vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Dear Sir/Madam, I am writing to dispute the following information on my TransUnion credit report. Upon reviewing my credit report, I believe that the accounts listed below are being reported inaccurately. I request that TransUnion investigate the following items and ensure that the necessary corrections are made in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX Bankruptcy Case Number : XXXX Date Filed : XX/XX/XXXX Amount : {$0.00} Dispute : This account has been inaccurately reported as a charged-off account, even though it was discharged through XXXX XXXX Bankruptcy. Please correct this reporting to reflect the discharge status as per the bankruptcy records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1500.00} Dispute : There is an error in the reporting of this account. It is being listed as a charged-off account, but I believe this information is incorrect. I request that TransUnion investigate and ensure that the correct information is reported. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Dispute : I did not authorize this inquiry. Please verify the validity of this inquiry and remove it if it was made without my consent, in accordance with 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 explanation
Consumer complaint received 2025-11-20 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 XXXX 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 XXXX 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 XXXX  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 XXXX 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 2025-11-20 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 am disputing the accuracy of the reported balances for the XXXX and U S DEPT OF EDXXXX accounts XXXX These accounts are inaccurately reflecting higher outstanding balances than I have recorded in my own documentation. I kindly ask that Experian contact the original creditors to validate these balances and provide full documentation, including statements of account, payment history, and any adjustments made. Additionally, if there are any discrepancies in how these accounts are reported, I request immediate correction. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} U S DEPT OF EDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my checking account without giving me a clear or fair explanation. The letter said the closure was due to one or more unauthorized money transfers to my account. The only unusual activity was a single transfer from an individual a couple of weeks ago. I did not dispute that transfer and I did not reverse anything. The sender must have reversed it on their end without my knowledge.

I have never engaged in any fraud or suspicious activity. I did not authorize anyone to dispute a transaction. Despite this, Wells Fargo suddenly blocked deposits, stopped my paycheck from going through, and refused to give any details except that their decision is final.

This has caused major problems for me because I rely on my account to receive my income and pay my bills. I feel the closure was unfair and not properly explained, and I am concerned Wells Fargo may have reported negative information about me to XXXX  even though I did nothing wrong.

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 2025-11-20 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-20 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted Experian multiple times on XXXX XXXX to correct inaccurate personal information on my credit file. Experian refuses to remove old addresses that do not reflect my current identity information, even after I confirmed my accurate identifying information and successfully updated it with XXXX  and XXXX. They specifically transferred me to XXXX ( XXXX XXXX  ) ( who refused to give an associate number, last name or simply a reference number to reference my actual phone call and any helpful information to negate my concerns ). Experian is reporting outdated addresses that continue to be tied to derogatory accounts, preventing accurate investigations and blocking me from resolving disputes. Experian informed me that they do not remove old addresses, which contradicts FCRA requirements to maintain accurate and up-to-date consumer data. Experian also failed to provide proper documentation or assistance and redirected me without completing my dispute. I am requesting CFPB assistance to require Experian to correct my personal information, remove outdated addresses, and conduct a proper reinvestigation.

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 2025-11-20 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: CO

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/2025.

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 2025-11-20 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 disputing the following charged-off accounts reported on my TransUnion credit file. These accounts contain inaccurate or unverifiable information and must be validated or removed per FCRA 611. 

XXXX XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX  Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX  Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) XXXX/XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) I also request a review of any inquiries or late payment reporting to ensure compliance with accuracy and completeness standards 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 explanation
Consumer complaint received 2025-11-20 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WAFD BANK
State: OR

Complaint narrative:
I had recently opened up a bank account at XXXX  XXXX, and they decided to because of the lady from my previous complaint. XXXX XXXX gave me a false check. I got locked out of my XXXX XXXX account and they locked my Social Security number and I can no longer bank and I can no longer do anything. I cant even pay the amount that I owe. XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting a fraudulent, identity-theft account on my credit file, and I am disputing this for the first time. I do not recognize this account, I never opened it, and I never authorized anyone to create, use, or collect on it. This is identity theft, and the reporting is severely damaging my credit and personal security. 

Experian is currently reporting the following derogatory account : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXhis account does not belong to me, and I have XXXX connection to the creditor, collector, or any transaction associated with it. The reporting exhibits multiple structural inconsistencies, improper XXXX field formatting, imprecise coding, and unverifiable details clear indicators that Experian published unverified and fraudulent information in violation of FCRA 1681e ( b ).

As shown on pages 23 of my file ( Florida driver license, Social Security card, and utility bill ), my identity is fully verified and documented. Experian had more than enough information to confirm my identity prior to publishing any account, yet they allowed a fraudulent, identity-theft account to appear on my report without proper screening or verification.

This failure exposes me to severe financial risk, damages my creditworthiness, undermines my security, and constitutes gross negligence. A credit bureaus duty is to protect consumers from fraudulent data not amplify it by publishing identity-theft accounts under their name.

The seriousness of this false reporting can not be overstated.

Experian is publishing information that is not mine, not authorized, not validated, and clearly the result of identity theft.

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 2025-11-20 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: IN

Complaint narrative:
I am a consumer seeking to dispute inaccuracies in my credit report with TransUnion. Below are the accounts in dispute : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} INQUIRIES XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX LATE PAYMENT XXXX  Account Number : 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 2025-11-20 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-20 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: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX 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 2025-11-20 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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