vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal 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 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 2025-08-05 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 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 2025-08-05 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: MN

Complaint narrative:
XXXX XXXX XXXX bought a old credit card debt from XXXX  XXXX. 
The date of default is not correct and this is a time barred debt. I have filed a XXXX  complaint and a credit reporting dispute only to have XXXX XXXX XXXX not tell them the correct date I have even contacted XXXX  XXXX and got a letter from them about the debt and XXXX XXXX XXXX is still trying to lie about the date of default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
I am disputing several accounts listed on my credit report that I did not authorize, open, or manage. These accounts were reported without my consent and do not reflect my actual financial history.

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 2025-08-05 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: CA

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 PDF 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX my motorcycle loan with Navy Federal was paid in full and closed out on XX/XX/XXXX. I received a derogatory mark on my Credit profile stating that Navy Federal has reported a delinquency I have not had any Late payments I then reached out to Navy Federal spoken to several supervisors at they all gave me three different answers which none helped or resolve the issue nor was informative. Each representative seem confused on how my account reached that status being that I have not one late payment They each suggested for me to take up at the Credit barrels and they will find the inaccuracy and remove it iv checked all my barrels reports and none show any delinquencies on the payments. 
upon trying to rectify the situation. I called XXXX XXXX and was met with nothing but rude, disrespectful and belittling supervisors. When all I was attempting to do is get a understanding on what happened to my account a supervisor by the name of XXXX XXXX I spoke to on XX/XX/XXXX She was very disrespectful rude. None informative speaking over me twisting my words around treating me as if I was annoying her, and she told me that this conversation is not productive. Im requesting for that call to be pulled and reviewed due to the lack of professionalism and poor conduct that was conducted on that call. She withheld information that I had rights to know she would not look into my account. She was 100 % not helpful. being that XX/XX/XXXX was a Sunday I had to wait until XX/XX/XXXX, which is a Monday to contact collections yet again I was met with a rude and disrespectful supervisor very arrogant not informative. Im requesting that call to be pulled and reviewed in an apology on the companies behalf for this experience this whole ride with Navy Federal has not been the best experience. I join Navy Federal within intentions of having a secure credit card turned into a non-secure credit card Navy Federal never graduated it with no explanation I had spoke to a loan specialist in XXXX in regards of getting a vehicle. He gave me false information and led to a hard inquiry on my account now for the grand finale I make consecutive payments and then pay off my motorcycle loan instead of rolling out the red carpets. Im getting sand kicked in my eyes looking forward to be hearing from someone soon in regards of this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with Capital One over a problematic transaction. I submitted all required documentation quickly and in full, including follow-up materials when requested. 

Despite complying at every step, Capital One has repeatedly mishandled my case. Ive been forced to correct basic details ( such as the nature and scope of the dispute ) multiple times, yet those corrections are never properly reflected in their records. Ive also been asked to submit things that should reasonably fall under the banks responsibility to obtain, such as the merchants return policy. 

Every time I call for an update, Im given vague or conflicting information, such as being told this claim would be handled within XXXX business days, calling after XXXX business days and being told that it will be another XXXX business days, calling again to be told my the supervisor that it will take upwards of XXXX months, and then calling again after sending in additional documentation and being told it will be handled by the end of the week. and Im told the investigation is ongoing without any clarity or accountability. Ive asked for escalation and been dismissed or ignored. One supervisor went as far as to tell me to " quit calling and wait for an email from the resolution team. '' Ive now been waiting nearly a month, despite sending all of the information to Capital One within hours of the request. 

I am requesting immediate review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information related to billing and reporting errors currently reflected on my credit report. These inaccuracies are having a harmful impact on my credit standing and appear to be in violation of the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), which mandates that creditors must report payments and credits accurately and in a timely manner.

The issues I am disputing include : Payments I made that were not properly recorded or credited Clear calculation errors in the reported account balances Failure to provide the required 21-day notice before payment due dates, rendering any associated late payment marks invalid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I was in a debt consolidation program, national debt credit relief. My prosper credit cards-we settled for the amount of {$790.00} amongst XXXX payments for XX/XX/XXXX, XXXX {$25.00}, XX/XX/year> for XXXX & XX/XX/year> for XXXX. I made all of the payments for the agreement. Prosper credit card still reported late payments to the credit bureau as if I did not make any payments for the months of XXXX, XXXX, or XXXX. That has taking a great big hit on my credit and now it seems as if Ive been late for XXXX days late which is inaccurate. I tried disputing with XXXX, XXXX  XXXX XXXX  because the information is inaccurate-it still remains on my credit report as being accurate per Prosper. I did a reinvestigation & sent in the documents showing I made payments & they still have it listed as being accurate.

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 2025-08-05 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: GA

Complaint narrative:
According to 15 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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. I don't have a purchase agreement with you. I have not given you a written consent to document or save my information in your database system. Please provide me the purchase agreement between me and your company. Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. If you do not have one, IT IS AGAINST THE LAW!

Documents requested : 1. Purchase agreement 2. Chain of Assignment 3. Forward Flow Agreement 4. Assignment Contract Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. Please provide my signed letter from the third-party company or companies who your company or affiliates, and representatives use to validate my information for your investigation ( s ), database, furnishing, inputting, storing, or for sharing to buy or sell without my permission. Please provide an updated copy of my credit report. 


Please remove my information immediately and do not report personal or inaccurate information to the credit bureaus. Your company has violated my privacy, and I will sue your company for breaking the law. Please provide me an updated credit report reflecting the accounts and inquiries removed. 



This letter will be kept for possible court evidence if noted accounts are not removed and information provided by LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information related to billing and reporting errors currently reflected on my credit report. These inaccuracies are having a harmful impact on my credit standing and appear to be in violation of the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), which mandates that creditors must report payments and credits accurately and in a timely manner.

The issues I am disputing include : Payments I made that were not properly recorded or credited Clear calculation errors in the reported account balances Failure to provide the required 21-day notice before payment due dates, rendering any associated late payment marks invalid

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

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.

15 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 2025-08-05 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:
I discovered that my personal information was compromised in a national data breach. After reviewing my credit reports from Equifax, Experian, and TransUnion, I found multiple accounts and inquiries that I'm not familiar with. 

I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and submitted written disputes and requests for validation of these accounts to all three credit bureaus. To date, I have not received sufficient documentation or confirmation that these accounts are valid or belong to me. 

Because my personal data was exposed, I filed an identity theft report with the Federal Trade Commission ( FTC ) and have taken proactive steps to protect my credit and identity. 

I am requesting that all fraudulent accounts and inquiries be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which protects identity theft victims from continued reporting of unauthorized information. 

Supporting documentation is attached, including : A copy of my government-issued ID A copy of my FTC Identity Theft Report A copy of the XXXX XXXX XXXX ( NPD ) notification showing my data was compromised A copy of the debt validation letter sent to each bureau I respectfully ask the CFPB to review this matter and ensure that the credit bureaus comply with their obligations 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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Formal claim against Wells Fargo for abusive practices Dear gentlemen of the CFPB and XXXX, I am writing to you to report Wells Fargo Bank, N.A., for incurring abusive and misleading banking practices that have directly harmed the operation of my company, XXXX XXXX XXXX XXXXXXXX XXXX, registered in the state of XXXX XXXX 

On XX/XX/year>, I made a deposit of {$12000.00} in my business account ( ... XXXX ). However, the bank not only withheld the funds without a valid explanation, but subsequently reflected a negative " available balance '' of - {$18000.00}, which is completely illogical, intimidating and does not correspond to any actual transaction or movement authorized by my company. 

This type of behavior evidences a systematic behavior of financial obstruction that puts at risk the viability of small businesses like mine, and can constitute a form of coercion, balance sheet manipulation and intentional economic damage. 

I attach screenshots and evidence of these actions. I demand that this case be investigated, that the immediate release of funds be ordered, the false balance be corrected, and sanctions against Wells Fargo be established if malpractice is determined. 

I appreciate your attention and remain at your disposal to provide any additional documentation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXX ] Phone : [ 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