vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: TX

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a trade line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor multiple reasons : - No deposit was collected, and no signed contract or proof of identity verification has ever been provided. 

XXXX XXXX XXXXXXXX representative I spoke with ( XXXX ) confirmed that this account was not sent to collections until more than 3 years later, citing a system conversion from XXXX XXXX to XXXX. 

- The billing records XXXX provided show inconsistencies, such as overlapping billing periods, excessive one-day usage amounts, and a lack of explanation for how multiple accounts were created under my name. 

- No proof was provided showing I was responsible for the specific charges in question. 

- XXXX failed to provide the full usage history, which is essential for confirming the legitimacy of the billed amounts. 

Under FCRA 611 ( a ) and FCRA 607 ( b ), credit furnishers and CRAs must ensure maximum possible accuracy, and if they can not provide documentation, the item must be deleted. 

I am requesting the immediate removal of this account from all consumer reporting agencies, and confirmation that it has been deleted. This debt was not properly validated and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a trade line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor multiple reasons : - No deposit was collected, and no signed contract or proof of identity verification has ever been provided. 

XXXX XXXX XXXXXXXX representative I spoke with ( XXXX ) confirmed that this account was not sent to collections until more than 3 years later, citing a system conversion from XXXX XXXX to XXXX. 

- The billing records XXXX provided show inconsistencies, such as overlapping billing periods, excessive one-day usage amounts, and a lack of explanation for how multiple accounts were created under my name. 

- No proof was provided showing I was responsible for the specific charges in question. 

- XXXX failed to provide the full usage history, which is essential for confirming the legitimacy of the billed amounts. 

Under FCRA 611 ( a ) and FCRA 607 ( b ), credit furnishers and CRAs must ensure maximum possible accuracy, and if they can not provide documentation, the item must be deleted. 

I am requesting the immediate removal of this account from all consumer reporting agencies, and confirmation that it has been deleted. This debt was not properly validated and should not appear on 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Months ago, I inquired how I could prevent charges from being processed on my debit card if I don't have the funds available. I was told by Wells Fargo to disable the " overdraft protection '' on my debit card. They still continued to process debit card charges on my account when funds were low and charged me {$35.00} in overdraft fees. I am told they no longer refund these charges, and I'm out of luck. The last occurrence of this was on XX/XX/XXXX, when they processed a {$15.00} charge from XXXX for my XXXX membership. Had they rejected it, XXXX would have simply tried again a couple of days later when there was money in the account. Instead, Wells Fargo put it through anyway and charged me {$35.00} for being {$11.00} overdrawn. I contacted Wells Fargo, and they informed me there was another layer of overdraft protection - " standard overdraft protection '' that they had to disable on their end to prevent this from occurring. Now I'm out multiple overdraft fees because 1 ) I wasn't alerted that there is another level of overdraft protection that needs to be disabled, and 2 ) customer service has done everything they can to avoid refunding the charges. It's a slap in the face. Especially because the bank is aware I have a direct deposit coming in on the evening of XX/XX/XXXX. There was an additional charge on XX/XX/XXXXXXXX  for the same reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I was approached at my home by a XXXX XXXX XXXX representative who offered a 30-day trial for their security system. I agreed to try it, but the system was never installed or activated. The equipment is still in its original, unopened box and has never been used. 

I was later charged {$3300.00} through a XXXXXXXX XXXX XXXX account that I did not knowingly agree to. I was not clearly informed that accepting the trial would trigger a financing contract, and I was unaware of any deadline for cancellation. 

When I attempted to cancel and dispute the charge, XXXX stated I missed their cancellation period. XXXX  said I had to submit a dispute form, which I did. I also contacted both companies multiple times by phone to try and resolve this. 

I am now being held responsible for financing a system I never used or had installed. I believe this agreement was unclear, possibly misleading, and should be canceled. I am requesting that this account be closed, all charges reversed, and that my credit report not be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint concerning a fraudulent XXXX account that is appearing on my credit reports and reporting negatively, despite the fact that : The account is closed ; and It does not belong to me and was never opened or authorized by me. 

This account is reporting a balance of {$310.00}, and is being furnished to all three major credit reporting agencies : TransUnion, Equifax, and Experian. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumers have the right to accurate information on their credit reports. XXXX has violated this law by continuing to furnish and verify inaccurate, false, and unauthorized information.

This is a direct violation of : 15 U.S.C. 1681s-2 ( a ) Furnishers of information must report accurate data ; 15 U.S.C. 1681s-2 ( b ) Upon dispute, the furnisher must conduct a reasonable investigation, correct any errors, and notify all CRAs. 

Despite my not having any association with this account, it is still being used to damage my credit and is a clear case of identity fraud and negligent data handling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am writing to file a formal complaint concerning a fraudulent XXXX account that is appearing on my credit reports and reporting negatively, despite the fact that : The account is closed ; and It does not belong to me and was never opened or authorized by me. 

This account is reporting a balance of {$310.00}, and is being furnished to all three major credit reporting agencies : TransUnion, Equifax, and Experian. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumers have the right to accurate information on their credit reports. XXXX has violated this law by continuing to furnish and verify inaccurate, false, and unauthorized information.

This is a direct violation of : 15 U.S.C. 1681s-2 ( a ) Furnishers of information must report accurate data ; 15 U.S.C. 1681s-2 ( b ) Upon dispute, the furnisher must conduct a reasonable investigation, correct any errors, and notify all CRAs. 

Despite my not having any association with this account, it is still being used to damage my credit and is a clear case of identity fraud and negligent data handling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capitol One XXXX XXXX  card on XX/XX/XXXXXXXX  and the membership fee was {$390.00}. I was charged the {$390.00} on that date. I started using the card when it came in the mail. On XX/XX/XXXXXXXX  I found out that the card was restricted and I could not charge anything on it from that date on. I had to verify who I was. I sent in my drivers license and my mortgage statement. That wasn't good enough. I then sent in a utility bill. I closed the account on XX/XX/XXXXXXXX  as the account was still restricted and they refused the documents that I had sent in. I also have 4 savings accounts and 1 Checking account and 1 Kohls charge account with capitol one. By this time I should have been verified of my identity. I was told that once they could verify my identity that I could then request my {$390.00} membership fee back. Today XX/XX/XXXX they finally verified my identity and told me that its been more than 39 days and that I couldn't get my membership fee back. I tried to rectify the situation with numerous phone calls and sending in documents. I called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  They are refusing to give my membership fee back. It was fine when you needed to have an XXXX credit score or better to apply and they had my address then but refuse to send my money back after restricting the card that I couldn't use anyway. Card # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unverified collection accounts being reported by the following third-party debt collectors : XXXX XXXX XXXX XXXX XXXX Services These accounts are currently appearing on my credit reports with Experian, Equifax, and TransUnion, and are causing unjustified harm to my creditworthiness. I am invoking my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, under 15 U.S. Code 1692c, debt collectors are restricted from contacting or communicating with consumers at inconvenient times or without proper verification of the debt. Furthermore, 15 U.S. Code 1692g ( b ) requires debt collectors to cease collection efforts and provide verification of the alleged debt upon dispute, which I have attempted to do. 

To date, neither XXXX XXXX XXXX nor XXXX XXXX XXXX has provided any proof of ownership of the debt, the original creditor agreement, or validation under the law, yet these accounts continue to be reported and have negatively impacted my credit.

Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, once a dispute is submitted, the furnisher ( the debt collector ) is required to investigate and verify the accuracy of the information, and if they can not, the account must be deleted from the 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 2025-07-09 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I noticed there are several in accuracies. Please remove the below inaccuracies from my credit report immediately thank you. 

XXXX XXXX XXXXXXXX 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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IA

Complaint narrative:
I have noticed inaccurate information reporting on my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IA

Complaint narrative:
I have noticed inaccurate information reporting on my credit profile

Company response to consumer: Closed with non-monetary relief