vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I discovered bank accounts and financial activity associated with my identity that I did not authorize or recognize. I experienced difficulty accessing accounts and later found records showing account linkages I did not create. I am requesting a review of all accounts tied to my identity and correction of any unauthorized or inaccurate information.

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 2025-12-26 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: PA

Complaint narrative:
I am filing this complaint regarding an unauthorized and improperly verified hard inquiry that continues to appear on my Equifax credit report despite being disputed. 

On my Equifax credit report, there is a hard inquiry from XXXX XXXX dated XX/XX/year>. I did not provide permissible authorization for this inquiry, and Equifax has failed to provide any documentation proving that I authorized XXXX XXXX to access my credit report. 

I previously disputed this inquiry and specifically requested verification, including proof of permissible purpose such as a signed credit application, written consumer authorization, or any documentation showing that I authorized this hard pull. No such documentation was provided, yet the inquiry remains on my credit report. 

Under the Fair Credit Reporting Act, a hard inquiry may only be reported if it was made for a permissible purpose. A credit bureau can not simply rely on a furnishers assertion that an inquiry is valid without producing evidence of authorization. Marking an inquiry as verified without documentation does not constitute a reasonable reinvestigation. 

By continuing to report this inquiry without proof of authorization, Equifax has failed to follow reasonable procedures to assure maximum possible accuracy and has failed to properly reinvestigate disputed information. This inquiry is negatively impacting my credit profile and my ability to obtain credit. 

XXXX conduct violates, but is not limited to, the following provisions : 15 U.S.C. 1681b ( a ) Reporting a consumer inquiry without a permissible purpose 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) Failure to properly forward dispute information to the furnisher 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine accuracy Additionally, under UCC 9-203 ( b ), enforceable rights affecting a consumer require proper authorization. In the absence of documented authorization, the continued reporting of this inquiry is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and inconsistent reports on my credit file from Experian, TransUnion, and Equifax related to my XXXX and XXXX XXXX accounts. Several XXXX accounts, including those ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show balances ranging from {$790.00} to {$6900.00} with late payments of 90, 120, and 150 days reported in Experian and TransUnion, while these same accounts reflect good standing in Equifax, and some are missing entirely from Equifax. Similarly, XXXX XXXX accounts, including those ending in XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, are reported with XXXX, XXXX, and XXXX late payments in TransUnion and Equifax, but are not reported XXXX inconsistently reported in Experian and Equifax. These discrepancies create an inaccurate reflection of my payment history, with balances, last activity dates, and late payments reported differently across bureaus. I have verified that the accounts are otherwise in good standing or fully paid, and the inconsistencies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 623 ( a ) ( 2 ), 623 ( b ), and 16661666a, requiring accurate reporting and investigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and inconsistent reports on my credit file from Experian, TransUnion, and Equifax related to my XXXX and XXXX XXXX accounts. Several XXXX accounts, including those ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show balances ranging from {$790.00} to {$6900.00} with late payments of 90, 120, and 150 days reported in Experian and TransUnion, while these same accounts reflect good standing in Equifax, and some are missing entirely from Equifax. Similarly, XXXX XXXX accounts, including those ending in XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, are reported with XXXX, XXXX, and XXXX late payments in TransUnion and Equifax, but are not reported XXXX inconsistently reported in Experian and Equifax. These discrepancies create an inaccurate reflection of my payment history, with balances, last activity dates, and late payments reported differently across bureaus. I have verified that the accounts are otherwise in good standing or fully paid, and the inconsistencies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 623 ( a ) ( 2 ), 623 ( b ), and 16661666a, requiring accurate reporting and investigation of disputed information.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing a debt that I did not open or authorize. An account was opened fraudulently in my name with XXXXComenity on or about XX/XX/year>. I did not apply for, use, or benefit from this account. No payments were ever made by me. 

The account was later charged off and transferred to XXXX XXXX XXXX, who is now attempting to collect and is reporting the account on my credit reports. I notified XXXX XXXX XXXX in writing that this account is the result of identity theft and requested verification and investigation. On or about XX/XX/year>, XXXX responded stating they believed their records were accurate and requested additional documentation. 

I am submitting this complaint and identity theft report because this is an attempt to collect a debt I do not owe and the account is the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing a complaint against PayPal for denying reimbursement for an unauthorized electronic fund transfer resulting from an account takeover. 

On or about [ DATE ], {$970.00} was sent from my PayPal account via Friends & Family. I did not authorize, initiate, or benefit from this transaction. The transaction originated from New York, while I live in and was physically located in New Jersey at the time. 

This was not a mistake or a scam payment it was unauthorized access to my PayPal account by an unknown third party. I did not share my login credentials, approve the payment, or have any relationship with the recipient. 

I reported this to PayPal immediately and provided evidence, including location mismatch and identity-theft documentation. PayPal denied my claim solely because the payment was sent via XXXX XXXX XXXX. This is improper, as federal consumer protections ( Regulation XXXX ) apply to unauthorized electronic fund transfers regardless of payment type. 

PayPal has failed to properly investigate clear evidence of account takeover and unauthorized access. I am requesting that PayPal be required to reimburse the full {$970.00}, correct their investigation, and comply with federal consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this * * formal complaint and demand * * regarding * * unauthorized hard inquiries * * on my credit file initiated by XXXX ( XXXX XXXX Bank ) on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are tied to credit card accounts that XXXX XXXX XXXX wrongfully closed * * and mishandled in violation of standard banking procedures. The company failed to follow proper notice and dispute protocols, making these inquiries * * unauthorized, inaccurate, and damaging * * to my creditworthiness. 

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), 1681no * *, TransUnion has a legal duty to : 1. Maintain * * accurate and complete consumer information * *.

2. Conduct a * * reasonable and thorough reinvestigation * * when disputes are filed.

3. Remove * * inaccurate, unauthorized, or misleading information * * from my credit file.

The continued reporting of these hard inquiries is a * * willful violation of federal law * *, and TransUnion is exposed to civil liability, including statutory and punitive damages.

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 2025-12-26 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 consumer submits this third formal follow-up to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items currently reported on their credit file across Experian, Equifax, and TransUnion. Despite prior disputes, several accounts and inquiries remain inaccurately reported, continuing to negatively impact the consumers credit reputation, financial standing, and ability to access fair credit. These items constitute violations of federal law and must be permanently removed to restore the accuracy and integrity of the consumers credit report. 

Specifically, the account XXXX XXXX XXXX with a reported balance of {$13000.00} on Experian, Equifax, and TransUnion is inaccurately listed as late-closed. This repeated misreporting violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which require that all reported information be accurate, verifiable, and properly documented. 

Additionally, the account XXXX XXXX XXXX with a reported balance of {$32000.00}, reported as a charged-off account across all three bureaus, remains on the consumers report without proper verification and without issuance of a required XXXX for debts over {$600.00}. This violates FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681c-2, and FCRA 607 ( b ). 

Furthermore, unauthorized or inaccurately reported inquiries, including XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

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 2025-12-26 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: AR

Complaint narrative:
I am filing this complaint against TransUnion and Experian for failing to maintain accurate credit reporting and for continuing to report inaccurate, obsolete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). My credit reports include multiple incorrect addresses, specifically XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX Ct, XXXX, AR XXXX ; and XXXX XXXX XXXX, XXXX XXXX, AR XXXX, which do not reflect my actual residential history and XXXX lead to file confusion. Additionally, my reports contain charge-off accounts that are inaccurately reported, including XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$680.00} and XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$17000.00}, which XXXX have incorrect dates, balances, or statuses. Unauthorized or impermissible hard inquiries also appear, including RegionalAC dated XX/XX/year>, XXXX dated XX/XX/year>, and TAB/Mission dated XX/XX/year>, for which I did not provide authorization or proper consent. Despite my rights under FCRA 611, 605, 607, and 623, these inaccuracies remain unresolved and continue to negatively affect my creditworthiness.

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 2025-12-26 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: FL

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING & DEBT COLLECTION Companies involved Equifax Credit Collection Service XXXX ( Original Creditor ) What happened? 
I am filing this complaint regarding the inaccurate and unlawful reporting of an insurance collection that does not represent a valid debt. 
A collection account for {$570.00}, reported by XXXX XXXX XXXX and attributed to XXXX XXXX XXXX, appears on my Equifax credit report. This account is inaccurate and unsupported by any legitimate billing or proof of debt. 
I was a XXXX customer for approximately 20 years. My policy was administratively terminated due to missing underwriting information, not for nonpayment. I have written documentation from XXXX confirming this administrative cancellation. The notice contains no invoice, no balance due, and no demand for payment. 
Despite providing this documentation, Equifax claims the account was verified as reported. However, Equifax did not obtain or require : A final premium invoice A billing ledger from XXXX Proof of an amount owed Any contract or accounting substantiating a {$570.00} balance Equifax merely updated cosmetic fields such as status date and balance date, which does not constitute a reasonable reinvestigation. 
XXXX XXXX XXXX continues to report and attempt to collect an insurance debt that never existed, and XXXX has failed to correct or withdraw the inaccurate information being furnished on its behalf.

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 2025-12-26 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: FL

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING & DEBT COLLECTION Companies involved Equifax Credit Collection Service XXXX ( Original Creditor ) What happened? 
I am filing this complaint regarding the inaccurate and unlawful reporting of an insurance collection that does not represent a valid debt. 
A collection account for {$570.00}, reported by XXXX XXXX XXXX and attributed to XXXX XXXX XXXX, appears on my Equifax credit report. This account is inaccurate and unsupported by any legitimate billing or proof of debt. 
I was a XXXX customer for approximately 20 years. My policy was administratively terminated due to missing underwriting information, not for nonpayment. I have written documentation from XXXX confirming this administrative cancellation. The notice contains no invoice, no balance due, and no demand for payment. 
Despite providing this documentation, Equifax claims the account was verified as reported. However, Equifax did not obtain or require : A final premium invoice A billing ledger from XXXX Proof of an amount owed Any contract or accounting substantiating a {$570.00} balance Equifax merely updated cosmetic fields such as status date and balance date, which does not constitute a reasonable reinvestigation. 
XXXX XXXX XXXX continues to report and attempt to collect an insurance debt that never existed, and XXXX has failed to correct or withdraw the inaccurate information being furnished on its behalf.

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 2025-12-26 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: WA

Complaint narrative:
I am submitting this third formal dispute regarding inaccurate information currently reported on my Equifax, Experian and TransUnion credit file. Despite prior communications, these accounts continue to reflect information that is inconsistent, incomplete, and potentially misleading, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) Dispute of Inaccurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) Obsolete Information, 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure, as well as 1666 Correction of Billing Errors and 1666a Creditor Restrictions During Dispute where applicable. I am requesting a complete reinvestigation, verification, and correction of the following items to ensure that my Equifax, Experian and TransUnion report reflects accurate and verified information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
I am submitting this third formal dispute regarding inaccurate information currently reported on my Equifax, Experian and TransUnion credit file. Despite prior communications, these accounts continue to reflect information that is inconsistent, incomplete, and potentially misleading, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) Dispute of Inaccurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) Obsolete Information, 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure, as well as 1666 Correction of Billing Errors and 1666a Creditor Restrictions During Dispute where applicable. I am requesting a complete reinvestigation, verification, and correction of the following items to ensure that my Equifax, Experian and TransUnion report reflects accurate and verified information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief