vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo notified me of an incomplete credit card application made in my name, although not by by me, requesting additional information. I notified them this was a fraudulent application and wanted it to be closed as I have no desire to have any financial dealings with this institution. They would not close the application without providing the very information that blocked the actual account creation.

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 2025-06-14 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: NY

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Until XXXX weeks ago, my credit with Equifax has been about the same with the other companies ( XXXX ). Suddenly, Equifax 's XXXX dropped my credit score by XXXX points with no reason. It is impossible to get someone from Equifax to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
Please see attachments. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 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: GA

Complaint narrative:
Please see attachments. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear TransUnion, This is my XXXXXXXX request for details of the procedure you followed when XXXX sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX days. Where is it? 
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 non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
Please see attachments. 

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 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: GA

Complaint narrative:
Please see attachments. 

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 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: DISCOVER BANK
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$15000.00} and credit limit fees you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ].

You are hereby notified that Formal dispute inaccurate credit reporting of Fees/Late payments on CLOSED CREDIT CARD ACCOUNT. 
Dear Discover, I am writing to formally dispute inaccurate and potentially unlawful information your company is reporting to the credit bureaus regarding my account. Credit card issue ; Account is reported as late in 2025, despite being closed Your reporting shows that I'm currently late on this account. This is factual inaccuracy and violates the following provision of the Fair Credit Reporting Act [ FCRA ] ; 15 U.S.C. 1681s-2 [ a ] [ 1 ], { A } Obligates furnishers to provide accurate information to credit reporting agencies. 15 U.S.C.168 s-2 [ a ] [ 1 ] { B } Requires correction or incomplete or inaccurate information once identified. 15 U.S.C. 168 1i [ a ]. Mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C.168 s-2 [ b ] ; Requires furnishers to investigate disputes forward by credit reporting agencies and update or delete information accordingly. Reporting late payments on a closed account is inaccurate and misleading, which damages my creditworthiness unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was doing a payment i did not notice I was using a card that it was not working because I switched my job and was a pay card and my payment was returned and they closed my account that I have since 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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The credit card was obtained by my spouse with my social security number without my knowledge and consent. My wife died from XXXX in XX/XX/year>. I first learned of this card in her XX/XX/year> statement. Citibank initially said that I was not responsible for the account balance due to the unauthorized use of my SS number. However, in XX/XX/year>, I was notified after their investigation that, now I am responsible for the account debt. There reasoning is that we lived at the same address. This is flat out wrong. It is illegal for anyone to use another person 's ID to obtain a credit card.

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 2025-06-14 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I am submitting this formal complaint and dispute regarding the inaccurate and non-compliant reporting of a collection account by CCI ( Collection Company of America ), appearing on my XXXX credit report under account number XXXX. 

This collection account is not the original creditor and was purchased by CCI, thus making them a third-party debt buyer. As such, they are required to comply with strict legal and reporting standards under FCRA, XXXX XXXX Format, and CDIA guidelines.

Upon reviewing the credit file data, I have identified multiple material violations, including but not limited to the following : Violations Identified : 1. High Balance Reporting ( XXXX XXXX The account is inaccurately reporting a high balance of {$160.00}, which exceeds the original amount. This misrepresentation is a violation of accurate reporting obligations under the FCRA ( 623 ) and XXXX XXXX 
2. Date Reported ( XXXX ) and Date of First Delinquency The account shows a Date Reported of XXXX, and a last activity date of XXXX, both of which are false. This inconsistency violates 607 ( b ) of the FCRA, which requires data furnishers to maintain maximum possible accuracy.

3. Dispute Status ( XXXX ) The dispute indicator ( Y ) appears, yet the data remains unchanged and uncorrected despite the dispute being filed. The failure to investigate and update accurate data is a violation of 611 of the FCRA.

4. Creditor Type CollectionServices This account is improperly labeled and coded under CollectionServices, which does not meet XXXX XXXX Format reporting requirements. The format must reflect correct classification standards and not misrepresent a debt buyer as an original creditor or misstate account type. 
XXXX. Account Status ( XXXX ) Collection/Charge-off with Open Loan Type Reporting an account as Open with a charge-off status violates XXXX XXXX guidelines and misleads future lenders. A charged-off or sold account can not remain open.

Applicable Legal References : FCRA 607 ( b ) Ensures consumer reporting agencies follow reasonable procedures for maximum accuracy.

FCRA 611 Mandates reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers may not report information known to be inaccurate. 
Henson v. Santander, 137 S. Ct. 1718 ( 2017 ) Clarifies that debt buyers must meet all requirements under the FDCPA and FCRA.

Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ) Confirms liability for negligent and willful reporting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts : XXXX XXXX  XXXX Account XXXX, Amount XXXX, date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number XXXX, Amount XXXX date opened XX/XX/XXXX XXXX XXXX XXXX, Account number XXXX, Amount 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 2025-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MO

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Capital One, I am writing to formally dispute information you have on file regarding my credit history with your company. 

You have repeatedly denied my applications for a XXXX card, stating that there is a prior history on file that does not satisfy your policies for cardholders. However, I want to make it very clear : I have never applied for or opened a Capital One XXXX card in my adult life. 

If there is a credit history on file with your company, it was fraudulently opened without my knowledge or authorization. I have never received, used, or knowingly held a Capital One XXXX  card. 

If you believe otherwise, then I am demanding that you provide written or verbal proof of my authorizationincluding a signed application or documented verbal consent. If you can not provide legitimate proof that I applied for and accepted credit from your institution, then I am requesting that you : Remove any inaccurate or fraudulent account history associated with my name from your system. 

Cease using this incorrect history as a reason for denial. 

Reconsider my application based on accurate, updated XXXX information. 

This situation is not only preventing me from rebuilding my credit, but it also feels like XXXX XXXX XXXX XXXX through the retention of false data. Again, I have no knowledge of and never authorized any Capital One XXXX account. 

I am asking that you correct this issue promptly. If you are unable or unwilling to do so, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX  for further investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: LEXISNEXIS
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Rental History on Tenant Screening Report Reason for Dispute : I am filing this complaint to dispute inaccurate and outdated information included in my rental history/tenant screening report. The report lists an eviction or housing court record that has been satisfied, resolved, or was inaccurately reported. 

This entry is misleading and XXXX my ability to secure housing. Specifically : The case in question has been resolved and should not appear as an active judgment or eviction. 
The information is either incomplete, outdated, or incorrectly matched to my name, violating the Fair Credit Reporting Act ( FCRA ) standards for accuracy. 
The reporting agency failed to update or remove the record even after the matter was settled. 
This inaccurate report does not reflect my current rental status or payment history. 

I have contacted the screening company and/or the public records source but the information remains uncorrected. I am requesting that the CFPB investigate this matter and take action to ensure the incorrect rental information is removed or corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Capital Management Services, LP
State: FL

Complaint narrative:
b'Capital Management Services LP,\nXXXX XXXX XXXX XXXX XXXX  NY XXXX\n\nYou reported that I owe XXXX I have never signed any formal document agreeing to this, nor have I given verbal permission to enter into any agreement with your company.\n\nShow me a formal documentI want to see proof that I signed something with XXXX XXXX XXXX  or gave my verbal consent. If you cannot provide that proof, I am requesting that you remove this debt from my XXXX XXXX  immediately and stop all attempts to collect it.\n\nIf you claim I did agree, prove it. If you cant, then you have no legal basis to collect or report this debt, and it must be removed.\n\nThere is no agreement between me and your company. I do not know who you are, and there is no written or verbal agreement between me and Capital Management Services LP.'

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 2025-06-14 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: MN

Complaint narrative:
Subject : Dispute of Inaccurate Delinquency on XXXX XXXX XXXX ( FCRA Violation ) I am writing to formally dispute a 90-day delinquency reported by XXXX and listed on my credit report with your agency, with a delinquency date of XX/XX/year>. 

According to a letter I received directly from XXXX dated XX/XX/year>, my loans were stated to be currently in deferment, and that no payments were due at this time. Based on this written notice, I understood that no loan payments were required at that time. 

However, I have now discovered that a delinquency was reported as if a payment was due on or around XX/XX/year>, which contradicts XXXX own statement in their communication. This has had a negative impact on my credit score and constitutes a potential violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate and misleading credit reporting. 

Attached are the following documents for your review : 1. A copy of XXXX XXXXXX/XX/year> letter confirming deferment 2. A copy of my current deferment status Please conduct a reinvestigation and confirm this correction. If the furnisher can not verify the accuracy of the delinquency in light of this documentation, it must be deleted from my credit file under FCRA guidelines. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief