vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts. They are hurting my ability to obtain credit.

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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: SC

Complaint narrative:
I made a purchase on XX/XX/XXXX, It was an XXXX purchase totalling to {$160.00} XXXX  a {$1.00} pending charge that should be removed. I was charged twice it seems, I was charged {$160.00} ( which was the price of the purchase XXXX the hold ) I have a pending charge for {$160.00} ( the price of the items total without the hold ) and It's making my balance in the negatives. CashApp is not helping, XXXX is not helping. I need my money back. I've contacted them multiple times, they escalated my case and did nothing with it. All I need them to do really is remove this pending, and they're acting as if they can't. There is no reason for it to be there, I received everything from my XXXX order, the original funds have all been taken out of my account. There's no reason why the pending should be here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a formal dispute with all three credit bureaus regarding a closed account from XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ). The reporting of this account is materially inaccurate and non-uniform across Equifax, Experian, and TransUnion, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Summary of FCRA Violations : 607 ( b ) : Inaccuracy and inconsistency across CRAs Equifax shows a " last updated '' date of XX/XX/XXXX, which is inconsistent with closure and final payment status. This raises concerns of unlawful re-aging.

TransUnion and Experian last reported the account in XXXX, suggesting it was closed years earlier.

Experian also reports a 30-day late mark, while Equifax and TransUnion show the account as current or paid as agreed, creating further material conflicts. 

623 ( a ) ( 3 ) : Failure to reflect a dispute The account does not reflect any dispute notation on any of the reports, despite my prior disputes a clear violation if the account was challenged and not marked accordingly.

611 : Inadequate reinvestigation The ongoing inconsistencies in delinquency status, dates, and reporting history suggest that no proper reinvestigation has taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report. I recently received a copy of my credit report and noticed accounts listed under kickoff lending, Chime Secured Credit Card, that do not belong to me. That account was opened and reported without my knowledge or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts. They are hurting my ability to obtain credit.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing the reporting of a collection account listed by XXXX XXXX  for an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} ). This account is reported only by TransUnion and not at all bXXXX XXXX XXXX XXXX which raises immediate questions about accuracy, integrity, and proper verification. 

FCRA Violations Identified : 607 ( b ) : Failure to ensure maximum possible accuracy The account appears on TransUnion only, with no trace on XXXX XXXX XXXX 

TransUnion reports every date field as XX/XX/XXXX, including " Date Opened, '' which is suspicious and likely incorrect, as the alleged debt dates back to XXXX. 

These uniform and possibly fabricated date entries strongly suggest either incomplete data collection or false updating, which misleads credit scoring models and lenders. 

XXXX ( a ) ( XXXX ) : Omission of dispute status Despite this formal dispute, TransUnion has not marked the account as disputed, and prior challenges appear to have been ignored. 

XXXX : Failure to verify and reinvestigate If this debt is legitimate and properly verified, it should appear consistently across all major CRAs. Its exclusive presence on TransUnion suggests a breakdown in the verification process or unverified collection activity.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I opened a savings account in Wells Fargo bank, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX back in XXXX and no one asked for my tax withholding status and no one asked me to fill out any forms, then in XXXX, I left the XXXX and taxes started being withdrawn from my account despite I am not subject to tax withholding due to my immigration status and a tax treaty with my country. I contacted them several times and sent XXXX XXXX forms twice, once in XXXX and again in XXXX when I came back to the US. I called in late XXXX to submit a complaint and they gave me case number XXXX tax dispute and when I followed up, there were no such case! I called again and the customer service representative gave me the branch number. I called the banker at the branch, and they acknowledged that me info was not taken correctly back then but they told me that there is nothing they can do for me until I come physically to the branch so that they can change my filing withholding information. I asked if I could do this virtually and they said no. I am in XXXX and there is no Wells Fargo branch that does not need a flight!!

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Subject : Request for XXXX XXXX Dear Credit Bureau, I hope this letter finds you well. I am writing to request a XXXX XXXX regarding my account with XXXX XXXX which has been closed and shows no negative remarks on my credit report. 

Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report. 

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, 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 2025-06-15 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-06-15 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Over the period I had an account with Citibank, I had a Mastercard. On several occasions I had to close the card and request a new card number because of erroneous charges by an unknown entity or entities. As this problem persisted and unbeknownst to me, I learned from Citibank themselves they keep the requested closed card number attached to the new card number allowing the old card number to be used on the new account. I was told this was to assist with making sure utility bills paid off the card are not skipped. The allowed the fraudulent charges to continue. When I disputed these charges and sent Citibank a list of the charges disputed, Citibank did nothing to remove the charges. Through several calls made it appeared through conversations with Citibank it appeared no one viewed the email although during my last call my email was FOUND. Citibank has now turned my card over to a collections company, impacting my credit. I don't mind paying what I owe... but I should not have to pay for fraudulent charges.

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 2025-06-16 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: M.A.R.S., Inc.
State: OK

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA 609 & 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). The company has failed to provide a signed contract bearing my signature, full accounting, and legal chain of custody verifying the debt.

Additionally, no permissible purpose under FCRA 604 has been established for reporting this debt. Continued reporting without verifiable proof constitutes willful noncompliance, which carries statutory damages under FCRA 616 and 617.

I am demanding this tradeline be permanently removed from all credit bureaus immediately.

If unresolved, I will escalate to the FTC, State Attorney General, and consider legal action for damages.

This complaint is being documented and archived for lega

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Marauder Corporation
State: OK

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA 609 & 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). The company has failed to provide a signed contract bearing my signature, full accounting, and legal chain of custody verifying the debt.

Additionally, no permissible purpose under FCRA 604 has been established for reporting this debt. Continued reporting without verifiable proof constitutes willful noncompliance, which carries statutory damages under FCRA 616 and 617.

I am demanding this tradeline be permanently removed from all credit bureaus immediately.

If unresolved, I will escalate to the FTC, State Attorney General, and consider legal action for damages.

This complaint is being documented and archived for lega

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-15 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-16 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: LA

Complaint narrative:
my information was leaked in a data breach, i am a victim of identity theft. Please remove these account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MO

Complaint narrative:
There are multiple instances of inaccurate information on my credit report, and I would like to have them removed from my credit report.

Outdated and incorrect addresses I'd like removed : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers who no longer associate with me : XXXX  Please update my credit report with the following correct and current personal information : - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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