vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate and unverifiable information that remains on my credit report, despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to delete or correct incomplete, inaccurate, or unverifiable information in a timely manner.

Because of your continued failure to remove these items, I have been denied credit cards and loans, which has caused me financial harm. According to FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are also responsible for ensuring that only accurate data is reported.

Final Notice & Legal Warning I am giving you five ( 5 ) days from the date of receipt of this letter to permanently remove these erroneous items. If they are not removed, I will have no choice but to pursue legal damages under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), which allow for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. I may also file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Please provide written confirmation that the items have been permanently removed. Failure to comply will result in immediate legal 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the presence of inaccurate personal information on my credit report, including names and phone numbers that do not belong to me. This complaint is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

The following names are incorrect and should be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following phone numbers are inaccurate and should also be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX These names and numbers do not belong to me, have never been used by me, and do not reflect my personal identifying information. My correct legal name is XXXX XXXX XXXX, and my current phone number is ( XXXX ) XXXX. 

I am requesting that the CFPB assist in ensuring the deletion of this incorrect information and confirm the credit bureau ( s ) are following the FCRA-mandated accuracy standards.

I request the following actions : Immediate deletion of the incorrect names and phone numbers from my credit file.

An updated, corrected copy of my credit report.

An investigation into the continued reporting of false personal data despite previous disputes. 

Please find enclosed : A copy of my government-issued ID Proof of my current address A copy of my credit report with the disputed items highlighted Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX. XXXX XXXX Enclosures : XXXX of Drivers License

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 2025-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/year> I booked an Alaskan cruise with what was supposed to be XXXX cruise lines. The amount of the cruise was XXXX. I had a XXXX percent off discount from the cruise company due to a previous cruise getting canceled. Unfortunately they didn't give me a code so I had to due the booking over the telephone. an hour after the booking i wanted to check the status with XXXX to make sure everything was good to go.They said I wasn't in there system and told me to contact my bank. the woman that I talked to at wells fargo was named XXXX, she wouldn't give me her full name. at the time I tried to give wells fargo all the information but they were disinterested. the person that I talked to when I booked the cruise was named XXXX at ext ; XXXX telephone # XXXX the person that I spoke to at XXXX cruise line name is XXXX XXXX XXXX Basically I was defrauded out of XXXX and the bank won't refund my money saying it was an authorized transaction. I thought I was protected against fraud and 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 2025-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I have XXXX accounts with Ally Bank. It was under my previous name, XXXX XXXX. 
I changed my name to XXXX XXXX and I changed it everywhere except Ally bank because their process was so difficult. 

I tried once or twice to close my account, but they insist that you call them and I typically got interrupted before I got through to them. 

Today, I decided to try again. I made it through to their agent. I was on the phone about XXXX minutes. ( not terrible ) I verified my identity, told him I wanted to close my accounts, told him where I wanted the money to go, waited for their end, etc. Then he told me that they had to call me back to finally close the account. I told him I was not available generally on the phone, but apparently this is the only process. He wasn't sure what number they would call from. I generally don't accept calls from numbers I don't know. 

I thought banks were required to let you close accounts on-line. I've transferred almost all my money out of the account. If they call when I am unavailable, I will probably just let the money go to the state as unclaimed.

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 2025-06-01 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: MA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-02 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Company is reporting wrong information on my credit report. Wrong amount and Wrong date. The date closed my report is XX/XX/2020. Company is stating XX/XX/2020. Company is also stating the amount owed is {$14000.00}. Amount owed showing on my credit report is XXXX. Company is violating 15 U.S.C. 1681s-2 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 2 ) Duty to correct and update information A person who -- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Upon checking my credit profile. I discovered that there were unauthorized inquiries on my credit report. That was not authorized by me. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I look at my credit report and on XXXX XXXX I saw some in inaccurate so according with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.And according to theses laws : 15 USC 1681 ( e ) ( b ) / 15 USC 1681-5 / 15 USC 1681 s -2 / 15 USC 1681-B ( A ) ( 1 ). XXXXXXXX XXXX # XXXX/XXXX XXXX XXXX XXXX XXXX # XXXX / XXXX XXXXXXXX service # 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 2025-06-01 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: AL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the presence of inaccurate personal information on my credit report, including names, phone numbers and addresses that do not belong to me. This complaint is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g The following address are incorrect and should be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me, have never been used by me, and do not reflect my personal identifying information. My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Despite prior disputes submitted directly to the credit bureau ( s ), these inaccuracies remain unresolved. I am requesting that the CFPB assist in ensuring the deletion of this incorrect information and confirm the credit bureau ( s ) are following the FCRA-mandated accuracy standards.

I request the following actions : Immediate deletion of the incorrect names and phone numbers from my credit file. 

An updated, corrected copy of my credit report. 

An investigation into the continued reporting of false personal data despite previous disputes. 


Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX. XXXX XXXX Enclosures : XXXX of Drivers License

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
I look at my credit report and on XX/XX/year> I saw some in accurate so according to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.And according to these laws : 15USC 1681 ( e ) ( b ) / 15 USC 1681-5 / 15 USC 1681 s-2 / 15 USC 1681 -B ( A ) ( 1 ). 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 non-monetary relief
Consumer complaint received 2025-06-01 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: NV

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number. Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
XXXX XXXX : XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agencies and Equifax, and Experian 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. This fraudulent, inaccurate, and false information consists of personal credit card accounts such as these : Account Name : XXXX XXXX XXXX  : XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Amount Owed {$750.00} ), XXXX XXXX XXXX XXXX : Account Number- XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$460.00} ), XXXX  XXXX : Original Creditor XXXX XXXX : Account Number-XXXX : Opened XX/XX/XXXX, Amount Owed {$7400.00} ), XXXX XXXX : Account Number XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$3900.00} ), Credit Inquiry XXXX XXXX on XX/XX/XXXX, Addresses are that are incorrect is XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX TX, and XXXX XXXX XXXX, XXXX XXXX TX XXXX . Incorrect Jobs such as XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts have resulted in several collections appearing on my consumer FICO credit report. The aforementioned accounts, collections appearing on my credit report maintained byn you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, addresses are a result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complain # XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agencies and Equifax, and Experian 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. This fraudulent, inaccurate, and false information consists of personal credit card accounts such as these : Account Name : XXXX XXXX XXXX  : XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Amount Owed {$750.00} ), XXXX XXXX XXXX XXXX : Account Number- XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$460.00} ), XXXX  XXXX : Original Creditor XXXX XXXX : Account Number-XXXX : Opened XX/XX/XXXX, Amount Owed {$7400.00} ), XXXX XXXX : Account Number XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$3900.00} ), Credit Inquiry XXXX XXXX on XX/XX/XXXX, Addresses are that are incorrect is XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX TX, and XXXX XXXX XXXX, XXXX XXXX TX XXXX . Incorrect Jobs such as XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts have resulted in several collections appearing on my consumer FICO credit report. The aforementioned accounts, collections appearing on my credit report maintained byn you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, addresses are a result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complain # XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-06-01 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
This account has been on my credit for some time and I have requested debt validation but have not been able to get it from either company XXXX or Bridgecrest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below Java violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-01 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: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment and inquiry reporting by Experian related to XXXX  XXXX ( account ending in xxxx ). 
Experian lists the following late payments : * XXXX  days late XX/XX/XXXX * XXXX  days late XX/XX/XXXX * XXXX days late XX/XX/XXXX * XXXX  days late XX/XX/XXXX These are not reflected on all credit bureaus, raising concerns of reporting inconsistency and potential inaccuracy. I have disputed these previously and have not received full documentation validating the late payments. Additionally, inquiries listed under Experian do not appear across all bureaus, which brings into question whether all inquiries were authorized or accurately reported. 
Under the Fair Credit Reporting Act ( FCRA ) : * Section 607 ( b ) requires you to maintain " reasonable procedures to assure maximum possible accuracy. '' * Section 611 requires that unverifiable or inaccurate information be deleted after dispute.

* Section 604 prohibits reporting of inquiries unless there is a permissible purpose.

I also request that outdated addresses and name variations on my profile be corrected, as they may contribute to erroneous reporting. I respectfully request a full removal of these items.

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