vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For several months, I have been submitting disputes to TransUnion concerning accounts that I did not open or authorize. I provided a valid Identity Theft Report and identity verification with each dispute. However, despite the multiple disputes, TransUnion has failed to delete or correct these fraudulent accounts, and they continue to appear on my credit report. This persistent issue indicates that TransUnion is not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ), which mandates the removal of fraudulent information once proper documentation is provided.

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: 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: NJ

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent account entries on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -XXXX 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 I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure 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 non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I dispute multiple unauthorized credit inquiries on my report : 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 ( XX/XX/XXXX ). I did not authorize them. Prior disputes received no validation per FCRA. I have a fraud alert and credit lock. Please investigate and remove unless validated Please mail or email copies of results to 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 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo took {$80.00} out of my savings account for unnecessary fees and refuses to return them. As a widow and senior citizen their fees are unethical. They continue to refuse to refund them even though I was a loyal customer for XXXX or more years.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
XX/XX/year> I tried using my card several times at two different places, between XXXX. And it wasn't working, even though I have successfully used my card at those same two places before. So I called customer service, and the woman who answered was explaining the same thing over and over again to me I wasn't answering my question until my voice got louder, and then she said everything was fine to go ahead go back and try to use my card again at the same place in person. My husband tried but just as I thought, it didn't go through! I had to once again call customer service, and this woman was doing the same exact thing to me as the other woman did. She kept explaining herself over and over again, and not answering my question! I have to mention that I needed to speak to a supervisor several times, over and over again, and she was not connecting me to a supervisor ; until I felt more frustrated & yelled at her & over her voice. She still kept talking to me, so I had to keep saying the word supervisor until I was finally connected. Once the supervisor got on the phone, after me being on hold for a while, he explained to me what was going on and it still didn't make any sense because I have used my card the same way before & more than once. The supervisor kept advising me to go in person with an app on my phone to use my card but I shouldn't have to as it's a vanilla visa e-gift card, not a visual one! Sadly, this is not even the only time that I had an issue with this card and having to contact their company. It is an extremely frustrating experience and I can never ever do this to myself again. It feels like as if they're just freezing my money or something and it's not right! When I try to use the card in person it was at the same pizza place that punched it in before as they are trusting and it went through so that is why I'm confused as well. But if I want to use my card online I should be able to and not have to go in person with a app download it on my phone to add my card to a wallet just to use it, & at the same place I've used it at before online.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
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 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 XXXXXX/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 2025-10-31 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: CT

Complaint narrative:
I am writing to dispute inaccurate information on my Experian credit report. As required by the Fair Credit Reporting Act ( FCRA ) 607 ( b ), I am requesting that you investigate the following items for compliance with the Metro 2 standard for accuracy.

Disputed Accounts : 1. Account Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Issue : [ Charge-off, Late Payments, etc. ] Dispute Details : The account is being reported with inaccurate details concerning the balance, account status, or payment history. According to the Metro 2 format, the account status and payment history must be consistent with other reporting data. Please verify the Date of First Delinquency ( DOFD ), Account Status, and any charges reported, and correct them if found to be inaccurate.

2. [ Continue with additional accounts if applicable ]

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 2025-10-31 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-31 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-31 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is unlawfully reporting a bankruptcy ( XXXX XXXX XXXX XXXX XXXX ) on my consumer file without my authorization or consent. The U.S. Bankruptcy Court does not furnish or verify consumer data to LexisNexis or any consumer reporting agency, which means the record being reported is inaccurate, unverified, and obtained without a permissible purpose. 
Despite my previous disputes and my clear instructions to remove this false information, LexisNexis continues to publish and share this bankruptcy data with other agencies and third parties. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, 1681b, 1681i, and 1681a ( e ), and a violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

This inaccurate reporting has caused damage to my reputation, creditworthiness, and financial opportunities, and constitutes defamation of character and unauthorized use of my personal information. I have demanded deletion of this record and requested written proof that it has been removed, yet LexisNexis has failed to comply.

I am requesting that LexisNexis immediately delete this bankruptcy record, cease all sharing of my personal data, and provide written confirmation verifying that the deletion has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citibank, I am writing to formally express my concern about the handling of my recently opened Citi Strata credit card account. Shortly after approval, I was contacted by Citibank and asked to submit IRS Form 4506 for income verification. During that call, I was also informed that my annual fee would be waived for the first year.

I promptly completed, signed, and submitted the requested form. After sending it, I began to worry that I might have filled out one section incorrectly, so I called Citibank to confirm. The representative reviewed the form and assured me that everything was completed correctly. However, I later realized that I had indeed checked the wrong box on the form.

Despite that prior assurance, my credit card account was closed without any notice or clear explanation. When I contacted customer service for clarification, I was not provided a reason for the closure. This left me with the impression that either : My account was closed even after my information had been verified, or Citibank mishandled my submitted documentation and did not give me the opportunity to correct the form.

This experience has been both confusing and frustrating. I was never given a fair chance to resolve the issue, and I believe the situation was handled unfairly.

Additionally, I am concerned that I may have been treated differently because of my Russian origin. The tone and attitude of some representatives during my interactions made me feel dismissed and unwelcome. This raises serious concerns that my background may have influenced the way my case was managed.

I respectfully request that Citibank review my case, provide a clear explanation for the account closure, and address my concerns about how my documentation and interactions were handled.

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 2025-10-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am filing this complaint against Equifax for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically its failure to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and its practice of reporting patently inaccurate information ( 15 U.S.C. 1681e ( b ) ).

I previously disputed two accounts with objective, verifiable inaccuracies : XXXX XXXX XXXX XXXX  : Reported as " Pays As Agreed '' despite a 150-day delinquency history. The " Date of 1st Delinquency '' is also blank, obscuring the legal reporting period. 

XXXX / XXXX : Reported as " Pays As Agreed '' despite a 120-day delinquency. It also lists a " Date of Last Payment '' of XX/XX/year> with an " Actual Payment Amount '' of $ XXXXa mathematical impossibility.

Equifax returned these accounts as " verified '' without correcting these logical and mathematical impossibilities. This proves their reinvestigation process was a shamlikely fully automated and legally unreasonable. By refusing to correct information they know, or should know, is false, Equifax is demonstrating willful disregard for its FCRA obligations.

This flawed reporting and inadequate dispute process has caused me significant financial harm, including denial of credit and higher insurance premiums.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-31 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to express my ongoing dissatisfaction and concern regarding my credit account. Since opening this account, I have experienced continuous issues with your online system. The app repeatedly locks me out for failed login attempts, even though I consistently use the same password. This makes it extremely difficult to check my balance or make timely payments.

To resolve this issue, I contacted a representative and set up automatic payments for the minimum amount of {$40.00}. Payments were successfully processed until XXXX, yet my balance never decreased from my initial purchase of approximately {$90.00}. Despite these payments, my account status and balance remained unchanged.

I later learned that late fees had been appliedfees that I believe are unjust, as the payment failures stemmed from your companys technical issues, not from negligence on my part. A supervisor acknowledged the discrepancies and assured me the matter would be escalated ; however, no corrective action was taken. Instead, this situation was reported to the credit bureaus, significantly lowering my credit score.

At this point, I have lost all confidence in your companys practices. I am formally requesting that you : 1. Close my credit card account immediately.

2. Remove all erroneous and frivolous charges and late fees from my account.

3. Correct any negative credit reporting resulting from this issue.

Failure to address this matter promptly may leave me no choice but to pursue further action, including filing a formal complaint with the XXXX XXXX XXXX and Consumer Financial Protection Bureau ( CFPB ), and exploring legal remedies.

Thank you for your prompt attention to this matter. I expect written confirmation once my account has been closed and all necessary corrections have been made.

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this complaint to formally request that you block and remove specific inaccurate inquiries and information appearing on my credit file, as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. This provision grants consumers the right to have fraudulent or incorrect information blocked from their credit reports when it results from identity theft or erroneous reporting. The following entries are disputed as inaccurate or unauthorized : 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 XXXXXX/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