vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$4300.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$8900.00}

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 2025-10-09 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-10-09 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: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$720.00} XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$280.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-10-09 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: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation 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 explanation
Consumer complaint received 2025-10-09 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its establishment or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: DE

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 explanation
Consumer complaint received 2025-10-09 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: DE

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 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 2025-10-09 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:
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: MD

Complaint narrative:
To Whom It May Concern : I am formally disputing the continued reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that has been legally extinguished by a court dismissal with prejudice on XX/XX/XXXX, by the XXXX XXXX XXXX Maryland for XXXX XXXX XXXX ( Case No. XXXX ). 

This dismissal constitutes a final judgment on the merits, legally prohibiting any further reporting, collection, or representation of this account as active, charged-off, or in default. The debt was nullified when XXXX voluntarily dismissed the lawsuit with prejudice after I invoked my arbitration rights under the Federal Arbitration Act ( 9 U.S.C. 116 ).

Violations Identified : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information.

The bureaus continue to display this tradeline with derogatory and charge-off notation despite legal extinguishment.

2. FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct reasonable reinvestigation.

Any verification with the furnisher would reveal the case was dismissed with prejudice and therefore unenforceable.

3. FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable information.

Once notified that the account is legally invalid, the bureau must delete, not update, the tradeline.

4. FTC & CFPB Precedent : Continuing to report a debt after legal invalidation is considered deceptive reporting ( see CFPB XXXX XXXX XXXX XXXX, XXXX and FTC XXXX Equifax, XXXX ). 


5. Metro 2 Compliance : After dismissal, the furnisher must report the account as Paid/Settled/ {$0.00} balance with Compliance Condition Code E ( disputed/closed ).

Reporting Charge-Off violates Metro 2 Field 17A ( Account Status ) standards.

Requested Resolution : I request that your bureau : 1. Permanently delete all data related to the XXXX / XXXX XXXX XXXX XXXX account ; XXXX. Cease reporting the account across all databases ; and XXXX. Submit confirmation only through the CFPB Complaint Portal, not by postal mail to my residence. 




Evidence Provided : Court Order : Line of Dismissal With Prejudice ( XX/XX/XXXX ) Current credit report screenshots showing continued reporting Proof of identity ( attached ) This letter serves as an official dispute under 15 U.S.C. 1681i ( Reinvestigation ) and 1681s-2 ( b ) ( Furnisher duties ). Failure to correct or delete the account within 30 days will constitute a willful violation of the Fair Credit Reporting Act and CFPB Regulation V, exposing your bureau to liability under 616617. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NY

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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB/BBB, I am writing to formally complain about Wells Fargos repeated failure to resolve my credit card disputes and their unprofessional conduct during communication. My Wells Fargo credit card ends in XXXX XXXX XXXX XXXX XXXX, and I have filed multiple disputes related to XXXX transactions where the merchant violated their free returns policy.

1. Dispute Details- Dispute Number XXXX : Transaction amount {$16.00}, posted on XX/XX/year> ( XXXX XXXX ID : XXXX ). 

- Dispute Number XXXX : Transaction amount {$44.00}, posted on XX/XX/year> ( XXXX XXXX ID : XXXX ). 

In both cases, XXXX advertised free returns within 90 days but refused to provide a free return label, violating their own policy. I initiated disputes with Wells Fargo as required.

2. Wells Fargos Unlawful Neglect and Unprofessional Conduct- I followed Wells Fargos instructions and called their dispute line at XXXX several days ago to submit all requested information. 

- Despite this, Wells Fargo failed to process the disputes. When I called again to follow up, a representative falsely claimed poor phone signal to end the call and has not returned my call, deliberately avoiding resolution. 

- This behavior violates the Fair Credit Billing Act, which mandates credit card issuers to promptly and fairly investigate disputes. Wells Fargos inaction and unprofessional communication demonstrate a disregard for consumer rights.

3. Request for Action I urge you to investigate this matter and require Wells Fargo to : - Immediately process my disputes and issue full refunds for {$16.00} and {$44.00}, as the merchant violated their free returns policy. 

- Address their unprofessional conduct ( deliberate call termination without follow-up ) and ensure compliance with consumer protection laws. 

Enclosed ( or attached digitally ) are supporting documents : - Screenshots of Wells Fargos dispute notices ( requiring Call Us action ). 

- Screenshots of XXXX free returns policy and their refusal to provide a return label. 

- Documentation of my attempted follow-up calls Thank you for your urgent attention to this matter. I expect Wells Fargo to be held accountable for their failure to resolve disputes and unprofessional behavior. 

Sincerely,

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 2025-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: OR

Complaint narrative:
I was looking to do a cash out refinance loan with Mutual of Omaha. During this process, they had my home appraised.While waiting for the appraisal report, I decided to go with another company. When the appraisal came in, Mutual of Omaha had transferred my file over to the new mortgage lender. The new lender told me my home appraised at {$440000.00} which is way lower than expected and that I do not qualify for the refinance. I verbally asked my new lender for the appraisal report and they said they didnt have it. So 2 months later, out of frustration, because I had paid {$800.00} for an appraisal I never received, I asked Mutual of Omaha to provide that to me. They said since they had transferred my file over to the new lender XXXX lending, that I needed to go to them. So I did, and within moments I had the appraisal report. When I viewed the appraisal report, there were errors made like the number of bathrooms was incorrect, they did not note I had central air, a sump pump and driveway. This could have increased the value of my home had the lending company caught those errors. Frustrated, I told XXXX if we could do an ROV. But they said since Mutual of Omaha used their appraiser, that they had to do it. But then Mutual of Omaha pushed back and said that since the loan has been reassigned to XXXX, then they were to do it. They were going back and forth and now Im stuck with an incorrect appraisal of my home which I finally received 2 months later. This is poor and unethical practice on both lending companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of recent complaints and regulatory attention surrounding the platforms consumer protection practices. Despite using Chime numerous times and promptly reporting unauthorized or disputed transactions, my claims were not properly investigated. I was informed that recovering the lost funds was not possible and that tracking or verifying these transactions could not be done. a troubling lack of accountability and transparency. Consumers rely on Chime to safeguard their money and address issues fairly, yet the companys failure to take appropriate action leaves users vulnerable to scams and financial losses. Such inaction undermines confidence in Chimes commitment to protecting its customers and ensuring a secure banking experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
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. 

XXXX XXXX XXXX  XXXX - List of Unauthorized Inquiries : 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 item 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 ) ( 1 ) 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