vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
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. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX totaling {$31000.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX totaling {$200.00}, XXXX education credit accounts opened at XXXX XXXX  on XX/XX/XXXX totaling the amount of {$15000.00}, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX totaling {$31000.00}, a collections account opened at TRUEACCORD CORPORATION on XX/XX/XXXX totaling {$200.00}, XXXX education credit accounts opened at XXXX XXXX  on XX/XX/XXXX totaling the amount of {$15000.00}, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information currently being reported on my credit file. This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to report only accurate and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
During the month of XXXX! Trump allowed Elon Musk and Dodge access to my private data which directly violates the contract between myself and the department of education known as XXXX! I never given my consent nor agreed to have my personal information shared with someone nor department that was never appointed by the United states government. I am disgusted and feel my rights as an American have been extremely violated. Not only was my data that should have been protected by all costs but allowed someone who was never meant to see, read, or even copy my data access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and unverifiable information regarding a XXXX XXXXXXXX account ( partial number XXXX ), which has been listed as a charge-off for over 20 consecutive months with no updates, no payments, and no clear evidence of ongoing collection. 

The reporting is also inconsistent across credit bureaus. While XXXX marks the account as sold to another lender, Equifax still reports it as if it is actively owned by XXXX XXXXdespite the fact that no activity has occurred since the charge-off began. 

I previously disputed this account, yet no documentation or validation has ever been provided to support the continued charge-off status. The account continues to be reported as derogatory each month, without any new developments, which creates a misleading and punitive record on my credit file. 

This practice violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires that data reported be accurate and up-to-date.

15 U.S.C. 1681i ( a ) : Mandates deletion of data that can not be verified after a dispute.

15 U.S.C. 1681s-2 ( b ) : Prevents furnishers from continuing to report unverifiable or outdated information.

Federal case law reinforces this right : in Cortez v. Trans Union ( 617 F.3d 688 ) and Seamans v. Temple University ( 744 F.3d 853 ), the courts held that if information can not be verified, it must be deletedwithout exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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 2025-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NJ

Complaint narrative:
My XXXX XXXX XXXX was issued with the wrong name. This issue is probably related to the same error that was in my SSN. All my documents are already corrected. I contacted customer service to reissue the card with the correct name, then XXXX XXXX  blocked my card and for several months now I have not been able to get my money. When I call customer service they tell me to send my ID for verification, every time I send my ID ( not expired, with photo and address, issued in NJ ) they can not verify my ID and refer me to SSA. SSA agents tell me that they do not know what to do. I have contacted SSA three times already. It seems that no one wants to take the time to understand my problem. I am going around in circles. I have already opened an account in a new bank and changed the payment method for XXXX but my money for 3 months is still in XXXX XXXX. If they can't issue a new card with the correct name, then have them refund the sender or send me a check. Is this really such a complex problem that it can't be solved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Response is totally unacceptable. Any factors or circumstances that cause us to doubt that a deposited check will be paid by the institution on which it is drawn. 
The deposited check exceeded {$5500.00}. 
The length of time the deposit account has been open. For example, if the account was opened recently. ( 27 Years on returned checks, average balance over XXXX ) The frequency of overdrafts or returned checks on your account ( XXXX ) Wells Fargo used my money without paying interest for almost 10 days. 
They should have rejected online deposit and allowed me to negotiate the check with my customers bank. 
They took advantage of their position and held my money for the full extent the law allows. I requested that they verify that the funds were released and management refused. 
Two weeks later, I felt that the retaliated for my complaint and starting holds on all online deposits. Management assured me that was not true and next time there is a hold, call him and he will check daily until the funds are available. 
It should not be left to chance. Wells Fargo is taking my control of my money away and limiting my access in loop holes, I am considering contacting my Senator and XXXX XXXX to inform them on the Controller of Currency 's allowance of the fox to guard the henhouse. I am XXXX and angry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and structurally inconsistent information regarding a charge-off account from XXXX XXXX XXXX  ( partial account number XXXX ). 

The account is listed as charged-off with a {$0.00} balance and marked account transferred or sold, which is already a contradiction in status. 

No payment activity is reported after XX/XX/XXXX, yet Equifax still reflects delinquency and charge-off activity well into early XXXX. Additionally, the record lacks data for several months and contains no actual activity to justify continued derogatory reporting. 

I conducted a XXXX XXXX audit, and the structure of this accounts reporting is deficientmissing standard coding, incomplete payment timelines, and noncompliance with FCRA accuracy requirements. 

I previously disputed this with no documented validation from the furnisher. Therefore, XXXX continued reporting violates : 15 U.S.C. 1681e ( b ) : Requires information to be accurate and completethis account is neither.

15 U.S.C. 1681i ( a ) : Mandates deletion of data that can not be verified.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from continuing to report unverifiable or inconsistent data. 

According to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX University, courts have ruled that credit reporting agencies must delete unverifiable data following a disputeno exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inaccurate and unverified information about a XXXX XXXXXXXX account ( ending in XXXX ) that has been listed as charged-off for more than 20 consecutive months with no updates, payments, or active collection efforts. 

The reporting is also inconsistent across credit bureaus. TransUnion lists the account as sold to another lender, while XXXX and XXXX  continue to report it as if it remains under XXXX XXXXXXXX XXXX ownershipraising serious doubts about the accounts status, ownership, and accuracy. 

I previously disputed this account, yet no supporting documentation has ever been provided to validate the continued charge-off reporting. The monthly updates showing no change in status are punitive and misleading, especially given the lack of activity or resolution. 

These issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires all credit data to be accurate and current. 

15 U.S.C. 1681i ( a ) : Requires deletion of information that can not be verified following a dispute. 

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from continuing to report a charged-off account they no longer own or can not verify. 

This is reinforced by court rulings such as Cortez v. Trans Union ( 617 F.3d 688 ) and Seamans v. Temple University ( 744 F.3d 853 ), which state that if disputed information can not be properly verified, it must be deletedwithout exception.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 IL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief