vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally notify you of discrepancies in the reporting of my credit information. It has come to my attention that closed accounts are being reported with different statuses and varying balances across the different credit bureaus Transunion, Equifax, and Experian. 
These inconsistencies are negatively impacting my credit report and, as such, I request that these accounts be deleted immediately. If these discrepancies are not resolved within 15 days, I will have no choice but to pursue legal action for the inaccurate reporting, which violates the Fair Credit Reporting Act. 
Please investigate this matter promptly and provide written confirmation of the actions taken. 
XXXX XXXX XXXX - Transunion reports the account : CLOSED With a high balance of {$250.00} XXXX counts of late payments Equifax reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX counts of late payments Experian reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX  counts of late payments. 

XXXX XXXX XXXX  XXXX Transunion is reporting the reported date as XXXX XXXX counts of late payment status : CLOSED Equifax is reporting the the reported date as XXXX XXXX counts of late payment Status : CLOSED Experian is reporting the reported date as XXXX XXXX counts of late payment Status : 90 days LATE XXXX XXXX Transunion is reporting - 1 count of late payment status : 30 days late Equifax is reporting - XXXX  counts of late payment Status : CLOSED Experian is reporting XXXX XXXX  counts of late payment Status : XXXX XXXX XXXX XXXX XXXX Transunion is reporting - Reported date XXXX Status : CLOSED Equifax is reporting - Status : Collection/Chargeoff Reported date XXXX Experian is reporting - Reported date XXXX Status :120 days late XXXX XXXX XXXX XXXX Transunion XXXX date reported XXXX Equifax - date reported XXXX Experian - XXXX All of these dates, different reporting statuses on closed accounts are affecting my credit and it 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 2025-08-07 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: TX

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to wire transfer funds at a Wells Fargo branch in XXXX, Texas. The source was my Wells Fargo checking account, the destination was SUPPOSED to be XXXX XXXX XXXX as an intermediary. The final destination was XXXX XXXX ( located in XXXX, Texas ) to pay off an auto loan. However, due to incorrect instructions provide over the phone in REAL time from an XXXX representative to the Wells Fargo Banker, the account number at XXXX was invalid. 

Because of this, XXXX initiated a return of the funds back to my Wells Fargo Account on XX/XX/XXXX. They have since provided an exact amount of the return, in addition to an XXXX  number for tracking. 

Despite multiple trips to the Wells Fargo branch, in addition to escalating the issue with Wells Fargo ( I have a case number ), the returned funds have still not come back to my account. I have gotten nowhere with Wells Fargo- each representative I have spoken to has " not had access '' to the appropriate systems to locate this transfer.

Why was the returned amount simply not returned to the originating account, as is typical for this type of issue? Why can no one at Wells Fargo locate the funds, despite having a valid XXXX tracking number, a date for the return, the returning financial institution, and the returned amount?

This feels like Wells Fargo is attempting to keep funds that they know have been returned.

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 2025-08-07 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: GA

Complaint narrative:
My credit report is showing several inaccuracies from re-aging. The credit report due to charge-offs. Also inquiries that were not authorized or showing on my 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have issued Certified letters to the Experian Credit Bureau disputing incurrect accounts on my report have went to Experian 2times - XXXX XXXX XXXX XXXX XXXX XXXXXXXX each time a letter was returned from Experian stating they did not take any action because they did not believe it was from myself.

Both letters provided a phone number and website address to complete the dispute. Unfortunately the phone is an automated system that does not allow the details needed to complete the dipute. When attempting the dispute online the site does not allow the legal law terminologies to be issued in order to request a complete investigation and this simply continues to go in a circle with not resolution.

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 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$530.00} INQUIRIES : XXXX  Date XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a fraudulent entry on my credit report from a company I have never interacted with. I did not authorize the opening of this account, and it was clearly added without my knowledge or consent. This false reporting is misleading, harmful, and violates my rights under federal consumer protection laws.

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 2025-08-07 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-08-07 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In addition to the above violations, I am writing to formally dispute the accuracy of a late payment entry on my credit report associated with the following account : Creditor : XXXX XXXX XXXX Account Number ( or last 4 digits ) : XXXX Reported Late Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting an immediate investigation into this entry, as I believe it to be inaccurate and/or unverifiable.

Additionally, pursuant to FCRA 609 ( a ) ( 1 ), I am exercising my right to request : The original documentation used to verify this late payment, including payment records and timestamped logs.

The method of verification used by XXXX XXXX XXXX to validate the accuracy of the reporting. 

If you are unable to provide this documentation, the late payment must be removed from my credit file per federal law.

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 2025-08-07 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: GA

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 explanation
Consumer complaint received 2025-08-07 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 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 explanation
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
Absolutely. Heres a simplified and direct version of your complaint focused strictly on the fact that the debt was dismissed by the court, yet continues to be reported inaccurately : Formal Complaint For CFPB & FCRA Filing Subject : Inaccurate Credit Reporting Dismissed Debt Still Showing on Credit Report To Whom It May Concern, I am filing this formal complaint against XXXX XXXX and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a debt that was dismissed by the court. 

I have provided all three major credit bureaus Equifax, Experian, and TransUnion with official court documentation showing that this account with XXXX XXXX was legally dismissed and is no longer valid. Despite this, the account is still being reported on my credit file as a charge-off. 

I followed all proper procedures and submitted proof of the court dismissal. The reporting of this account as an active or owed debt is false and damaging. This is a violation of my rights under the FCRA, which requires that only accurate and verifiable information be reported. 

I am requesting that this matter be investigated immediately, and that : The XXXX XXXX account be removed or updated to reflect the court dismissal. 
All credit bureaus correct their records to ensure the dismissed debt no longer impacts my credit file. 

I have attached a copy of the court dismissal and related correspondence for your reference. 

Thank you for your time and assistance.

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 2025-08-07 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: MS

Complaint narrative:
Absolutely. Heres a simplified and direct version of your complaint focused strictly on the fact that the debt was dismissed by the court, yet continues to be reported inaccurately : Formal Complaint For CFPB & FCRA Filing Subject : Inaccurate Credit Reporting Dismissed Debt Still Showing on Credit Report To Whom It May Concern, I am filing this formal complaint against XXXX XXXX and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a debt that was dismissed by the court. 

I have provided all three major credit bureaus Equifax, Experian, and TransUnion with official court documentation showing that this account with XXXX XXXX was legally dismissed and is no longer valid. Despite this, the account is still being reported on my credit file as a charge-off. 

I followed all proper procedures and submitted proof of the court dismissal. The reporting of this account as an active or owed debt is false and damaging. This is a violation of my rights under the FCRA, which requires that only accurate and verifiable information be reported. 

I am requesting that this matter be investigated immediately, and that : The XXXX XXXX account be removed or updated to reflect the court dismissal. 
All credit bureaus correct their records to ensure the dismissed debt no longer impacts my credit file. 

I have attached a copy of the court dismissal and related correspondence for your reference. 

Thank you for your time and assistance.

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 2025-08-07 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation