vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX  XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$600.00} Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : {$3500.00} INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX INCORRECT PHONE NUMBERS LISTED : 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX  XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$600.00} Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : {$3500.00} INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX INCORRECT PHONE NUMBERS LISTED : 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are several accounts on my TransUnion credit report that appear to be reported in a way that does not comply with the Fair Credit Reporting Act ( FCRA ) or the XXXX XXXX data furnishing guidelines. Ive noticed these issues across multiple tradelines and submitted previous disputes, but the inaccurate reporting continues and is impacting my credit standing unfairly. 

Specifically : A large charge-off account ( originally reported by a federal credit union ) is marked as both collection/charge-off and closed, and still reflects a significant past-due balance. Its unclear whether this account is still being updated monthly, which would be inappropriate if its truly closed. 

Key dates like the Date of First Delinquency ( DOFD ), Date Opened, and Date of Last Activity ( DLA ) appear inconsistent or may be missing. This violates FCRA 623 ( a ) ( 5 ), which requires accurate reporting of delinquency timelines. 

Multiple revolving accounts show credit utilization well over XXXX  %. If this reflects incorrect limits or stale balance data, it misrepresents my financial profile and may cause automated denials from lenders. 

Some accounts that were closed years ago ( including XXXX XXXX ) are still showing balances significantly higher than their original credit limits, without clarification on how those amounts were calculated. 

These reporting issues are creating confusion for lenders and harming my ability to access fair financial opportunities. I am requesting a full reinvestigation under the FCRA.

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 2025-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2 - 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 XXXX business days after the date of receipt by such agency of I have properly certified mailed " return and receipt mailed to ALL XXXX of the credit reporting agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent information in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$XXXX} usd per month per illegal reporting. if these accounts aren't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Fraud / scam was took place from XXXX realtor site through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Wells Fargo will not give money back due to it is sent through XXXX or to XXXX XXXX. I due have proof but is considered my fault. Although, they ask you to report scam when you notice it happened.

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 2025-04-02 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX 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 2025-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please delete these fraudulent accounts, they do not belong to me and I did not authorize them. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX ( XXXX ) fraudulent accounts appearing on my consumer FICO ( Equifax ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Chapter XXXX Bankruptcies with XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and under the Acct. # 's XXXX ; XXXX ; XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the after mentioned accounts, collections, late payments as reported. The after mentioned accounts, collections appearing on my Consumer Credit Report maintained by you were not opened, made, or initiated by me. All of the aftermentioned accounts and late payments 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 other result of identity theft and fraud. I demand that the aftermentioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under XXXX XXXX  XXXX ( b ) ( XXXX ) Despite this theyve added negative and collection items to 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 2025-04-02 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of several items listed on my credit report. Per the Fair Credit Reporting Act ( FCRA ) 611, you are required to ensure that all information reported is accurate, verifiable, and complete. Based on my investigation, the following accounts and inquiries fail to meet these legal requirements and must be removed immediately unless full validation is provided. 
Late Payments ( FCRA 1681s-2 ( a ) ( 1 ) ( B ) ) 1. XXXX XXXX XXXX  # XXXX I request a full investigation into the reporting of late payments on this account. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX The reported late payments are inconsistent and must be verified or removed. 
Collection Accounts ( FCRA 609 ( a ) ( 1 ) ) 3. XXXX XXXX  # XXXX No valid documentation has been provided to verify the legitimacy of this collection. I demand validation under the FCRA. 
Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries appear on my credit report without my authorization. Under FCRA 604 ( a ), an inquiry must have a permissible purpose and my written consent. As I have no record of authorizing these inquiries, I request their immediate removal : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Action Since the information listed above is inaccurate, unverifiable, or unauthorized, I request the following : Immediate deletion of unverifiable accounts under FCRA 1681i ( a ) ( 5 ) Removal of unauthorized inquiries under FCRA 604 ( a ) Updated credit report reflecting the corrected information Failure to comply with this request will result in further action, including complaints with the CFPB, FTC, and my State Attorney Generals office. Please provide a written response within 15 days acknowledging receipt of this dispute. 
Sincerely, 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 2025-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of several items listed on my credit report. Per the Fair Credit Reporting Act ( FCRA ) 611, you are required to ensure that all information reported is accurate, verifiable, and complete. Based on my investigation, the following accounts and inquiries fail to meet these legal requirements and must be removed immediately unless full validation is provided. 
Late Payments ( FCRA 1681s-2 ( a ) ( 1 ) ( B ) ) 1. XXXX XXXX XXXX  # XXXX I request a full investigation into the reporting of late payments on this account. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX The reported late payments are inconsistent and must be verified or removed. 
Collection Accounts ( FCRA 609 ( a ) ( 1 ) ) 3. XXXX XXXX  # XXXX No valid documentation has been provided to verify the legitimacy of this collection. I demand validation under the FCRA. 
Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries appear on my credit report without my authorization. Under FCRA 604 ( a ), an inquiry must have a permissible purpose and my written consent. As I have no record of authorizing these inquiries, I request their immediate removal : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Action Since the information listed above is inaccurate, unverifiable, or unauthorized, I request the following : Immediate deletion of unverifiable accounts under FCRA 1681i ( a ) ( 5 ) Removal of unauthorized inquiries under FCRA 604 ( a ) Updated credit report reflecting the corrected information Failure to comply with this request will result in further action, including complaints with the CFPB, FTC, and my State Attorney Generals office. Please provide a written response within 15 days acknowledging receipt of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: MIDFIRST BANK
State: CO

Complaint narrative:
On XX/XX/year> our loan with XXXXXXXX XXXX was paid off. The balance shown on the loan as of XX/XX/year> was {$0.00}. 
On XX/XX/year> XXXX XXXX withdrew {$1700.00} from my account using an XXXX XXXX House ( XXXX ) withdraw. 

I spent several hours on the phone with XXXX different customer service representatives. The representatives were unable to rectify the situation saying that their system could only produce a refund in XXXX to XXXX business days. 

All of the representatives claimed that it is standard practice for the company to hold funds withdrawn from accounts after loans had been paid off for up to XXXX  days. 

The representative accepted that it was the responsibility of XXXX XXXX to cancel the ACH payments once the loan had a {$0.00} balance.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date unknown- not listed. Amount {$2000.00}. Showing as a charge off. XXXX was never provided to me

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 2025-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief