vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I believe that Experian violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, regarding the permissible purposes for which a consumer report can be furnished. I have the disputed information listed below. 
Specifically, the following information appears on my consumer report : XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX  account # XXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX account # XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX account # XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX account # XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXXXXXX XXXX  XXXX XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX account XXXX XXXXXXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX  account XXXX XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX XXXX  account # XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX account # XXXXXXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX  XXXX account # XXXXXXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX  XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX account # XXXXXXXX XXXX  Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX  XXXX XXXX account # XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed.

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 2025-06-17 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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

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 2025-06-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 Please remove these following fraudulent and unauthorized inquiries and accounts from my credit report. It has been more than 15 days already and they're still reporting! 


Inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Accounts : Account Name : XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent in a request to update and delete information that is inaccurate on my credit report regarding personal information. However the information remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: DISCOVER BANK
State: IL

Complaint narrative:
I have two unauthorized inquiries on my XXXX  credit report for discover Discover inquiry, Date XXXX Discover inquiry, Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 Please remove these following fraudulent and unauthorized inquiries and accounts from my credit report. It has been more than 15 days already and they're still reporting! 


Inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Accounts : Account Name : XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-06-17 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: NV

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 Please remove these following fraudulent and unauthorized inquiries and accounts from my credit report. It has been more than 15 days already and they're still reporting! 


Inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Accounts : Account Name : XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-06-17 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I applied for and was approved for a XXXXXXXX XXXX store credit card ( XXXX ), but never received the physical card. Iwas told by the sales clerk I will be receiving the card at my address. I was also told during a phone call with a representative from the Bank that the card would be mailed to me, but it never arrived. Without the physical card, I had no way to activate the account, view my charges, or make a payment online or through any secure method. They gave a link that I have tried to access to pay my bill multiple times but I did not have my card number in order to complete the payment. 

Despite not having access to the card or any account information, XXXXXXXX XXXX began adding interest and late fees, increasing the balance from a less than XXXX dollar ( approx XXXX dollars ) purchase to over {$250.00}. I contacted and was contacted customer service multiple times to explain that I never received the card and was uncomfortable giving my card information over the phone. I was told conflicting things one agent said the card would be sent, and later the same agent said he remembered talking to me and claimed that was never promised by him. I felt harassed as the frequent phone calls from unknown numbers and spam calls according to my Phones caller ID. 

I asked XXXX to waive the fees and interest since I was never given a way to access or manage the account, and they refused. They offered 15 dollars which I decided I would not accept given the circumstances and the fact is still never received the physical card. I was never emailed a statement or provided with a secure payment option until fees and interest was already charged. Even then, I had no way of completing their request. Then, the account was sent to collections, and I kept receiving calls from multiple unknown numbers, but no meaningful written communication or email explaining what was happening until after the account was already severely overdue. I have multiple voicemails and a call log of them calling me almost everyday.

At this point, my credit report has been negatively impacted even though I attempted to resolve the issue directly with Comenity. They failed to fulfill their obligation to send me the card, and then penalized me with interest and collections for a situation I could not control. I believe this is unfair, poorly communicated, and potentially a violation of fair credit reporting and debt collection standards.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the credit reports from XXXX XXXX XXXX XXXX, the new balance of the card that should be reported every XXXX of the month has not been updated and it is only reported on XX/XX/year> but not the new balance for this month which is approximately XXXX dollars. I contacted the bureaus and they told me that they hadn't received any updates and that if they had, the maximum time it would take them to update the information would be 7 days, which has already passed.

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 2025-06-17 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

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 2025-06-17 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: NM

Complaint narrative:
Im writing today because Ive identified a serious and deeply concerning issue on my credit report that demands your immediate attention. Specifically, there is an account listed under my name that I did not open, authorize, or have any knowledge ofthis is a clear case of identity theft, and Im formally requesting that you delete this fraudulent account from my credit report without delay.

Let me be absolutely clear : I did not open this account, nor did I give anyone permission to do so on my behalf. This is a case of unauthorized use of my personal information, and its presence on my credit file is not only inaccurateits damaging and completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NM

Complaint narrative:
Im writing today because Ive identified a serious and deeply concerning issue on my credit report that demands your immediate attention. Specifically, there is an account listed under my name that I did not open, authorize, or have any knowledge ofthis is a clear case of identity theft, and Im formally requesting that you delete this fraudulent account from my credit report without delay. 

Let me be absolutely clear : I did not open this account, nor did I give anyone permission to do so on my behalf. This is a case of unauthorized use of my personal information, and its presence on my credit file is not only inaccurateits damaging and completely unacceptable.

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 2025-06-17 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: NM

Complaint narrative:
XXXX writing today because Ive identified a serious and deeply concerning issue on my credit report that demands your immediate attention. Specifically, there is an account listed under my name that I did not open, authorize, or have any knowledge ofthis is a clear case of identity theft, and XXXX formally requesting that you delete this fraudulent account from my credit report without delay. 

Let me be absolutely clear : I did not open this account, nor did I give anyone permission to do so on my behalf. This is a case of unauthorized use of my personal information, and its presence on my credit file is not only inaccurateits XXXX and completely unacceptable.

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