vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. 
Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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 2025-08-06 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: FL

Complaint narrative:
I am a victim of Identity Theft in the following accounts and credit inquiries are all fraudulent and never authorize by me. All these accounts and inquiries need to be permanently removed from my consumer report immediately... 
ACCOUNTS * XXXX XXXX XXXX XXXXXXXX {$3000.00}, Date Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, Date Opened XX/XX/XXXX. 
XXXX XXXXXXXX - Balance {$1900.00}, Date Opened XX/XX/XXXX. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am a victim of Identity Theft in the following accounts and credit inquiries are all fraudulent and never authorize by me. All these accounts and inquiries need to be permanently removed from my consumer report immediately... 
ACCOUNTS * XXXX XXXX XXXX XXXXXXXX {$3000.00}, Date Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, Date Opened XX/XX/XXXX. 
XXXX XXXXXXXX - Balance {$1900.00}, Date Opened XX/XX/XXXX. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-06 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance : {$120000.00} Date opened XX/XX/XXXX Last Payment Date XXXX XXXX, XXXX Payment History : XX/XX/XXXX XXXX XXXX days

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 2025-08-06 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: CA

Complaint narrative:
I am submitting this complaint because TransUnion continues to report a 30-day late payment in XX/XX/year> for my XXXX account ( ending in XXXX ), despite my request for verification.

I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. TransUnion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 
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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This complaint supplements and continues CFPB case # XXXX against TD Bank XXXXSA/Nordstrom for continued reporting of a disputed and unvalidated tradeline. On XX/XX/year>, XXXX XXXX XXXX confirmed in writing that the account is closed in their system, collection activity has ceased, and no supporting documentation exists. 

I have also filed FTC Report # XXXX documenting that TD Bank USA continues to furnish this tradeline to Experian as charged-off with a past-due balance in violation of : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure to correct or delete unverifiable information after notice of dispute These actions also violate Metro 2 guidelines requiring a {$0.00} balance and Transferred/Closed status when an account is returned from collections.

Continued reporting has caused credit score suppression, denials of credit, and emotional distress. I am a stay-at-home grandmother with no income or attachable assets, and there is no legitimate purpose in continuing to report or sell this account other than to cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Experian has failed to fullfill its legal obligation under the fair credit right act to conduct a reasonable investigation of disputed information, credit report, leaving inaccurate or unveriable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, 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 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 's 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 2025-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax because they are reporting two collection accounts that I believe are inaccurate and unverifiable. The accounts are from XXXX XXXX XXXX for {$520.00} and XXXX XXXX  for {$1100.00}. I do not recall authorizing or agreeing to either of these debts, and I have never received any validation from the collectors proving that I owe them. 

I sent Equifax a formal dispute letter under the Fair Credit Reporting Act, requesting that these accounts be investigated and removed if they can not be verified. I also requested validation of the debt under the Fair Debt Collection Practices Act. So far, I have not received any documents showing proof that I owe these debts or that they are being reported correctly. 

These accounts are negatively affecting my credit score and my ability to be approved for housing, transportation, and financial services. I am requesting that the CFPB step in to help resolve this issue and ensure that Equifax follows the law by deleting these unverifiable accounts. 

Thank you for your help and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attachedXXXX XXXX XXXXXXXX Send me an updated copy of my credit report and please DELETE and REMOVE The following INQUIRIES THEY WERE obtained through fraud that I did not authorize and are not mine : Delete unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am disputing an incorrect and unfair charge that Wells Fargo refused to reverse despite my immediate attempts to correct the issue with the merchant ( MAC.BID ). On XX/XX/XXXX, I attempted to purchase a single unit of an item from XXXX but due to a website error, the order was processed for XXXX units instead of the intended XXXX. I recognized this error immediately and reached out to XXXX the same day to cancel or adjust the order ( Invoice # XXXX ). 

Despite the fact that no shipping or fulfillment had occurred, the company refused to cancel or adjust the order, stating there is nothing we can do, and even threatened to suspend my account if I pursued the charge dispute through my bank. Their response was dismissive and coercive, leaving me no choice but to file a claim with Wells Fargo for an obvious mistake from the merchant. 

Wells Fargo, however, denied my claim, failing to recognize that I never accepted delivery ( as the order was never shipped, unless I were to pay more for shipping on XXXX items ) and that the merchant provided no reasonable remedy or consumer protection. I believe both the merchant and Wells Fargo failed to act in good faith and violated basic standards of fair billing and dispute resolution. 

I am requesting that this charge be reversed and that Wells Fargo review their denial, as I acted immediately to correct an unintended transaction and was met with refusal and threats from the merchant.

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 2025-08-06 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: SC

Complaint narrative:
I am submitting this formal follow-up complaint to reiterate that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I previously submitted an identity theft report along with supporting documentation to dispute and request the removal of fraudulent accounts from my credit file. 
As outlined in FCRA 605B ( a ), credit reporting agencies are legally required to block and remove any information that the consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving proper documentation. I have already completed the necessary steps, including filing an identity theft report through the Federal Trade Commission ( FTC ) at www.ftc.gov, and I have included all relevant documentation again with this complaint.Below is a list of accounts that do not belong to me or were opened without my authorization. These items are erroneous and continue to appear on my credit report despite my previous request for removal. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX A ) XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
I am submitting this formal follow-up complaint to reiterate that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I previously submitted an identity theft report along with supporting documentation to dispute and request the removal of fraudulent accounts from my credit file. 
As outlined in FCRA 605B ( a ), credit reporting agencies are legally required to block and remove any information that the consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving proper documentation. I have already completed the necessary steps, including filing an identity theft report through the Federal Trade Commission ( FTC ) at www.ftc.gov, and I have included all relevant documentation again with this complaint.Below is a list of accounts that do not belong to me or were opened without my authorization. These items are erroneous and continue to appear on my credit report despite my previous request for removal. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX A ) XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/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 2025-08-06 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: MS

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.

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 2025-08-06 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: GA

Complaint narrative:
I am filing a complaint against XXXX and XXXX  regarding an account ( XXXX  Account # XXXX ) that has remained on my credit report for years despite repeated disputes and no proper validation. 

I have challenged this account multiple times, dating back over two years. Each time I was told it was " verified as accurate, '' but no documentation was ever provided. The account is listed as charged off in XXXX, yet the balance continues to report as past due through XX/XX/XXXX. 

This reporting is inaccurate and unfair, and I have suffered credit damage as a result. My requests for validation under the FCRA and FDCPA have been ignored.

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