vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
Multiple accounts are appearing on my credit report that I did not open, authorize, or manage. I am a victim of identity theft, and my personal information has clearly been used without my knowledge or consent. The reporting of these accounts under my name is inaccurate and misleading, and it raises serious concerns about the security and integrity of my credit file. I take my credit profile very seriously, and the presence of these unauthorized accounts is deeply troubling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ALLY FINANCIAL INC.

Complaint narrative:
Contacted both my employer, my neighbor, my Sister in Law, my mother in law, my legally divorced ex. Called stating it was for me and for a debt with leaving a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CT

Complaint narrative:
I am disputing the following accounts on my Experian credit report. The information listed does not accurately reflect my current credit situation and requires investigation. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the late payment reports of 90+ days late that have been placed on my credit file for XXXX and XX/XX/year> of {$2100.00}. I sent over an email on XX/XX/XXXX of XXXX  and there was never a response back. 
If you need any documentation from me to help resolve this issue, please let me know and I will gladly provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have called Wells Fargo at least XXXX times Ive also gone down to the bank with the form that I printed out myself that they said Im waiting for in the mail that I never received. I also brought XXXX years of tax returns with me to prove that I make the money I said I make, and they wouldnt accept any of it at the branch, which the person on the phone that I spoke to said they would accept all of that at the branch. They had no idea what was going on at the branch & They said they have never seen a form like that. However, the representative from the bank called corporate to try to resolve all this for me and they said I had to wait for that letter to come in the mail? So AGAIN she asked why I couldnt just send the printed out form and then some of my tax return information and they wouldnt let her so I went to the bank for nothing. Im supposed to be getting rewards points on this card and I cant even use it. I was using it for everything. I even made my first payment on XX/XX/XXXX of {$2000.00} and on the fourth of XXXX, Wells Fargo put a block on it. I was also going to pay this account in full on XX/XX/XXXX on my next due date. I just dont understand? Ive also written an email to the corporate office and I still didnt hear anything back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. The accounts listed below are inaccurate and I request that they be thoroughly investigated. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$340.00} INQUIRIES 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX  business days under 15 USC 1681c2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX  business days under 15 USC 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I found a charged-off account and a late payment that I believe may be inaccurate or not properly verified. 

* * Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account shows a XXXX balance but is still reported as charged off. I am requesting Equifax to verify the accuracy, ownership, and reporting status of this account. If it can not be fully verified, it should be corrected or removed. 

* * Late Payment in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the accuracy of this late payment reporting and request verification. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: ID

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a XXXX  resident with a XXXX-registered PayPal account . 

PayPal permanently limited my account and froze USD XXXX on or before XXXX XX/XX/year>. 

Under PayPals own User Agreement, most account limitations require funds to be released after 180 days unless there is a lawful forfeiture or a court/law-enforcement order.

As of today, PayPal has neither released my funds nor issued any forfeiture notice, nor cited any law enforcement request or court order.

I have repeatedly contacted PayPal support and received no lawful explanation for the continued hold.

I am requesting regulatory assistance to require PayPal to either : Release my funds immediately, or Provide written legal justification for withholding them.

This prolonged withholding of funds without explanation is unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This collection account reported by XXXX XXXX XXXX for an alleged {$990.00} balance from XXXX XXXX  is NOT mine and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ). 

I have never opened, authorized, signed, benefited from, or had any relationship with this creditor. This is a false, unverified, and unlawful reporting of a debt that does not belong to me. 

The furnisher is reporting : Account # : XXXX Placed in collections : XX/XX/year> Last verified : XX/XX/year> Reported balance : {$990.00} with a {$0.00} Original Balance ( internally contradictory and impossible ) FCRA VIOLATION XXXX ( a ) : The furnisher is reporting information they know or should reasonably know is inaccurate. A {$990.00} owed balance with a {$0.00} original balance is an inherently invalid data structure and a clear sign of mixed file, data contamination, or negligent reporting practices. 

FCRA VIOLATION 1681e ( b ) : The credit bureaus are required to maintain maximum possible accuracy. Reporting an account that does not belong to me and that contains contradictory balances is a direct violation of this requirement.

FCRA VIOLATION 1681i ( a ) : Upon dispute, the furnisher must conduct a reasonable reinvestigation. Because no contract, no signed agreement, no proof of benefit, and no chain of assignment exists, the account can not be legally verified. Continuing to report it is unlawful.

FCRA VIOLATION 1681s-2 ( b ) : Once notified of my dispute, the furnisher must provide verifiable evidence supporting the validity of the account. They can not verify what does not exist.

I am demanding an immediate deletion of this account from ALL credit bureaus.

The furnisher MUST provide : A legally valid, original contract containing my signature Evidence that I used, received, or benefited from this alleged account A complete chain of custody/assignment of the debt If XXXXXXXX XXXX XXXXXXXX or XXXX can not produce these documents, the account MUST be removed immediately as required by federal law. 

This false reporting is causing measurable financial damage, obstructing credit opportunities, and harming my ability to access essential financial services. 

Please record this as a formal notice of multiple FCRA violations. If this inaccurate information is not corrected and deleted promptly, I will escalate this matter through additional regulatory channels and pursue further legal remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to address discrepancies in the reporting of my credit information across the three major credit bureaus ( Equifax, XXXX, and XXXX ). Below are the accounts in dispute : Charged Off Accounts XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$830.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1000.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$400.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$450.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$600.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$350.00} XXXX  | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} Inquiries XXXX  XXXX | Date : XX/XX/XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX XXXX | Account Number : XXXXXXXX XXXX XXXX | Account Number : XXXX

Company response to consumer: Closed with explanation