vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-07 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 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: Synovus Bank
State: NJ

Complaint narrative:
On XX/XX/year>, I sent certified letters to the company regarding inaccurate information on my credit report that does not belong to me and appears to belong to someone else. The letters were received, but I did not receive any proper investigation updates or supporting documentation. Instead, the only response was a change on my credit report, with no explanation or verification. This does not meet the requirements for a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I contacted a person in a XXXX XXXX called XXXX XXXX regarding a puppy for XXXX. I was told the puppy would cost {$600.00}, so I paid that. Then I was told the puppy would be dropped off and shipped to me from XXXX via XXXX XXXX XXXX  ( At the time of writing this the website is still up and should be shut down ) Once there a " XXXX  '' texted me and said I would have to pay {$800.00} for an electric crate to keep the dog cool and {$1000.00} for insurance in case the dog dies in transit. Both made sense to me, so I paid the {$800.00} and {$500.00}. I never sent the other {$500.00} as I grew suspicious. I started to do some digging on the website and noticed some things didn't look right. I immediately called the bank to stop the two payments as I realized this was a scam. I put in a claim to Wells Fargo, and it has been denied. I gave them all the information regarding the website and phone number. I have reported this to XXXX XXXX XXXX in GA and in turn, they reported to the authorities, and I also filed a fraud complaint to the FTC. The email the money was sent to us XXXX, also associated withe following phone numbers XXXX and 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I dispute numerous, and mail me undone reports. Which is currently incomplete XXXX XXXX XXXX XXXX XXXXXXXX denied of a loan which equity reported I have a collection, unpaid bills and car loan, personal loans and student loans and store credit cards. One thing is the protection financial protection bureaus protecting equivalent cause I mention this throughout my other complaint that am complaint I need to verify and confirm what in my record and suppleid this agency letters, documentation. My Report is still the same as it is. Cause to attentive my identity their question is ; car loan, personal loan, student loans, and mortgage from XXXX thru XXXX which is through mainland banks, and am here the XXXX XXXX territory which Is XXXX. 
It means CFPB is lacking good judgement or dont give a care.am protecting equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint due to repeated and suspicious derogatory entries being added to all 3 of my credit reports. Every time my credit score improves and approaches or exceeds XXXX, a previously removed or unverified negative account is suddenly re-reportedoften without proper notice, validation, or explanation. 

I have disputed these entries multiple times with the credit bureaus and/or the debt collector, and in some cases, the accounts were removed. However, the same or similar accounts are later reinserted, causing significant damage to my credit and preventing me from making financial progress. 

I am requesting a full investigation and that any unverifiable or improperly reported item be permanently removed from all credit reports. I am also requesting accountability for the repeated negative impact this has had on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint due to repeated and suspicious derogatory entries being added to all 3 of my credit reports. Every time my credit score improves and approaches or exceeds XXXX, a previously removed or unverified negative account is suddenly re-reportedoften without proper notice, validation, or explanation. 

I have disputed these entries multiple times with the credit bureaus and/or the debt collector, and in some cases, the accounts were removed. However, the same or similar accounts are later reinserted, causing significant damage to my credit and preventing me from making financial progress. 

I am requesting a full investigation and that any unverifiable or improperly reported item be permanently removed from all credit reports. I am also requesting accountability for the repeated negative impact this has had on my credit profile.

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 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number:XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year>2021 Merchant name : XXXX XXXXXX/XX/XXXXAmount charged : {$7100.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute.

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number:XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/2021 Merchant name : XXXX XXXX XXXX XXXX  Amount charged : {$7100.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I do not remember opening these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-07 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 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: DC

Complaint narrative:
The XXXX XXXX XXXX account from XXXX XXXX  was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX XXXX. Please correct the status, the balance and block this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MA

Complaint narrative:
My identity was stolen in 2022 and used for various of things. They applied to apartments and credit cards under my name and I have since removed all false accounts and filed as well.

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 2025-05-07 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: TX

Complaint narrative:
Re : Dispute of Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXXExperian XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the above-referenced account reported on my credit file. This account fails to comply with the * * Metro 2 Credit Reporting Resource Guide * * standards, and I request its immediate deletion due to the following violations : XXXX. * * Inaccurate Dates of Activity * * - The " Date Last Active '' ( XX/XX/XXXX ) and " Last Reported '' date ( XX/XX/XXXX ) are * * future dates * *, which is illogical and violates Metro 2s requirement for * * factual and chronological reporting * *. 
- The " Date Opened '' is inconsistently reported as XX/XX/XXXX ( TransUnion  ) and XX/XX/XXXX ( Experian ), creating confusion and demonstrating a lack of data integrity. 

XXXX. * * Misrepresentation of Payment History * * - The payment history table lists " CO '' ( Charge Off ) for all months, yet the " Date of Last Payment '' is listed as XX/XX/XXXX. This inconsistency violates Metro 2s mandate for * * clear and accurate payment status reporting * *.

- TransUnions payment history is entirely blank, while Experians is improperly labeled ( " repertin '' instead of Experian ), breaching Metro 2s formatting and clarity guidelines. 

XXXX. * * XXXX XXXX XXXX * * - The " Bureau Code '' is erroneously listed as " Secured loan '' instead of identifying the respective credit bureau ( e.g., TransUnion or Experian ). This mislabeling violates Metro 2s standardized coding requirements. 

XXXX. * * Failure to Update Account Status * * - The account is marked as " Collection/Chargeoff '' but lacks a valid last activity date, rendering the status misleading and non-compliant with Metro 2s rules for closed accounts.

Under the * * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 * *, you are obligated to investigate and correct inaccurate information within 30 days. I have attached supporting documentation, including the credit report snippet highlighting these discrepancies.

* * Requested Action * * : - * * Permanently delete * * this account from my credit file due to systemic Metro 2 violations. 
- Provide written confirmation of the resolution and an updated credit report. 

Please contact me promptly if further information is required.

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 2025-05-07 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: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief