vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: KS

Complaint narrative:
Multiple credit accounts and collection items are being reported with inaccurate, inconsistent, or unverifiable information. Several accounts reflect charge-offs that continue to show rolling delinquency and past-due balances after the charge-off event, which is not accurate unless fully documented. An auto loan is reported as a repossession with a remaining balance, yet there is no documentation showing how the collateral was sold, how proceeds were applied, or how any deficiency balance was calculated. In addition, multiple collection accounts are being reported without proof of ownership, assignment, or itemized balance calculations. There are also hard inquiries appearing on the credit report without clear evidence of a permissible purpose or consumer authorization. Formal disputes were submitted requesting reinvestigation, but the credit bureau continued reporting these items without providing evidence that the furnishers properly validated the information as required under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-16 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:
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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please review the materials enclosed ; the inquiries were abrupt and possibly unauthorized.

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 2025-12-16 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: CT

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-12-16 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account.

An account reported by Self Financial / Lead Bank was opened in XX/XX/year> and is currently reported as charged off with a balance of approximately {$3400.00}. I did not open, authorize, or benefit from this account. The account is the result of identity theft. 
I have disputed this account multiple times through the credit reporting agencies and directly with the company. I also filed a police report with the XXXX Police Department related to this identity theft ( report number XXXX ). 

Despite these disputes, the company continues to report the account as valid without providing documentation that I authorized or opened the account. My personal information has also been involved in documented data breaches, increasing the risk of fraudulent account activity.

I am requesting that Self Financial / Lead Bank conduct a reasonable investigation, provide proof that I opened or authorized this account, and correct or delete the inaccurate information being reported to the credit bureaus in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I keep getting harassed for over 2 weeks by a XXXX XXXX at ( XXXX ) XXXX in regards to a line of credit at Wells Fargo that I never had. Never banked with Wells Fargo. Spent 3 hours on the phone yesterday with Wells Fargo Fargo to see if an account was fraudulently made in my name. Well Fargo confirmed there is no account or has there ever been an account for me.

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 2025-12-16 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
unauthorized inquires. This is my second request demanding Transunion to delete these unauthorized inquires.

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 2025-12-16 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: MD

Complaint narrative:
unauthorized inquires. This is my second request demanding Transunion to delete these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
A bank account was fraudulently opened in my name I had no knowledge of said account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Whats showing right now doesnt fully or correctly represent how I handle my finances. Please take another look and update it.

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 2025-12-16 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: TX

Complaint narrative:
I submitted multiple credit disputes through XXXX XXXX beginning in XXXX XXXX XXXX XXXX showed these disputes as sent to TransUnion and later marked them as resolved, however the affected accounts continued to display a status of Unknown for months with no explanation. 

When I reviewed my TransUnion credit report directly, those same accounts do not show any dispute history at all and do not appear in TransUnions Previous Disputes & Requests section. This indicates the disputes were either never processed, never investigated, or improperly closed without a determination. 

I requested clarification and verification regarding the status and outcome of these disputes but did not receive any explanation, results, or documentation from TransUnion. Despite this, the accounts remain on my credit report with derogatory information. 

This represents a failure to properly investigate disputes and a failure to provide required notice of investigation results.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XX/XX/year> XXXX  reported a new Hard Inquiry on my account from Capital One. I did not apply for a new credit card. I first disputed this with XXXX  who " flagged '' the inquiry then advised me to file a complaint with the FTC. I then called Capital One, they stated they would " investigate. '' I was not provided any other additional information such as confirmation of the investigation, or next steps. I receive monthly soft inquiries from Capital One and have requested to Opt-out and they have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
THIS LATE PAYMENT IS INACCURATE AND MUST BE CORRECTED.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling 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 non-monetary relief
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
This complaint is being submitted to report ongoing violations of the Fair Credit Reporting Act by multiple furnishers and consumer reporting agencies. Despite submitting prior disputes and allowing sufficient time for reinvestigation, inaccurate and unverified information continues to be reported on my consumer credit file. This complaint is being filed while my prior CFPB case remains open, and this submission reflects continued noncompliance. I have not yet submitted an FTC identity report ; however, the Fair Credit Reporting Act does not require an FTC filing for a furnisher or bureau to comply with its duty to ensure maximum possible accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 
XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$620.00} | Reporting Issue : Late Payment * * The late payment history reported on this account is inaccurate. My records do not support any late payments being made on this account. Under the FCRA, you are required to report payment history accurately and completely. I am disputing the late payment notation only and requesting correction of the payment history to reflect accurate reporting. Deletion is not being requested ; correction of the inaccurate late payment history is required after proper reinvestigation. 
XXXX  Account XXXX Date Opened : XX/XX/XXXX | High Balance : {$5200.00} | Reporting Issue : Collection * I have no knowledge of this account and dispute its ownership. Please provide proper verification demonstrating that I am legally responsible for this debt. If such verification can not be produced, the account must be removed in accordance with 15 U.S.C. 1681i. 
XXXX XXXX dated XX/XX/XXXX I did not authorize this inquiry and no permissible purpose has been established. This inquiry is disputed and must be removed unless you can provide written proof of authorization. 
XXXX XXXX dated XX/XX/XXXX I did not give consent for this credit inquiry. This inquiry is disputed and should be deleted if proper authorization can not be verified. 
XXXX XXXX dated XX/XX/XXXX This inquiry is unauthorized and disputed. It must be removed if no permissible purpose exists. 
I am requesting that the CFPB review this complaint and require the furnishers and consumer reporting agencies involved to fully comply with federal law, conduct lawful reinvestigations, correct inaccurate information, and remove any information that can not be verified. Continued reporting of inaccurate or unverified data after dispute causes ongoing harm and reflects systemic noncompliance. I request written confirmation of corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Please examine the attached documents ; the inquiries were abrupt and may lack authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no involvement with these accounts and request their deletion within 15 days pursuant to USC 1681g.

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