vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rentdebt automated collections is trying to collect a debt from an apartment i never lived at nor is an address on listed on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year> and multiple other dates attempted, with the most recent being today. 

I have been trying to use an AMEX prepaid gift card and it declines EVERYWHERE I try. I have verified the balance and it shows XXXX available. I have attempted to use it for smaller amounts as well but no matter the amount, it declines. 

A quick search online shows that many people have reported having this problem starting this past year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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!

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 2025-07-03 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-03 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: IL

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It is a matter of public record that multiple data breaches have occurred involving major credit reporting agencies and financial data aggregators, including but not limited to : - Equifax Data Breach ( XXXX ) : Exposed the sensitive personal information of over 147 million Americans. This includes names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. - TransUnion Data Breach ( XXXX ) : Compromised consumer credit files and personal identifying information, leading to federal scrutiny and consumer lawsuits. - Experian API Vulnerability ( XXXX ) : Reportedly allowed unauthorized users to access credit scores and personal data without authentication. 
These breaches significantly increase the risk of identity theft and file contamination. 
Therefore, the accuracy and legality of any tradeline or account bearing my name must be treated with the highest level of scrutiny and good faith. Continued reporting without verification, in light of these breaches, is willful negligence under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am filing this complaint against Experian for continuing to report a 30-day late payment from XX/XX/XXXX on my credit report for XXXX XXXX XXXX XXXX Account # XXXX, despite the fact that I have disputed this item multiple times and have never received any documentation, verification, or supporting evidence from either Experian or the furnisher. 

This is a clear and repeated violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ) ), which requires Experian to conduct a reasonable reinvestigation, maintain maximum possible accuracy, and remove unverifiable data.

My situation mirrors the exact violations described in the CFPB 's lawsuit against Experian filed in XX/XX/XXXX, where the Bureau accused Experian of engaging in : Sham investigations of credit disputes, Failure to properly notify furnishers of disputes, Re-insertion of negative entries without proper verification or notification. 

CFPB Lawsuit Reference : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ I am demanding that Experian be compelled to immediately correct the account to reflect " Paid As Agreed '' or " Never Late '' and that the Bureau take formal enforcement action under the same authority used in the 2025 complaint.

Violations of Metro 2 Guidelines : In addition to FCRA violations, I am formally reporting that EXPERIAN is failing to comply with Metro 2 format guidelines, which are the industry-standard technical requirements established by the CDIA ( Consumer Data Industry Association ) and followed by all national credit reporting agencies.

Under Metro 2 : No derogatory status can be reported without documented, timestamped proof of delinquency.

The account must include an accurate Payment Rating and Account Status code.

If a 30-day late mark is unverifiable, the record must be updated to reflect " OK Paid As Agreed '' or " Never Late ''.

EXPERIAN is currently reporting this account with a derogatory mark without fulfilling any of the technical or legal requirements of Metro 2, which is a core component of accurate credit reporting under FCRA.

I am prepared to escalate to civil litigation and provide all prior dispute correspondence upon request.

I request the CFPB to investigate this issue, enforce deletion of unverifiable information, and ensure compliance with consumer protection laws.

I respectfully request that the CFPB intervene to compel the removal or correction of this derogatory item and hold the responsible parties accountable.

Supporting documentation will be provided and attached on this complaint.

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 2025-07-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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: PA

Complaint narrative:
Member ID ( Experian ) : XXXX To Whom It May Concern, I am filing this complaint against Experian for their willful refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires consumer reporting agencies to block and delete information resulting from identity theft. 

I have been a victim of identity theft and have submitted ALL required documents to Experian, including : - FTC Identity Theft Report ( File No. XXXX, dated XX/XX/year> ) - Official Police Report ( signed and filed ) - Signed and Notarized Fraud Affidavit- Government-issued ID Despite providing these documents, Experian continues to report the following fraudulent account on my credit report : - Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has ignored multiple formal written requests and has failed to comply with the mandated 4-day blocking period as outlined under FCRA 605B. Their actions ( or inaction ) are in direct violation of federal law and continue to cause substantial harm to my credit profile, financial standing, and personal well-being. 

Attached to this complaint are all relevant documents including my FTC report, notarized affidavit, police report, and previous correspondence to Experian. I am formally requesting that the CFPB intervene and require Experian to fully delete and block the fraudulent account from my credit file and issue written confirmation. 

Additionally, I am preparing legal action to seek relief for statutory and actual damages under FCRA 1681n and 1681o. 

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 2025-07-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: NC

Complaint narrative:
I am disputing the collection of a repossessed auto loan. The dealer falsely reported a {$1000.00} down payment, I paid only {$500.00}, sold a defective car, and released the vehicle even though I did not have a valid driver 's license, which made the financing invalid and illegal. 
After repossession, they refused to let us retrieve our personal property ( My children and I birth certificates, social security cards, clothes, laptop, id card, auto lease paperwork, shoes ). Veros Credit is trying to collect on this balance despite these fraud issues. We received prior notice that nothing was owed after auction. This is fraud and violates fair debt collection practices. 

This happened in XXXX  which lead me to be stranded outside in the State of Georgia which where the car was repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-03 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CO

Complaint narrative:
On XX/XX/year> I did an online application for the Wells Fargo XXXX XXXX card assuming I would be instantly approved due to my high income and XXXX XXXX score. I was denied due to identity verification as they could not verify my cell phone number with a code. I was advised to go in person to a branch and take my photo ID. I did exactly this and brought along a myriad of documents. The woman at the branch took a copy of my drivers license, passport, bank account, and two utility bills- all current and showing my first, last, and address. 

I was again denied with the statement unable to verify identity. The branch manager then got involved in helping with my application, taking other documents provided, again with my first, last, and address - faxing them in, and escalating my case. 

I was again denied with the statement unable to verify identity and that my homeowners insurance document was altered as the account number and limits were blacked out. I provided this document with no redactions- and again was denied with the statement unable to verify identity. 

I provided : Valid passport, Valid drivers license, Social security card, A current pay stub, Marriage certificate, Current utility bill with name and address : gas, water, telephone, electricity, internet, Mortgage statement, Current homeowners insurance policy, Current vehicle registration, A current bank statement with name and address, Current credit card statements with name and address from other lenders. 

I provided everything I have except a copy of my birth certificate. 

Through all of this, I was simply told they were unable to verify my identity. The number of documents I provided is more that what is required to get a drivers license or passport. I was never given an answer as to what else could have possibly been provided to verify my identity. 

My application was grossly mishandled, and took up a great deal of my time running back and forth in person. I am requesting that Wells Fargo remove the hard credit pull as I provided every document that was requested and they are all sufficient with my first, last, and address including photo identification. 

Simply stating unable to verify identity is covering this mishap up and not doing right by consumers as you can see by the list of documentation provided.

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 2025-07-03 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: OH

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

1681c-2 ) that you, the Experian Credit Services , 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, OH XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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