vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/year> I noticed an account, XXXX XXXX XXXX, had reported false information to my Experian 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 non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I issued an invoice using square an app that offers customers multiple ways to make payments. So upon my customer making the payment square immediately deactivated my account and said they cant support my business. They proceeded to tell me that they will hold my money for 90days which is very unprofessional they said the deemed the transaction as fraudulent. So I asked them to send the money back to my customer so they can pay me using a different method. They wont let me issue a refund to my customers. They then told me my customer would have to call there back to iniate a refund which they have done 2-3 times already square immediately took there fee out of the money that they considered a fraudulent transaction and locked my account not giving me access to to my money they have caused damages and lost wages with this unprofessional business practice they are using. Upon filing a XXXX  complaint I noticed that they have done this to quite a few people who pay to use there service I would like them to release my money immediately. They havent tried to verify the check with the bank or with my customer as all of the information is listed on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
Dates : XX/XX/year> I closed all accounts with XXXX, paid off the amount that was told to meMonths later I received a bill, I called inquiring and disputed the charges .. I indicated I didnt owe anything .. Now I received a letter from a collection agency. I have no intention of paying it. Its not much, but more than I want to pay for services I didnt authorize or receive. With late charges the amount escalated to {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX my mother died. On XXXX, I submitted an inquiry with Wells Fargo through their estate division. I provided the death certificate, letter of administration appointing me as XXXX of the estate, and identification proving my identity. I requested annual statements of the account my mother had with Wells Fargo, which was originally a trust ( of which she was the beneficiary ). 
They provided several annual statements, the last of which showed that all of the money in the account was disbursed XXXX months after my mother died. When I requested information about where that money had gone, Wells Fargo employees claimed that they had no record of an account with the account number provided by me AND which was present on the annual statements they provided me. 
Next, I was referred to the unclaimed property division, who told me they only had less than 1 % of the account 's value sitting with unclaimed property in XXXX. 
Obviously this was not satisfactory, so I was referred to a local Wells Fargo branch in Colorado where I live. I worked with a person face to face who was told the same information that there was no record of an account with the account number given in Wells Fargo 's records. 
On XX/XX/2025, my attorney submitted 3rd party discovery request to Wells Fargo, which obtained no response. 
Since then, I have lost access to the XXXX XXXX through which I was communicating with two account representatives from the estate division at Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
This number calls me repeatedly in the same day, and this occurs every single day. Each time its a different person and the voice message left is a bit aggressive by stating that they will have no choice but to take me to court if I dont call them back immediately. I have spoken to others, including attorneys and they have stated that this is a scare tactic. I have screen shots of the call log from XXXX and on Saturday, 3 calls, XXXX, XXXX and then around XXXX. This has to be harassment. They leave a voice message but dont even identify the company theyre calling from or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I added money {$50.00} to my chime card today and before I even walked out of the store chime took it for some XXXX  repayment from last XX/XX/XXXX. Im disputing the transaction from XX/XX/XXXX but no one seems to know how to refund my money that was taken today. And 2 different supervisors hung up on me today without resolving my situation. I was on the phone a total of XXXX hours today and transfer to at least 10 different people with no help or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to file a dispute concerning the accuracy of the information being reported by the credit bureaus. Below is a summary of the accounts in dispute : Inquiries 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 Late Payment Accounts 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 2025-11-18 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: VA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, as they contain inaccuracies and inconsistencies that need to be addressed. Below, I have outlined the details of the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, as they contain inaccuracies and inconsistencies that need to be addressed. Below, I have outlined the details of the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
my son was never late on his student loan payment now they have put it on my credit report two late payments. First he was in forbearance and then when it was time for him to pay, he set up and auto draft to be taken out of his account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing XXXX  and ongoing XXXX  to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay. 
Resolving this issue is not just necessary it is absolutely critical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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