vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: MS

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 2025-10-14 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: NC

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 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 2025-10-14 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: OR

Complaint narrative:
That misrepresents my stance on financial responsibility.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
After reviewing my credit report from Experian, I identified several inaccurate, unverifiable, and misleading accounts that continue to appear despite prior disputes. These items include multiple charged-off accounts, re-aged collection accounts, and duplicates that are being reported without valid supporting documentation or proof of ownership. 

Creditors and debt collectors such as 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  have failed to provide evidence of legitimate debts, including original signed agreements, full payment histories, and accurate charge-off records. 

The continued reporting of unverifiable and inconsistent information violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( accuracy and completeness ), 611 ( a ) ( duty to investigate ), and 623 ( a ) ( furnisher responsibilities ). Additionally, the collection accounts reported by third-party agencies lack required validation under FDCPA 809 ( b ) and misrepresent debt ownership in violation of FDCPA 807 ( 2 ) ( A ). 

These repeated violations have caused significant and ongoing damage to my credit reputation, limiting my access to fair credit opportunities and misrepresenting my financial responsibility.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy In confidentiality under 15 USC 161 be accounts are listed below. XXXX XXXX  for for {$630.00} I have no idea who they are. XXXX XXXX XXXX I never spend a dime I never got a card nothing. XXXX XXXX XXXX XXXX XXXX And XXXX also alternative XXXX XXXX XXXX should have all been taken off after 3 years because XXXX XXXXXXXX implemented a new law and we all know this.

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 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out this XXXX loan to help support my family and I was paying it off and I payed off around XXXX before I realized that it kept going and thats when I found out that they neglected to show the apr for the loan itself and when I checked it was 500 % apr which if I had known that I never would've taken 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 2025-10-14 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:
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint because XXXX XXXXXXXX XXXX and the national credit bureaus ( Experian, XXXX  and XXXX ) are reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Specifically, the account from XXXX XXXXXXXX XXXX ( Acct. # XXXX ) is appearing multiple times under slightly different names and account IDs with inconsistent High Balance, Last Activity, and Months Reviewed fields. These inconsistencies violate : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information.

FCRA 1681s-2 ( a ) : Furnishers duty to provide accurate data to consumer reporting agencies. 

The reporting furnisher has also failed to provide consistent verification when requested, and the information remains incomplete ( N/A payment months ). These errors distort my credit profile and misrepresent my creditworthiness. 

I request that the CFPB investigate this matter, require the credit bureaus and XXXX XXXXXXXX XXXX to substantiate the information with verifiable records, and if such verification can not be produced, mandate permanent deletion of all inaccurate data from my credit file. 

Thank you for your prompt attention to this violation of federal consumer protection 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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Re : Case number XXXX XXXX Account ending in XXXX Please be advised that I am in receipt of your mailing of XX/XX/XXXX. I appreciate your continued support and understanding in this attempt to resolve chronic fraudulent intrusions on my accounts. However, It is noted that it is incomplete and inaccurate relating to Wells Fargo XXXX XXXX XXXX. I had already reviewed and highlighted the entries and find that many are fraudulent as already reported to Wells Fargo on XX/XX/XXXX. Most of the entries were from a card that was reported stolen. Please also note that a payment on XX/XX/XXXX and XX/XX/XXXX XXXX have been suspicious and did not originate from cardholder, but from consolidator contracted to resolve account balance on Wells accounts. Instead the XXXX parties added unauthorized charges to bring the account well above previous card limits. 

Please note that the cardholder in this action had already submitted documentation in XXXX, that they were a victim of identity theft as reported to FTC, CFPB and federal authorities. An account was established with XXXX shortly thereafter to protect against future issues. 

I do not believe the entire debt is accurate nor my responsibility. Under the FAIR DEBT COLLECTION ACT, I have the right to request and receive validation of the debt including but not limited to a copy of all of the following : -An explanation of what this alleged account balance is for? 
-A calculation of this balance, including the complete payment and alleged charge history of this account. 
-Documentation that shows I agreed to pay this debt. 
-An original signed contract that allows you to collect this alleged debt. 
-A copy of notice of any re-assignment of debt form the original lender with my consent to re-assignment. 
-A copy of your state license, including license number, and your authority granted to collect said debt. 

I further demand that you cease and desist constant harassment and phone calls. 

THIS ACCOUNT REMAINS IN DISPUTE. 

While it appears as though some adjustments and credits have been applied, there are significant fraudulent charges, many from out of area, in previous statements that were reportedly made from stolen card. A thorough review of the enclosed statements resulted in shock at the apparent abuse of this account. These charges are highlighted in attached documentation. I have already notified XXXX and other vendors of fraudulent use of my accounts. Additionally, some of the alleged XXXX purchases appear to be gift cards ; due to the nonrefundable and suspicious nature of Gift Cards, it is not typical not practical for a senior citizen to purchase. Please notify me via XXXX if any other documentation is needed to verify.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Sir or Madam, Product : Disputed credit card charges Sub-product : Disputed credit card charges Issue : issues paying disputed credit card charges Sub issue : hardship repaying disputed credit card charges Consumer complaint narrative : I am writing to you due to fraudulent charges on a XXXX Barclays credit card. 
I am a senior citizen who has been taken advantage of. I was involved in a presentation with XXXX corporation in XX/XX/year>. 
After an extensive, unusually long, extremely high pressure sales process for a vacation package, I was offered a Barclays credit card to use for anything I wanted to purchase in order to offset the cost of the maintenance fees associated with the vacation package. I was told that by using this credit card as much as I could, would gather enough points every month to cover the maintenance fees for this timeshare vacation package. 
I did not realize that I was being charged over {$13000.00} on this credit card for, what I recently discovered, was a down payment for said vacation package. I obviously did NOT understand what was taking place or I would not have agreed to this! 
After discovering this, I certainly can not use this card for any other purchases to offset maintenance fees. 
In good faith, I have attempted to keep up payments on this card, but it has proven to be a hardship and I can no longer make the payments. My husband and I are both retired, living on social security and are raising XXXX grandchildren. It has come down to either paying our regular bills and buying food or continuing to pay this credit card. 
I have contacted Barclays in writing and am waiting to hear back from them. 
I would like to report XXXX for Elder Abuse. They were deceitful and unethical. I am hoping that you will help to remove these charges and cancel this card as I can not keep up with the payments and really did not want another credit card! 

Thank you for your time, consideration and understanding.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is not mine and is being reported inaccurately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for reporting a bankruptcy on my credit report without providing valid verification or proof from any court in the State of XXXX  or the United States. 

TransUnion has failed to produce any documentation or court records that verify the existence of this alleged bankruptcy. I have contacted the appropriate courts, and no such bankruptcy record exists under my name or Social Security number. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to verify the accuracy of any information they report. If they can not obtain proper verification, they are required to delete the disputed item. Additionally, U.S. bankruptcy courts do not directly report to or verify with credit bureaus ; therefore, TransUnion can not claim verified proof of this bankruptcy from court records.

I am requesting that the CFPB investigate TransUnions failure to properly verify this account and ensure the immediate removal of the inaccurate bankruptcy entry 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