vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-03 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:
I am requesting a reinvestigation of the following items appearing on my TransUnion report. I believe these accounts and inquiries may require correction or verification. 

Charged Off / Negative Accounts to Review : XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$70.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$1200.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$0.00} Inquiries to Verify for Authorization and Accuracy : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX If these inquiries or accounts are not fully verifiable, I am requesting deletion as required under the FCRA. 

POSITIVE ACCOUNTS ( NOT IN DISPUTE ) ( These are positive accounts that I am not disputing and would like to remain ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-11-03 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: SC

Complaint narrative:
On XX/XX/year>, I made a purchase on a website that was masquerading as another legitimate site. As soon as I realized the mistake, I turned off my Wells Fargo debit card and called Wells Fargo to report that the purchase was fraudulent, as the company had misrepresented itself. XXXX had impersonated the company XXXX XXXX. No tracking was sent. No product was sent. 

Wells Fargo then canceled the debit card and sent a new one after learning of the issue. Filing an official dispute on the same day as the charge was initiated led Wells Fargo to open a claim. That claim for {$47.00} was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries that are appearing on my Experian credit report. Some of these items may be inaccurate, incomplete, or may not belong to me. 

Charged Off / Negative Accounts to Review : XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$70.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$65.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$0.00} Inquiries to Verify for Authorization and Accuracy : 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 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 2025-11-03 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: DC

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-03 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 am a consumer working to resolve certain discrepancies on my credit report. I have identified some accounts and inquiries that I believe may not be accurately reported. I kindly request that each credit bureau investigate the following items and update my credit report accordingly.

Charged Off Accounts in Dispute : XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$120.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$110.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status. 

Inquiries to Dispute : XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

Late Payments to Dispute : XXXX  XXXX Account : XXXX Dispute : The late payment listed for this account is incorrect. Please investigate and correct the status.

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 2025-11-03 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MO

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-03 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: MO

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am submitting this complaint against XXXX / Transworld Systems Inc. for reporting  a collection account inaccurately, failing to properly validate the debt, and violating federal consumer protection laws. 

Account Details Collection Agency : XXXX ( Transworld Systems Inc. ) Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance Reported : {$420.00} Issue : Inaccurate collection reporting & unverifiable balance Summary of Violations XXXX is reporting a collection account with : Incorrect balance information Incorrect or incomplete original creditor identification Missing or inaccurate date and status fields No proof this debt is valid, belongs to me, or is being accurately reported Improper furnishing under XXXX XXXX reporting standards Additionally, XXXX failed to provide proper validation when requested, violating federal dispute procedures. 

This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) including : FCRA 607 ( b ) Duty to report with maximum possible accuracy FCRA 623 ( a ) Furnishing information known to be inaccurate FCRA 623 ( b ) Duty to investigate disputes properly FCRA 611 ( a ) ( 5 ) Must delete unverifiable information FDCPA 807 False or misleading credit reporting FDCPA 809 ( b ) Failure to validate debt upon request XXXX verified the debt electronically without producing any documentation, which does not satisfy validation or reinvestigation requirements. 

Harm Caused The inaccurate collection reporting has caused : Damage to credit score Higher interest rates Loss of financial opportunities Emotional and financial stress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately.

XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Mr Cooper has completely failed and is overcharging me. I sent an adjusted tax bill on XX/XX/XXXX. They have forced me to overpay and not adjust to the much lower tax bill I have made multiple phone calls and sent multiple emails and no one has corrected the bill. 
There has been zero accountability and no change. What is the best approach for me now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and misleading entries on my credit report. Despite my efforts to maintain accurate credit information, my report contains several accounts marked with Late Payment, Collection, and Charge Off that I have no knowledge of or have never been late on. The accounts in question are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection These entries are either inaccurate, unverifiable, or entirely unknown to me. I request that the CFPB take immediate action to investigate these accounts and ensure that the credit reporting agencies delete or correct these inaccurate entries. 

The continued reporting of these false accounts is causing substantial harm to my creditworthiness, financial reputation, and ability to access credit. I expect a prompt resolution and written confirmation that these inaccuracies have been addressed. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I am a consumer working to correct my credit report and have noticed discrepancies regarding certain accounts and inquiries on my credit file. I respectfully request a reinvestigation of the following accounts and inquiries across the three major credit bureaus. 
Charged Off Accounts : XXXX BANK ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$460.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

Late Payments : XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct the status. 

DEPTEDXXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct the status.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Albert Corporation
State: GA

Complaint narrative:
Albert handled multiple emergency hardship transactionsincluding XXXX subscriptions, ATM withdrawals, XXXX, XXXX, and XXXX XXXX and XX/XX/year> while I was displaced from housing due to ADA/FHA violations . 
Although my SSI verification and ADA/FHA case information were provided, no ADA-based review or provisional-credit process was initiated. 

These losses are connected to my three pending ADA/FHA federal cases : Mill at Westside Owner LLC v. Dominique Ponder ( 25-CV-05612 ) Piedmont Pad v. Dominique Ponder ( 25-CV-5996 ) Verge Apartments v. Dominique Ponder ( 25-CV-05611 )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Due to credit report fake business account bankruptcy XXXX  XXXX which never received an they using fake name on my credit report my names is not XXXX XXXX XXXX or or I don't have no middle name fraudulent activity illegal representation misconduct on business who allowed this to report my credit score is a XXXX better tamper with my personal information Web site an background report agency now 10 billion law suites an Data breach that Alabama fails to report stolen assets not being filed to IRS audit file on XXXX XXXX Alabama probate office revocable trustee account stolen land an fake deed an fake land map copy Alabama land maps audit all appointments governor to file last 5 years taxes document fraud embezzlement identity theft 10 billion law suites behalf of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX claim unclaimed property 5 days to provide IRS document an settlement agreement 10 billion laws XXXX Alabama police department to provide taxes document employee employment report illegal operations stolen identification number back tax place an lien on State of Alabama fails pay me correct my name expunged all illegal incorrect stops sale my Data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent blocking of several accounts being reported by Experian, Equifax, and TransUnion that were the result of financial abuse and coercion. 
Between XXXX and XXXX, I was in a financially abusive and coercive relationship during which I had no access to or control over my finances. The accounts listed below were opened, used, or mismanaged without my authorization. Despite my prior submissionsincluding police report, identity verification, and supporting documentationthe credit bureaus have failed to comply with the FCRAs required timeframe for deletion and blocking. 
Disputed Accounts 1. 2. 3. 4. XXXX XXXX  Account ending in XXXX {$6400.00} XXXX XXXX  XXXX XXXX Account ending in XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} ( XXXX XXXX  XXXX XXXX XXXX  Account ending in XXXX {$710.00} These accounts have been disputed directly with all three credit bureaus as of XX/XX/XXXX, and were accompanied by supporting documentation. The bureaus are legally required under FCRA 605B ( b ) to block such accounts within four ( 4 ) business days of receiving identity theft or abuse-related documentation, and to provide confirmation within 30 days.

To date, these accounts remain unblocked and continue to appear across multiple reports, causing ongoing harm and financial hardship.

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