vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
WF contacted me saying they needed to fix something regarding my account. I called in, completed some to-do information, and was told the issue was fixed. This was a priority because as of XX/XX/year> we were expecting a baby any day and did not have the ability to go somewhere and take time out to fix whatever issue WF had. 

We fixed the issue online ( re-filed paperwork ) and I was told the issue was closed and to not worry. XXXX day XXXX, the beginning of an ongoing XXXX stay, WF sent me an account closure notice due to not taking care of the issue they told me about prior. I called them, told them I'd filed the paperwork, but they said I needed to go into a bank to fix it. I was again one day XXXX  and my child is still in the XXXX, trying to iron out the issue with WF. They couldn't tell me what the lingering issue was, and to go into a local bank to fix it. I called the local bank who couldn't tell me what the issue was. I respectfully request that someone be assigned to my case who can assist in closing out whatever issue persists electronically as I attempted to do so prior to delivery, and absolutely can not accommodate any in person visits due to my current circumstances.

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 2025-11-14 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: NC

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 2025-11-14 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: NC

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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Summary of the Issue XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate and inconsistent information about my account to all three credit bureaus. I have been making payments since a court hearing on XX/XX/XXXX, but the creditor continues to report false late payments, charge-off statuses, and comments claiming they can not locate me. These statements are untrue and damaging my credit. 

Experian Reporting Shows the account as open Comment : Creditor can not locate individual Reporting {$2900.00} written off Reporting {$2200.00} past due as of XX/XX/XXXXXXXX XXXX XXXX Reporting Shows the account as closed and charged off Negative comments from XXXX to now stating they can not locate me Reporting I am XXXX days late, despite ongoing payments XXXX  Reporting Shows the account as closed and charged off Marked as repossessed Reporting I am XXXX days late and can not be reached All three reports conflict with each other and with my actual payment history. 

Conflicting Balance Information In XX/XX/XXXX, the creditor provided me with an account ledger stating : Amount owed : {$4200.00} Amount paid : {$1300.00} However, the credit bureaus list completely different numbers : Experian shows {$2200.00} past due and a {$3000.00} highest balance XXXX  and XXXX  show other charged-off/past-due amounts These numbers do not match the ledger or each other. I have no clear explanation from the creditor about what is actually owed or how my payments are being applied. 

Attempts to Resolve I have filed multiple disputes with all three credit bureaus. 

Each bureau reports that the creditor verified the inaccurate information. 

I have attempted to contact the XXXX XXXX XXXX XXXX XXXXXXXX many times, but I have not been able to reach anyone for clarification or correction. 

All of this continues despite my consistent payments since XX/XX/XXXX. 

What I Am Requesting From the CFPB I am requesting that the CFPB : Investigate the XXXX XXXX XXXX XXXX XXXX for inaccurate and inconsistent reporting. 

Require the creditor to provide a clear and accurate accounting of the true balance and payment history. 

Require the credit bureaus to update the reporting to reflect accurate, verified, and lawful information. 

Ensure the false comments ( e.g., can not locate individual, repossessed, incorrect past-due amounts, etc. ) are corrected or removed. 

These errors are significantly harming my credit and preventing me from understanding the true status of my account. 

Documentation I Can Provide I can upload or provide : Payment receipts The XX/XX/XXXX account ledger Court documents Credit reports XXXX dispute 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 explanation
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
Summary of the Issue XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate and inconsistent information about my account to all three credit bureaus. I have been making payments since a court hearing on XX/XX/XXXXXXXX but the creditor continues to report false late payments, charge-off statuses, and comments claiming they can not locate me. These statements are untrue and damaging my credit. 

XXXX  Reporting Shows the account as open Comment : Creditor can not locate individual Reporting {$2900.00} written off Reporting {$2200.00} past due as of XX/XX/XXXX XXXX Reporting Shows the account as closed and charged off Negative comments from XXXX to now stating they can not locate me Reporting I am XXXX days late, despite ongoing payments TransUnion Reporting Shows the account as closed and charged off Marked as repossessed Reporting I am XXXX days late and can not be reached All three reports conflict with each other and with my actual payment history. 

Conflicting Balance Information In XX/XX/XXXX, the creditor provided me with an account ledger stating : Amount owed : {$4200.00} Amount paid : {$1300.00} However, the credit bureaus list completely different numbers : XXXX  shows {$2200.00} past due and a {$3000.00} highest balance XXXX  and TransUnion show other charged-off/past-due amounts These numbers do not match the ledger or each other. I have no clear explanation from the creditor about what is actually owed or how my payments are being applied. 

Attempts to Resolve I have filed multiple disputes with all three credit bureaus. 

Each bureau reports that the creditor verified the inaccurate information. 

I have attempted to contact the XXXX XXXX XXXX XXXX XXXXXXXX many times, but I have not been able to reach anyone for clarification or correction. 

All of this continues despite my consistent payments since XX/XX/XXXX. 

What I Am Requesting From the CFPB I am requesting that the CFPB : Investigate the XXXX XXXX XXXX XXXX XXXXXXXX for inaccurate and inconsistent reporting. 

Require the creditor to provide a clear and accurate accounting of the true balance and payment history. 

Require the credit bureaus to update the reporting to reflect accurate, verified, and lawful information. 

Ensure the false comments ( e.g., can not locate individual, repossessed, incorrect past-due amounts, etc. ) are corrected or removed. 

These errors are significantly harming my credit and preventing me from understanding the true status of my account. 

Documentation I Can Provide I can upload or provide : Payment receipts The XX/XX/XXXX account ledger Court documents Credit reports Bureau dispute 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 2025-11-14 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: IN

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/2023 Balance : {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Make sure contested accounts are removed within all mandated statutory intervals.

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 2025-11-14 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
National Credit Systems has reported to the credit companies that myself and husband owe over {$4000.00} in rental related charges.

I am disputing this alleged debt because it is legally invalid, improperly calculated, and was created in violation of XXXX  landlord-tenant law. 

XXXX. My landlord failed to comply with Indiana XXXX XXXX and XXXX, which require a landlord to provide an itemized list of damages or deductions within 45 days of the tenant vacating. 

I moved out on XX/XX/year>. 

The landlord did not provide any move-out statement until XX/XX/year>, which is over 100 days later. 

Because they failed to meet the 45-day requirement, Indiana law states the landlord forfeits the right to retain the security deposit and forfeits the right to pursue damages. 

Therefore, no legally valid debt exists. 



XXXX. The move-out statement they eventually sent was inflated, inconsistent, and contained duplicated charges. 

They charged me rent for the month of XXXX XXXX, even though I paid rent through XX/XX/XXXX and provided a valid 30-day notice as a month-to-month tenant. 

They attempted to charge an early termination fee, even though I was not under a lease for 2025 and was legally month-to-month. 

They initially claimed I owed over {$4000.00}, then reduced it to {$1000.00}, then to {$600.00}, depending on when I questioned or challenged the charges. 

The drastic and repeated changes in the alleged balance suggest fraudulent and deceptive accounting practices. 



XXXX. The landlord has never provided a proper itemized list compliant with Indiana law. The late receipts and contractor invoices they sent are not legally valid because they were not provided within the required 45-day window and do not replace the required written itemized statement. 


XXXX. The debt collector, National Credit Systems , Inc., was notified that I disputed the debt via email and asked for them to provide validation as required under the FDCPA ( 15 U.S.C. 1692g ). 

They never responded or provided validation. 

Despite this, they have reported the alleged debt to credit reporting agencies, which violates the FDCPA ( false or misleading representations and failure to mark the account as disputed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} Inquiries XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts No positive accounts listed for Equifax. 

Late Payment Accounts XXXX XXXX  Account Number : XXXX DPT EDXXXX - Account Number : XXXX DPT EDXXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 writing to dispute several accounts that have been inaccurately reported on my Experian credit report. Below is the detailed information regarding the accounts in question : Charged-Off Accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200.00} Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX, XXXXXXXX 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX XXXX was a victim of identity theft. My wallets with he possession of my debit card were lost and someone used my identification and debit card to deposit a check via the ATM and withdraw the funds. 


I did not make these transactions. 

Amount {$10000.00} Citi Bank Closure date : XX/XX/year>

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 2025-11-14 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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