vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed multiple incorrect items on my credit report online and mailed in letters that have not been responded to. As you see below this letter to Equifax was printed and mailed out this on XX/XX/XXXX and I still have not received a proper response or investigation into my disputes with Equifax, Experian, or Transunion and it has been much longer than the 30 days allowed for a response. Transunion and Experian should also be able to see that I have disputed online and information comes back as verified as accurate with no proof of actual investigation or how they came to the conclusion that the items I have disputed are accurate. 








Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account came back as verified as accurate and I was not provided any proof owe this debt or method of verification. Please show my signature with original documentation showing and explanation of steps taken to verify. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Please respond with documentation and proof that I was ever late on this account and verified as accurate in my previous dispute. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send documentation proving how you verified this late payment reporting on my credit report or remove it from my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please send documentation and proof of how you verified this late payment as accurate on my account or please delete it from my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX The payment history listed for this account on my credit report are wrong. 
Please provide statements and records of all payments made and missed since I opened this account or delete the charge-off from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX BANK # XXXX has violated my rights Title XXXX of the United States Code, Section XXXX A, states that I have the right to privacy According to the Fair Credit Reporting Act, account XXXX XXXX XXXX # XXXXhas violated my rights Title XXXX of the United States Code, Section XXXX A, states that I have the right to privacy Title XXXX of the United States Code, Section XXXX A, Section XXXX : Also states that the credit reporting agency may not provide an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
the creditor has reported a debt on my credit report that is in violation of Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX acct name : XXXX acct XXXX XXXX XXXX XXXX amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because Capital One continues to report three charged-off accounts on my credit file ( account numbers ending in XXXX, XXXX, and XXXX ) as Potentially Negative with open balances and derogatory status. However, Capital One issued IRS Form 1099-C for each of these accounts in XXXX, which is also confirmed on my official IRS Wage and Income Transcript. 

These forms demonstrate that the debts were canceled and reported to the IRS as income, which means they are no longer legally owed. Continuing to report these accounts as collectible or delinquent is misleading, materially inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), IRS regulations, and XXXX XXXX industry standards. 

I previously submitted disputes to the credit reporting agencies ( XXXX, XXXX, and XXXX  ), attaching copies of the 1099-C forms and my IRS transcript XXXX Despite that, the accounts are still being reported with balances and charge-off status. The CRAs stated the information was verified, but Capital One is the source of that data, and the continued reporting contradicts what was reported to the IRS. 

Because Capital One is furnishing inaccurate and misleading data to the CRAs, I am now filing this complaint and requesting that the CFPB require Capital One to correct or remove these accounts from all credit reporting agencies in compliance with federal law and tax regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

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 XXXX 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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

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 XXXX 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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Charges made on my account without my permission as my phone was stolen and didnt have a passcode. The person gained access and made a number of large purchases totaling {$1700.00} all on XX/XX/year>. This was reported a couple days later as I did not have a new phone to contact wellsfargo being that my phone was stolen. I called in and reported the charges. They offered provisional credit to my account for the charges that occurred. Today I have received a letter ( XX/XX/year> ) stating that through the information they have found that I had made the purchases even though I didnt have my phone during the purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I received a card from wells Fargo in mail. I did not open the account it was link to another wells Fargo account. I asked them to closed the account. I then called back to get historical documents and the accounts were still opened. I was heated, I then received a XXXX cashier check, and paperwork starting accounts closed. I called wanting to know where the dococuments for the accounts were, they then proceeded to make me aware that the accounts were not closed and that they were a hard hold. I said well then why would you send a cashier check and paperwork saying it was closed. They then said I had to drive 1 hours and 45 mins to come into a branch to get the paperwork I requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verificatio
n measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and related federal law. 

After filing disputes, multiple negative accounts and inquiries were deleted from my credit reports. However, these same items were later reinserted without the legally required written notice and without proper verification, in direct violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of previously deleted information unless the furnisher certifies accuracy and the CRA provides me written notice within 5 business days of reinsertion.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires timely provision of the method of verification upon request.

15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681s-2 ( b ) Furnishers duty to reasonably investigate and report accurate results to CRAs.

Experian Evidence : From my XX/XX/year> Experian dispute results ( attached ), the following items were deleted : XXXX  deleted after dispute, later reappeared. 

XXXX XXXX XXXX deleted after dispute, later reappeared. 

Multiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) deleted, then reappeared. 

This pattern also occurs with Equifax and TransUnion, who have similarly reinserted previously deleted data without : Written notice of reinsertion within 5 business days. 

Proof of proper certification from furnishers. 

Providing the method of verification when requested. 

Harm Suffered : Damaged credit score from unlawful reinsertions. 

Denial of credit and increased interest rates. 

Emotional distress from repeated disputes and uncertainty about credit file 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 explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
Please help me get these unauthorized accounts removed from my credit file. I never created them and was never notified. Per USC 1681g, I ask for their removal within 1XXXX XXXX. Supporting evidence is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief