vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer report
ing agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I log into the " my eqifax '' portal it is showing that my score has not been updated since XXXX  and it will not show my my credit report. This is also affecting my report and score from being shown on XXXX XXXX. It's also affecting me from being approved for credit products.Iam also not able to obtain my free annual credit report from them. 
I have contacted Equifax and they are saying that I need to mail in a copy of my ID & Social Security Card to them at a P.O. Box. This sounds very suspicious to me and they refuse to offer another method to verify me. 
They are with holding my access to see my credit score and report that is in their system. 

I have a XXXX XXXX XXXX  filing that they are also not adhering to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My Citi Bank account has been placed under a fraud block since XX/XX/year>, without explanation, even though I have done nothing to warrant this action. I only made XXXX deposits to the account, XXXX being a {$25.00} deposit from my XXXX XXXX XXXX XXXX XXXX and my XXXX  refund of {$180.00}, which would not warrant, a fraud block. I opened the duel account on XX/XX/year>. I activated my debt card and my moms debt card on XX/XX/year>, the same day they flagged the account. I was never told, my account was blocked until I called them on XX/XX/year>, after I could not use my debt card to pay for groceries. When I contacted Citi Bank, I was told to wait XXXX hours for a resolution. I waited the XXXX, then called again, the account was still under a block, with them saying to continue to wait. I followed up again on XX/XX/year> by visiting a branch, the manager there said, it would be resolved today, XX/XX/year>. I called this afternoon, XX/XX/year>, and the timeline was then extended again, with no concrete explanation, and I was told to call back in another XXXX hrs or wait up to 10 days for an email. It has now been over a week, and I still have no access to my account or my funds. I have not been informed of any specific suspicious activity, nor have I received any formal communication detailing what triggered the fraud block or what steps I can take to resolve it. I rely on this account for essential financial needs, and the continued lack of transparency and delays are causing significant distress and hardship. 

I am requesting a formal review of my case and immediate action to resolve this issue, or at the very least, clear communication and access to my funds.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a new complaint regarding continued inaccurate and illegal credit reporting by Portfolio Recovery Associates ( XXXX ), following an unresolved issue under CFPB case XXXX XXXXXXXX. 

XXXX is reporting XXXX accounts they claim to have purchased from XXXX XXXX  : XXXX XXXX account ending in XXXX XXXX  XXXX account ending in XXXX XXXX has not provided full and proper validation of these debts under the Fair Debt Collection Practices Act ( FDCPA ). Their previous response only included account summaries and internal business records not a copy of the original signed credit card agreements or any billing statements showing I made charges or payments on either account. 

Additionally, I never received the initial letters they claim to have sent in XXXX. Without valid documentation that legally proves I owe these debts, XXXX should not be furnishing this information to the credit bureaus under the Fair Credit Reporting Act ( FCRA ). 

These accounts XXXX be the result of mistaken identity, bad data from XXXX, or improper account transfer procedures. 

Requested Resolution : XXXX. Immediately delete and remove both accounts ( ending in XXXX and XXXX ) from all XXXX  credit bureaus ( XXXX XXXX XXXX XXXX  ). 


XXXX. Provide full and complete legal debt validation, including the original signed account applications and full account-level billing history. 


XXXX. If XXXX can not fully validate the debts, they must cease all collection activity and provide me with written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX 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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Harpeth Financial Services, LLC
State: NC

Complaint narrative:
Unauthorized Loan Activity and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( also known as XXXX or XXXX  ) XXXX XXXX XXXX XXXX Problem Description : In [ month, year ], I discovered that a fraudulent loan had been taken out in my name through XXXX XXXX. I did not authorize or apply for this loan. I have already submitted an FTC identity theft report and contacted XXXX XXXX, but I have yet to receive a response regarding the closure of the fraudulent account or reimbursement of funds. 

In addition, XXXX XXXX XXXX XXXX moved money between my accounts and processed payments without my knowledge or consent, specifically a XXXX XXXX XXXX  ] transaction on [ date ]. I was not informed nor did I authorize this movement of funds. I believe this was in connection with the fraudulent activity, and I want this addressed and corrected. 

What Ive Done So Far : Filed an identity theft report via the FTC. 
Attempted to contact XXXX XXXX multiple times ( via phone/email ) with no resolution. 
XXXX XXXX XXXX, but no clear explanation or resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX 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 2025-08-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to WELLS FARGO 's online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's XXXX diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-05 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: PA

Complaint narrative:
Please hold this company accountable I spoke to XXXX morning asking her why they are reporting information on my credit report that isn't accurate information. 
XXXX XXXX account number XXXX My insurance company paid this company over XXXX on a this car that was total yet this company is still reporting that I'm XXXX  days late how is this possible. I have submitted proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Experian has done Improper Investigation in result many of times accounts have come back verified.The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus conduct a reasonable investigation of disputed information. In my case, the investigation appears to have been inadequate, as I have provided clear and compelling evidence to support the accuracy of my claims, yet no corrective action has been taken. 
Under Section 1681i of the FCRA, if an investigation does not result in accurate reporting, I am entitled to a full correction or removal of the disputed information. am writing to formally dispute certain accounts on my credit report, which have been illegally updated or " re-aged '' in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, I have noticed that certain accounts on my credit report have been re-dated or marked as more current than they actually are. This constitutes a direct violation of my consumer rights under the FCRA.

Under FCRA Section 1681c, accounts that are older than seven years should be removed from my credit report, Any attempts to re-age or update the dates of delinquency for the sole purpose of making an account appear newer or more severe than it is is unlawful. 

The illegal re-aging of accounts on my credit report not only damages my creditworthiness but also violates my right to fair reporting under FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and up-to-date information.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX XXXX XXXX ( XXXX ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX XXXX XXXX XXXX  and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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