vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the failure of Experian, Equifax, and TransUnion to remove inaccurate and fraudulent information from my credit reports, despite multiple disputes and the submission of a valid FTC Identity Theft Report and supporting documentation. 

I have disputed multiple accounts on each of my credit reports that are not mine or are inaccurately reported. In each case, I provided the following : A detailed identity theft report filed with the Federal Trade Commission ( FTC ) A written statement identifying the fraudulent or incorrect accounts Supporting documentation demonstrating that the information is inaccurate and/or does not belong to me Despite this, all three bureaus have returned the disputes as " verified, '' without providing any evidence of a reasonable investigation or explanation of how the information was verified. The accounts in question remain on my credit reports and are negatively affecting my credit, making it difficult for me to obtain necessary financing, including a mortgage loan.

This failure to correct or delete fraudulent and inaccurate information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to conduct a reasonable investigation under 15 U.S.C. 1681i Failure to block fraudulent information as required under 15 U.S.C. 1681c-2 Continuing to report information that has been shown to be the result of identity theft I am requesting the following corrective actions : Immediate deletion of all accounts I have disputed and identified as fraudulent/inaccurate.

A written response from each bureau explaining how the information was verified.

Confirmation that my credit files have been updated and are now accurate.

I am seeking assistance from the Consumer Financial Protection Bureau to ensure that the credit bureaus comply with federal law and correct these violations promptly. I can provide additional documentation upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit file. These accounts are all claiming to own the same debt with an outstanding balance. As you are aware, reporting the same debt under multiple furnishers is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX XXXX  XXXX XXXX Account Number : XXXX Account Balance : {$8500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$300.00} Open date : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$480.00} Open date : XX/XX/XXXX XXXX Account Number : XXXX Account Balance : {$440.00} Open 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 explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
Several accounts on my credit reports are being reported inaccurately, and despite prior disputes, the errors remain. For example, in XXXX and XX/XX/XXXX, multiple creditors including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still reporting charge-offs or inflated balances that do not match actual account history. XXXX XXXX and The XXXX XXXX continue to reflect late payments that are incorrect. In addition, XXXX XXXX XXXX and XXXX XXXX XXXX have placed collection accounts on my file without providing proper validation of the debts. I have also noticed repeated hard inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others throughout XXXX, which I did not authorize. Furthermore, my personal information is being reported inaccurately, including multiple name variations and misspelled addresses, which create confusion and link me to accounts that are not mine. These reporting errors are damaging my credit standing, and I have taken steps to dispute them formally under the Fair Credit Reporting Act, but the information has not been corrected.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-04 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-04 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:
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
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
The investigation did not fix an error on my report

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 2025-09-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My mortgage is {$2100.00} and receive first bill on XXXX for {$200000.00} loan On XX/XX/XXXX I submitted a first payment of {$4800.00} to XXXX my original servicer On XX/XX/XXXX I received notice that PHH will service my account, with a principal balance of {$200000.00} and escrow balance of {$3300.00} I need to understand how they took the initial payment of {$4800.00} into account because that would left me for around {$1300.00} money unaccounted for and need to understand where it went and how it was used for interest or home insurance But I can't contact previous servicer because I am no longer a customer to them

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
b'To Whom It May Concern: I am writing to update/correct my personal\ninformation on file with your company. Please update my address to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to: XXXX XXXX XXXX XXXX  My only social security number is: XXXX  My only and correct date of birth is: XXXX I do not wish to have any telephone numbers on my report. Below are the negative\naccount/accounts impacting my credit.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
b'To Whom It May Concern: I am writing to update/correct my personal\ninformation on file with your company. Please update my address to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to: XXXX XXXX XXXX XXXX  My only social security number is: XXXX  My only and correct date of birth is: XXXX I do not wish to have any telephone numbers on my report. Below are the negative\naccount/accounts impacting my credit.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I started a reconstruction with debt blue and they are handling all my old accounts, they were all served letters stating my POA is now debt blue. XXXX XXXX called and spoke with my manager today after I have asked him not to call work or family.

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 2025-09-04 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:
in XX/XX/year> i recieved a credit alert showing i was over limit on a credit card that has been open for 6 months. when i looked at my credit report i realized its a card that i dont have. i do not have a XXXX  credit card, and i gave no one permission to open one in my name. XXXX  links this account with an account that i had years ago. the email attached and physical address are not mine. so being that someone used my name and personal information to obtain this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
Several accounts on my credit reports are being reported inaccurately, and despite prior disputes, the errors remain. For example, in XXXX and XX/XX/XXXX, multiple creditors including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still reporting charge-offs or inflated balances that do not match actual account history. XXXX XXXX and The XXXX XXXX continue to reflect late payments that are incorrect. In addition, XXXX XXXX XXXX and XXXX XXXX XXXX have placed collection accounts on my file without providing proper validation of the debts. I have also noticed repeated hard inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others throughout XXXX, which I did not authorize. Furthermore, my personal information is being reported inaccurately, including multiple name variations and misspelled addresses, which create confusion and link me to accounts that are not mine. These reporting errors are damaging my credit standing, and I have taken steps to dispute them formally under the Fair Credit Reporting Act, but the information has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
Several accounts on my credit reports are being reported inaccurately, and despite prior disputes, the errors remain. For example, in XXXX and XX/XX/XXXX, multiple creditors including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still reporting charge-offs or inflated balances that do not match actual account history. XXXX XXXX and The XXXX XXXX continue to reflect late payments that are incorrect. In addition, XXXX XXXX XXXX and XXXX XXXX XXXX have placed collection accounts on my file without providing proper validation of the debts. I have also noticed repeated hard inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others throughout XXXX, which I did not authorize. Furthermore, my personal information is being reported inaccurately, including multiple name variations and misspelled addresses, which create confusion and link me to accounts that are not mine. These reporting errors are damaging my credit standing, and I have taken steps to dispute them formally under the Fair Credit Reporting Act, but the information has not been corrected.

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 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Purchased a prepaid PayPal card. PayPal stated they cant open an account. Refusing to issue an expedited credit of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
I pulled my credit report and noticed accounts listed that I did not authorize or provide my personal information for. These accounts are tarnishing my credit profile. Additionally, my personal information was exposed in a data breach. I need these fraudulent accounts removed from my credit report 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 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home depot/Citi bank.closed my account for 3 return check fees .Which is not my fault the money in the account early to buy it take a 7 day to process.So Home depot/ Citi be it holding Mr responsible for the money being gone because they didn't take it out on that day. Which is bad business and not fair to the client.. Anyway.I be paying my bill early all the time and more the the min amount. But the payment do day was still on my account .So I call representative to fix that problem which they did and put it in writing that that {$300.00} is all I need to pay we put in a writing so good interest wouldn't increase on close account for my safety. I'm trying to pay my bill and not be robbed by Citibank and Home Depot that's all I'm trying to do.

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 2025-09-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim of identity theft in XXXX and Wells Fargo admitted that there was a fraudulent account opened under my name. They gave me a settlement to not sue under the condition that the information was removed from Wells Fargo system and early warning services and that was not done. This year in XXXX I opened an account with Wells fargo and in order to access the account they wanted a otp sent to the fraudulent number on file that they were supposed to remove and never did. So that account got closed. I was told by the executive office of Wells Fargo that it was fixed and I'd be able to open another account. Well I opened it and still had all the fraudulent information in the system. So essentially I had an account under my name with no security access. Went to the branch location twice to get the information updated and the complaint I had escalated and they closed the complaint within XXXX hours not even looking at the evidence I sent.

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