vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: AZ

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX AZ XXXX ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00}

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 2025-07-30 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise Credit Services is falsely reporting a debt tied to an XXXX XXXX account that I never held. The information is inaccurate, has significantly damaged my credit score, and Sunrise has failed to provide any proof or validation despite multiple written requests. 


On XX/XX/year>, I noticed a new negative item reported by Sunrise Credit Services on my credit report, linked to XXXX XXXX. I have never had an account with XXXX, nor have I lived at the address associated with this debt in over 5 years.

I immediately contacted both Sunrise and XXXX. XXXX XXXX confirmed I am not in their system. Sunrise initially told me to call their XXXX number, which was not helpful. When I followed up by email ( as advised by their own agents ), I received only vague replies stating that proof of debt has been requested. I received this same reply twice with no further updates, no validation, and no resolution.

I explicitly disputed the debt and requested removal in writing. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Sunrise is obligated to validate the debt and cease collection/reporting if it can not be verified. They have failed to do so and continue to damage my credit.

This is a case of either identity theft or misattribution, and Sunrises negligence is causing me ongoing harm. I am requesting : Immediate removal of the inaccurate account from all credit bureaus A written confirmation of removal from Sunrise Credit Services A formal investigation and enforcement of compliance Timeline of key communications, including email responses, can be provided upon request.

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 2025-07-30 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: GA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CITIBANK, N.A.
State: WI

Complaint narrative:
A Macys store credit card was opened under my name without my knowledge on XXXX XXXX. My mother opened the Macy 's card under my name without me knowing while she was shopping at Macys. She was charging the card and eventually missed a payment on it. After she missed a payment on the card, that was when I realized she opened a card under my name because I saw a late payment reported on my credit report and my credit score drop. So I went and opened a dispute that got denied and I opened another dispute a couple years later again on XX/XX/year> through transunion, which was also denied. I just entered a dispute through experien today so still waiting on a response from them but Im guessing that might not get accepted either. I seriously had no idea my mom made these charges on the macys card and no idea that she opened it to begin with, I really want this card remove off my report, especially the late payment because that was not my doing, Ive never swiped or used that Macys card in my life, I just recently closed the credit card because Ive never used it and dont want it.

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 2025-07-30 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:
Dear Dispute Department, I reviewed my credit report on XXXX XXXX, 2025, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : The following accounts contain incomplete and incorrect information : XXXX XXXX XXXX Open date XX/XX/XXXX XXXX XXXX XXXX Open date XX/XX/XXXXXXXX XXXX Open date, XX/XX/XXXX XXXX XXXX OPEN DATE, XX/XX/XXXXXXXX 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

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 2025-07-30 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: CA

Complaint narrative:
I am writing this complaint with absolute certainty and growing frustration. There are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, making it extremely difficult for me to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains inquiries that I do not recognize. I did not apply to these companies, nor did I authorize them to access my credit report. This is a clear violation of my rights as a consumer, and it adds unnecessary stress to an already difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-30 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: KS

Complaint narrative:
I was recently reviewing my credit report, and I saw that they were fraudulent hard inquiries on my credit report. I contacted the reporting agency and let them know that there were fraudulent items on my credit report and to have them removed. They just come back and say that things are verified, but when I asked what documents do you have that youre saying that are verified They did not send me anything and when I contact the people that the inquiries are coming from they just tell me to contact the credit bureau and I have contacted them. They refuse to do anything. I have listed all the XXXX inquiries that are on 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 2025-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I have been paying my debt to this company via credit card since XX/XX/year>. They recently changed their website and are now refusing to accept card payments. They demand my checking account and routing number or a money order through the mail. 

I tried calling multiple times, was placed on hold for extended periods, and when I finally reached someone, it was a call center outside the U.S. who could not help and continued to push for my banking information. I do not feel safe giving this sensitive info.

I am actively trying to pay, and they are making it nearly impossible. Im being threatened with wage garnishment while they deny access to secure payment methods Ive used for over XXXX  years. This feels intentionally obstructive and possibly unlawful. I can not sign in or create an account to view my plan either. They provided no assistance for this.

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 2025-07-30 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received an extensive explanation framed as " educational purposes, '' which I view as a tactic of deflection and deception aimed at consumers. This strategy ultimately results in individuals paying inflated interest rates on loans, credit cards, and similar financial products.

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 2025-07-30 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Nearly Paid off Ally credit card on around XX/XX/2025. Had a credit for overcharged interest never returned. Used a checking account in my name which ally flagged as fraud they then still have hold on the account. Ally requested specific financial account information from bank used by me after withdrawal. I Mailed information after trying multiple times by XXXX XXXX bank employee who wrote a letter and faxed to these requests they still conveniently didnt receive. Ive paid another fee since from separate account to zero out card but still havent been refunded for over charged interest and now have been unable to use ally credit card for my farm for over 60 days. Its put a hardship on me since they know XXXX the account holder of the funds they did pull but then marked fraud hold. I didnt commit fraud but ally fraud and customer service go back and forth unable to help. I dont understand how XXXX account prior to paying them can be used without an account verification and then another one used to pay debt legitimately caused so much harm after ally got funds securely from an account verified by me the owners of the guaranty account through automated system payment. I believe the attorney general of Missouri should investigate. XXXX still unable to use ally credit card based upon their determination of accusing me of fraud unfairly unjust and full of hatred towards me throughout this ally credit card office. I believe theyve committed fraud in overcharges and have caused irreversible damage to my life. Theyve been paid theyve committed fraud and I depended on there card to use as always day to day paying off very often.

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 2025-07-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-07-30 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: MA

Complaint narrative:
b'I sent a certified letter to Transunion on XXXX via USPS mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Transunion in XXXX XXXX XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Transunion ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were XXXX XXXX balance is XXXX  and account number is  XXXX XXXX XXXX XXXX balance is XXXX and account number is  XXXX XXXX balance is XXXX and account number is  XXXX XXXX XXXX XXXX  balance is XXXX and account number XXXX XXXX  balance is XXXX  and 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX XXXX XXXX XXXX - XXXX * * Inquiries : FACTUAL DATA - XXXX XXXX - XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-30 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-30 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'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2025-07-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: KS

Complaint narrative:
Called to find out where my card was as I had not received it. Card was sent to post office but was flagged so it would not be usable. In able to get another card I would have to submit my ID. I am experiencing homelessness. I do not have my ID yet so they said I could submit my birth certificate and social. With help from my case manager, I submitted this information to the email provided. This occurred XX/XX/25. I have submitted these documents multiple times and receive the same automated message back. I have no way of getting my XXXX benefits without speaking to Direct Express but have called every day for nearly a month, sometimes waiting on hold 2 hours. I have no phone and can only call when I am with my case manager. We have called multiple times with no luck. I need my money. I have spoken to XXXX and switched it so my benefits will no longer go to Direct Express, but to get my benefits from XXXX, I have to talk to Direct Express.

Company response to consumer: Closed with monetary relief