vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Personal XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC is reporting and/or attempting to collect an alleged debt on my credit report. This alleged debt is not mine, and I have never entered into any contract or agreement with LVNV Funding LLC. Additionally, they have failed to provide adequate proof that they own the alleged account or that I am legally obligated to pay it. 

Under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. LVNVs actions cause false and damaging information to remain on my credit reports.

Furthermore, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proper validation of a debt upon request, including proof of ownership and the original signed agreement. LVNV Funding LLC has failed to do so despite my requests, violating 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
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 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 2025-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I reviewed my XXXX XXXX XXXX XXXX XXXX XXXX Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-08-14 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: FL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-14 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: MA

Complaint narrative:
I am filing this complaint against all three nationwide consumer reporting agencies for continuing to report inaccurate and unverifiable information despite my formal disputes and demands for deletion under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I sent each bureau a formal dispute letter identifying specific violations and requesting the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). This statute clearly requires the credit reporting agencies to provide the method of verification within 15 days after my request. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX Auto Legal Violations by All Three Bureaus : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification within 15 days of my request.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently submit a dispute to TransUnion  and Equifax with all the required documents including drivers license and proof of address, but TransUnion denied investigation on my dispute using stall tactics or classified as '' frivolous " or " irrelevant ".

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting a complaint regarding inaccurate reporting of a XXXX XXXX bankruptcy on my credit report. 

Under 15 U.S.C. 1681c ( a ) ( 1 ) of the Fair Credit Reporting Act, no consumer reporting agency may report a bankruptcy case beyond the applicable reporting period. My XXXX XXXX bankruptcy ( XXXXXXXX XXXX XXXX  ) was filed on [ date ] and discharged on [ date ]. This exceeds the allowable reporting period. 

Despite my prior disputes with the credit reporting agency, the information remains. This constitutes a violation of the FCRA. I request the CFPB investigate this matter and require the credit reporting agencies to remove the obsolete entry 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 explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
XXXXI am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX  consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against EQUIFAX XXXXI am a victim of malpractice and broken laws based on the XXXX lawsuit against EQUIFAX .XXXXAnd Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies XXXX continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. XXXXAccounts Reported in Violation of Federal Law XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)XXXXAccounts reinserted without XXXX or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EQUIFAX  Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in JXXXX XXXX XXXX XXXX  for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to all 3 Credit Bureaus regarding XXXX XX/XX/XXXXand XXXX XX/XX/XXXXon them violating the CARES Act and Heroes Act. These creditors intentionally ignored the laws protecting the consumers during XXXX XXXX. I requested an investigation and was ignored. The 3 reporting agencies allow the corruption and refuse to acknowledge the laws. I was charged excessive amounts of money with XXXX XX/XX/XXXXeven when I have never been in debt to the creditors. I have always paid on time with XXXX XX/XX/XXXXand XXXX XX/XX/XXXX. I was started getting charged XXXX monthly when I was supposed to be protected. I disputed my creditors and they still ignored the CARES Act and went fwd on violating me and the laws.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to all 3 Credit Bureaus regarding XXXX XX/XX/XXXXand XXXX XX/XX/XXXXon them violating the CARES Act and Heroes Act. These creditors intentionally ignored the laws protecting the consumers during XXXX XXXX. I requested an investigation and was ignored. The 3 reporting agencies allow the corruption and refuse to acknowledge the laws. I was charged excessive amounts of money with XXXX XX/XX/XXXXeven when I have never been in debt to the creditors. I have always paid on time with XXXX XX/XX/XXXXand XXXX XX/XX/XXXX. I was started getting charged XXXX monthly when I was supposed to be protected. I disputed my creditors and they still ignored the CARES Act and went fwd on violating me and the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calvary portfolio services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request requesting validation of accounts for XXXX {$3100.00} and for a XXXX {$1300.00} On XX/XX/XXXX, a letter was sent asking them to remove the following increase from my credit report due to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Subject : Unauthorized Enrollment in Services by Wells Fargo Without Consent To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Bank for enrolling me in financial services without my knowledge or consent, in violation of both state and federal consumer protection laws. 
Specifically, I was enrolled in a service called Product Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and a second service from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I was not made aware of either enrollment until I received XXXX letters from Wells Fargo dated XX/XX/XXXXXXXX XXXX XXXX  nearly XXXX years after the services had ended. 
These actions were fraudulent, unethical, and have caused significant harm to my trust in financial institutions. I did not authorize these services, nor was I given any opportunity to opt out. Wells Fargos conduct has violated consumer protection statutes and has contributed to the broader scandal involving unauthorized accounts and services. 
I have already contacted the XXXX XXXX XXXX and Wells Fargos upper management regarding this matter. However, I have not received adequate resolution or compensation. I am requesting that the CFPB investigate this issue and ensure that Wells Fargo is held accountable for its actions. 
I am also seeking compensation for the damages caused by these unauthorized enrollments, including financial loss, emotional distress, and erosion of consumer trust. 




Thank you for your time and attention to this matter. I look forward to your response and assistance in resolving this issue. 













Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-08-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
HELLO GOOD AFTERNOON I HOPE ALL IS WELL MY NAME IS XXXX XXXX AND I NEVER USE MY CREDIT ESPECIALLY IN XXXX I was A MINOR AND ALSO A victim of identity theft I learned that in XX/XX/year> a dealership I dont know which exact one because I was not there at the time of this transaction when it happened but what I do know is somebody took a auto loan out in my number under SANTANDER BANK THAT I XXXX XXXX XXXX NOT HAVE ANY KNOWLEDGE OF OR AUTHORIZED since I never use my credit I had no knowledge of this transaction or anything of this because I never check my credit years later I check my credit and it says i have a closed auto loan account that I had NO knowledge of the account number for that UNAUTHORIZED ACCOUNT IS XXXX XXXX PROVIDED BY REPRESENTATIVE WITH THE LENDING BANK SANTANDER THEY SAID I HAD THIS ACCOUNT FOR XXXX XXXX XXXX XXXX  AND I HAD ANY KNOWLEDGE OF THIS and that I owed {$23000.00}. I NEVER HAD A CAR IN MY LIFE I DONT EVEN HAVE A DRIVERS LICENSE To drive a car please somebody look into this please Im young XXXX XXXX XXXX my life is just getting started I dont know why somebody would take advantage of me especially while I was XXXX yrs old with no knowledge of any of this. 
Down below is who I called today to get more information on this SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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