vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information 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 2025-10-24 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:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent in verification documents over 10 times. ( Drivers License, social security card, lease, utility bill ) certified mail, email, fax, and uploaded in online portal each time they claim it will be updated and it never is. Every dispute is denied. The other credit companies have my information. Experian has given me the run around for over a year. I was able to see my report and then one day I wasnt and I have had a horrible time trying to get it fixed. I can not secure a home or any type of funding because they refuse to assist.

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 2025-10-24 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDULENT INQUIRIES
: US DEPARTMENT OF EDU - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
I am filing a follow-up identity theft complaint regarding a fraudulent XXXX XXXX  ( XXXX  ) collection that is reporting on my TransUnion credit file.

I have never had an account with XXXX, and this account was opened without my authorization as a result of identity theft. The fraudulent XXXX collection is already the subject of CFPB complaint # XXXX filed directly against XXXX XXXX  .

I previously filed two CFPB disputes against TransUnion ( IDs XXXX and XXXX ) and mailed a complete identity theft package including my police report, FTC report, government ID, SSN card, and proof of address. My identity has already been verified, and TransUnion confirmed receipt of my certified mailing.

I am now requesting that TransUnion immediately block and permanently delete the XXXX XXXX collection from my file under FCRA 605B, as it has been confirmed as identity theft. I am attaching only my updated police report # XXXX for reference, since all other identifying documents are already on file with TransUnion.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX  XXXX - XXXX, XXXX XXXXXXXX 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 I have contacted TRANSUNION several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities.

I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

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 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I do not seem to understand when this account was open but it seems and account was open with XXXX  then sent to a credit collector on my name, for an address I have never lived in this is affecting my credit score I need it down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-24 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MN

Complaint narrative:
I went on there and {$700.00} was just gone from my account with no reason at all I called and they said there isnt anything they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPT OF EDUCATIONXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Bought a mattress on credit card from Synchrony Bank in XXXX of XXXX, with promotional offer of 0 % for 24 months. At the end of the promotional period, XX/XX/XXXX, the interest rate was changed without notice. Additionally they charged the interest on the original balance charged on account which was around ~ {$2200.00} not the current principle which was around ~ {$1000.00} after 2 years of payments, also XXXX changed the interest terms again from 24 % to 30 % without notice or reasoning. The interest charged in XXXX of XXXX was {$1500.00}, but monthly it is {$56.00} as of now. 

I contacted the bank and they had no response on why no notification was sent and said interest charge is listed on the statement.

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 2025-10-24 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: VA

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 XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-24 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:
Issue : Credit Reporting Failure to remove fraudulent accounts after identity theft Company : XXXX XXXX XXXX XXXX XXXX XXXX Experian, Transunion, and XXXX  Complaint : I am the victim of identity theft. Two fraudulent accounts were opened in my name with XXXX XXXX XXXX. I filed disputes with the credit bureaus, filed a police report, and submitted a complaint to XXXX XXXX directly. Despite this, the accounts remain on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, once a consumer provides an identity theft report ( police report + FTC Identity Theft Report ), the credit bureaus are legally required to block fraudulent accounts from appearing within 4 business days. 

I have provided all required documentation, but the credit bureaus and XXXX XXXX XXXX  have failed to comply. They continue to report these fraudulent accounts as valid. 

This ongoing reporting is damaging my credit, preventing me from obtaining fair access to credit and financial opportunities.

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 2025-10-24 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: AL

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-24 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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.

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 2025-10-24 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AL

Complaint narrative:
Good day. I cant emphasize enough how frustrating and distressing this situation is, waking up to find a debt I know absolutely nothing about, completely unverified and not mine. I have been receiving repeated and harassing messages through multiple platforms, using different tactics, and even threats of legal action. This is deeply insulting to me as a law-abiding citizen and a clear violation of my rights as a consumer. It has taken a serious toll on my mental health, causing me countless sleepless nights and unnecessary 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I opened a checking and savings account with Wells Fargo at a local branch in my city on XX/XX/year>, stating that there would be a direct deposit into my account before the 90 days of their bonus promotion ended on XX/XX/year>. After leaving the bank, I began to get text messages on my phone, which I took as a fraud scam. I began to check both accounts and discovered I could not get into either of my accounts. I later received a letter in XX/XX/year>, that my accounts would be closed on XX/XX/year>. I contacted the number that was provided in the letter and talked with a bank rep. She informed me that she would push back the date to the XXXX of XXXX so that I could receive my direct deposit on XX/XX/year>. The deposit was sent from Social Security on XX/XX/year>. But, I was returned to Social Security on the XXXX of XXXX, with the thought of giving the {$320.00} bonus as stated. This is a deceptive business practice, breach of contract, misrepresentation, or false advertisement to the customers. I wanted this account because it would help me to be able to pay my bills on time, by coming through their bank. The bank has not refunded the deposit from one of the accounts. I received, one payment on or around 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 2025-10-24 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:
I am submitting this formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ) to address inaccurate, incomplete, and unauthorized items on my Equifax file. 
Please conduct a full reinvestigation and delete all unverified and unauthorized entries listed below. 
Collection Account XXXX XXXX XXXX/ XX/XX/XXXX ( XXXX XXXX ) Account # : XXXXXX/XX/XXXX Balance Reported : {$1800.00} Opened : XX/XX/XXXX Issue : This collection account appears on other bureau reports but not in my verified personal records. The furnisher has failed to provide proof of ownership or lawful reporting authorization. 
This violates FCRA XXXX ( b ) ( requirement of maximum possible accuracy ) and XXXX ( a ) ( XXXX ) ( A ) ( reinvestigation of disputed accuracy ). 
Requested Action : Delete this account from my Equifax file due to lack of verifiable accuracy and completeness. 
Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX Balance Reported : {$190.00} Opened : XX/XX/XXXX Issue : This account has not been validated by the furnisher, and no documentation has been provided showing my consent or contractual relationship. Without such proof, this record lacks a permissible purpose for reporting under XXXX ( a ). 
Requested Action : Delete this account as unverified, inaccurate, and unlawfully reported. 
Unauthorized Hard Inquiries No Permissible Purpose ( FCRA XXXX ( a ) ) Please remove the following hard inquiries, as they are not tied to any active or approved credit accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX These inquiries are not connected to my legitimate accounts (XX/XX/XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXX/XX/XXXX) and therefore lack a valid permissible purpose. 
Please remove each or provide documented proof of authorization. 
Method of Verification Request FCRA XXXX ( a ) ( XXXX ) If you maintain that any of the above items were verified, please provide a detailed written description of your reinvestigation procedure, including : The business name, address, and telephone number of each furnisher contacted ; What documents were reviewed ; and How the accuracy and completeness were confirmed. 
Requested Resolution If the disputed accounts and inquiries can not be substantiated with full documentation, please delete them and issue an updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with explanation