Card Opened : XX/XX/XXXX Status : Active Late Payments : 30-day lates in XX/XX/XXXX, XX/XX/XXXX Remarks : XXXX  Dispute Resolved; Consumer Disagrees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

These accounts are either inaccurate, unverifiable, or contain outdated derogatory information. 
Please investigate and remove the following items from my credit report immediately : Negative Accounts to Dispute XXXX. XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Opened : XX/XX/XXXX Balance : {$9300.00} Status : Charged-Off Closed : XX/XX/XXXX Past Due : {$9300.00} Late History : 60, 90 days late, then multiple Charge-Offs Estimated Deletion Date : XXXX/XXXX XXXX. XXXX XXXX Account Type : Auto Loan ( Installment ) Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid in Full Was a Charge-Off Closed : XX/XX/XXXX Remarks : Settled for less than full balance Est. Deletion : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Secured Installment Loan Opened : XX/XX/XXXX Status : Paid and Closed Late Payments : 30-day late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ) Closed : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) Account Type : Collection Opened : XX/XX/XXXX Balance : {$140.00} Status : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Remarks : Disputed by consumer, placed for collection Est. Deletion : XXXX/XXXX XXXX. XXXX XXXX Card Ending in XXXX Account Type : Credit Card Opened : XX/XX/XXXX Status : Active Late Payments : XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Remarks : XXXX  Dispute XXXX; Consumer Disagrees XXXX. XXXX XXXX Card Ending in XXXX Account Type : Credit Card Opened : XX/XX/XXXX Status : Active Late Payments : 30-day lates in XX/XX/XXXX, XX/XX/XXXX Remarks : XXXX  Dispute Resolved; Consumer Disagrees

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 2025-08-01 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: GA

Complaint narrative:
This account is being reported as delinquent, but that information is inaccurate. I am requesting that it be disputed and updated to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Several accounts on my credit report are inaccurately reported, outdated, or unverifiable, despite previous disputes and requests for validation. For example, a XXXX XXXX account last verified in XX/XX/year> still reflects a negative status even though the balance is reported as {$0.00}, which is misleading and unjustified. Multiple XXXX  accounts are listed without any clear payment history or supporting documentation, raising concerns of duplication and unverifiability. A XXXX XXXX account has remained on file for months with no proper validation or original documentation provided. Other accountsincluding those from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX serious discrepancies such as inconsistent balance reporting, lack of payment details, outdated status verifications, and continued derogatory classification despite the lack of accurate supporting records. Additionally, XXXX hard inquiries from XXXX on XX/XX/year>, were not authorized and are not associated with any known applications. Despite prior disputes and legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these issues have not been resolved. I am now demanding that each of these items be fully validated with original documentation or removed entirely.

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