vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
This account has been reported in error and is not mine.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
In the year XXXX, my husband and I filed for chapter XXXX bankruptcy. We listed a company called XXXX in our debts old and when we went to the court hearing this company did not show up for the hearing and the XXXX debts to this company XXXX were XXXX. After the bankruptcy was XXXX the company XXXX sold our accounts to XXXX different debt collection agencies. One of the agencies was XXXX XXXX and the other was called Galaxy International. I disputed this discrepancy and inaccuracy with all three credit bureaus more than XXXX plus times. I also sent the credit bureaus supporting documents that this debt had been XXXX and that it was illegal to go against the bankruptcy discharge orders and sell this account to a XXXX party to collect this debt. All of my efforts were futile. I continued to receive harassing emails and letters from both companies XXXX XXXX and Galaxy International to collect on this debt. I advised them several times to contact my bankruptcy attorney, XXXX XXXX and also gave his office information along with his office address but I continued to be contacted. I am now putting in a complaint because I know my consumer rights and this company is reporting these accounts on my credit report and it is damaging and hurting my family and we are not able to make necessary purchases. I also have supporting documents to show that these two accounts have been deleted from my credit report at one point and now they are reappearing which I also believe violates my Consumer rights. I am asking that you please remove these two XXXX originated accounts from my credit reports permanently and expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I am writing to dispute the following negative entries on my Equifax credit report which are inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA 611 and 607 ), Fair Debt Collection Practices Act ( 809 ), Uniform Commercial Code ( UCC Articles 3 and 9 ), and Metro 2 data reporting standards.

* * 1. XXXX XXXX XXXX * * - Balance : {$240.00} - Date Opened : XX/XX/XXXX - Issue : Medical collection without validation, in violation of 15 U.S.C. 1692g ( FDCPA ).

* * 2. XXXX XXXX XXXX * * - Balance : {$1100.00} - Date Opened : XX/XX/XXXX - Issue : No signed contract or itemized validation provided. DOFD inconsistencies possibly exist per Metro 2 2.

* * 3. Inquiry Not Tied to Any Positive Account : * * - XXXX XXXX XXXX  - XX/XX/XXXX Given the XXXX XXXX  data breach and the prior Equifax breach, I am requesting immediate deletion if the account can not be verified to the standard of maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
This letter is a formal dispute regarding inaccurate, outdated, and unverifiable information listed on my TransUnion credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ). This includes violations of Metro 2 compliance standards and data accuracy requirements as outlined under FCRA 607 ( b ), 611 ( a ), and related sections.

I am requesting immediate investigation and deletion of the following : * * 1. XXXX ( XXXX XXXX XXXX ) * * - Account Type : Collection - Balance : {$720.00} - Date Opened : XX/XX/XXXX - Issue : No validation of debt provided, potential re-aging of DOFD, violates Metro 2 Account Status standards.

* * 2. Inquiries Not Associated With Any Open or Positive Account : * * - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX These inquiries are not linked to any open accounts and constitute unauthorized access under FCRA 604 ( a ) and 615, especially given the XXXX  and TransUnion data breaches, which increase identity theft risk.

You are required under FCRA 611 ( a ) to conduct a reasonable reinvestigation and under 607 ( b ) to maintain maximum possible accuracy. If the information can not be fully verified with supporting documentation, it must be deleted immediately.

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 2025-10-24 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have a XXXX  card with American Express and a XXXX XXXX  card with American Express. I have had both of these cards for many years. I entered XXXX XXXX with the XXXX XXXX on XXXX XX/XX/year>. I remain on XXXX XXXX in a voluntary indefinite status. I had these cards on that date, and my XXXX  card had a balance owed on that date. Starting in XX/XX/year>, I began contacting Amex to apply the SCRA benefits to my accounts. I provided them with a copy of my military orders showing that I was on XXXX XXXX as of XXXX XX/XX/year> in the method they requested. They did not take action in my requests after I provided my orders to them twice. I then filed a complaint with CFPB, and AMEX responded back to my complaint with a refund/credit to my account. They did not, however, correct my interest rate to less than 6 % as required by SCRA. I am currently receiving an interest rate of approximately 25 % and have been being charged interest in excess of what is allowable under federal law. It only takes a few moments for AMEX to review my military orders and verify their accuracy with the website maintained by the Department of Defense for this purchase. Because they have failed to comply with federal law, I have spent needless hours on the phone with their customer service representatives along with filing these two separate complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had to take out XXXX dollars of cash from my credit cards. 
I was forced to take this money out of my credit cards by a fee fraud called XXXX XXXX. 

This amount I was told I had to come up with right away and I would get my money back from this fee fraud scam XXXX XXXX. 

I had to ask the banker at XXXX MN Wells Fargo how I can get XXXX dollars right away. 

They told me I could take out the cash from my credit cards. 

I was forced and deceived to take out this amount by a fee fraud scam. 

I am citing Section 1005. 11 of Regulation E.

I believe Wells Fargo did not do a proper investigation into why I took the cash out of my credit cards.

I would never want to or even know that you could take the cash out of your credit cards. This is not something I would ever do or have ever done. I was forced to do this with the promise that if I pay the scammers fees I would finally get my money back that they held. 

I have reports with the FBI, SEC, FTC XXXX XXXX XXXX XXXX MN Police, and Attorney General proving this fact that I was forced to take out XXXX from my credit cards.

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 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I believe that I am going through the correct process but I believe that I am a victim of Identity Theft. 

On XX/XX/XXXX, I was alerted of a Credit Inquiry from my bank ( XXXX XXXX ) against me by the Department of Education. After looking into it and regaining access to my StudentAid account and found that a FASFA was submitted in my name for XXXX XXXX University. I am not a student there and will not be attending there. The FASFA for XXXX XXXX University was submitted on XX/XX/year> and approved on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
I am very upset to see that these inaccurate accounts are still on my credit report and nothing has been taken off. I am begging for the documents I included to be examined carefully so I can finally stop living in constant fear of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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