vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-10-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
On XX/XX/year>, I paid {$100.00} to resolve this account in full. I was informed that the account would be removed from my credit report once payment was completed. However, as of today, the item still appears on my credit report and has not been deleted. 

I have attempted to contact the company regarding this issue, but the account remains. I am requesting assistance to ensure that the account is properly removed from my credit report as agreed after payment was made. 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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a vehicle in XX/XX/year>. The dealership inflated my income and submitted a credit application to Capital One before I signed or reviewed it. Capital One confirmed they did not verify income because the loan didnt require proof of income and are now refusing to investigate even though the approval was based on false information. I have text messages, pay-stub timestamps, application submission time stamps and signature of documents time stamps. I have tried resolving the issue with AGD, XXXX, Capital One directly and am now asking for your help. I have all supportive documentation, letters and time stamped information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im requesting an executive review of my recent dispute with Wells Fargo bank regarding a XXXX purchase. I placed the order myself, intending to return several items, but before I could process any returns, my XXXX account was hacked, a fraudulent charge was made, and then permanently deleted. This means I lost all access to my order history, receipts, and return options. 

Ive gone back and forth multiple times with Wells Fargo dispute department, but they continue to deny my claim on the basis that I received the merchandise. Thats not the issue the issue is that I was prevented from completing the return because my account was compromised and deleted by a third party. 

Ive provided all relevant details to the dispute department, but I believe this situation falls under a different category loss of return ability due to a platform security incident not buyers remorse. 

The charge in question was made on XXXX XXXX for {$240.00} and XXXX XXXX for {$130.00}

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 2025-10-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$2600.00}

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 2025-10-30 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: GA

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 2025-10-30 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: EQUIFAX, INC.
State: GA

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im disputing a charge-off reported by XXXX  on my credit report. I believe this information is inaccurate and not properly verified. The account was recently updated to charged off, but I have not received any documentation from the creditor to support this status. Im requesting that the CFPB investigate and require XXXX  to provide proof of the debts validity and the accuracy of the charge-off. If they can not verify it, I would like it removed from my credit report under the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted from my credit report. Since XXXX has not provided proof that this account and charge-off are valid, I am requesting its removal.

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 2025-10-30 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: FL

Complaint narrative:
I am filing this complaint because several accounts on my credit report contain information that does not meet the standard of maximum possible accuracy. These inaccuracies are not minor. Theyve persisted despite my attempts to correct them and are causing real, tangible harm to my creditworthiness and peace of mind. This is not a clerical oversight I can ignore ; the continued presence of unverified or incorrect information is unfairly impacting my financial life during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this statement to request a reinvestigation of inaccurate and potentially fraudulent information reported on my Equifax credit file. I previously contacted Equifax Information Services LLC to dispute and remove fraudulent items from my credit report. However, I received a response dated XX/XX/year>, indicating that the documents I provided were considered illegible or did not match Equifaxs records. 

I have now gathered clear and complete copies of the required identity verification documentsone item from each category as requested ( Identification and Current Address ) to verify my identity and current residence. Despite my earlier efforts, the fraudulent information remains unresolved, and I am concerned that this may be affecting my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
I have called numerous times asking for an updated balance and letter showing proof of my payment going to my account XXXX isnt providing them instead she is telling me she has reached out to XXXX has not done anything nor am I receiving emails or any type of proof that payments are actually being implied to my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-10-30 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: SC

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Debt collector continues to try to collect debt and derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-31 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-30 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: FL

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because my consumer reports from Experian, TransUnion, and Equifax contain multiple inaccurate and unverifiable items. These include incorrect account names, wrong addresses, inaccurate late-payment dates, and accounts that are not mine. I previously mailed dispute letters with certified-mail proof ; the errors remain. I request a full reinvestigation, immediate correction or deletion of all inaccurate items, and copies of all documentation used to verify each account. 


Disputed items Late-payment dates inaccurately reported across all agencies. 
XXXX XXXX appears only on Equifax. 
XXXX XXXX XXXX payment history inaccuracies across bureaus ( Experian & Equifax ). 
XXXX XXXX  account name and address differ ; payment history inaccuracies across bureaus. 
XXXX XXXX appears only on Equifax ; account unknown to me. 
XXXX XXXX XXXX XXXX XXXX appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 
XXXX  appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 


Prior steps taken I disputed these items directly with the credit reporting agencies and furnishers by certified mail. Copies of those letters and receipts are attached to this filing. The items remain inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because my consumer reports from Experian, TransUnion, and Equifax contain multiple inaccurate and unverifiable items. These include incorrect account names, wrong addresses, inaccurate late-payment dates, and accounts that are not mine. I previously mailed dispute letters with certified-mail proof ; the errors remain. I request a full reinvestigation, immediate correction or deletion of all inaccurate items, and copies of all documentation used to verify each account. 


Disputed items Late-payment dates inaccurately reported across all agencies. 
XXXX XXXX appears only on Equifax. 
XXXX XXXX XXXX payment history inaccuracies across bureaus ( Experian & Equifax ). 
XXXX XXXX  account name and address differ ; payment history inaccuracies across bureaus. 
XXXX XXXX appears only on Equifax ; account unknown to me. 
XXXX XXXX XXXX XXXX XXXX appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 
XXXX  appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 


Prior steps taken I disputed these items directly with the credit reporting agencies and furnishers by certified mail. Copies of those letters and receipts are attached to this filing. The items remain inaccurate 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information being reported on my credit file regarding the account XXXX listed. Despite this, the account continues to appear on my credit report as active or delinquent, which is inaccurate, misleading, and unverifiable. I have contacted the original creditor directly, and they were unable to provide any verified record supporting the reporting of this account to your agency. Therefore, this information can not be substantiated and must be deleted immediately in accordance with federal law.

Company response to consumer: Closed with explanation