vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal information that does not belong to me. Specifically, the report includes : XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I have already contacted the credit reporting agency and provided proper documentation to support my identity, including [ list what you sent, such as a copy of my government-issued ID and a utility bill ], but the information has not been corrected. 

This inaccurate information is affecting my credit profile and could potentially result in further issues, including misidentification and denial of credit or services. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate or incomplete information corrected or removed. 

I am requesting the CFPB to review this matter and assist in ensuring that the credit bureau takes appropriate action to correct the personal information 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 2025-07-28 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: TX

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

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 2025-07-28 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: CA

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

1681c-2 ) that you, the Equifax Information 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
This is a formal complaint against Experian, Equifax, and TransUnion for failing to remove fraudulent accounts, unauthorized personal identifiers, and obsolete information from my credit files despite my submission of an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ), supporting identification, and multiple dispute letters. 

XXXXXXXX XXXX XXXXXXXX of Fraud XX/XX/year> Upon reviewing my credit report, I discovered collection accounts from XXXX XXXX ( Acct XXXX XXXXXXXX ) and XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) that I never opened. 

At the same time, I found multiple incorrect personal identifiers, including past addresses ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ), employer entries, and name variations ( including XXXX XXXX ), none of which I authorized or verified. 

I immediately filed an FTC Identity Theft Report and submitted disputes to all three credit bureaus on XX/XX/year> with supporting documentation, demanding removal under applicable law. 

Legal Basis for Dispute The credit bureaus have clear statutory obligations : FCRA XXXX ( a ) ( XXXX ) Requires CRAs to block fraudulent accounts within XXXX business days of receiving an Identity Theft Report. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Requires CRAs to conduct a reasonable reinvestigation and remove unverified accounts. 

FCRA XXXX ( a ) ( XXXX ) ( A ) If furnishers can not verify with signed contractual proof, the disputed items must be deleted. 

FCRA XXXX ( a ) ( XXXX ) Protects the consumers right to privacy by prohibiting retention of outdated or unauthorized personal identifiers. 

FDCPA XXXX ( a ) Prohibits debt collectors from reporting or attempting collection without proper validation of the debt. 

The continued presence of these accounts and identifiers shows a failure to comply with these laws. 

Impact on Me as the Consumer These inaccurate and fraudulent entries have : Damaged my creditworthiness, potentially affecting access to credit, housing, and employment. 

Created an ongoing risk of mixed files and identity confusion. 

Caused stress, financial uncertainty, and the burden of repeated disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is a formal complaint against Experian, Equifax, and TransUnion for failing to remove fraudulent accounts, unauthorized personal identifiers, and obsolete information from my credit files despite my submission of an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ), supporting identification, and multiple dispute letters. 

XXXXXXXX XXXX XXXXXXXX of Fraud XX/XX/year> Upon reviewing my credit report, I discovered collection accounts from XXXX XXXX ( Acct XXXX XXXXXXXX ) and XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) that I never opened. 

At the same time, I found multiple incorrect personal identifiers, including past addresses ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ), employer entries, and name variations ( including XXXX XXXX ), none of which I authorized or verified. 

I immediately filed an FTC Identity Theft Report and submitted disputes to all three credit bureaus on XX/XX/year> with supporting documentation, demanding removal under applicable law. 

Legal Basis for Dispute The credit bureaus have clear statutory obligations : FCRA XXXX ( a ) ( XXXX ) Requires CRAs to block fraudulent accounts within XXXX business days of receiving an Identity Theft Report. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Requires CRAs to conduct a reasonable reinvestigation and remove unverified accounts. 

FCRA XXXX ( a ) ( XXXX ) ( A ) If furnishers can not verify with signed contractual proof, the disputed items must be deleted. 

FCRA XXXX ( a ) ( XXXX ) Protects the consumers right to privacy by prohibiting retention of outdated or unauthorized personal identifiers. 

FDCPA XXXX ( a ) Prohibits debt collectors from reporting or attempting collection without proper validation of the debt. 

The continued presence of these accounts and identifiers shows a failure to comply with these laws. 

Impact on Me as the Consumer These inaccurate and fraudulent entries have : Damaged my creditworthiness, potentially affecting access to credit, housing, and employment. 

Created an ongoing risk of mixed files and identity confusion. 

Caused stress, financial uncertainty, and the burden of repeated disputes.

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 2025-07-28 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:
These queries appear to be unexpected and not pre-approved. Kindly go over the attached materials promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI financial performed an escrow analysis in XX/XX/year> .. on XX/XX/XXXX. 
about a week later I received a letter that there was an overage and I would receive a refund check. 
Each time I call XXXX to inquire about the check I get a different answer from their representatives. 
-- On XX/XX/XXXX I called and asked if they could give me an idea of when the check would be mailed so I could watch for it. 
I was informed the check had not been mailed and that XXXX had XXXX  days to XXXX weeks to mail it, and that I should receive it within XXXX weeks. 
-- On XX/XX/XXXX I called XXXX again inquiring about the refund as it had been more than 10 days. I was informed this time that the check had been mailed on XX/XX/XXXX. The representative informed me that if I had not received it as yet there was nothing that could be done for XXXX from the date mailed .. She instructed me to call back on XX/XX/XXXX if I had not received it by that date, and they would cancel that check and issue another. 
-- On XX/XX/XXXX I called XXXX again as instructed, and got a totally different response. the Representative now tells me that no check was sent and that it will not be sent until sometime in XXXX. 
He stated they do not have to provide the refund within XXXX  days of the analysis as it is based on my billing cycle. He would not give me an expected date the check would be mailed and when I pointed out I had gotten different information on previous calls he informed me that it didn't matter and that they have throughout the month of XXXX to issue the check. 
-- -My understanding has been that the mortgage company has XXXX  days from the review date to issue the refund.. I am totally confused as I can not get a consistent answer when I call the mortgage provider and would like some clarification and not just the brush off..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : 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 2025-07-28 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-28 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:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-28 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: MD

Complaint narrative:
I reviewed my credit Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account I provided on the screenshot inside the complaint on the date of ( XX/XX/year> ). Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I ask that you please remove these payments be updated to on time and current as they should be as I was never late ( see attached screenshot )

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 2025-07-28 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: MT

Complaint narrative:
I attempted to send money to someone through XXXX using Meta pay services  On XX/XX/year>. The amount was for {$760.00}, the payment never went through and said the payment was canceled on my end. Meta still charged my bank XXXX, I reached out to them about my refund after a week and they said they already issued my refund. I never received it. Ive reached out them multiple times since then. Ive sent them bank statements in multiple support threads and have proven to them I never received my refund but they continue to not respond to any of emails or requests, its been almost 2 months now since this issue and the last response I got from one of them was XX/XX/year>, where the asked again for bank statements, I sent them, now nothing. My bank says theres nothing they can do, only the merchant can fix this issue and the merchant wont do anything. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I THOUGHT MY Identitity has been stolen. Between XXXX and XXXX. 
Wells Fargo repeatedly had fraudulent charges that I did not make on my ledger. If I would call about these issues, it was a XX/XX/XXXX chance if I'd end up with someone trying to fix the problem or trying to convince me that I had to have made the payment. Some of the details I can't remember, due to being hospitalized several times for XXXX XXXX  and XXXX XXXX ( which caused forgetfulness, and my heath was more important than anything because in XXXX I had about a XXXX  to live which beat even with 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 2025-07-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I have submitted documents for Experian, TransUnion, and Equifax to remove false and inaccurate information from my credit report and they have failed to do so. I have filed with the FTC regarding the misuse of my personal information and use of it is identity theft. Experian, TransUnion, and Equifax are in direct violation of XXXX XXXX  XXXX ( XXXX ) and XXXX XXXX  XXXX. I Would like for the CFPB to correct these issues please. 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 non-monetary relief