vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-05 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: FL

Complaint narrative:
Dear Credit Bureaus Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXXXX/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 2025-06-05 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I never received any notice of a late payment. This reporting is inaccurate and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 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 filing this complaint because I discovered several unauthorized inquiries on my TransUnion credit report. I was notified by XXXX  that my personal information had been compromised in a data breach. Following that notification, I reviewed my TransUnion report and found multiple inquiries that I did not authorize. 

I contacted TransUnion and was told that they could not remove the inquiries unless I obtained deletion letters from each creditor. This response is unacceptable and violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is submitted. Additionally, if any information is reinserted, it must be certified ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ).

Here are the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Based on the letter from Wells Fargo, the branch banker 's claim that I did not bring in the original documents is the core reason why the certificate of deposit account ending in XXXX was not closed during my visit. The letter specifically states, " The banker at that location confirmed that the original documents required to close the decedent 's account were not provided. You presented the original California Letters of Testamentary and a Death Certificate for decedent on XX/XX/year>. '' Here 's a breakdown of how to think about this situation : Wells Fargo 's Position : Wells Fargo stands by the banker 's statement. The letter outlines the documents they require ( original or certified probate documents ) to close the account and claims that I did not provide them. 
Conflicting Information : I provided the necessary documents to the branch banker, but the banker claims otherwise. 

My assertion : The branch banker lied to the Wells Fargo executive office

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 2025-06-05 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding a XXXX XXXX collection account. This account is being reported with conflicting data across all three major credit bureaus ( Experian, Equifax, and TransUnion ), which is a violation of the Fair Credit Reporting Act ( FCRA ).

FCRA Violations : 1. 15 U.S. Code 1681e ( b ) Failure to maintain accurate and up-to-date information.

The closing dates, balance updates, and payment histories differ across Experian, Equifax, and TransUnion. Equifax XXXX XXXX, Transunion XXXX XXXX, Experian XXXX info XXXX. Experian lists last update as XX/XX/year>, while others do not show the same, creating confusion and false representation of activity. 

3. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within a reasonable time.

A remark on Equifax states Consumer disputes this account information, but no reinvestigation appears to have resolved the reporting discrepancies.

3. 15 U.S. Code 1681s-2 ( b ) Furnishers of information must correct and update inaccurate information. 

XXXX XXXX or its third-party agency has failed to ensure that consistent and factual data is reported across all three bureaus. 



FDCPA Violation ( if XXXX or a third-party is collecting ) : 4. 15 U.S. Code 1692e ( 8 ) False or misleading representations.

Reporting conflicting information to the credit bureaus may be considered a deceptive practice, especially if it's affecting my ability to obtain credit. 
I requested method of verification ( Who did you interview to confirm this account is 100 % belong to me, what phone number was called, what time and day did you speak to someone ) I have not received such notice. I stated before if this can't be issued to me in writing within 14 days remove this Account immediately.

Requested Action : I respectfully demand the following actions be taken : 1. Immediate investigation and removal or correction of the XXXX XXXX collection account from all credit bureaus if accurate reporting can not be verified and made consistent. 

2. A detailed explanation of how this account has been verified and what steps have been taken to ensure accurate reporting.

3. Written confirmation of the outcome of this dispute within 14 days as required by law. 



Please consider this letter as a formal notice of dispute. If this matter is not resolved promptly, I am prepared to file more complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General 's office.

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 2025-06-05 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: IL

Complaint narrative:
Subject : FCRA Violations by Equifax, Experian, and TransUnion Body : I am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by the XXXX major credit bureaus : Inaccurate personal information across bureaus Inconsistent employer and address listings Discrepancies in account statuses ( open/closed/derogatory ) Unverified risk factors impacting my score Improper reporting of fraud alerts These issues violate : - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i - 15 U.S.C. 1681c-1 STEP 1 : PERSONAL INFORMATION INACCURACIES Field Bureaus Reporting Differences Notes Potential FCRA Violations Name XXXX shows former name " XXXX XXXX XXXX XXXX XXXX while XXXX XXXX XXXX show XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX Name variation not updated across bureaus 15 U.S. Code 1681i ( a ) failure to maintain accurate info Date of Birth XXXX shows only the year XXXX XXXX XXXX, while XXXX and XXXX show full DOB XXXX XXXX XXXX  Incomplete DOB could affect ID verification 1681e ( b ) Employer Info XXXX lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows none Inconsistent and missing employment info 1681e ( b ) Previous Addresses XXXX  shows addresses not listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' Possibly outdated or mixed files 1681i ( a ) STEP XXXX : CREDIT SCORES TransUnion : XXXX ( Unfavorable ) Experian : XXXX ( Unfavorable ) Equifax : XXXX ( Unfavorable ) Risk Factors Reported : Oldest account too recent Balances too high Recent delinquencies Lack of sufficient real estate accounts If any of this is untrue or inaccurate, it affects scoring unfairly violation under FCRA 1681e ( b ). 
STEP XXXX : ACCOUNT SUMMARY CHECK Bureau Total Accts Open Closed Derogatory Delinquent Collections Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies in open/closed/derogatory accounts suggest inconsistent data possible FCRA 1681i violations.

STEP 4 : POTENTIAL FCRA VIOLATIONS Issue Description FCRA Code Violated Inconsistent name & DOB across CRAs Can affect creditworthiness, identity checks 1681e ( b ), 1681i Missing/extra addresses/employers Signs of incomplete updates or mixed files 1681e ( b ) Different account totals ( open/closed/derog ) Reporting inconsistencies without investigation 1681i ( a ), 1681s-2 ( b ) Risk score factors based on potentially inaccurate data Low scores caused by disputed or outdated info 1681g, 1681e ( b ) XXXX XXXX XXXX  show fraud alerts, XXXX does not All XXXX must reflect fraud alert consistently 1681c-1

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 2025-06-05 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: IL

Complaint narrative:
Subject : FCRA Violations by Equifax, Experian, and TransUnion Body : I am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by the XXXX major credit bureaus : Inaccurate personal information across bureaus Inconsistent employer and address listings Discrepancies in account statuses ( open/closed/derogatory ) Unverified risk factors impacting my score Improper reporting of fraud alerts These issues violate : - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i - 15 U.S.C. 1681c-1 STEP 1 : PERSONAL INFORMATION INACCURACIES Field Bureaus Reporting Differences Notes Potential FCRA Violations Name XXXX shows former name " XXXX XXXX XXXX XXXX XXXX while XXXX XXXX XXXX show XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX Name variation not updated across bureaus 15 U.S. Code 1681i ( a ) failure to maintain accurate info Date of Birth XXXX shows only the year XXXX XXXX XXXX, while XXXX and XXXX show full DOB XXXX XXXX XXXX  Incomplete DOB could affect ID verification 1681e ( b ) Employer Info XXXX lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows none Inconsistent and missing employment info 1681e ( b ) Previous Addresses XXXX  shows addresses not listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' Possibly outdated or mixed files 1681i ( a ) STEP XXXX : CREDIT SCORES TransUnion : XXXX ( Unfavorable ) Experian : XXXX ( Unfavorable ) Equifax : XXXX ( Unfavorable ) Risk Factors Reported : Oldest account too recent Balances too high Recent delinquencies Lack of sufficient real estate accounts If any of this is untrue or inaccurate, it affects scoring unfairly violation under FCRA 1681e ( b ). 
STEP XXXX : ACCOUNT SUMMARY CHECK Bureau Total Accts Open Closed Derogatory Delinquent Collections Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies in open/closed/derogatory accounts suggest inconsistent data possible FCRA 1681i violations.

STEP 4 : POTENTIAL FCRA VIOLATIONS Issue Description FCRA Code Violated Inconsistent name & DOB across CRAs Can affect creditworthiness, identity checks 1681e ( b ), 1681i Missing/extra addresses/employers Signs of incomplete updates or mixed files 1681e ( b ) Different account totals ( open/closed/derog ) Reporting inconsistencies without investigation 1681i ( a ), 1681s-2 ( b ) Risk score factors based on potentially inaccurate data Low scores caused by disputed or outdated info 1681g, 1681e ( b ) XXXX XXXX XXXX  show fraud alerts, XXXX does not All XXXX must reflect fraud alert consistently 1681c-1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
After being informed that I'm a victim of the Equifax data breach, I checked my credit report and found unauthorized accounts! I would like to resolve this issue before consulting with my attorney. Please delete and block these items from my report according to the law. This unfortunate situation as negatively affected my life and credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

UNAUTHORIZED INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 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: PA

Complaint narrative:
Someone opened credit card account under my name IT'S fraud XXXX account number from my credit report XXXXXXXX XXXX XXXX XXXX XXXX  This address is fraud as well XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX also fraud hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 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: MN

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I am filing a complaint against AMER FST FIN due to inaccurate credit reporting on my profile. The account ending in [ last 4 digits if known ] was paid in full and closed as of XX/XX/year>, with a balance of {$0.00}. However, the credit report continues to reflect derogatory status, which is not accurate. 

I have disputed this with the credit bureaus, and the company has not updated or corrected the trade line. I am requesting that the inaccurate information be corrected or the tradeline removed completely. This information is negatively impacting my creditworthiness despite being fully satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance XX/XX/XXXX amount XXXX Radiology Partner XXXX XXXX amount XXXX Alliance mobile XXXX XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
This is an incorrect late payment entry. I demand that it be removed from my credit file.

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