vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/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 explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$3000.00} Reason : This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
2. Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$2200.00} Reason : This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit 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 2025-09-04 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: OH

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Und

er 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-09-04 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
In the months of XXXX, XXXX, and now XXXX, XXXX has added unnecessary and inaccurate remarks each time my payment is reported. As a result, my credit score has dropped between XXXX points monthly. This repeated negative reporting is not only unjustified but also unlawful under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that information furnished to credit bureaus be accurate, complete, and not misleading.

I have reached out to XXXX directly in good faith, but my concerns have not been addressed. I have not received an explanation of what is being reported or why these remarks continue to appear. Additionally, the credit bureaus have failed to provide clarity or corrective action, despite their legal obligation under FCRA 611 ( 15 U.S.C. 1681i ) to investigate disputed information and remove or correct inaccuracies within 30 days. 

This issue is not minor, it is materially affecting my financial stability and opportunities. Each incorrect remark impacts my ability to refinance existing credit, secure favorable loan terms, and maintain financial aid related to my collegiate studies. It also jeopardizes my professional opportunities, as many employers now review credit histories as part of their hiring process. These consequences represent clear and measurable harm caused by inaccurate credit reporting. 

Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, furnishers like XXXX are required to implement reasonable procedures to ensure accuracy. Their failure to do so constitutes a violation of consumer protection standards and places undue burden on me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
In the months of XXXX, XXXX, and now XXXX, XXXX has added unnecessary and inaccurate remarks each time my payment is reported. As a result, my credit score has dropped between 30100 points monthly. This repeated negative reporting is not only unjustified but also unlawful under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that information furnished to credit bureaus be accurate, complete, and not misleading. 

I have reached out to XXXX directly in good faith, but my concerns have not been addressed. I have not received an explanation of what is being reported or why these remarks continue to appear. Additionally, the credit bureaus have failed to provide clarity or corrective action, despite their legal obligation under FCRA 611 ( 15 U.S.C. 1681i ) to investigate disputed information and remove or correct inaccuracies within 30 days.

This issue is not minor, it is materially affecting my financial stability and opportunities. Each incorrect remark impacts my ability to refinance existing credit, secure favorable loan terms, and maintain financial aid related to my collegiate studies. It also jeopardizes my professional opportunities, as many employers now review credit histories as part of their hiring process. These consequences represent clear and measurable harm caused by inaccurate credit reporting. 

Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, furnishers like XXXX are required to implement reasonable procedures to ensure accuracy. Their failure to do so constitutes a violation of consumer protection standards and places undue burden on me as a consumer.

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 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am requesting the CFPBs urgent assistance with an invalid collection being reported by Credence Resource Management for {$77.00}, Original Creditor : XXXX XXXX XXXX. 

This account was reported on XX/XX/year>. 

XXXX XXXX XXXX confirmed that my balance was {$0.00} when I transferred service. 

I was never billed or made aware of any past-due balance. 

I continue to have active XXXX XXXX XXXX services. 

Because there was never a balance owed, this collection is inaccurate and violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Reporting a false collection damages my credit standing and is causing immediate harm, as I am in the process of securing bank funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Please see attached document. I filled out this box to detail and it was erased while I was uploading documents to the third block. 
The dates were as follows, On XX/XX/XXXX I purchased a suit from XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I paid the invoice for the purchase of {$490.00} through XXXX XXXX with Wells Fargo. 
On XX/XX/XXXX I received a late notice notification from XXXX XXXX XXXX XXXX XXXX that the payment had not been paid. 
On the same day I called the XXXX customer service dept. and told them I had made the payment and had proof of payment. They asked if I could send it to them and I did while we were on the phone. She reviewed the check proof of payment and stated that the check was to XXXX XXXX  XXXX XXXX XXXX not to Imprint Payments. She understood the mistake and stated if I would pay the payment within XXXX days that they would remove all late fees. 
I went to my Wells Fargo Bill Pay account and changed my bill pay XXXX information from the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX to the new payee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( note : The old payee was still XXXX XXXX, XXXX, XXXX ). 
The check from bill pay had been sent to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I had never authorized anyone from Wells Fargo or Wells Fargo bill pay to change the bill pay payee information. 
I have repeatedly tried to resolve this issue to no avail.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, Equifax, XXXX  ) for reporting and maintaining inaccurate and duplicate account information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The same account is being reported multiple times with contradictory information, including : Reported as both Charge Off and Open at the same time. Payment history listed as 100 % on-time in one entry, and 0 % on-time with late payments in another. Duplicate tradelines reporting the same balance of {$930.00}, making it appear as if I have more derogatory accounts than I actually do. Conflicting dispute comments appear, but the bureaus and XXXX continue furnishing this inconsistent data. This reporting is factually inaccurate, misleading, and unfairly damaging my credit profile. Violations : FCRA 15 U.S.C. 1681e ( b ) : Requires CRAs to ensure maximum possible accuracy of consumer information. FCRA 15 U.S.C. 1681i : Requires reinvestigation and correction/deletion of inaccurate or unverifiable data. FCRA 15 U.S.C. 1681s-2 : Prohibits furnishers from reporting information they know is inaccurate. FDCPA 15 U.S.C. 1692e & 1692f : Prohibits false, misleading, and unfair representations in debt collection, including credit reporting. Requested Resolution : I am requesting that the CFPB require the following corrective actions : Immediate deletion or correction of the duplicate and inconsistent account entries by the credit bureaus. Cessation of inaccurate reporting by XXXX XXXX XXXX XXXX XXXX XXXX. Written confirmation from all parties that these tradelines have been corrected or removed. Investigation into XXXX continued practice of furnishing false, misleading, or duplicate data to the credit bureaus. I have attached supporting documentation, including : A copy of my credit report highlighting the duplicate and conflicting entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken. 

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: VA

Complaint narrative:
b"On XXXX XXXX, I received an email allegedly from my ex wife to check out some old photos from the 1990s. I opened the attachment and my computer then exploded with noise, sirens, etc. At bottom of the email a Microsoft Support phone number XXXX XXXX XXXX  was provided to assist to unfreeze my computer. At the time I had just been diagnosed with XXXX XXXX  and was out of sorts on medication. I phone the number and XXXX, allegedly a XXXX  support technician stated that my Discover bank savings account was hacked and 2 wire transfers were made on XXXX XXXX for XXXX and XXXX to XXXX XXXX. Another transfer for XXXX was cancelled on XXXX XXXX He asked me for Discover's customer service phone number. He then called them and put me on the line with their alleged fraud department. Their rep, XXXX XXXX  stated they could stop the transfers and freeze my existing account. I needed to wire transfer my savings account balance in installments to a new Discover Savings account, which I did. The first wire transfer was for XXXX  and the balance to be paid later. He gave me his phone number XXXX XXXX XXXX and asked me to call him back later in the day to transfer the balance,\nAs soon as I did this, I realized I was scammed. Once I got confirmation that a wire transfer of XXXX indeed had been made on XXXX XXXX. I called the Discover Bank disputes and fraud investigation department XXXX XXXX XXXX. They confirmed that the wire transfer had been made to a bank in XXXX XXXX  and they would look into getting the funds back.They would freeze my numerous accounts in the meantime. That same day on XXXX XXXX, another bank of mine, XXXX  notified me that a XXXX wire transfer out of my checking account had been initiated. I contacted them immediately and they were able to retrieve the wire transfer and freeze all my accounts. It took over a month to get all my accounts with both banks closed and reopened with new account numbers and passwords. I had to contact Social Security, my pension provider, an annuity and brokerage accounts to stop electronic deposits to my old bank accounts and then set up new ones with them.\nDiscover Bank has had no luck so far in retrieving the stolen funds and have not been clear on what recourse I have with them. I am XXXX  years old and still have my wits about me, but really feel naive in being duped by these phishing thieves, pretending to be XXXX  Support and Discover Bank. How can you assist me. XXXX  did, but Discover bank has not."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I had a payment due with shellpoint mortgage for XXXX. They offered me a payment plan which would allow me to skip this payment to catch up on finances since I was in good standings. I specifically asked if I accepted this plan would the payment be reported as late and was assured it would NOT. I also received EMAIL confirmation XXXX weeks later of this. I then accepted the plan and paid the next month as expected and this month I have a 30 day late on my report, I called and customer service verified I was correct and would take this matter to loss mitigations.

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