vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX credit card ( XXXX ) reported on XX/XX/XXXX with a balance of {$6300.00} *, a XXXX XXXX XXXX XXXX  credit card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$4400.00} * *, a XXXX XXXX XXXX XXXX unsecured loan ( XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$3700.00} * *, a XXXXXXXX XXXX XXXXXXXX XXXX account ( XXXX ) reported on XX/XX/XXXX with a balance of {$1400.00} * *, and an XXXX XXXXXXXX, XXXX collection account ( XXXXXXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$220.00} * * that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card from XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX  with a balance of {$6300.00}, a credit card from XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4400.00}, an unsecured loan from XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX with a balance of {$3700.00}, a collection from XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1400.00}, and a collection from XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX with a balance of {$220.00}. These accounts have resulted in fraudulent inquiries and collections. I demand immediate removal of these items and cessation of all related collection activity per my rights under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-15 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: WI

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1600.00} You have received a valid FTC Identity Theft Report and supporting documentation in the prior round. I am now renewing my demand that these items be permanently removed from my report. Continued reporting of known fraudulent data is a direct violation of federal law. 
Please also ensure that all outdated or inaccurate addresses and aliases are deleted. Only the following should remain : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX WI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report as consumer disputes after resolution while the matter is currently in active litigation and has not been resolved. 

I filed a formal dispute and also submitted an answer in small claims court ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX. Mediation is scheduled for XX/XX/year>. Despite the unresolved status, XXXX recently updated the tradeline with this inaccurate descriptor. 

Additionally, they are still reporting the debt as a collection account without proving ownership or validation of the alleged debt. 

This update is false, misleading, and damaging, as it misrepresents the status of the account to current and future creditors. XXXX has not provided proof of ownership, a valid contract, or a chain of title, yet continues reporting as though the matter is closed. 

This may violate provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ) and may also constitute deceptive collection under the FDCPA. 

I request that the tradeline be corrected or removed, and that this matter be investigated. The case is ongoing and unresolved.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX The account is closed, but still adding interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-15 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Back on XX/XX/XXXX, I made a {$1100.00} purchase from XXXX, a vendor who had guaranteed delivery of the product I ordered. After the transaction posted to my credit card with Comenity Capital Bank, I never received anything from XXXX even though they had promised delivery in their original listing. 

Once I realized the product wasnt coming, I reached out directly to XXXX to request a refund, but I never received any response from them. Because of that, I eventually submitted a formal dispute to Comenity Capital Bank. I explained that I never got the merchandise despite XXXX guarantee and that my efforts to get a refund went nowhere. 

Comenity reviewed my case and responded with a letter dated XX/XX/XXXX, confirming that the charge from XXXX was on my account for {$1100.00}. However, they declined to credit my account, citing that more than 60 days had passed since the transaction first appeared and that my balance was paid off by the time they received my dispute. They directed me to try contacting XXXX again, although Id already exhausted that option. 

Throughout this whole process, I followed every step to resolve the issuefrom repeated attempts at contacting XXXX to submitting a formal dispute with my card issuer. In the end, Comenity Capital Bank refused to help, leaving me out the full purchase price for goods that were never delivered, which feels especially unfair given the vendors guaranteed delivery. Thats why Im asking for outside help now, because I was left with no product, no refund, and no further recourse from the credit card company, despite doing everything by the book and relying on their supposed consumer protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I recently discovered a collection account reported under my name that I did not authorize or recognize. I am concerned this may represent a misuse of my personal 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 2025-07-15 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: SC

Complaint narrative:
TransUnion, Experian, Equifax is inaccurately reporting XXXX XXXX XXXX XXXX as a personal alias or associated name under my Social Security Number. 

This is a separate legal entity not my personal identity and it was never authorized to be connected to my consumer credit profile. This trust has its own XXXX, governing structure, and exists independently from my personal legal name. 

I did not sign any documentation authorizing this trust name to be listed as a personal alias, nor did I give consent to XXXX or any other company to furnish that information to my consumer report. 

This false alias association creates legal confusion, exposes me to liability, and violates FCRA Section 607 ( b ), which requires credit reporting agencies to maintain accurate identity records. 

I already submitted disputes and am requesting a full correction and reinvestigation.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint regarding two credit card accounts issued by Wells Fargo, ending in XXXX and XXXX. 

Neither account has ever been legally validated under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). I have not received any signed contract, original agreement, or legal documentation proving that I am responsible for either account. 

Account ending in XXXX has already been removed from my credit reports after a previous dispute, yet it remains active within Wells Fargo 's internal system. I want to ensure that this account is permanently closed and not sold, transferred, or re-reported in the future. 

Account ending in XXXX is still being reported and is now over 180 days past due. I have not received any validation, proof of liability, or confirmation that it is legally linked to my identity. 

I request that the CFPB require Wells Fargo to : Provide full legal validation for both accounts, including signed agreements ; Prove lawful linkage to my Social Security Number ; Cease any reporting, collection, or sale of these accounts without full legal validation ; Permanently close and discharge any unvalidated debt. 

If Wells Fargo can not provide proper documentation, these accounts must not be collected on, reported, or sold to any third party. Failure to comply may be subject to further action under the FCRA and FDCPA

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello i need help i sent money to my owner of house where i am living i always send rent every month last month i sent her XXXX dollars via XXXX from Bank of America but she didnt receive i tried to file claim to bank of America i visited Bank of America they rejected my claim nobody helping me for this problem i have screenshots transactions everything in my Bank of America app

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 2025-07-15 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:
This letter serves as a formal dispute of a late payment reporting on my credit file. I have reviewed my payment history and have found no record to support that the payment was late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Experian did not properly investigate the disputed account, violating FCRA 1681i ( a ). 

Experians response shows they did not perform a reasonable reinvestigation of the disputed account. Instead of verifying the accuracy of the information through documentation, Experian simply relied on a superficial confirmation from the furnisher without obtaining or reviewing any actual evidence. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is legally required to : Conduct a reasonable reinvestigation of disputed items ; Forward all relevant information to the furnisher ; Delete or modify any item that is inaccurate, incomplete, or can not be verified. 

In this case : Experian did not provide the original signed contract or any proof of legal obligation ; Experian did not share the name or department of the person who allegedly verified the data ; Experian did not include any documentation from the furnisheronly a vague claim that it was verified ; Experian ignored my request for specific supporting documents, which they are obligated to obtain and provide if the furnisher claims the information is accurate. 

A true reinvestigation requires a review of actual records and evidencenot blind trust in a furnishers word. Without proof, the information is legally unverified and must be removed. 

Therefore, I am requesting the CFPB to : Reopen the investigation ; Require Experian to produce verifiable documentation, or delete the disputed item ; Investigate whether Experian violated FCRA 1681i ( a ) and take appropriate action.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate infomration on my credit report I already filed all the necessary steps to remove the false 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