vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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 disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
The following tradeline ( s ) contain factual errors : XXXX PAGE NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
PAGE, XXXX, XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXXXX/XX/year> Unauthorized inquiry remove it from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX {$2200.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - Wrong payment status.

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 2025-09-12 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: TX

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
The following tradeline ( s ) contain factual errors : XXXX PAGE NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
PAGE, XXXX, XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXXXX/XX/year> Unauthorized inquiry remove it from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX {$2200.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - Wrong payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
personal information was exposed in a data breach, fraudulent accounts where opened as a result XXXX XXXX Acct # XXXX DISCOVERC Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Acct # 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 2025-09-12 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:
I am disputing inaccurate information being reported by Equifax and Experian regarding my student loan account with XXXX XXXX. 
On XXXX, this account has already been updated to Current as of XX/XX/2025. 
On Equifax and Experian, the same account is still inaccurately showing as 120 Days Late. 
This reporting discrepancy is harming my credit score and does not reflect the creditors current records. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax and Experian are required to conduct a reasonable reinvestigation of disputed items. I am attaching proof of my XXXX  report showing that XXXX has updated this account to Current.

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 2025-09-12 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This correspondence is a formal dispute regarding a late payment inaccurately listed on my credit report. I have maintained consistent on-time payments, and this entry is false. Its continued reporting misrepresents my financial reliability and harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am a victim of identity theft. The company is reporting an account that is not mine : Collection Bureau of America XXXX XXXX XXXX XXXX ) account ending XXXX XXXX XXXX. I have attached my FTC Identity Theft Report, ID, and proof of address. 
Company mailing address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been working since XX/XX/XXXX on registering my vehicle in another state. From ct to XXXX. Capital one has had the vehicle under their lien since XX/XX/XXXX and failed to appropriately up rain am updated title from XXXX  XXXX. Ive spoken countless time with various reps and taken multiple days off allocated to XXXX visits upon instruction of XXXX that theyve sent various approval letters, copies and so and and so forth. Today was my XXXX visit to the XXXX, another day wasted after capital one told me they finally received the updated title and were overnighting it to XXXX  XXXX. Even received a tracking number which was invalid. The tracking shows something was sent to XXXX XXXX from XXXX XXXX. Ive been given false information multiple times and have been made to be put in a predicament t where I must make my payments to capital one however they dont have to hold up their responsibilities so Im left without use of the vehicle or it will get towed. Im forced to uber and rent cars which I can not afford in conjunction with making payments on the loan. This is absolutely ridiculous how many times Ive talked to someone go have me false information or had no Information or idea of whats happening with the account or where the title even is. Capital one has been negligent in fulfilling their duties and have yet to produce a reasonable solution. Today XX/XX/XXXX Im told I have to wait ANOTHER 3 weeks before they MAYBE have the title ready for XXXX  XXXX. At this point I need to be reimbursed for the additional travel fees since I can not drive the car and they can not seem to do their due diligence in an appropriate manner and time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
So far, I have received four text messages from Shepard Outsourcing. The first text was a text message from XXXX, not an XXXX, saying they are reaching out to me about a debt that Ive never heard about from XXXX XXXX XXXX XXXX with a link saying see your options and giving the phone number XXXX. I received another text on XXXX saying the same thing. On XX/XX/XXXX, I received another text saying if I dont click on the website, I will miss out on saving up to {$710.00} in up to XXXX payments. I received another text message on XX/XX/XXXX saying take control of your XXXX XXXX XXXX XXXX account. Every text comes with a link that I have not clicked on, but those links are all different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This communication serves as my formal request to correct a late payment wrongly reported on my credit file. I have consistently paid on time, and this entry is inaccurate. Its continued inclusion is harmful to my credit record and does not accurately reflect my financial conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I performed a mobile deposit on Monday, XX/XX/XXXX. I was notified by Wells Fargo that the deposit was accepted and in my account on Tuesday, XX/XX/XXXX in the XXXX. 

I began to pay bills and halfway through the day I was notified that my account balance was negative. I called Wells Fargo Customer Service and was informed that my check is being held for verification until XX/XX/XXXX ( almost two weeks! )! I got escalated to a manager who informed me that there is no-one for me to contact and that I would just have to " wait it out ''. She did assure me that all pending bills would be covered ( so I wouldn't be hit with non-payment/bounced payment fees ). 

Thursday, XX/XX/XXXX, I get an email from Wells Fargo informing that they have rejected at least one of the payments I had made ( my car payment, which has a {$50.00} fee for any returned payments, and they report it to the credit beau ). I made another call into Wells Fargo Customer Service, the initial banker was super rude and disrespectful, once I got escalated to a manager, she put in a internal complaint ( something the previous manager refused to do for me ). 

I was contacted by XXXX XXXX in " XXXX & XXXX XXXX Banking Escalated Complaints '' via email and informed that this matter will be reviewed in XXXX Business days ( all the meanwhile I'm sitting with an overdraft account and no access to the money I've worked for and earned ). I attempted to contact her via phone on Thursday, the XXXX, and was ignored for the day. 

I called in again on Friday, the XXXX, and left XXXX a voicemail. She called back hours later and gave me a complete runaround. Stating there is NOTHING her or her team can do to expedite this process. She also REFUSED to allow me to record our phone call so that I may have evidence. 

Overall, I find this whole situation un-acceptable. How is a banking institution allowed to hold a persons funds for almost 2 weeks? I have bills to pay and daily items that I need access to my cashflow for. 

Not only that, but I am receiving additional fees from this whole situation that I will be on the hook for, Wells Fargo will not cover any outside fees. They have been very clear about this. 

I guess this is how a major financial institution treats their clients after XXXX years of business. Please help. 

Attached is the proof that the deposit was posted to my account on Tuesday, the 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 2025-09-12 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:
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 identity 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 4 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts currently listed under my name on my credit report. I never opened or authorized these accounts, and their presence constitutes inaccurate reporting that is misleading and damaging. The continued inclusion of these accounts negatively impacts my creditworthiness and misrepresents my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: OR

Complaint narrative:
Around XXXX XXXX I applied for a credit card with my banking institution and was denied because apparently, I don't have a credit score, so I went to check all the three credit bureaus and noticed that I wasn't able to log into Equifax on-line. When I called and got access, I noticed that all my information was missing. My credit score was zero ( 0 ). 
The other two credit bureaus were fine no issues. So I called them back and they asked me to send some information like copied of SS and ID via mail to the Equifax GA office. 
I sent them back some of the information they requested, like copied of my DL, SS, and ID, which i send them via mail around XXXX of XXXX and as right now I have sent multiple requests via mail and made couple call without any resolution. Today my credit score still shows zero. I ran of option at this point; please I need your assistants, or advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief