vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-14 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: LA

Complaint narrative:
I am the victim of identity theft and have filed an official FTC Identity Theft Report dated XX/XX/scrub>XXXX XXXX XXXX  ( attached ). Despite previous disputes and evidence submissions, Equifax continues to report fraudulent and inaccurate accounts that do not belong to me. 

The following items remain on my Equifax credit report and were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account ending XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX  Account Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Dated XXXX XXXX XXXX XXXX These accounts and inquiries were opened or reported without my knowledge or consent. I am a verified identity theft victim under FCRA 605B and FACTA 112, and Equifax is required to block and delete all fraudulent information from my credit report within four ( 4 ) business days of receiving my FTC Identity Theft Report and proof of identity.

I have already submitted disputes through Equifaxs fraud department, but these items remain. This ongoing inaccuracy is harming my credit standing and violates my consumer rights under federal law. I am requesting CFPB intervention to ensure Equifax removes these fraudulent accounts and inquiries immediately in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am requesting the immediate and permanent deletion of this account from my credit report. The information being reported is inaccurate, unverifiable, and causing ongoing harm to my consumer profile. The company has not provided valid proof of the debt, nor any documentation that meets FCRA verification standards. 

Because the account can not be fully validated, the only fair resolution is for the company to remove this account from all credit bureaus immediately and provide written confirmation that the deletion has been completed. I also request that no further reporting, collection activity, or reinsertion of this account occur at any time in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I found a hard inquiry from Capital One on mXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, but I did not apply for any credit, submit any application, or authorize Capital One to access my credit file. This means Capital One obtained my report without a permissible purpose, which violates FCRA 604 ( a ). This unauthorized inquiry has negatively affected my credit score and was not initiated or approved by me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2025-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-14 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: LEXISNEXIS
State: IL

Complaint narrative:
Date : XX/XX/XXXX YOUR FULL NAME : XXXX XXXX YOUR FULL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Bankruptcy File/Docket # : XXXX & XXXX According to the FCRA, in order for you to furnish the alleged XXXX XXXX XXXXXXXX public record, you would need to be able to both VALIDATE and VERIFY the information with the original creditor. The XXXX XXXX XXXX would be the creditor to furnish this information and they have already stated in writing that they do NOT furnish any bankruptcy information to ANY consumer reporting agency including the 3 major bureaus and secondary agencies such as LexisNexisXXXX XXXX XXXX XXXX and similar companies. 

The XXXX XXXX XXXXXXXX has also confirmed that it is not within their policies or obligations to validate any public records. After confirming this with the XXXX XXXXXXXX, I also spoke with LexisNexis, and your own representatives confirmed that you were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the above-mentioned information, LexisNexis is now violating my federally protected consumer rights. In addition to that violation, you are also committing furnisher fraud, since you claim to have verified this bankruptcy but your alleged sources deny supplying or validating the information.

Should you need a reminder, please refer to : 15 USC 1681 ( a ) ( e ) 15 USC 1681c ( a ) I DID NOT give you direct or indirect permission to furnish inaccurate, unverifiable, or fraudulent information on my consumer file. 

These Are the False Bankruptcy Entries You Must Delete : Federal File # XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX File # XXXX Bankruptcy I am hereby demanding that both entries be permanently removed from my consumer file within 30 days from the date you receive this letter. 

If you choose to be negligent in rectifying this matter, I will file a formal complaint with the CFPB, and I will initiate monetary arbitration in small claims court against LexisNexis for violations of federal law. 

Warm Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Chime Financial Inc
State: MI

Complaint narrative:
Hello, I am filing this complaint because I was continually denied for disputed claims on my Chime account ending in XXXX. There were several unauthorized transactions on my account while I was incarcerated during the time frame the transactions were placed. 

I submitted documentation providing proof of incarceration and a police report with a written statement letter explaining why I was unable to make those unauthorized transactions on my account, but I was continually denied because they said a XXXX XXXX  was used in the transactions, but it was impossible for me to use the actual debit card while incarcerated during the whole time the debt card was being used. 

After numerous attempts, rebuttals and with the length of time that has been drawn out, I have exhausted all ways to get the bank to cooperate with me in returning my funds. I would like someone to help me out in this matter, please. It's been quite traumatizing to keep having to relive and bring to surface all of the terrible incidents that occurred during that time while I was falsely accused and detained for 10 months of my life for something I did not do, so having to relive all of this just has been completely stressful, and to be reminded of all that I have lost during that time is very depressing, and I just want have it resolved after all this time and over and done with so that I can move forward in my life. 

Claim XXXX XXXX XXXX XXXX XXXX  amount {$3000.00}, and Claim XXXX XXXX XXXX XXXX XXXX  ) amount {$1800.00}. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX AUTO - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX BANK XXXX Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OK

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. 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.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-14 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: FL

Complaint narrative:
I am disputing the information listed on my TransUnion credit report. The inquiries and late payments shown below are being contested. Please investigate these items and ensure my credit report is corrected accordingly. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : No positive accounts to dispute at this time. 

Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Dispute : Late payment history )

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 2025-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MoneyLion Inc.
State: CO

Complaint narrative:
During XXXX, I defaulted on a Money Lion payday loan due to COVID-19. I attempted to settle the debt and get it off my credit report but received no response, no type of communication or contact. However theyve been reporting late payments without giving me a chance to resolve my account. I tried calling multiple times, tried emailing, and no one has responded. I want to pay the debt and be through with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DE

Complaint narrative:
I am writing to file a formal dispute regarding inaccuracies in the reporting of my credit file. The following accounts are in dispute with each of the three major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts are reported incorrectly, and I am requesting that the bureaus thoroughly investigate and correct these errors. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/year> Balance : {$4600.00} Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
It gives an untrue depiction of my financial ideals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CT

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Dispute of Joint Account Authorization Due to Fraud, Coercion, and Financial Exploitation I am formally disputing Wells Fargos determination regarding the joint accounts ending in XXXX, XXXX, XXXX, and XXXX. 

While Wells Fargo states that I signed Relationship Change Applications to add XXXX XXXX as a secondary owner, my signature was obtained under duress, coercion, manipulation, and misuse of his position of trust. My consent was not freely or voluntarily given, and therefore the account ownership structure is voidable under Texas law, federal consumer-protection statutes, and general contract principles requiring voluntary assent. 

Upon information and belief, XXXX XXXX used his authority as my employer, former romantic partner, and legal advisor to exert undue influence and pressure over me. At the time I added him, I did so because of coercive threats, manipulation, and abuse, not because I intended to grant him unlimited access to all funds I earned.

Wells Fargos conclusion that each co-owner has complete control does not address the central issue : the co-ownership itself was obtained through fraud and coercion, voiding any authority he exercised over the account.

I am requesting : 1. A full investigation under federal financial exploitation guidelines.

2. An internal review of transactions executed by XXXX XXXX inconsistent with my financial behavior.

3. All documents, timestamps, and IP logs associated with withdrawals and transfers.

4. Reimbursement for funds removed through fraudulent or coercive means.

5. A freeze on any remaining accounts or lines of credit connected to these fraudulent additions.

I will also be submitting this dispute to : CFPB OCC Texas Attorney General Consumer Protection Division Local law enforcement for financial exploitation Wells Fargo is required to consider evidence of duress, coercion, undue influence, fraud, and financial abuse, regardless of boilerplate joint-account rules.

I request written confirmation of receipt and a full investigation into this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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