vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NH

Complaint narrative:
Recently, I did an investigation of my credit report and found items on there to be inaccurate.

Under 15 US CODE 168, accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable preocedures to assure maximum possible accuraty of the information concering the individual about whon the report relates. 

Please remove the following items from my credit report immediately : XXXX XXXX  Account # XXXX Amount : {$6800.00} Date : XX/XX/year> XXXX, XXXX. 
Account # XXXX amount : {$0.00} XX/XX/year> XXXX XXXX Account # XXXX amount : {$2600.00} Date : XX/XX/year> XXXX XXXX  Account # XXXX Amount : {$5000.00} XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$3000.00} Date XX/XX/year> XXXX XXXX XXXX  Account # XXXX Amount : {$520.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$0.00} Date XX/XX/year> XXXX XXXX Account # XXXX Amount : XXXX Date : XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$1900.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$460.00} Date : XX/XX/year> XXXX XXXX Account # XXXX Amount {$480.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$160.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount Owed {$620.00} Date XX/XX/year> 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family.

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within five days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate.

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification.

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

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 2025-07-23 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:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX Second Request for Deletion of Unauthorized Hard Inquiries Reinforced Under FCRA To Whom It May Concern, This is my second formal request regarding several credit inquiries listed on my Experian credit report that I do not recognize or recall authorizing.

As established under Section 604 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), access to my credit file is only permitted if there is a clearly defined and documented permissible purpose, such as a credit application initiated by me. The mere fact that an entity is a mortgage or auto lender does not exempt them from compliance with this section. 
I reiterate my dispute of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that Experian verify whether these entities possess documentation proving my express consent, whether in physical or digital form. If such evidence can not be produced, I demand the immediate removal of these inquiries, as mandated by Section 611 ( a ) of the FCRA.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) should this matter not be properly addressed within the legally allowed time frame.

Attached is a copy of my government-issued ID and a recent utility bill for identity verification purposes.

I expect a written response detailing the outcome of your investigation and a corrected version of 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 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Well I took out financial aid for XXXX XXXX XXXX, & also XXXX XXXX. I think I only owe a student loan with XXXX XXXXXXXX XXXX XXXX  but I also have more stuff on my XXXX XXXX thats impacting that.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 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:
A fraudulent account has been reported under my credit profile. I did not initiate this account, nor have I ever authorized its creation.

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 2025-07-23 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: MA

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 non-monetary relief
Consumer complaint received 2025-07-23 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: MA

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 2025-07-23 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:
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 non-monetary relief
Consumer complaint received 2025-07-23 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went to ATM to deposit XXXX, atm took the cash but never went into my account. made a claim as i was told, now a week later they denied it and refused to check the cameras for evidence on atm and said they are no longer able to get me my money nor keep the case claim open. XXXX do i do

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a text message from Wells Fargo asking if I had made a {$310.00} purchase at XXXX XXXX. I immediately responded NO and contacted the bank to report the transaction as fraudulent and cancel my card. During that call, I answered a few brief questions and confirmed that the transactions were unauthorized. 

Upon reviewing my account further, I discovered multiple unauthorized charges : {$330.00} {$130.00} {$140.00} The merchants were listed as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX which appear to be international businesses. I did not authorize or make any purchases from these merchants. 

Initially, no temporary credit was issued, which left my account with low funds. I called back the next day to inquire about this and spoke with a representative who was able to issue a temporary credit. 

However, following the banks investigation, I received a letter dated XX/XX/year>, stating that the temporary credit would be revoked and that {$620.00} would be withdrawn from my account on XX/XX/year>. I called immediately to find out why and was told that the bank had obtained proof of delivery from a third-party shipping company, showing our home address. I was advised to contact the merchant directly. 

The website provided by the XXXX  invalid and nonfunctional, making it impossible to reach the merchant. As for the other charge, Wells Fargo was unable to provide any contact information for the merchant involved. 

My husband and I then spoke with a supervisor named XXXX. During the call, he asked him to verify the email address used to place the order, and we were told it did not match either of our email addresses. Understandably, we were very upset. XXXX assured us that the call would be escalated for review and that we would receive a call back within two business days.

Unfortunately, we never received a follow-up. After five business days had passed, I called again and was informed by another representative that it is not XXXX XXXX policy to call customers back. I was told the call was reviewed and that nothing further would be done, essentially leaving us to absorb the {$620.00} loss. 

We also requested documentation related to Dispute # XXXX on XX/XX/year>, and to date, we have not received any of the requested information. 

We are extremely disappointed with how this situation has been handled and are seeking further assistance or escalation. Please advise on the next steps to formally appeal this outcome and receive the proper documentation and 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 2025-07-23 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: CT

Complaint narrative:
My credit report contains incorrect personal details. I respectfully ask that a review be conducted and the necessary corrections be made within five business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
My credit score was impacted negatively this year due to student loans being reported to credit companies, due to this my score dropped a significant amount of XXXX points. My information with student loans should not have been reported to an agency that has nothing to do with the Dept of Education. I am current on my student loans as of today but due to the impact on my credit score I am not satisfied with the " resolution '' they came to.

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 2025-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax CREDIT BUREAU XXXX XXXX  XXXX XXXX, GA XXXX Subject : Second Request for Deletion of Unauthorized Hard Inquiries Reinforced Under FCRA To Whom It May Concern, This is my second formal request regarding several credit inquiries listed on my EQUIFAX credit report that I do not recognize or recall authorizing. 
As established under Section 604 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), access to my credit file is only permitted if there is a clearly defined and documented permissible purpose, such as a credit application initiated by me. The mere fact that an entity is a mortgage or auto lender does not exempt them from compliance with this section. 
I reiterate my dispute of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX request that Equifax verify whether these entities possess documentation proving my express consent, whether in physical or digital form. If such evidence can not be produced, I demand the immediate removal of these inquiries, as mandated by Section 611 ( a ) of the FCRA. 
Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) should this matter not be properly addressed within the legally allowed time frame. 
Attached is a copy of my government-issued ID and a recent utility bill for identity verification purposes. 
I expect a written response detailing the outcome of your investigation and a corrected version of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
Equifax has refused to update my date of birth, on XX/XX/22 despite me uploading valid documentation including my drivers license and birth certificate. My credit report continues to reflect the incorrect birth year, which I have attempted to correct through their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX under the account number XXXX, this account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-23 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:
Upon reviewing my credit report, I noticed a late payment entry that I believe is incorrect. I have maintained detailed records of my payment activity, all of which confirm timely submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
All Inquires included this misinformation XXXX. XXXX XXXX XXXX Account Number : XXXX Issue : This account is inaccurately reported as a charge-off with multiple delinquencies, including a XXXX day late payment in XXXX. I have no record of this debt, and the furnisher has not provided any supporting documentation to verify this debt as required under the FCRA. I have disputed this directly with Equifax, but it remains unresolved. 

XXXXXXXX XXXX XXXX XXXX  Account Number : [ use last XXXX visible digits if you prefer, e.g., XXXX ] Issue : XXXX of XXXX XXXX  accounts is showing as closed but marked with severe delinquencies, including a XXXX day late mark and a charge-off. I dispute the accuracy of this reporting and requested validation, which has not been provided. The payment history does not align with my records. Additionally, the second XXXX account is also listed with a vague history and unconfirmed amounts. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX Issue : This account is showing an excessive balance ( {$320.00} on a {$250.00} limit ) and is reporting a XXXX late payment from XX/XX/XXXX. The Consumer disputes after resolution comment is misleadingI have not received any validation of this delinquency nor acceptable documentation to back this derogatory mark.

Company response to consumer: Closed with non-monetary relief