vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I demand these payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I demand these payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE.

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Patient was transferred to XXXX XXXX XXXX XXXX in XXXX AZ for higher level of medical care. XXXX XXXX had XXXXXXXX XXXX XXXX XXXX  so XXXX funds were obligated for copayments on referral XXXX. First letter was sent to XXXX on XX/XX/year> from XXXX health Service. Another letter was sent on XX/XX/year>. A third letter was sent on XX/XX/year>. A collection letter from XXXX was received and a no liability letter was send requesting claims and explanation of benefits as XXXX  sent an itemized bill stating the debt was the patient 's. But no response and patient is getting text messages about this bill now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IA

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX XXXX credit card. The representative I spoke to told me it would be a soft pull for a credit limit increase. I applied online and it told me I was declined and within a few minutes, I got a notification that Equifax had put a hard inquiry on my report. I called back and spoke to another representative and she could not understand what I was saying, and kept transferring me to the collection department. I got frustrated so I wrote a letter and mailed it. On XX/XX/XXXX, I received an electronic letter saying they couldnt help me by Mail that I would have to call in. I was transferred about three different times and when I finally got a supervisor, he told me that it says it in the terms and conditions when you first open the card. So basically theyre saying it was hidden. He was kind of rude and he told me to go ahead and file a complaint with the Cfpb. So thats what Im doing because I dont feel it is fair for them to pull my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$3400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card with Wells Fargo on XX/XX/year> ( Application Reference Number : XXXX ). 

On XX/XX/year>, I visited a Wells Fargo branch to check the status of my application. The employee made a phone call and then told me that the bank would contact me by mail with instructions to submit income verification. 

However, I never received any mail, emails, or phone calls from Wells Fargo. 

On XX/XX/year>, I received a letter from the bank stating that my credit card application was denied. 

I was never given the opportunity to provide the required income documents, despite being told to expect instructions. 

Additionally, this application resulted in a hard inquiry on my credit report. Since I was not allowed to complete the process, I am requesting that Wells Fargo remove the hard inquiry and provide an explanation of what went wrong. 

I believe the handling of my application was unfair and unprofessional.

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 2025-07-01 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: IN

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Reinvestigation and Termination of Inaccurate Accounts I am requesting a formal reinvestigation into the accounts that were previously disputed but not properly removed from my credit report. If you can not provide full documentation of all prior disputes and verification records related to these accounts, I am demanding immediate termination and deletion of all associated accounts.

Failure to validate and correct this information is a violation of the Fair Credit Reporting Act ( FCRA ). Please confirm your reinvestigation and provide written results or remove the accounts immediately.

Thank you.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX ( COB ) Subject : Formal Complaint Against Equifax for Reporting Inaccurate Information Dear XXXX XXXX XXXX, I am filing this formal complaint against Equifax Information Services LLC for reporting inaccurate and damaging information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 



Details of Inaccuracy : Equifax is reporting my account as 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX ( as shown in the attached screenshot ), which is inaccurate. I have documentation proving this account was paid on time, and these late payment notations are false. 

Despite multiple disputes filed through XXXX XXXX, Equifax has refused to correct these inaccuracies and continues to report this incorrect data, which is negatively impacting my credit score and financial opportunities.

Evidence : Screenshot from Equifax portal showing the inaccurate 60 in XX/XX/XXXX and 90 in XX/XX/XXXX Legal and Regulatory Context : In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for improper investigations of credit reporting errors, citing failures in investigating disputes and maintaining accurate files ( CFPB XXXX Release ). 

Equifaxs mishandling of my disputes and refusal to remove inaccurate reporting demonstrates the same violations identified by the CFPB : FCRA Section 611 ( a ) : Failure to conduct a reasonable investigation of disputed information.

FCRA Section 607 ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

Harm to Me : These false late payment notations have : Lowered my credit score.

Affected my ability to secure [ housing/car loan/employment/insurance ].

Caused stress and wasted time in repeatedly disputing these inaccuracies without resolution.

Relief Requested : I respectfully request : 1. An immediate deletion and removal of the inaccurate 60-day and 90-day late payment marks.

2. Confirmation that Equifax has conducted a full reinvestigation using my provided documentation. 
XXXX. Monitoring of Equifaxs practices to ensure compliance with FCRA in line with the recent CFPB enforcement action.

Thank you for your attention to this matter and your work in protecting consumers like me. 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Experian, Equifax ) continue to report a bankruptcy on my credit report that is inaccurate and unverifiable, despite my providing clear evidence that the U.S. Bankruptcy Court does not report or verify any information with credit reporting agencies.

I have attached an official letter from the United States Bankruptcy Court XXXX XXXXXXXX XXXX XXXX, signed by the Clerk of Court, which explicitly states : The Bankruptcy Court does not provide any information to the Credit Bureaus The Bankruptcy Court is not a credit reporting agency nor is the Court an information provider of the FCRA.

This means the credit bureaus are sourcing this data from third-party sources like XXXX, which is simply a public records database not an FCRA-compliant data furnisher. Because the court does not verify or furnish this information, the credit bureaus can not possibly meet the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requirement to follow reasonable procedures to assure maximum possible accuracy.

Under FCRA 611 [ 15 U.S.C. 1681i ], any item of information that can not be verified must be promptly deleted from my credit file. This bankruptcy is unverifiable at its source the court has made it clear they do not participate in the reporting or verification process.

Furthermore, the credit bureaus are ignoring Metro 2 compliance guidelines, which require that all information be valid, accurate, and verifiable. The continued reporting of this record is damaging my credit standing, hindering my ability to secure fair credit opportunities, and constitutes negligent noncompliance with the FCRA.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
I was notified today, XX/XX/year>, that my daughter has been receiving emails from 3 Debt Collectors, XXXX XXXX XXXX XXXX, Credit Control , LLC  and XXXX XXXX XXXX which are in my name.

They are all apparently owed, and blanketed, under one umbrella corporation which I've been unable to determine. You should also notice that they list different creditor names in the emails. Example :
email is from Credit Control LLC, but at the end of the email they state XXXXXXXX XXXX XXXX can not use over my 'debt '. I am beyond convinced this company 'shell game ' is to make it extremely difficult for consumers to not only make complaints about but to cover their illegal actions against consumers. Outrageous, unlawful & unethical behavior.

All the emails & notices ILLEGALLY sent to her include my private account details, creditor, incorrect original balance, etc.

At NO TIME did I disclose her email address to them. I am beyond baffled by how they received it! She wasn't even listed as a contact! Are they illegally emailing other family? Friends? 

She has also received, but deleted, emails from XXXX XXXX XXXX I apologize for not being able to attach it This is appalling behavior as well as completely against the Fair Debt Collection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation