vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection account from XXXX appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation from XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required 30-day timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account with XXXX. 

On XX/XX/XXXX I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this may be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable. 



LAW U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
XXXX has reported my account to the three credit bureaus as being 90 days past due in XXXX of 2025. The truth is that I set up an auto pay with them, they never took out the funds, and instead started sending me spammy emails that looked like phishing attempts ( asking me to log into my account directly from the email, which is a red flag ). For security reasons, I did not answer these emails and later learned that they hadn't properly set up my automatic payment withdrawals. I am now disputing these in all three credit bureaus, but I am filing a complaint here because what they are doing is unfair. They rely on AI to do half of the work, and most of the time it's wrong. You can see from the attachment that I have uploaded how they spit out these past due emails when it is just not true. Please help.

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 2025-08-07 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: PA

Complaint narrative:
XXXX has reported my account to the three credit bureaus as being 90 days past due in XXXX of 2025. The truth is that I set up an auto pay with them, they never took out the funds, and instead started sending me spammy emails that looked like phishing attempts ( asking me to log into my account directly from the email, which is a red flag ). For security reasons, I did not answer these emails and later learned that they hadn't properly set up my automatic payment withdrawals. I am now disputing these in all three credit bureaus, but I am filing a complaint here because what they are doing is unfair. They rely on AI to do half of the work, and most of the time it's wrong. You can see from the attachment that I have uploaded how they spit out these past due emails when it is just not true. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a hard inquiry made by XXXX which appears on my credit report dated XX/XX/year>. 

I did not apply for any type of credit with XXXX, nor did I authorize this credit inquiry. I have never had any prior dealings with your company, and I did not provide written, verbal, or electronic consent to access my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and documented authorization to conduct a hard inquiry. Since I did not initiate this inquiry or provide consent, I am requesting that it be investigated and removed immediately from my credit file. 

Please provide, in writing, documented proof that I authorized this inquiry. If no such authorization can be produced, I ask that you promptly delete the inquiry from my credit report and notify me once this action has been completed. 

I have attached a copy of my credit report showing the unauthorized inquiry, along with a copy of my government-issued ID and a utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a hard inquiry made by XXXX which appears on my credit report dated XX/XX/year>. 

I did not apply for any type of credit with XXXX, nor did I authorize this credit inquiry. I have never had any prior dealings with your company, and I did not provide written, verbal, or electronic consent to access my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and documented authorization to conduct a hard inquiry. Since I did not initiate this inquiry or provide consent, I am requesting that it be investigated and removed immediately from my credit file. 

Please provide, in writing, documented proof that I authorized this inquiry. If no such authorization can be produced, I ask that you promptly delete the inquiry from my credit report and notify me once this action has been completed. 

I have attached a copy of my credit report showing the unauthorized inquiry, along with a copy of my government-issued ID and a utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-07 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: DE

Complaint narrative:
XXXX XXXX I has violated my rights. 
15 U.S.C 1681 section 602 A. 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 ) ( S ) 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 ) ( 1 ) 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 inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am writing pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) to formally request the removal of certain information from my credit file that I believe is the result of identity theft. I did not authorize or open the items listed below, and I have no knowledge of them. In accordance with my rights under the FCRA 605B, I am requesting that these fraudulent items be removed from my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$680.00} XXXX XX/XX/XXXX XXXX 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 2025-08-07 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: NC

Complaint narrative:
I am writing pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) to formally request the removal of certain information from my credit file that I believe is the result of identity theft. I did not authorize or open the items listed below, and I have no knowledge of them. In accordance with my rights under the FCRA 605B, I am requesting that these fraudulent items be removed from my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

These inaccurate accounts are making it difficult for me to get a house for my family and to start my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AL

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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

These inaccurate accounts are making it difficult for me to get a house for my family and to start my business.

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 2025-08-07 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: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing in response to a call I received from your agency regarding an alleged debt you claim I owe. This is a formal request for * * validation and verification of the debt * *, as provided for by the * * Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ) * *.

Please provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including a breakdown of fees and interest.

4. Copies of any documents bearing my signature showing that I agreed to assume this debt.

5. Proof that your agency has the legal right to collect this debt ( such as a contract or assignment of the debt ).

6. A copy of the judgment ( if applicable ).

Until you provide the information requested : * * * Do not contact me except to provide the documentation. * * * * * Do not report this debt to any credit bureaus. * * * * * Do not pursue collection or legal actions. * * If you do not provide the requested validation within 30 days, or if you continue collection activities without it, you will be in violation of the FDCPA and I will report your agency to the * * Consumer Financial Protection Bureau ( CFPB ) * *, my * * state attorney general * *, and/or seek legal remedies. 

This letter is sent in good faith, and any future communication should be in writing only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Deposited state comptroller checks into account on Saturday. They were held then available on Tuesday. This evening on XXXX they held them and placed my account in the negative despite that majority of the money already was transferred to my savings. Now I'm being told my money will not be available until XX/XX/year> because they said there was suspicious activity on 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 non-monetary relief
Consumer complaint received 2025-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I mailed a written dispute and notification of identity theft to XXXX XXXX on XX/XX/year> and I have not received any response from XXXXXXXX XXXX. The negative account information is still being reporting to ChexSystems and 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 2025-08-07 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
I mailed a written dispute and notification of identity theft to XXXX XXXX on XX/XX/year> and I have not received any response from XXXXXXXX XXXX. The negative account information is still being reporting to XXXX and Early Warning Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MO

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Credit Reporting and Improper Dispute Handling Inaccurate Credit Reporting Improper Handling of Dispute by Experian & TransUnion credit reporting agencies. 


I am filing this complaint because inaccurate late payment information is being reported on my credit reports by Experian and TransUnion regarding my federal student loans serviced by XXXX and XXXX XXXX 

On XX/XX/2025, I filed a formal dispute with the credit bureaus regarding late payments reported during the time my student loans were being transferred between servicers. I never authorized this transfer, and I believe the transition period was the cause of the inaccurate late payment records. 

After contacting both XXXX and XXXX I was told that neither company is able to locate or provide any records related to my loan files, making it impossible to verify or validate the late payments. 

On XX/XX/2025, I received an alert stating that my dispute had been updated, but the late payment records were not corrected or removed. I believe this demonstrates a failure by the credit bureaus and loan servicers to properly investigate and resolve my dispute, as required under the Fair Credit Reporting Act ( FCRA ). 

The reported late payments are unfair and inaccurate. My credit reports should reflect that all of my accounts are current and have never been late. I am requesting that the CFPB assist in ensuring the inaccurate late payment entries are corrected or removed from my credit reports. All parties involved ( credit bureaus ) are held accountable for failing to provide proper documentation or support. 
I appreciate your assistance in helping resolve this matter, as it is having a serious and unjust impact on my credit and financial wellbeing.

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 2025-08-07 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: NC

Complaint narrative:
I am submitting this complaint to report inaccurate late payment entries on my credit report related to XXXX accounts : my XXXX credit card, my XXXX XXXX XXXX XXXX XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX mortgage. These accounts have been incorrectly marked as 30 days past due for the months of XX/XX/XXXX ( XXXX and XXXX XXXX cards ), and XX/XX/XXXX and XX/XX/XXXX ( XXXX mortgage ), despite timely and in some cases advance payments. 

For the XXXX credit card, I made advance payments in prior months, including a {$190.00} payment in XX/XX/XXXX, which exceeded the scheduled monthly amount and should have covered future obligations. Nevertheless, the account was marked late in XX/XX/XXXX. For the XXXX XXXX XXXX XXXX XXXX credit card, I paid the full scheduled amount of {$91.00} on XX/XX/XXXX, yet the account was still reported as 30 days past due. This is clearly inaccurate. Regarding the mortgage account, I paid {$2400.00} on XX/XX/XXXX, XXXX amount that exceeded the scheduled payment of {$2300.00}. This payment was made on time and in full, yet the account was also marked late. Additionally, the XX/XX/XXXX delinquency is questionable, given the consistent payment history surrounding that period. 

Experian responded to my dispute by stating that the companies certified the information as accurate and therefore did not make any changes. However, this certification is flawed. The payment records I provided clearly demonstrate that I was not delinquent in the months reported. The reporting companies failed to properly apply advance payments and overpayments, resulting in misleading and damaging entries on my credit report. 
These inaccuracies have negatively impacted my credit score and misrepresent my financial responsibility. I have consistently made payments on time, often in advance or in excess of the scheduled amounts. I respectfully request that the CFPB investigate these reporting errors and require the companies involved to remove the 30 days past due marks for the months in question and ensure that future reporting accurately reflects advance and excess payments.

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