vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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 formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-18 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: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
One week after opening my XXXX XXXXXXXX account on XX/XX/year>, I received a letter dated XX/XX/year> stating that I needed to submit a XXXX form or my account would be closed. I physically received this letter on XX/XX/year> in the afternoon. The next day, on Saturday, XX/XX/year>, I went to a Wells Fargo branch and submitted the requested information. 

Despite complying with the request, on XX/XX/year> I received another letter from Wells Fargo stating that my account was being closed because records provided do not match official IRS records. 

The following day, after receiving this closure letter, I sent a written response to Wells Fargo explaining my situation and formally requesting a reconsideration of the decision. To this day, I have not received any response. 

After these events, I contacted Wells Fargo to request : A clear explanation of the IRS discrepancy. 
The possibility to reopen my account or provide a letter of eligibility. 

The only responses I received were generic and did not address my specific concerns. 

This closure has caused me significant harm, including the loss of available credit, disruption of my financial plans, and potential negative impacts on my credit profile, all without being given a clear or fair opportunity to resolve the alleged issue.

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 2025-08-18 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX reported a late payment on my credit card account ending in XXXX. I dispute this reporting because, under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they can prove the billing statement was sent at least 21 days before the due date. I requested copies of billing statements and evidence of mailing, but I have not received proof that proper notification was provided.

In addition, under 15 U.S.C. 1681s-2, creditors must notify consumers within 30 days when negative information is reported to the credit bureaus. I have not received such notification. 

I am requesting that XXXX XXXX provide documentary proof of compliance with federal law or remove the late payment from 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 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
XXXX lending practices violate both federal and Michigan law. Under the Consumer Financial Protection Act, XXXX engaged in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by issuing loans with APRs exceeding 400 %, far beyond what any reasonable borrower can afford. These terms trap consumers in a cycle of debt and exploit financial hardship. 

Under Michigan law, interest is capped at 7 % civil and 25 % criminal. XXXX ratesreported as high as 490 % APRare criminally usurious and can not be excused by contract language or XXXX savings clauses, per Michigan Supreme Court precedent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX model is predatory : APRs hundreds of percent above legal limits. 

Fees and interest so excessive they create unavoidable default. 

XXXX has also faced a major class action settlement ( $ XXXX ) for similar allegations, including illegal interest rates and lack of proper licensing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting an account on my credit n i have not done business with this company i have attached my ftc 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting an account on my credit n i have not done business with this company i have attached my ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-18 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: OH

Complaint narrative:
This is a formal dispute of the following inaccurate and fraudulent accounts reported on my consumer credit file : XXXX XXXX Opened XX/XX/XXXX, Balance {$2500.00}, Status : Charged Off XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2000.00}, Status : {$120.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$770.00}, Status : {$47.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$4000.00}, Status : {$250.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1500.00}, Status : {$96.00} Past Due ( as of XX/XX/XXXX ) What Happened These accounts are the result of a data breach and identity compromise. I did not authorize these accounts, and they can not be verified as accurate or valid. Reporting of such information is a direct violation of my rights under federal law. 

Applicable Law & Justification 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a credit reporting agency to conduct a reasonable reinvestigation when a consumer disputes any item of information.

15 U.S.C. 1681c-2 ( a ) Mandates that any consumer reporting agency must block fraudulent or identity-theft-related information within 4 business days of receiving proper notice.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681n & 1681o Provide for civil liability, including actual damages, punitive damages, attorneys fees, and costs, for willful or negligent noncompliance. 

Demand for Resolution Because these accounts resulted from identity theft and can not be verified, I demand that they be permanently deleted within 4 business days pursuant to 15 U.S.C. 1681c-2 ( a ). Any continued reporting after this notice constitutes knowing and willful noncompliance with the FCRA and will be treated as such. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, along with pursuit of full statutory damages in federal court. 

Please confirm in writing that these deletions have been completed.

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 2025-08-18 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:
Can XXXX XXXX XXXX XXXX, XXXX TransUnion or XXXX answer these questions : What is the closing date? 
What is the date of last activity? 
What is the date of first delinquency?

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 2025-08-18 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: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AZ

Complaint narrative:
These account were suppose to be in a defarment program in 2019. I never agreed to having these payments show on my credit report at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXX XXXXwas opened fraudulently and is the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed account, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I sent money to XXXX to take of some XXXX  the money did not delivered to the recipient nor did the money refund to me I kept calling and writing asking about the money and they refused to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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:
I am writing to dispute the presence of several fraudulent accounts on my credit report, which were opened as a result of identity theft. I did not authorize or open the following accounts, and I am requesting their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that these fraudulent items be blocked from my credit report. This provision mandates that consumer reporting agencies must block information resulting from identity theft from appearing on a credit report within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX XXXX. They do not provide me with the orginial application like I asked.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting my account as delinquent, despite the fact that it was paid in full and closed. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

These late notations are inaccurate, misleading, and incomplete, and are harming my credit profile.

I have a right under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers of information from reporting information they know or should know is inaccurate.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and have it corrected or deleted after an investigation.

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