vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
The attached FTC Identity Theft Affidavit reports separate fraudulent accounts appearing on my consumer XXXX credit report, which I do not recognize as reported and resulting from identity theft and fraud. These fraudulent accounts have resulted in fraudulent collections appearing on my consumer report. Most of these accounts have already been removed from my credit report due to fraudulent activity. However, I recently noticed that Experian has reported an account that was previously removed. This account is XXXX XXXX XXXX XXXX. Additionally, there are still some inquiries remaining on my report.I have addressed this matter several times with Experian directly with customer service and the XXXX department over the phone and I have uploaded many times all documents requested by them, such as the FTC report XXXX my driver 's license, and or social security card, but they have only fixed the issue partially. Consumer name : XXXX XXXX XXXX, social security number xxxxx XXXX, XXXX ). This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), additionally the Experian credit reporting agency after not receiving any verification method from the accreditors must delete any information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX Bank, Bank XXXX XXXX, XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital/Burlin XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finwise and XXXX XXXX, which XXXX XXXX inquiries appearing on my consumer XXXX credit report. I do not recognize the attempts mentioned above. The hard inquiries appearing on my consumer credit report were not made, or initiated by me. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, or 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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under 15 U.S.C. 1692g, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracyandintegrity.

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 2025-07-10 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 student loans was Breach of information, Violation of Higher Education Act, Violation of Privacy Act of 1974, Violation of FERPA They were taking off my other credit report but TransUnion.

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 2025-07-10 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Complaint Summary for CFPB : On or around XX/XX/XXXX, Central Portfolio Control ( XXXX ) reported a debt to the credit bureaus as {$500.00}, but during a phone call, their representative confirmed the actual balance was {$490.00} below the credit reporting threshold for medical debt under current CFPB guidelines. 

I disputed the debt and requested : Written validation of the debt, including a breakdown of charges The name and contact information of the original creditor Documentation proving XXXX is authorized to collect the debt Confirmation of the actual balance owed In response : They admitted they do not have the original creditors name or contact info, only a vague LLC name. 

They claimed they were not allowed to give me the creditors identity which violates FDCPA 1692g ( a ) ( 2 ).

They told me they could not email validation because they have no control over how it gets sent.

They admitted the debt was reported to the credit bureaus before any validation was provided a violation of FDCPA 1692g ( b ). 

When I questioned the inaccurate {$500.00} listing, they claimed XXXX rounded up the number, and denied responsibility for the incorrect reporting despite the tradeline showing Central Portfolio Control as the furnisher. 

I also contacted my healthcare provider directly, and they confirmed they have no record of any outstanding debt in my name. This calls the legitimacy of the debt itself into question. 

To make matters worse, XXXX offered to settle the debt for {$250.00}, which reinforces my concern that the debt is not valid and that this XXXX be a scare tactic, used to pressure payment without proper documentation. This feels coercive and violates the spirit and possibly the letter of the FDCPA. 

The XXXX has refused to : Provide documentation Confirm the source of the debt Correct the reporting with XXXX  Violations Include : FDCPA 1692g ( b ) : Reporting and collecting on a debt without first validating it FDCPA 1692g ( a ) ( 2 ) : Refusing to disclose the original creditors identity FDCPA 1692e ( 2 ) ( A ) & 1692e ( 10 ) : Misrepresenting the amount owed and making deceptive statements about how the tradeline was reported CFPB Medical Debt Policy ( XXXX ) : Reporting a medical debt under {$500.00} Failure to respond to written dispute or provide validation Possible coercive tactics by offering to settle an unvalidated debt and suggesting XXXX  was responsible for rounding up I am requesting that this debt be fully investigated and removed from my credit report, and that XXXX be held accountable for violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b"I completed two wire transfer forms on the Wells Fargo web site at around XXXX PDST  on XXXX. Both transfers got held up the Wells Fraud Dept., but, by XXXX I got their concerns resolved. I believe the funds got sent around XXXX EDST on XXXX\nThe first wire for $XXXX  was to come from my (XXXX XXXX) company's checking account XXXX XXXX XXXX) and go into my XXXX XXXX  account (XXXX) through XXXX XXXX. The second wire for $1XXXX was to come from my (XXXX XXXX) company's checking account (XXXX XXXX XXXX) and go into my son's (XXXX XXXXXXXX XXXX XXXX  account XXXX) through XXXX XXXX There's the rub, after 10 days and after 16 hours of tracing on my part, neither I, or Wells Fargo, or XXXX can find where my $XXXX  is now. It was successfully transferred out of the XXXX XXXX XXXX XXXX  checking account but just where it went is a mystery. The best I can get out of Wells Fargo is that, if I'll pay for a trace, they'll try to track it down within 10 days (I agreed to pay the tracing costs).\n\nAnd then there is my $XXXX invoice to deal with."

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 2025-07-10 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: OH

Complaint narrative:
So these hard inquires on transunion I have been fighting to get removed for several months. Ive contacted the companies to try and get them removed. I have sent letters to transunion that these accounts Under FCRA 605B, I did not authorize these accounts. The accounts must be removed immediately. No written consent was given, and this has been reported to the proper authorities. My next step will be through the attorney generals office. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/year> I have spent hours trying to log in to my account to unfreeze my credit because I need to unfreeze for my new job to give me a corporate credit card. I have been unable to login and when I call the support number it tells me the same information over and over again and will hang up instead of connecting me to a human being. It is not recognizing my phone number on my account which is the only method of verification, so I literally can not access the account. the automated robot on the phone just sends me the same thing, and doesn't listen that I cant verify with phone. there is no way to talk to a human being that I have found and the robot refuses to connect me to a person even when I tell it that the info it gave me didn't help. we just go in circles of it giving me the same information.

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 2025-07-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reporting an unauthorized inquiry on my credit report. They ran a hard inquiry without my permission or consent. I do not recognize this. This inquiry is a result of identity theft or an error. 
I am requesting that the CFPB assist me in having the inquiry removed from my credit report and that the company provide documentation of how they received authorization to access my credit file. 


XXXX XXXX XXXX  Address XXXX XXXX XXXX  XXXX XXXX, OH XXXX Date of inquiry XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
On XX/XX/XXXX i submitted a dispute with Experian I spoke with a representative requesting a XXXX form which should be been created once i filed a dispute. The representative told me that they dont have a XXXX form to give me. On XX/XX/XXXX the account for XXXX XXXX XXXX  came back verified.

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 2025-07-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
Account XXXX Bank XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: ID

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been almost XXXX  days since Experian updated the balance of my XXXX XXXX XXXX card. When I contacted XXXX XXXX, they told me they reported the updated balance to Experian back on XX/XX/year>. Both XXXX  and XXXX  have the updated balance, but not Experian. When I called Experian, they said they haven't received the updated balance. Both Experian and XXXX XXXX are engaging in malpractice, as numerous consumers online are having the same issue, with Experian not updating XXXX  XXXX accounts every XXXX  days, or XXXX  XXXX not sending updated information every XXXX  days. I attached my XXXX statement to my Experian dispute, and it still has not been updated.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
Near the end of XXXX I checked my debit card balance and my card at XXXX XXXX XXXX  where my social security benefits were deposited. The screen said this card is locked and to call them which i did. The service representative said the address had been changed so we changed it to the correct address and i received a new card. However when I called them back to activate the new card the said i had to verify my identity which i did with my current ID front and back and my birth certificate and my social security card. I was told to step into my SSA office which I did but they did not know what it was XXXX XXXX wanted them to do. I called XXXX XXXX back and asked. No one will tell me what social security should do to help me. since then I have been in a continuous loop of calling XXXX XXXX, emailing verify me, getting a email back asking me to go to social security, going to social security, and calling them back. They received my social security deposits on the XXXX and XXXX of XXXX and i have yet to be able to use it. That is my only income because I am XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief