vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiries were not and should not be reporting. 

XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested that XXXX provide me with information on how the account XXXX XXXX XXXX XXXX for amount of XXXX dollars was verified, also it says on my credit report that the account was open on XXXX XXXX I want the proof and documents that states that this account was open on that date with the account going into delinquency in XXXX so how would the account be open before it went into delinquency, and the account open date was not updated after the last dispute letting me know that it was not properly investigated. I would like this account deleted immediately or I will be sending an invoice for every violation of the FCRA and the number of violations are lengthy Experian is already going through a law suit for not properly investigating disputes. So please delete this account from my credit report that is not suppose to be reporting.

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 2025-04-05 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: PA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next XXXX days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was locked out of my Wells Fargo account. I called customer service, but the representatives were not patient. They recommended that I visit a branch in person. When I went to the branch, the banker said I could resolve it either way. I called customer service again but had the same rude experience.

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 2025-04-05 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: GA

Complaint narrative:
The credit reporting agency is reporting a bankruptcy filing on my credit report that was not obtained or verified directly from the United States Bankruptcy Court. I contacted the Bankruptcy Court, and they confirmed that they do not furnish or verify bankruptcy data to any credit bureaus. Therefore, the information currently being reported was clearly obtained through an unauthorized third-party source, which violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires all information reported to be accurate and verified.

This third-party reporting not only violates my privacy but also exposes me to reputational and financial harm, especially as this bankruptcy is connected to several negative accounts that are now inaccurately tied to me. These accounts were also reported under the same invalid association.

I have submitted a formal dispute and requested the removal of the bankruptcy entry and all linked accounts due to the fact that no original source verification was provided. To date, the credit reporting agency has failed to correct or remove the inaccurate data, despite not having valid verification directly from the court.

I am requesting that this matter be investigated immediately and that the credit bureau be required to delete all information related to the bankruptcy and associated accounts unless they can prove the information came directly from the source the U.S. Bankruptcy Court which I know they can not.

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 2025-04-05 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, TransUnion, and Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, these credit reporting agencies continue to report inaccurate, unverifiable, and inconsistent information on my credit reports. 

I have submitted multiple disputes directly to the credit bureaus regarding the following accounts, and they have either failed to respond with proper verification or ignored discrepancies across bureaus both of which are direct violations of FCRA 609 and 611.

Problematic Accounts & Discrepancies : XXXX. XXXX XXXX - Status : Reported as a XXXX by Experian and TransUnion.

- Issue : Inaccurate balances, dates, and payment history not reported identically across bureaus and unverifiable by either agency. 

XXXX. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 
- Issue : Derogatory status shown in Experian but is missing or differs in Equifax/TransUnion . I have not received any supporting documentation from any bureau. XXXX XXXX XXXX XXXX 
- Status XXXX XXXX XXXX 
- Issue : Numerous months of negative reporting, but the information differs across all three credit bureaus, which violates the FCRA requirement for consistent and accurate reporting. 

XXXX. XXXX XXXX XXXX. 
- Status : XXXX late payments. 
- Issue : Conflicting payment histories on all three credit bureaus. I have not received proof of validity or correct reporting. 

XXXX. XXXX XXXX XXXX XXXX - Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Issue : Multiple late payments shown on Experian/TransUnion but not Equifax. No documentation has been provided to prove the accuracy of the data. 

These accounts were previously disputed in good faith, yet I have not received documentation proving ownership, a signed agreement, or account validation from any bureau. In some cases, the derogatory data is not even reported consistently across all three bureaus, violating FCRA 607 ( b ), which mandates maximum possible accuracy.

I am requesting the CFPB to investigate these violations and ensure that any account that can not be verified is immediately removed from my credit file. I also request that each bureau provide full documentation to justify the continued reporting of these items including contracts, original statements, and payment history.

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 2025-04-05 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: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, TransUnion, and Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, these credit reporting agencies continue to report inaccurate, unverifiable, and inconsistent information on my credit reports. 

I have submitted multiple disputes directly to the credit bureaus regarding the following accounts, and they have either failed to respond with proper verification or ignored discrepancies across bureaus both of which are direct violations of FCRA 609 and 611.

Problematic Accounts & Discrepancies : XXXX. XXXX XXXX - Status : Reported as a XXXX by Experian and TransUnion.

- Issue : Inaccurate balances, dates, and payment history not reported identically across bureaus and unverifiable by either agency. 

XXXX. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 
- Issue : Derogatory status shown in Experian but is missing or differs in Equifax/TransUnion . I have not received any supporting documentation from any bureau. XXXX XXXX XXXX XXXX 
- Status XXXX XXXX XXXX 
- Issue : Numerous months of negative reporting, but the information differs across all three credit bureaus, which violates the FCRA requirement for consistent and accurate reporting. 

XXXX. XXXX XXXX XXXX. 
- Status : XXXX late payments. 
- Issue : Conflicting payment histories on all three credit bureaus. I have not received proof of validity or correct reporting. 

XXXX. XXXX XXXX XXXX XXXX - Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Issue : Multiple late payments shown on Experian/TransUnion but not Equifax. No documentation has been provided to prove the accuracy of the data. 

These accounts were previously disputed in good faith, yet I have not received documentation proving ownership, a signed agreement, or account validation from any bureau. In some cases, the derogatory data is not even reported consistently across all three bureaus, violating FCRA 607 ( b ), which mandates maximum possible accuracy.

I am requesting the CFPB to investigate these violations and ensure that any account that can not be verified is immediately removed from my credit file. I also request that each bureau provide full documentation to justify the continued reporting of these items including contracts, original statements, and payment history.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information that remains on my ChexSystems report. While I understand that the previous investigation concluded that the information is accurate, I still believe there is a discrepancy that needs further review. 
I respectfully request a detailed review of the following items on my report : RTN/ACCT # : XXXX / XXXX Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX this item is a result of identity theft I have no idea who created the account, as well as who paid it off. Settled in full but still on my report when I tell you its not my account marking it as verified isnt the route to take, Im telling you this isnt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I have complained about this matter serveral times and Equifax continues to violate my rights, I have asked them on several occasions, why remarks for XXXX XXXXXXXX have changed on my credit profile in the last XXXX months at least XXXX times causing major damage to my credit score. This is happening to often and I want it stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am trying to cancel my subscription to Experian. They are making it very difficult. They are saying they need a copy of my credit report to cancel my subscription which will cost me {$1.00}. I know this isnt much money but that sounds like I am having to pay to cancel my account. I can not get into my account either. I have given them the number to a debit card to pay my bill each month. They are saying the payment would not go through but I have plenty of money in my bank so if payment would not go through something is up. I went ahead and paid & think I paid it twice today and Im still locked out of my account. Something needs to be done. People are complaining online about this.

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 2025-04-05 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-05 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-04-05 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-05 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX {$3500.00}, XXXX XXXXXXXX XXXX {$1200.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$420.00}

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