vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was supposed to get a promotion for starting my checking account. I have met the requirements.

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 2025-12-27 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: FL

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: AL

Complaint narrative:
This loan is through Lendmark financial. I lost my job and was unable to pay. It went to garnishment and they are now calling repeatedly using harassing collection techniques. On a side note the interest on this loan is as much as what was borrowed! It should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
My information was exposed in the data breach. I am a victim of identity theft. I have disputed these items, but have not received a responsive. 

XXXX XXXX XXXX   {$260.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX {$1500.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm currently incarcerated and I'm a victim of identity theft. I have been incarcerated since XX/XX/year>. I have written to bank of America certified letter and sent them the requested documents they asked for. This account is still reporting to my credit report. Please have the company to remove all negative information on my credit 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 2025-12-27 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:
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 2025-12-27 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: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Hello, I believe I received this card from the XXXX XXXX XXXX after joining their specialized donor program. I've never been able to use or activate the card. Now it's expired. On the card it says " funds do not expire '' but when I call the XXXX number, it tells me that the funds have expired and there's no way of recapturing them. This is all automated. When I try to use the phone menu to get to a human being, and put on hold and then they hang up the line. There seems to be no way to chase this down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I'm disputing the full balance with Columbia Debt Recovery, dba Genesis, despite the receipts they sent. Those papers show nothing realno dated invoices, no proof the damage wasn't from their broken XXXX, leaks, or mold buildup I lived with. I paid rent every month without fail, left early because the stink and sickness ruined my lifeconstant anxiety, couldn't breathe, work, or sleep. XXXX ignored my pleas to repair ; they violated habitability rights. Under FDCPA, verification must be legit, not just scraps. This fake debt tanks my credit and peacedelete it from all bureaus, halt collections, give me written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MS

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 2025-12-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
Equifax Information Services LLC has failed to comply with the Fair Credit Reporting Act ( FCRA ) after receiving my written disputes. 

Despite acknowledging receipt of my disputes, Equifax claimed the disputed information was verified without conducting a reasonable or lawful reinvestigation. Equifax failed to delete or correct inaccurate, unverifiable, and obsolete information from my credit file. 

Specifically, Equifax : Failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Continued reporting closed and charged-off accounts that were disputed as inaccurate or unverifiable, in violation of 1681i ( a ) ( 5 ) and 1681e ( b ) Continued publishing obsolete and inaccurate personal identifiers, including multiple outdated addresses, despite written demand to retain only my current address Failed to provide the actual method of verification, including documents reviewed or parties contacted, in violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Improperly relied on automated furnisher responses instead of independent verification Additionally, Equifaxs continued publication of inaccurate personal information violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ( b ) ), which requires safeguards to protect the confidentiality and integrity of consumer data. 

I've sent out certified letters in november. also previous months nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
Victim of Experian Data Breach & Communication XXXX XXXX XXXX Data Breach INTENT TO SUE : CRIMINAL CREDIT REPORTING I, XXXX XXXX, do declare and say under the penalty of perjury that the below statements are true and correct to the best of my knowledge and belief. This Notice is issued as demand for the next suitable course of action regarding the erroneous reporting entries in my credit file which I suspect to be fraudulent, unauthorized and in contravention of the consumer rights accorded to me under FCRA and other California consumer protection laws. 

II. ACCOUNT DETAILS IN QUESTION 1. XXXX XXXX XXXX XXXX XXXX Fraud Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  / Fraud Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX / Fraud Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX : Filed XX/XX/XXXX XXXX. XXXX XXXX  # XXXX Fraud Date : XX/XX/XXXX III. LEGAL BASIS OF DEMAND a. Breach of Fair Credit Reporting Act : Posting the aforementioned accounts on the consumer 's credit file without admissible, duly verified, and authenticated documents, along with a demonstration of permissible purpose, constitutes a breach of the Fair Credit Reporting Act 's ( FCRA ) accuracy and dispute-related provisions.

b. Breach of Californias Consumer Protection Statutes : The consumer protection statutes in California include additional prohibitions against the reporting of incorrect, unverifiable, or unauthorized credit information. I argue that the reporting of these accounts, which I believe consist of fraudulent trade lines related to repossessions due to identity theft and unauthorized collections, has negatively impacted my creditworthiness and violated my informed consumer rights under state 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 non-monetary relief
Consumer complaint received 2025-12-27 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:
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 2025-12-27 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my consumer profile and had multiple inaccurate accounts on my consumer profile, I filled metro 2 compliance using the FCRA, I am challenging this unverifiable information.under my consumer protection rights

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 2025-12-27 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: FL

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: PA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failure to conduct a reasonable investigation and for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed four accounts being reported on my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Equifax claimed these accounts were verified, despite failing to accurately verify that these accounts belong to me. 
I fully complied with Equifaxs dispute process and submitted all requested documentation, including proof of identity and address. Additionally, I provided evidence showing that these four accounts do not appear on my credit reports from XXXX XXXX XXXX which raises serious concerns regarding Equifaxs verification procedures and data accuracy. 

Despite this, Equifax continued to report the accounts without providing a proper Method of Verification, including the procedures used, the sources relied upon, or any documents bearing my signature that establish a contractual obligation. 

Further, an Equifax representative informed me that these four accounts were in the process of being deleted, yet they continued to appear on my credit report afterward, indicating inconsistent and unreliable reporting practices. 

At the same time, Equifax deleted an account that did belong to me, which resulted in a reduction of my credit score and caused additional consumer harm. This demonstrates Equifaxs failure to maintain maximum possible accuracy in my credit file.

Equifaxs actions reflect negligent and potentially willful noncompliance with the FCRA, including failure to conduct a reasonable reinvestigation and failure to ensure accurate reporting. I am requesting regulatory review, correction of my credit file, deletion of the inaccurately reported accounts, and written confirmation of Equifaxs compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. After reviewing my report, I identified information that appears to be outdated or inaccurate. I respectfully request that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I disputed multiple accounts on my credit report after discovering they resulted from identity theft. I submitted official FTC Identity Theft Reports dated XX/XX/year>, identifying these accounts as fraudulent. 

Experian completed reinvestigations and issued dispute results stating that the disputed accounts were verified or verified as accurate. However, Experian did not provide a description of the procedures used to determine the accuracy and completeness of the disputed information. 

The dispute results contain only generalized statements indicating that Experian contacted the companies reporting the information and relied on their responses or certifications. No explanation was provided describing how accuracy was evaluated, what steps were taken during the reinvestigation, or how the submitted FTC Identity Theft Reports were considered. 

As a result, accounts identified in sworn FTC Identity Theft Reports continue to be reported as verified without transparency into how those determinations were made.

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