vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Although some payments were returned, we were never over the credit limit and always made partial payments consistently. These payments were often made in small amounts to ensure we could pay rent on time while still keeping up with our card. Even when payments were returned, we always repaid them faithfully and promptly. 

Recently, after successfully making a payment that cleared, XXXX XXXX suddenly closed my account. They are now using the returned payments as an excuse, even though weve been consistent and responsible in making sure the account was paid. At no point were we warned this would happen, and no fees or penalties were ever posted on the account. 

I called XXXX XXXX XXXX XXXX, and every single representative avoided telling me the truth. When I finally spoke with someone in the fraud team, he sounded nervous and hesitant. He simply said, " Maam, your account has been closed, '' and when I asked why, he said, " Because of returned payments. '' His voice was shaky, and the whole experience felt deeply shady and unprofessional. It was like they knew they were doing something wrong but couldnt explain it. 

I want a proper investigation, a clear reason for why the account was closed after accepting my money, and confirmation that this will not negatively impact my credit report. If any funds remain, I want them returned.

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 monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the deletion of the XXXX account due to inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The account is currently reporting as a charge-off with a {$0.00} balance, and it is being updated monthly as if it is still active or unresolved. This is misleading and inconsistent with FCRA requirements for data accuracy and completeness. 

If the balance is {$0.00}, the account can not accurately be reported as an outstanding charge-off. Additionally, the remarks indicate that the account was transferred or sold, which means the original creditor no longer owns the debt and should not be updating the tradeline as if the account is still collectible. 

This reporting violates multiple sections of the Fair Credit Reporting Act : FCRA XXXX ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off with no balance and no ownership is neither accurate nor complete. 

FCRA XXXX ( a ) ( XXXX ) : Prohibits the re-aging of charge-off accounts beyond the seven-year reporting period. Monthly updates on a {$0.00} balance are improperly extending the negative impact of the account. 

FCRA XXXX ( a ) : Requires a reasonable reinvestigation of disputed information. I have previously disputed this account, and the investigation was marked as " verified '' without addressing these inconsistencies or correcting the status. 

I am requesting that this account be fully removed from all three credit bureaus ( Equifax, TransUnion, and Experian ) due to incomplete and inaccurate reporting that is causing ongoing harm to my credit profile. 

Please find attached a screenshot of the current tradeline and proof of the monthly updates and {$0.00} balance status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: HI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I noticed multiple inaccurate and unverifiable items on my credit reports with both XXXX and XXXX that I have never been properly informed about, nor provided documentation for. These include accounts listed under XXXX ( Account # : XXXX ), XXXX XXXX XXXX ( Account # : XXXX ), and XXXX ( Account # : XXXX ). These accounts contain inconsistent reporting, outdated data, and have not been validated with original signed agreements, payment histories, or legally required documentation. I never received notices or billing statements proving that these accounts belong to me. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item that is inaccurate or can not be verified. I submitted a formal request to reinvestigate these entries and to remove all incorrect personal details including inaccurate names and address variations that are not mine. I have asked both credit bureaus to respond within the required XXXX window, and if the accounts can not be verified, they must be deleted in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX FIN SVC - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX  * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} BANKRUPTCY - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
The attack documents provides all the information required by law to have the items removed 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( XXXX and XXXX ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates XXXX. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Not getting any response XXXX are XXXX XXXX reflecting ph calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXX XXXX - XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of delinquency on XXXX accounts with XXXX XXXX XXXX. Both accounts were paid and closed, yet Experian is reporting multiple XXXX late payments, which appear to be stacked inconsistently, particularly in the months leading up to the charge-off. 

For account ending in XXXX, the history shows XXXX lates in XXXX, XXXX, and XX/XX/year>, which is inaccurate since delinquency is cumulative and should progress monthly ( XXXX, XXXX, XXXX, etc. ), not maintain XXXX  days for XXXX consecutive months. 
For account ending in XXXX, there are XXXX consecutive months of XXXX lates ( XXXX 2023 ) prior to charge-off, which again does not follow FCRA standards. 
XXXX. Revolving Account ending in XXXX This account is marked as Charged off as bad debt with a {$140.00} balance, but no payment history is shown at all. 
There is no timeline of missed payments, partial payments, or final resolution, making the charge-off unverifiable and questionable. Without supporting payment history, this negative entry should not be allowed to remain. 



Additionally, both accounts fail to reflect a proper payment history prior to delinquency and charge-off. I am requesting that the CFPB investigate this with XXXX XXXX XXXX and ensure accurate reporting in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am filing a complaint regarding inaccurate reporting of delinquency on XXXX accounts with XXXX XXXX XXXX. Both accounts were paid and closed, yet Experian is reporting multiple XXXX late payments, which appear to be stacked inconsistently, particularly in the months leading up to the charge-off. 

For account ending in XXXX, the history shows XXXX lates in XXXX, XXXX, and XX/XX/year>, which is inaccurate since delinquency is cumulative and should progress monthly ( XXXX, XXXX, XXXX, etc. ), not maintain XXXX  days for XXXX consecutive months. 
For account ending in XXXX, there are XXXX consecutive months of XXXX lates ( XXXX 2023 ) prior to charge-off, which again does not follow FCRA standards. 
XXXX. Revolving Account ending in XXXX This account is marked as Charged off as bad debt with a {$140.00} balance, but no payment history is shown at all. 
There is no timeline of missed payments, partial payments, or final resolution, making the charge-off unverifiable and questionable. Without supporting payment history, this negative entry should not be allowed to remain. 



Additionally, both accounts fail to reflect a proper payment history prior to delinquency and charge-off. I am requesting that the CFPB investigate this with XXXX XXXX XXXX and ensure accurate reporting in compliance with the FCRA.

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