vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: MI

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase with the cash-back debit card attached to the checking account in question, resulting in a negative balance of XXXX. This account was then automatically closed on XX/XX/XXXX and I was reported to XXXX for account abuse. I called Discover on XX/XX/XXXX to clarify this matter as I had just become aware of this after applying and being denied for a new checking account with another bank. Discover informed me that this checking account was not enrolled in Discovers Overdraft Services, meaning that per Discovers terms, the offending transaction should have never gone through and put me in that position. 

Please see the following from Discovers Overdraft Terms at XXXX XXXX XXXX What happens if I dont have enough money in my account to cover a transaction and my account is not covered by one of Discovers Overdraft Services ? 

For all other transaction types, like debit card purchases, we will automatically decline the transaction if your account doesn't have enough money. 
Discover does not charge fees for returned items or insufficient funds. 

Therefore, I had an expectation of being protected against going into debt with this account. Instead they allowed it to happen and then when I did not notice, they closed the account and reported this as account abuse to XXXX, causing me to get denied when trying to open another checking account. This debt was invalid from the start and a result of an error on their side. It was completely unexpected and against my agreement with them for my checking account to go into a negative balance as a result of a debit card purchase. 

Furthermore, I was not given adequate opportunity to resolve this as I never received any correspondence regarding the supposed debt. Discover continues to maintain a relationship with me today through my savings account which I still had at that time and which had sufficient funds to cover the overdraft if Overdraft Services were enabled, meaning either way I had an expectation of safety against going into debt with this account and Discover violated our agreement and fraudulently abused their power to report me for account abuse on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful information that is being reported on my credit report. These errors are negatively affecting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I request that the CFPB investigate these matters immediately. 

The following items are inaccurate : Address Error : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is being reported inaccurately. This is not my current nor correct address and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Reported : Late Payment This reporting is inaccurate, misleading, and unverifiable. Late payments are being reported in error. I demand a thorough investigation and removal of these inaccurate late payment notations. 

XXXX XXXX XXXX ( XXXX XXXX : XX/XX/XXXX ) : This hard inquiry was reported without my authorization. Under the FCRA, unauthorized inquiries must be removed as they negatively impact my credit profile.

These inaccuracies violate my consumer rights under FCRA 602 ( A ), 607 ( B ), and 611, which require fair and accurate reporting of consumer information. Reporting unverified and false information causes significant financial harm to me by lowering my credit score and limiting my access to fair credit opportunities. 

I am requesting that these inaccurate items be : Investigated and deleted immediately from my credit report. 

Verified with proper documentation if they are to remain ( which I believe they can not be ). 

Please provide me with written confirmation once this investigation has been completed.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a Chase Crdit Card that was used fraudulently but I did not know about. I found out once the account was closed and it was too late to dispute. I agreed to pay a settlement amount as long as the account was removed from my credit report as a delinquent account. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am disputing the inaccurate reporting of a WELLS FARGO CARD SERV account on my XXXX  credit report. On XX/XX/XXXX, I settled this account for {$1200.00} under a written settlement agreement with WELLS FARGO CARD SERV. I have attached both the settlement agreement and proof of payment. 

Despite this, XXXX  continues to report the account with the following inaccurate and misleading information : Original Charge-off : {$3000.00} Pay Status : Account paid in Full ; was a Charge-off This reporting misrepresents the actual terms of the settlement and is both false and damaging to my credit file. 

I have disputed this account with XXXX  multiple times, including on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. ( Additional disputes were also filed online, but the dates are no longer listed in the portal. ) Each time, XXXX  returned the account as verified accurate, despite the evidence I submitted. 

On the morning of Wednesday, XX/XX/XXXX, after reviewing my most recent dispute results, I contacted XXXX  by phone. I explained that I had provided sufficient evidence proving the inaccuracy. The representative placed me on hold while the information was reviewed. When she returned, she stated that she had been advised XXXX  was authorized to manually delete the account due to the evidence provided, and that the deletion would occur within XXXX hours. As of today, XX/XX/XXXX, this deletion has not taken place. 

I urge XXXX  to review the recording of this call to confirm exactly what was said by your representative. If I was falsely assured of a resolution that was never implemented, this constitutes a serious misrepresentation and raises additional concerns about the integrity of XXXX dispute handling process. 

XXXX  has failed to conduct a reasonable reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), as shown by its repeated pattern of disregarding the evidence I submitted.

WELLS FARGO CARD SERV, as the furnisher, has violated FCRA 623 ( 15 U.S.C. 1681s-2 ) by failing to report the account accurately and failing to conduct a proper investigation into disputes forwarded by XXXX. 

I respectfully demand the immediate deletion of this account from my XXXX  credit file due to the ongoing failure to report accurately, the repeated violations of my rights under the FCRA, and the false assurances made by XXXX representative.

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 2025-09-05 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: ID

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
Urgent CFPB Complaint TransUnion Data Breach, False Charge-Off Reporting, and Credit Score Damage To Whom It May Concern, I am filing this complaint against TransUnion for serious violations of the Fair Credit Reporting Act ( FCRA ) and for failing to maintain accurate reporting following their admitted data breach impacting over XXXX XXXX consumers.

TransUnions breach exposed my personal information, putting me at risk of identity theft and inaccurate reporting. Since then, my credit report has been filled with inaccurate and unverifiable information, and my credit score has dropped without valid cause. Most concerning, TransUnion is reporting a charge-off account that I do not have and never authorized. This is a false and damaging entry that has severely harmed my creditworthiness.

This conduct is in violation of : 15 U.S.C. 1681e ( b ) : TransUnion must follow reasonable procedures to assure maximum possible accuracy. Reporting a false charge-off is a clear violation.

15 U.S.C. 1681i ( a ) : TransUnion must conduct a proper investigation of disputed accounts. They have failed to investigate and remove the inaccurate charge-off and other unverifiable entries.

15 U.S.C. 1681c-2 ( Section 605B ) : Consumers have the right to block information resulting from identity theft or fraud. Any unverifiable account including this false charge-off must be removed immediately.

15 U.S.C. 1666 : Credit reporting agencies must correct errors in reporting. TransUnion has failed to do so.

Because of TransUnions negligence : My credit score has dropped significantly. 
A false charge-off is being reported against me, damaging my reputation and financial opportunities. 
I am being denied fair access to credit and subjected to unnecessary financial harm. 

I demand that TransUnion : 1. Immediately delete the false charge-off and any other unverifiable accounts or inquiries.

2. Provide written confirmation of what personal information of mine was compromised in their breach.

3. Restore my credit report and score to reflect only accurate and verified information.

4. Provide documentation of consumer protections and remedies being offered ( such as free credit monitoring and identity theft insurance ). 

I request that the CFPB intervene to hold TransUnion accountable, enforce compliance with federal law, and ensure the removal of all inaccurate reporting on my file.

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 2025-09-05 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: WV

Complaint narrative:
Profile mix match, credit accounts appearing on report that do not belong to me, ERROR NO PROFILE FOUND WHEN CREDIT IS PULLED

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 2025-09-05 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Profile mix match, credit accounts appearing on report that do not belong to me, ERROR NO PROFILE FOUND WHEN CREDIT IS PULLED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: PA

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 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 2025-09-05 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: CBC Companies, Inc.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
Re : Failure to Comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I submitted an identity theft dispute pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that the following fraudulent accounts be blocked and deleted within the * * 4 business days * * mandated by law. I included my FTC Identity Theft Report ( # XXXX ), a copy of my government-issued ID, and proof of address. 

Fraudulent accounts requested to be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$5400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} - XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Opened XX/XX/XXXX {$160.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$740.00} As of today, more than 4 business days have passed, and these items remain on my credit file. This constitutes * * non-compliance with federal law * *. Under * * FCRA 605B ( b ) * *, you are required to block and delete these accounts within 4 business days of receiving an identity theft report and proper documentation.

Your failure to comply places you in direct violation of the Fair Credit Reporting Act. If this matter is not corrected immediately, I will have no choice but to escalate my complaint by filing with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My State Attorney Generals Office I demand that you provide me with written confirmation that these fraudulent accounts have been deleted from my credit file within * * 7 calendar days * *

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 2025-09-05 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: OR

Complaint narrative:
Despite multiple disputes, the credit reporting agencies and furnishers continue to report inaccurate, unverified accounts, collections, and unauthorized inquiries. This is a clear violation of FCRA 611, 616, and 617, as well as FDCPA 807 and 809. Their refusal to comply with federal law constitutes willful negligence and ongoing harm to me as a consumer.

Company response to consumer: Closed with non-monetary relief