vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CT

Complaint narrative:
I am disputing the accuracy and completeness of the following charged-off accounts reported on my Experian credit report. I have not received documentation verifying the validity, balance, or ownership of these accounts. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Account No. XXXX Date : XX/XX/XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Account No. XXXX Date : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Account No. XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Account No. XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX / XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$900.00} Please verify these accounts directly with the original creditors. If verification can not be provided, I request that Experian remove or correct these accounts to reflect only accurate, verifiable information. 

Thank you for your cooperation.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CO

Complaint narrative:
I am writing to formally dispute several items on my credit report with the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ). Below is a breakdown of the disputed items that I believe are incorrect, incomplete, or inaccurately reported : Charged-Off Accounts : XXXX XXXX XXXX  ( Account No. XXXX ) Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-11 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: NE

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored these inquiries persist. This failure to act is completely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue continues to cause severe emotional and financial harm.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent the below information and called the Wells Fargo Claims Assistance Center XXXX on XX/XX/XXXX. 

Fraud/Regulation E Dispute Department Claims Assistance Center Subject : Resolution of claim account ending in XXXX Reference # : XXXX Dispute of Unauthorized Debit Card Transactions Formally dispute decision to re-debit my account on XX/XX/XXXX for XXXX unauthorized transactions that occurred on my Wells Fargo XXXX XXXX XXXX Total {$150.00} Post date Transaction description Amount XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported both transactions to Wells Fargo within XXXX hours of noticing them, I have always retained possession of my debit card, and I did not authorize, participate in, or benefit from these transactions in any way. Based on the nature of the activity, it appears that my card number was compromised and used for a card-not-present transaction ( likely by phone or online ). 

I requested the below information from you by phone and in written correspondence on XX/XX/XXXX. 

XXXX. ) A written explanation of Wells Fargo 's investigation and determination that these transactions were authorized and XXXX. ) Copies of all documentation, merchant information, and evidence that Wells Fargo relied upon to reach this conclusion. 

Please also provide any evidence that these transactions were authenticated using my PIN, signature, or any other form of identity verification consistent with Regulation E requirements. 
Until these documents are provided, I continue to assert that the transactions in question are unauthorized and should be permanently reversed.

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 monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called to cancel my Citi XXXX credit card. Annual fees were scheduled to be charged on XX/XX/XXXX. The person who took my request ( name unknown ) stated she cancelled by account but refused to send me a confirmation email, stating I would receive a letter in the mail. 

On XX/XX/XXXX, I received an email stating I had a passed due amount with a total balance of {$120.00}. At the time of cancelling, I had a XXXX balance and the card had not been used in over a year. I called to inquire why there was a balance when my account had been closed. I learned that I had a missed payment and was sent to their collections department. The collections department waived the late fee and transferred me to customer services. After XXXX minutes of transfers and holds, I received confirmation that XXXX XXXX ( the customer service rep ) cancelled my account on this date. They made several claims that I could not have the annual fee waived and made numerous offers to transfer it as a credit to a new card. I requested to speak with a supervisor and only then did the customer service agent state that his supervisor ( XXXX XXXX ) was able to waive the annual fee. 

On XX/XX/XXXX, I received another email stating I had a passed due balance that was over 31 days late. I spoke with customer service agent, XXXX, who confirmed my account was closed and late fees were waived. He transferred me to the billing department, where I spoke with XXXX. He stated there was a request submitted to have the annual fee waived. I was previously told this was confirmed, but they are stating this is a request and I should receive confirmation by mail after XXXX business days. 

I'm frustrated that I have had to work this hard to close an account and then be faced with advertisements and offers rather than processing my request. Even more, this puts my credit at risk. Till this occurred, I had 4 years of perfect payment history with this Citi XXXX credit card. Now I have late payments on record due to their inability to process my request and provide confirmation. I have done everything right from a consumer standpoint and yet my credit is being negatively impacted due to their negligence and inability to communicate.

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 monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX XXXX and Attorney General compliant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
Dear Sir/Madam, I am a consumer currently working on improving my credit report and am disputing the following items. I believe these items are inaccurately reported, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 2025-11-11 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Incorrect Reporting Causing Unwarranted Score Drops Summary : I am submitting this complaint because Experian has dropped my credit score multiple times in the past month, despite my account balances significantly decreasing. My updated balances are not being reported accurately. 

Specifically, I have paid down substantial balances with XXXX, XXXX XXXX, and XXXX XXXX, which should reflect as reduced utilization. However, Experians system continues to report higher balances or has not updated the reductions, resulting in my credit score dropping instead of improving.

These balances were fully verified through my most recent creditor statements, which show payments made and lower balances than those displayed on my Experian report. The incorrect reporting is misleading and negatively impacting my credit profile.

I am requesting that Experian immediately investigate this issue under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), verify the updated balances with the furnishers, and correct any inaccurate data being reported. I also request confirmation once these corrections are completed and my report is updated accordingly. 

Supporting Documents Attached : Recent account statements from XXXX, XXXX XXXX, and XXXX  XXXX showing reduced balances Screenshots or PDFs of the Experian credit report showing incorrect balances

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 2025-11-11 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: AL

Complaint narrative:
I am disputing the following accounts and inquiries reported under Experian. Please investigate these items for accuracy. 

Charged Off Accounts : 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 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 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 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 2025-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is set up as a Scam company for Regions Bank and Comdata company to extract fees from a vulnerable population. They charge you fees to withdraw your own money, and even to check your own balance. They charge fees, even when you use their supposedly in network ATMs. The only way to use your money for free to use as a credit card to buy products. Why would anyone use this card to buy products when there are perfectly useful credit cards that offer points and travel miles.

I am certain a class action suit will be filed against them, and they will lose all their money and go bankrupt but in the meantime, I would like a refund for all the fees I have paid. It is not possible to know how many fees I paid because they do not offer you access to your activity. This is just a scam company and most likely everything they do is illegal. Their customer service does not help they tell you that youve not been charged fees and then when I tell them that I was charged {$1.00} fee at the ATM they say oh yes thats right. They are all a scam company. I feel bad for the people that are so pathetic they have to take a job working there. I am requesting a refund of all my fees as well as compensation for the time I spent XXXX hours trying to fix this

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 monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXXTHE NERVE OF YOUR COMPANY NOTICE TO CEASE AND XXXXDESIST OF DEFAMATION, SLANDER, COLLUSION AND XXXXREPORTING TO CONSUMER DATA AGENCIES WITHOUT XXXXCONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO XXXXSUE DELETE IMMEDIATELY     XXXXI NEVER GAVE CONSENT TO USE XXXX  XXXX  XXXX  IN COMMERCE WHO ARE YOU   XXXX XXXX PLAINTIFFXXXX XXXX XXXX XXXXDEFENDANT: DEFENDANT: Caine & Weiner Company, Inc. XXXX number: XXXX BOND SUITCASE    \XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA                                             XXXXRE: ALLEGED ORIGINAL CREDITOR: XXXX   ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER:  XXXX   ALLEGED DEBT AMOUNT OR BALANCE XXXX XXXXCERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEAR: Caine & Weiner Company, Inc   BULK- DEBT COLLECTOR STOP VIOLATING XXXXTHE FDCPA USC 1692D   EXHIBIT XXXX XXXX XXXXXXXX XXXXEXHIBIT XXXX: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE    XXXXTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED XXXXPROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET XXXXSIGNATURE STATING THAT XXXX  RECEIVED IT.     XXXXACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM    \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP    XXXXHARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX XXXX IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. XXXXPLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON XXXXLAW.     XXXXXXXX: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I    XXXXREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-   XXXXLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY    XXXXATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, XXXXINCLUDING REPORTING TO CONSUMER REPORTING AGENCIES     XXXX(XXXX) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS     XXXXREQUEST ABOVE IN EXHIBIT XXXX  AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED XXXXDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE     XXXXCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY     XXXXINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF   XXXXYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY XXXXALSO, YOU MAYBE SUED BY THE CFPB.  ABRUPTLY, .XXXX-XXXX XXXX XXXX XXXX WITHOUT   XXXXPREJUDICE without recourse BENEFICARY OF acct:  XXXX XXXX  XXXX  NOT THE TRUSTEE'

Company response to consumer: Closed with explanation