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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number 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: 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: MD

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: AL

Complaint narrative:
I called Experian and notified them that there was improper inquiries and report on my credit. The Experian rep asked me to verify my name, Date of birth, address and phone number. I provided all information and was then verified. After reviewing the inquiries and the 30 day late report, the rep stated there was nothing he could do and to " wait for it to fall off ''

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
( Caine and Weiner ) Has reached out to me regarding a debt that is not owed, and has reported to my credit report. I am a victim of identity theft and have informed them of this. They are harassing me by sending messages and phone calls. And have even report inaccurately to My credit report.

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: FL

Complaint narrative:
Several accounts currently appearing on my consumer report are directly connected to identity theft, and I never provided written authorization or a wet signature for their inclusion on my credit file. I have previously contacted your organization regarding this serious matter and am now formally demanding the immediate blocking and complete removal of these fraudulent accounts from my report. The continued presence of these unauthorized accounts has caused considerable emotional and financial distress, as they create a false and damaging representation of my actual credit history and financial responsibilities. These fraudulent entries have significantly impacted my ability to achieve critical financial milestones, including securing a mortgage for home ownership and adequately providing for my family 's essential needs. If this matter does not receive appropriate and timely resolution, I am fully prepared to pursue comprehensive legal action to protect my consumer rights and obtain proper remediation.

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: IL

Complaint narrative:
To whom it may concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally requesting that you investigate and/or unverifiable student loan entry ( ies ) from my credit report. I have identified the follwing account ( s ) as being incorrect and in violation of my rights under federal law. Furthermore, if this debt has been discharged through a bankruptcy or closed due to laon forgiveness programs ( such as XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX ), then its continued appearance on my credit report may be misleading and inaccurate, in violation of FCRA 1681e ( b ). ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXXXXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance {$6000.00} , XXXX XXXX XXXX Balance {$2500.00}, XXXX XXXX XXXXXXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX Balance {$2700.00}, XXXX XXXX XXXXXXXX Balance {$3800.00} , XXXX XXXX XXXX Balance {$4800.00}, XXXX XXXX XXXX Balance {$2300.00}

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 2025-06-05 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: IL

Complaint narrative:
To whom it may concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally requesting that you investigate and/or unverifiable student loan entry ( ies ) from my credit report. I have identified the follwing account ( s ) as being incorrect and in violation of my rights under federal law. Furthermore, if this debt has been discharged through a bankruptcy or closed due to laon forgiveness programs ( such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX ), then its continued appearance on my credit report may be misleading and inaccurate, in violation of FCRA 1681e ( b ). ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXXXXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$1700.00} , XXXX XXXX XXXXXXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$2500.00}, XXXX XXXX XXXXXXXX Balance {$4900.00} , XXXX XXXX XXXX Balance {$2700.00}, XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX XXXX XXXX Balance {$4800.00}, XXXX XXXX XXXX Balance {$2300.00}

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: IL

Complaint narrative:
To whom it may concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally requesting that you investigate and/or unverifiable student loan entry ( ies ) from my credit report. I have identified the follwing account ( s ) as being incorrect and in violation of my rights under federal law. Furthermore, if this debt has been discharged through a bankruptcy or closed due to laon forgiveness programs ( such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX  ), then its continued appearance on my credit report may be misleading and inaccurate, in violation of FCRA 1681e ( b ). ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXXXXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$1700.00} , XXXX XXXX XXXXXXXX Balance {$6000.00} , XXXX XXXX XXXX Balance {$2500.00}, XXXX XXXX XXXXXXXX Balance {$4900.00} , XXXX XXXX XXXX Balance {$2700.00}, XXXX XXXX XXXXXXXX Balance {$3800.00} , XXXX XXXX XXXX Balance {$4800.00}, XXXX XXXX XXXX Balance {$2300.00}

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 2025-06-05 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-06-05 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: WI

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. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Metacorp LLC
State: WA

Complaint narrative:
I do not have a contract with this company and have not given them any of my personal information or authorization to contact me. They have access to my personal information and I dont have a contract with them. I have requested physical copies from the original debt of the contract and they have been unable to provide them to my address on file with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First of all, on XX/XX/scrub> 2025, a fraudulent balance transfer of {$5200.00}, excluding balance transfer fees, was made using my platinum credit card. I reported it to Wells Fargo, which denied my claim without ever communicating with me or attempting to resolve the matter. This raised my credit card balance from roughly {$2500.00} to over XXXX. 

At this point, they knew there was active fraud, with someone being able to remove money from my account, and their only precaution was to close that credit card and open a new one. They did not bother to solve the initial security breach. 

On XX/XX/year>2025, {$7300.00} was transferred from my checking account to my Credit card. Effectively paying off my credit card so that they could do another balance transfer out of my Credit card of {$7800.00}. 

Between the blatant theft and the fees that Wells Fargo has charged me, I have no money left to my name. Their customer service has kept me on the phone for hours, but they have still been unable to resolve this matter. 

Wells Fargo has stated that it can not prove that a third party made the Balance transfers. They have not provided any proof of their investigation or methodologies.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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: SC

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

Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXX  My correct Social Security XXXX My correct address is : 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 2025-06-05 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several significant inaccuracies that raise serious concerns regarding the accuracy and integrity of the data being reported. Specifically, two auto loan accounts listed under XXXX XXXX XXXX balances of {$12000.00} and $ XXXX being reported despite the fact that I have never opened, authorized, or signed for such accounts. Additionally, four closed accounts from XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX appear on my report without sufficient explanation, and may reflect outdated information, duplication, or erroneous reporting. These discrepancies suggest possible identity theft, furnisher error, or mixed-file reporting, all of which are in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires that consumer reporting agencies maintain maximum possible accuracy. Furthermore, if these accounts can not be verified with original signed documentation, their continued reporting also violates FCRA 1681i, which mandates deletion of any information that is inaccurate or unverifiable within 30 days of a formal dispute. Under FCRA 1681g ( Section 609 ), I have the right to request all information and its sources from my credit file, and under 1681c, outdated and obsolete information must not be reported. Additionally, if any of these accounts are the result of collection activity, I reserve my right under the Fair Debt Collection Practices Act ( FDCPA ) 1692g to demand full validation. The presence of these accounts is unfairly impacting my credit score and overall financial standing, and I request immediate reinvestigation and corrective action.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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