vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because of an unauthorized account reporting to the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) Please help me as i have tried to resolve this with them and no luck. This has hindered my score and making it hard for approvals for my rental property and i plan to move and take care of my family in a safe environment.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-14 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-14 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-14 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNKNOWN # XXXX -- -- Opened : XX/XX/XXXX UNKNOWN # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited a {$43000.00} check at the XXXXXXXX XXXX branch of Wells Fargo Bank. The funds were withdrawn from the check writers account the very next day. However, my account currently shows only {$6700.00} as available, with the remaining {$36000.00} marked as pending until XX/XX/XXXX. 

Ive contacted the bank XXXX times seeking clarification, but each time Ive received the same response : the funds will be available on the XXXX. No one has provided a clear explanation as to why theres a delay or why the bank is holding money that has already cleared. 

Im trying to understand why these fundsrightfully mineare being withheld and seemingly used by the bank without justification. I would appreciate a transparent explanation of this hold and the policies governing 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 explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-14 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: AL

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX days late on this account. XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX  days late on this account. XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ). The report shows a payment as late on or about XX/XX/year>. I have never been XXXX days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXXXXXX XXXX XXXX XXXX  XXXX of Michigan ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that the credit bureaus lack a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-14 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally dispute and request corrections to my credit file under the provisions of the Fair Credit Reporting Act ( FCRA 605B, 609, 611 ), the Fair Credit Billing Act ( FCBA ), and applicable Texas state laws including the XXXX  Business & Commerce Code ( 20.0620.12 ), the XXXX Finance Code ( 392.202 ), and the XXXX  Identity Theft Enforcement and Protection Act ( 521.001 et seq. ). 
* * Personal Information Corrections * * Please remove all incorrect or outdated information associated with my credit report, including prior names ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ). Ensure my current and only valid information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX * * Unauthorized Inquiries to Remove * * The following inquiries were not authorized by me and must be deleted from my credit file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX * * Account Updates Requested * * Please verify and update the following accounts to reflect PAID IN FULL, {$0.00} balance, and CLOSED BY CONSUMER in good standing : XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  {$7100.00} XXXX XXXX  ( XXXX  ) {$4300.00} Additionally, please verify or remove the County of XXXX XXXX XXXX XXXX Account ) entry if it can not be validated. 
* * Legal Compliance * * Per FCRA 611, you are required to reinvestigate these disputes within XXXX  days of receipt and provide written verification or deletion of any unverifiable information. Under XXXX  law ( Business & Commerce Code 20.06 ), you must complete this process promptly and issue written confirmation once corrections are made. 
Please mail a corrected copy of my credit report reflecting all updates and deletions to my verified address above. I appreciate your immediate attention to ensuring the accuracy and integrity of my credit profile. 
Sincerely, XXXX XXXX XXXX Signature : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am reaching out to request your support in resolving a troubling issue involving an invalid XXXX placed on my home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX The XXXX, recorded in XXXX XXXX Clerk Book XXXX, page XXXX, was filed by XXXX, XXXX XXXX XXXX XXXX on behalf of LVNV Funding LLC and Resurgent Capital Services. The {$2500.00} original debt it references belongs to another individual, XXXX XXXX XXXX, and I have no connection to it. 
Despite my efforts to dispute the XXXX directly with the filing party, it remains on record and continues to threaten my property rights. I was not given notice, and I do not have any contractual relationship with the lienholder. I have submitted documentation to the XXXX XXXX XXXX XXXX XXXX, including : Court Judgment Case # XXXX My property title confirming sole ownership I respectfully ask your office to assist in advocating for the removal of this erroneous lien and to help ensure that residents are protected from improper filings that jeopardize their homes. Your support in navigating this issue would be deeply appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion is inaccurately reporting XXXX XXXX as my employer. I have never worked for or been affiliated with this company in any capacity. This information is completely incorrect and represents a serious inaccuracy in my personal file. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to ensure the maximum possible accuracy of all information they include in a consumers credit report. Employment information, though not a credit account, still contributes to how lenders and other entities assess a consumers identity, reliability, and stability. Reporting an employer that I have never worked for is a clear violation of this requirement and reflects a failure in TransUnions data verification process. 

I have already attempted to correct this through normal dispute channels, but TransUnion has not properly investigated or removed this false employment entry. The continued presence of XXXX XXXX on my report implies a connection or income source that does not exist and may lead to confusion or misrepresentation in future credit decisions. This kind of personal information error is particularly concerning because it suggests that my data may have been mixed with another individuals file or improperly sourced from a third-party databaseboth of which are serious data integrity issues under the FCRA. 

These inaccuracies are not minor clerical mistakes ; they carry real-world consequences. Incorrect employment information can lead to questions about identity, misclassification in lending assessments, and potential privacy violations. I take my credit history and personal information very seriously, and it is deeply frustrating that TransUnion has failed to uphold its obligation to maintain an accurate and verified record.

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