vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I want to address recent correspondence from Experian and TransUnion indicating that my prior dispute may not have been submitted by me. To be absolutely clear : I am the sole consumer involvedthis is not a third-party submission. I have not authorized any third-party, credit repair service , or outside representative to act on my behalf. All communications regarding my credit file come directly from me. During a routine credit report review, I discovered multiple inaccuracies that do not reflect my credit history or personal identity. These require immediate investigation and correction to ensure accuracy and compliance with federal law. 

Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX I have never lived at or been associated with the XXXX address. Per FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( XXXX ) ], I have the right to know and verify what identifying information is reported about me. I request its permanent removal to avoid confusion or identity mix-up. 

Account : XXXX XXXX XXXX XXXX Balance : XXXX Reported Payments : Late from XX/XX/XXXX through XX/XX/XXXX A closed account with a {$0.00} balance should not continue to report late payments. This contradicts : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ( accuracy requirements ) FCRA 623 ( a ) ( 2 ) ( furnishers must update inaccurate info ) FCRA 611 ( right to dispute and obtain timely investigation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Each is listed as a charge-off, yet no IRS Form 1099-C has been issued. If a debt of {$600.00} or more is forgiven, a 1099-C is required. Without it, the debt may remain collectible, and continuing to report charge-off status may be misleading. This potentially violates : FCRA 623 ( a ) ( 1 ) ( A ) ( reporting accurate, complete info ) FCRA 611 ( a ) ( right to dispute, with investigation in 30 days ) Agency : XXXX Original Creditor : XXXX XXXX XXXX : XXXX I have received no validation or contact regarding this debt. Per FDCPA 809 ( right to debt validation ), FDCPA 807 ( prohibition of misleading representations ), and FCRA 609 ( a ) ( 1 ) ( right to full file disclosure ), this item must be validated or deleted. 


E. Unauthorized Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for any credit product with these organizations. Per FCRA 604 ( a ) ( 3 ) ( permissible purpose requirement ), FCRA 616 ( liability for willful violations ), and FCRA 611 ( a ) ( dispute rights ), these inquiries should be removed unless verifiable documentation of my consent is provided.

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 2025-09-03 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit file for {$5300.00}. The reporting contains multiple inaccuracies : They are listed as the original creditor, which is false. 
The account is reported as a joint account, but I have no joint accounts. 
The account shows an open date of XX/XX/year>, which is impossible. 
No account number or identifying information is provided, making the account unverifiable. 

I have disputed this account multiple times, and each time it comes back as Dispute resolved subscriber disagrees. The bureaus and XXXX XXXX XXXX are continuing to report false, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This has caused me emotional distress and financial harm. 

I am requesting immediate removal of this collection tradeline from all of my credit reports.

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 2025-09-03 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing an unauthorized charge of {$8900.00} that posted to my account in XX/XX/XXXX. I never received the card, never activated it, and never authorized any transactions. Despite this, my bank denied my claim, stating only that the card was activated on XX/XX/XXXX at XXXXXXXX XXXX  through channel XXXX. 

This response does not satisfy the investigative requirements under federal law. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR 1005 ), banks are required to conduct a reasonable and thorough investigation into consumer disputes. Simply citing an activation record is not sufficient evidence that I authorized these transactions. 

Additionally, Regulation E, 1005.11 ( d ) requires the bank to provide, upon request, all documentation relied upon in making its decision. I specifically requested transaction records, merchant receipts, XXXX  system logs, and surveillance footage where applicable, but the bank failed to provide this information. 

Because I never received or used the card, the charges were unauthorized, and I am entitled to reimbursement of the {$8900.00} under federal law. The banks failure to properly investigate and its refusal to provide required documentation appear to violate both EFTA/Regulation E and CFPB compliance standards.

I am requesting the CFPBs assistance in ensuring that the bank : 1. Conducts a proper investigation into this matter.

2. Provides me with copies of all records used in its decision.

3. Reimburses me for the unauthorized {$8900.00} transaction.

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 2025-09-03 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: AZ

Complaint narrative:
My credit report contains a XXXX  XXXX Bankruptcy ( Reference No. XXXX, filed XX/XX/year> ) that I believe is being reported inaccurately and unverifiable. Bankruptcy courts do not furnish information directly to credit reporting agencies, yet this item continues to appear on my report. Under FCRA 607 ( b ), consumer reporting agencies must assure maximum possible accuracy, and under FCRA 611, I have the right to a reasonable reinvestigation. I requested verification directly from the bureaus, but they have not provided written proof from the actual court of record. 

The reporting is also inconsistent and may be outdated, which would violate FCRA 605 ( a ). Without direct verification from the courthouse, this record is unverifiable and harmful to my credit standing.

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 2025-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-09-03 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-09-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts \nIdentity Theft Victim\n\nDear Transunion Consumer Services,\nI am following up again regarding my previous request to block and delete fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Transunion data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed,\nas well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX received an amount $XXXX  by my credit card XXXX  reward points i name page XXXX XXXX this nickname is XXXX XXXX celebrity but they dont understand what i explain, i sent them proof via fax to deposit verification team wells fargo at number XXXX XXXX XXXXCase number XXXX XXXX XXXX XXXX XXXX card statement proof\nPoints details page proof \nPage transfer of this points proof \nMy XXXXXXXX XXXX XXXX XXXXXXXX  as Im trust person \n\nFrom XXXX XXXX no reply at all , so now i complain about the misunderstanding happened i need apologies'

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 2025-09-03 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I am writing to formally dispute certain information in my credit file pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i. This section mandates that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item in their file. There were late payments on my credit report that shouldn't be there and need to be corrected. Please review my attached PDF in accordance to this matter and remove all late payments.

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 2025-09-03 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: FL

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 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