vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: Kikoff Inc.
State: LA

Complaint narrative:
Im writing to formally dispute an alleged late payment reported on my account. This late payment was reported by [ Creditor Name ] to your agency, XXXX XXXX  ] , and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit 15 identify you and your account.

HAVE A QUESTION? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). 
More than 180 languages available Other taver U.S. Code 1681a ( 2 ) ( AY ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice.

Late Payment ( s ) in Question : Thank you for your prompt attention to this matter. I look forward to your response and tion that the disputed late payment entry has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
I am receiving offers for mortgages and loans that I did not apply for. My information is being sold and the in correct information is been given out

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 2025-07-17 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-07-18 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: MD

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Status : Late Payment Issue : This account is reporting a late payment inaccurately. I have not received any verifiable billing statements or legal notices indicating a delinquency for the reported date. This entry is harming my credit profile and is not supported by documented evidence. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I believe this is a result of a reporting error or incorrect posting. I always strive to maintain my accounts in good standing. No valid documentation was provided to support the alleged lateness. I am requesting immediate reinvestigation and deletion if verification can not be produced. 
INQUIRY XXXX XXXX  XX/XX/XXXX Issue : This hard inquiry is unauthorized. I did not apply for credit with XXXX XXXX on this date and did not give consent for this inquiry. 
Law : FCRA 604 ( a ) ( 3 ) states that a consumer report may only be accessed with a permissible purpose. 
Story : I was not informed nor did I provide any written or electronic authorization to XXXX XXXX to access my credit file on XX/XX/XXXX. This violates my consumer rights and should be removed immediately. 
In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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 2025-07-17 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: CA

Complaint narrative:
There is an inaccurate and fraudulent account appearing on my credit report. I have never applied for or used this account, and its reporting is causing me significant distress.

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 2025-07-17 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory late payment information being reported on my XXXX XXXX XXXX XXXX account on my Experian credit report. The payment history inaccurately reflects XXXX and XXXX late payments for XXXX through XX/XX/year>. This is incorrect, and I demand immediate correction. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I have the right to dispute information I believe is inaccurate or incomplete. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) mandates that data furnishers report only accurate information to credit reporting agencies.

I have disputed this account multiple times, yet Experian has failed to conduct a reasonable and thorough investigation as required under 15 U.S. Code 1681i ( a ) ( 1 ) and 1681s-2 ( b ). I have not received a satisfactory response, nor has the information been corrected. 

Furthermore, my personal information was compromised in a known data breach, raising serious concerns about the integrity and accuracy of any negative data associated with my identity. Given this, Experian has a heightened obligation under 1681c-2 to ensure any disputed or fraudulent information is investigated with appropriate diligence.

I am now formally requesting : 1. A full reinvestigation of the disputed late payment entries.

2. Immediate removal of inaccurate negative marks and updating the status to reflect Paid/Closed Never Late. 
3. A written response with evidence of the reinvestigation, including the method used and the name of the data furnisher.

4. Escalation of this matter, if necessary, for compliance review.

If these errors are not corrected within the time allowed by law, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and consider additional legal remedies for willful noncompliance under 15 U.S. Code 1681n.

I appreciate your immediate attention to this matter and expect a resolution within the FCRA-mandated time frame. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX DATES OF INCORRECT LATE PAYMENTS : XXXX, XXXX, XXXX AND XXXX of XXXX DATE 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 2025-07-17 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory late payment information being reported on my XXXX XXXX XXXX XXXX account on my Experian credit report. The payment history inaccurately reflects XXXX and XXXX late payments for XXXX through XX/XX/year>. This is incorrect, and I demand immediate correction. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I have the right to dispute information I believe is inaccurate or incomplete. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) mandates that data furnishers report only accurate information to credit reporting agencies.

I have disputed this account multiple times, yet Experian has failed to conduct a reasonable and thorough investigation as required under 15 U.S. Code 1681i ( a ) ( 1 ) and 1681s-2 ( b ). I have not received a satisfactory response, nor has the information been corrected. 

Furthermore, my personal information was compromised in a known data breach, raising serious concerns about the integrity and accuracy of any negative data associated with my identity. Given this, Experian has a heightened obligation under 1681c-2 to ensure any disputed or fraudulent information is investigated with appropriate diligence.

I am now formally requesting : 1. A full reinvestigation of the disputed late payment entries.

2. Immediate removal of inaccurate negative marks and updating the status to reflect Paid/Closed Never Late. 
3. A written response with evidence of the reinvestigation, including the method used and the name of the data furnisher.

4. Escalation of this matter, if necessary, for compliance review.

If these errors are not corrected within the time allowed by law, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and consider additional legal remedies for willful noncompliance under 15 U.S. Code 1681n.

I appreciate your immediate attention to this matter and expect a resolution within the FCRA-mandated time frame. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX DATES OF INCORRECT LATE PAYMENTS : XXXX, XXXX, XXXX AND XXXX of XXXX DATE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : 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, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a Wells Fargo Business Checking account based on a promotional offer that stated I would receive a {$400.00} bonus after meeting certain criteria. The offer clearly said the promotional code would be " automatically applied, '' and I ensured I met all stated requirements.

Specifically : I opened the account on XX/XX/year>. 
I maintained the required minimum balance for over XXXX  days. 
I conducted all necessary qualifying activity. 
I attached screenshots of the promotion at the time of sign-up and shared them with my husband. Despite following all terms, I have not received the {$400.00} bonus. I contacted customer support, but the responses have been vague, unhelpful, and failed to resolve the issue. 

Additionally, I moved money from high-yield savings accounts to meet the balance requirement, which caused me to miss out on interest earnings. This situation feels like false advertising and has caused both financial harm and lost trust in XXXX XXXX services.

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> spoke rep also online app and bank statement online transfer shows more then {$64.00} dollars on credit card even {$77.00} today but they report a smaller amount which reflects negative on my report and a high usage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, I am exercising my right to dispute a late payment on my credit report that I believe is inaccurately reported. My records confirm that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-17 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:
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 2025-07-18 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2025

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