vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
XXXX late XX/XX/year>, I submitted a formal dispute to Experian XXXX requesting corrections to multiple inaccurate public records and business information being reported on my companys business credit file. 
My initial dispute was submitted on XX/XX/year>, and Experian confirmed receipt on XX/XX/year> with a dispute reference number XXXX, no resolution. Then sending in ANOTHER dispute for the same issues on XX/XX/year>, and Experian confirmed receipt on XX/XX/year>. Assigning dispute case number XXXX on XX/XX/year>. I later received notice on XX/XX/year> that the dispute was still Request is received and logged, pending assignment to agent.. 
Despite providing Experian with all requested documentation, none of the inaccurate information has been corrected. Experian continues to report : A terminated XXXX filing as active Incorrect NAICS and XXXX codes, including duplicate and outdated classifications Incorrect Registered Agent information Incorrect number of employees Incorrect or outdated annual revenue Incorrect business phone number Public record details that do not match official state filings Experian has all required documents, including corporate filings, XXXX termination proof, and verification of updated business information, yet no updates have been made. 
These inaccuracies are actively harming my companys ability to obtain commercial auto financing and other essential business credit. 
I contacted Experian by phone on XX/XX/year>, and was told that corrections could take XXXX weeks, which is unreasonable given that the information is factual, verified, and supported by official documentation already provided. 
I am requesting that CFPB require Experian to : Complete a reinvestigation Correct all inaccurate public record and business information Remove or update the incorrect XXXX filing Update the business classification, agent, employee count, revenue, and phone number Provide written documentation of the results Experians failure to properly update the business credit file after a valid dispute is causing financial harm and preventing access to needed credit.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer report and found multiple accounts being reported without my express authorization or verifiable consent. This disclosure of my non-public personal information for reporting purposes constitutes an unwarranted violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( Permissible Purposes ). The XXXX ( XXXX ) disputed accounts are : XXXX ( Collection/Charge-Off ), XXXX accounts from XXXX XXXX XXXX  ( Closed, XXXX with a {$0.00} Balance and XXXX with a {$5000.00} Balance ), and XXXX XXXX ( Charge-Off, {$2500.00} Balance ). I have filed an official report with the Federal Trade Commission ( FTC ), reference number XXXX, as required by law, and have sent a formal dispute letter to the bureau. This situation is negatively impacting my ability to secure financing. I request your immediate intervention to enforce the FCRA 's legal requirements : Please block or delete these XXXX ( XXXX ) accounts immediately from my credit report as required by the FCRA ( 15 U.S.C. 1681c-2 ), supported by the attached FTC Report 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 non-monetary relief
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I apply to or engage with any of these entities. I am in absolute disbelief that this was allowed to happen, violating my rights as a consumer. It is deeply insulting and unacceptable, especially as a law-abiding citizen who takes my credit and personal information seriously.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
There was an unauthorized attempt to open a Barclays XXXX XXXX XXXX XXXX XXXX XXXX in my name. 

There were also XXXX unauthorized pings on my credit report on XX/XX/year>. 

XXXX. XXXX XXXX XXXX. Barclays Bank Delaware

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 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I am reporting an inaccurate and incomplete tradeline being furnished by Ally Financial on my credit reports. The account is closed, but it is being reported with multiple errors. The tradeline shows Worst Status : Unknown, which is not a valid status code and makes the information incomplete and unverifiable. The account also shows a balance even though it is closed, inconsistent dates between the closed date and the reported date, and a derogatory status without any supporting payment history. 

These issues violate FCRA 602, 603, 607 ( b ), 609, 611, and 623 because the information is not accurate, complete, or verifiable. I disputed the account with the credit bureaus, but the information was not corrected. I am requesting that this tradeline be fully investigated and deleted due to the inaccuracies, inconsistencies, and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is reporting inaccurate information on my credit file. The balance reported ( {$4100.00} ) is higher than the highest balance ever recorded ( {$3600.00} ). The report also shows that I have paid 15 % of the loan, which is impossible and indicates incorrect reporting. A missed payment is also showing, but due to the errors, I can not determine whether the delinquency is accurate. I have contacted the servicer but the issue has not been corrected. I need CFPB to investigate and require correction or removal of all inaccurate data.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting inaccurate information on my credit file. The balance reported ( {$4100.00} ) is higher than the highest balance ever recorded ( {$3600.00} ). The report also shows that I have paid 15 % of the loan, which is impossible and indicates incorrect reporting. A missed payment is also showing, but due to the errors, I can not determine whether the delinquency is accurate. I have contacted the servicer but the issue has not been corrected. I need CFPB to investigate and require correction or removal of all inaccurate data.

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 2025-12-09 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am exercising my rights underthe Fair Credit Reporting Act ( FCRA ) 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which requirecredit reporting agencies to ensure maximum possible accuracy, verify all furnished information, and conduct acomplete and lawful reinvestigation whenever a consumer identifies potential discrepancies. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am exercising my rights underthe Fair Credit Reporting Act ( FCRA ) 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which requirecredit reporting agencies to ensure maximum possible accuracy, verify all furnished information, and conduct acomplete and lawful reinvestigation whenever a consumer identifies potential discrepancies. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXXI deposited a check wth the amount of XXXX from my husband via atm. They help help the check until XXXX XXXX due to concerns with signature. Once I called his bank I was told Wells Fargo has already taken the money from his account. I called back. No one could explain to me how the money had been drafted to his account but not put into mine. Nor what was wrong with the signature except it was suspicious. Oh my husbands also on some of my Wells Fargo accounts. I also had to request a new debit card due to fraudulent charges. It says it was delivered on the XXXX but its now the XXXX and its no where to be found. I called again explaining all my auto draft bill would be coming through because it was the first. XXXX Wells Fargo employee told me it was just unfortunate and an other said she was submitting a claim. I received a claim number but no email no returned call no nothing. Its like it was never submitted. Now here I am with no way to pay and no card number to input on my bills resulting in late fees. Can someone please help me understand how this all happened and why am I being held responsible?

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 monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
can you send validation of debt in writing. please including the original agreement / full payments history and the full chain of custody or cease all collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

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 2025-12-09 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I received a phone today from XXXX XXXX XXXX XXXX XXXX XXXX stating there is a lawsuit in progress in XXXX XXXX for Ace Cash Express for a loan obtained in XXXX, which I never received any mail or phone calls recently regarding this. I actually thought this account was settled.He asked if I could settle this account for XXXX today and I told him no, then I asked for a contract to be emailed to me so I could investigate this matter and make sure this is legit since it has been XX/XX/XXXX years. XXXX XXXX that represents XXXX XXXX XXXX XXXX XXXX told me the contract would be in the discovery packet. I looked up to see if this was legit for them to sue for an outrageous amount. I found it said to file a complaint if they are harassing to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving a fake personal shopper. I sent a XXXX payment from my Bank of America checking account for an item. A few days later, the scammer falsely claimed I needed to send an additional deposit that cost more than the item before they would release tracking information. I refused and realized I had been deceived. The personal shopper was no longer responding to my messages including a request for a refund. 

I filed a fraud claim with Bank of America and provided screenshots showing that the transaction was induced by fraud and misrepresentation. Despite this clear evidence, Bank of America denied my claim and stated that the transfer was authorized, even though it was authorized under false pretenses. 

I am requesting that Bank of America re-review the claim as fraud, not a purchase dispute, and provide reimbursement for the XXXX transaction of {$40.00} sent on XX/XX/year>.

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 monetary relief