vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I submitted a written dispute via USPS Certified Mail to Experian 's official dispute address. USPS Certified Mail Receipt confirms delivery on XX/XX/year>, at XXXX XXXX to XXXX, TX. My dispute contained full identifying information, signature, copies of government ID, proof of residency, and detailed list of inaccurate items including a mathematical impossibility showing 177 % credit utilization when I have XXXX balances across all revolving accounts. 

On XX/XX/year>, Experian sent an automated email claiming my request " does not appear to have been sent directly by you '' and refused to investigate. This is false- I personally wrote, signed, and mailed the letter with verifiable XXXX delivery and included government ID verification. 

I called Experian at their dispute number on XX/XX/year>, at XXXX XXXX. XXXX " XXXX '' refused to provide last name or ID number and confirmed Experian can not process my XX/XX/XXXX certified mail dispute per FCRA Section 611 ( a ). He stated he was " unable '' to locate or process my certified mail dispute despite USPS proof of delivery. His only option was to start a new dispute which would negate my original filing and restart the 30-day clock.

After the call, Experian sent another generic email confirming no action was taken on my lawful dispute. 

This systematic refusal violates FCRA Section 611 ( a ) which requires investigation of disputes submitted directly by consumers. Experian is willfully avoiding statutory obligations by claiming properly submitted, ID-verified disputes are " unauthorized '' and forcing consumers into their preferred online method.

I request immediate enforcement action to force Experian to investigate my XX/XX/year> dispute from the original timeline and correction of the mathematical errors in my credit 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-11 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: WA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX {$14000.00} {$14000.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( XXXX EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a telephone message on my mobile from XXXX identifying herself with XXXX XXXX XXXX XXXX XXXX The number I was supposed to call was XXXX. I called the number and she answered. We were then disconnected and she called me back from XXXX and said I owed {$1000.00} to Fifth Third Bank from 2010. I called my wife and she called XXXX. XXXX told my wife she was with XXXX XXXX XXXX. My wife told her we have never had an account with Fifth Third Bank and XXXX informed my wife if we did not pay it, she would have to refer it to the courts for a lawsuit. My wife explained that my name is a common name. XXXX then told my wife it was attached to my social security number and she gave my wife my social security number. My wife asked for a contact at Fifth Third she could call and XXXX indicated there was no one we could talk with at Fifth Third. My wife told her to refer it to the courts and XXXX disconnected the call. My concern is that she has my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
I got a hard inquiry notification on my XXXX  account from XXXXXXXX XXXX XXXX and a hard inquiry on my XXXX  Report from DISCOVERC.

I have not tried to open any recent credit cards this year. This inquiry is not from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nickel City Group LLC
State: CT

Complaint narrative:
I am currently using consumer protection laws to remove this repossession off of my credit report. I have contacted the debt several times with no attempt for return..

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-11 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: DISCOVER BANK
State: MI

Complaint narrative:
Victim of identity theft Discover credit card date XX/XX/year> Account number XXXX. AMOUNT {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Bank states that problem ( fraud ) started in XX/XX/year>. I call and reported in authorized charges that went to XXXX and XXXXXXXX XXXX XXXX. They came up with a number of over XXXX transactions of XXXX and a XXXX  amount that I was surprised to hear. I filed a complaint on XX/XX/year>. Right away they locked my debit cards and checking account numbers. They sent new cards and even changed my checking numbers. Btw this is Wells Fargo. Both XXXX and Wells Fargo said there was no fraud that I did all this. They also asked I ever got any notice about these transactions. I only got XXXX. Im on a fixed income and this caused me a major hardship. I got XXXX XXXX provisional credit and now they want it back. I dont know what else to do. Considering bankruptcy because I lost all of this money. Side note I did have an account with XXXX and they suspended my account

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 2025-08-11 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 am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
XXXX XXXX. I'm rep payee for children. XXXX funds are sent to direct express. I can not access any money. I've called them for over XXXX week. Never get through and after holding for over XXXX hour get hung up on! Got through once and was told it was XXXX XXXX  issue but that it would be fix soon. Haven't been able to talk to anyone since. I have over {$1000.00} on the card that I need to access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of a XX/XX/year> late payment being reported on my credit file for my XXXX  account ending in XXXX. This late payment is inaccurate and violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. Violation of 15 U.S.C. 1681, Section 602 Right to Privacy Section 602 establishes my right to privacy regarding my credit information. Inaccurate or unverifiable negative items damage my reputation and creditworthiness, infringing on that right.

2. Violation of 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) Under Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish account information without the written instructions of the consumer. I have never authorized the furnishing of inaccurate late payment information for XX/XX/year>. 
3. Violation of 15 U.S.C. 1666b Timing of Payments ( TILA ) Section 1666b clearly prohibits a creditor from treating a payment on a credit card or open-end credit account as late unless received after the due date in accordance with disclosed terms. The XX/XX/year> late payment does not meet these legal requirements and is being inaccurately reported. 
Given these violations, you are required under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of this account. If XXXX can not provide documented and verifiable evidence of the accuracy of the XX/XX/year> late payment, you must remove it from my file under 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of a XX/XX/year> late payment being reported on my credit file for my XXXX  account ending in XXXX. This late payment is inaccurate and violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. Violation of 15 U.S.C. 1681, Section 602 Right to Privacy Section 602 establishes my right to privacy regarding my credit information. Inaccurate or unverifiable negative items damage my reputation and creditworthiness, infringing on that right.

2. Violation of 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) Under Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish account information without the written instructions of the consumer. I have never authorized the furnishing of inaccurate late payment information for XX/XX/year>. 
3. Violation of 15 U.S.C. 1666b Timing of Payments ( TILA ) Section 1666b clearly prohibits a creditor from treating a payment on a credit card or open-end credit account as late unless received after the due date in accordance with disclosed terms. The XX/XX/year> late payment does not meet these legal requirements and is being inaccurately reported. 
Given these violations, you are required under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of this account. If XXXX can not provide documented and verifiable evidence of the accuracy of the XX/XX/year> late payment, you must remove it from my file under 15 U.S.C. 1681s-2 ( b ).

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 2025-08-11 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> Dear XXXX XXXX, We're committed to keeping you informed about your account. As a result of a recent review of XXXX XXXX 's account relationship, and due to your account being in default of the Credit Card Agreement terms, we've made the decision to close your credit card accounts. This process is consistent with the terms of the Credit Card Agreement which can be found on the USAA Mobile App and XXXX 
As a result, we've made the decision to close the following credit cards : Account type : Account number ending in : Credit card XXXX Credit card XXXX Closure date : XX/XX/year> XX/XX/year> I been with this company XXXX plus years never had any problems or issues pay all my bills on time.

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 2025-08-11 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-11 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a claim with Wells Frago for {$4300.00} on XX/XX/year> worth of unauthorized transactions. The Wells Fargo employee added to the claim description that " customer was unsure of the transaction. '' I called back and told them to update the claim because i called and said it was unauthorized there was no point on the call where i said i don't remember. I told the teller 2 things : 1. this i an unauthorized transaction 2. I'm the only one that uses this card and is authorized to use the card I also asked if i should open a police report and the person said it would not help with the claim. They later denied my claim saying i had other transaction on the same day. I explained to them that the methods of use was different the other transactions used a third party website that had my card details saved digitally ex ( XXXX, XXXX, XXXX ) and so i could use the card virtually. 

The unauthorized transactions on the other hand, the method in the app said card insert which means the bad actor would've had my card to make the transaction. Once i explained this on another follow-up call, they asked me to send any information that would support this. I sent them a police report i filed along with evidence from my flight itinerary that i was not in Georgia at the time of the transaction so therefore someone unauthorized used my physical card. 

In fact i had reported my card stolen XXXX weeks before this transaction occurred however i asked for the same numbers and that's why they were still able to process the unauthorized transactions. 

They let me know that since the bad actor knew my pin they don't have enough information to say it was not authorized but they'll review what i sent. I told them that it was impossible for them to know my pin and i honestly think that was just a lie to get me off the phone. And if a bad actor used my card and knew my pin it still was an unauthorized transaction, which was fraudulently acquired and used. 

I will not stop until i get back my money and am prepared to take the bank to small claims court because little to no investigation was done for this claim and they just don't want to give me my money back although falsely advertising on their website that there is XXXX liability if you report unauthorized transactions 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