vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$100.00}

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
I made a dispute with my bank after I didnt recognize the charges made to my debit card and they said theyd issued me credit after XXXX days and after the XXXX days they ended up just denying it for no reason. I didnt authorize the transaction so I dont understand why I have to pay for it. 
I asked why it was denied they claimed that my ip address matched which it didnt and I requested the ip address that they had on file and that I would send mines in but they just ended up leaving the chat and ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This all happened in XXXX and XXXX was taken from my Wells Fargo account I opened the XXXX  XXXX account all on the same day which was in XXXX no it was in XXXX XXXX savings XXXX checking in the last part of of XX/XX/XXXX of XXXX or and I received nothing they lied about the date that I opened my savings account that I was transferring on wire transfer from Wells Fargo {$200000.00} {$99000.00} and some change in checking and savings I file complaints after complaints after complaints and I never received nothing am I even filed a complaint with this department and services of consumer finances and I still haven't received nothing I had identity theft it started a long time ago I just found out I've got XXXX breaches out right now with my social security number I've already had to prove who I was to the social security administration in Texas I need I want part of the settlement I want to know what's going on why haven't I been contacted I had been hacked by by my cell phone several many times also I've tried many times to to fix the problem with even XXXX sending me a new XXXX card and notifying the FBI themselves for hackers and they were videoing and copying me which I do believe they are now I don't know I found somebody else on my friend 's phone I would like some information at once please advise me and I need resources and thank you very much and yes I did try everything ordered new cards I had everything stolen and breached and I need help thank you my information is XXXX my name is XXXX XXXX XXXX XXXX I go by XXXX XXXX XXXX XXXX XXXX XXXX my birthday is XXXX and XXXX if you want any other information you will have to call me or email me thank you for your time and your devotion for helping us have a great day I would also like the XXXX back that was in the Wells Fargo account I stayed and went to XXXX where they said that they would return my money with XXXX XXXX the XXXX finding my accounts the letters they didn't send me any bank cards they didn't do anything they took the I don't have nothing I would like all of it back and that goes to any bank 's third parties transferred parties trans transwire anything overseas international national banks from all banks. I would also like something done for my children and grandchildren since they don't understand why they're XXXX their XXXX  doesn't have a home or why she sick they don't understand the seriousness and the devastation that it's caused for any high school or or any of my young adolescent and infant to grandkids are my children. On why XXXX can not be there or to be able to travel or be there for holidays or to even have the money to afford gifts I'll be for birthdays thank 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 explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am filing this complaint because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding the following XXXX accounts currently listed on my credit report. I have submitted formal disputes, an FTC Identity Theft Report, and supporting documentation, yet Equifax has not removed or properly verified these accounts. 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX separate listings ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX  These accounts contain inaccurate, incomplete, or unverified information. 
XXXX XXXX is listed twiceone account is a duplicate and the other is re-aged, violating FCRA XXXX ( a ) ( XXXX XXXX XXXX XXXX ), which limits reporting to XXXX  years. 
XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have failed to provide proper validation of the debts after my disputes, violating FCRA XXXX ( XXXX XXXX Code XXXX ). 
XXXX XXXX XXXX XXXX reports a housing-related debt that stems from the COVID-19 hardship period, where collection actions and reporting should have been paused, violating both federal COVID-related housing protections and FCRA XXXX ( XXXX XXXX Code XXXX ), which requires deletion upon identity theft reports. 

I have made multiple attempts to have these items removed through Equifaxs internal dispute process, and have provided documentation proving my identity and showing that these accounts are either fraudulent, resolved, duplicated, outdated, or inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Unable to open an account with XXXX XXXX due to an old issue with Regions Bank I did not commit at the time and asked if they could run camera back to date and time and they would not.

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 2025-06-09 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 2025-06-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-06-09 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-09 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint to report a case of identity theft that has affected my credit reports. I previously disputed and had these items removed due to confirmed identity theft. However, it has been re-reported to my credit report, which is both distressing and incorrect. 

This item should not have been reinserted, as I have already submitted all necessary documentation to the credit bureaus and relevant financial institutions, including : A police report confirming the identity theft An identity theft affidavit Prior dispute documentation proving this account was fraudulently opened without my consent This re-reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant financial and emotional harm. I am requesting the Consumer Financial Protection Bureau to review this matter and take immediate action to : Investigate why this account was reinserted despite being previously resolved Ensure this item is permanently removed from all three credit bureaus Prevent any future re-reporting of this fraudulent account Please see the attached police report and supporting documentation for your review. I appreciate your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-09 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: CA

Complaint narrative:
This complaint is being submitted to request the CFPBs support in ensuring Equifax follows the law by conducting a full investigation into my dispute submitted on XX/XX/year>, where I outlined inaccurate reporting across several accounts, including false payment history on collections, inconsistent dates across bureaus, active credit limits on charged-off accounts, and accounts missing payment amount details. I want each disputed element not just the account name but every field I specified to be examined and resolved. This complaint also serves as documentation of my formal dispute in case Equifax delays or fails to respond as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX. XXXX XXXX - XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX. XXXX XXXX - XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX XXXX XXXX XXXX XXXX XXXX  - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX XXXX XXXX XXXX XXXX XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX. XXXX XXXX - XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-09 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: PA

Complaint narrative:
A XXXX credit card was charged off and later sent to collections. In XXXX, the debt was forgiven and XXXX issued me a Form XXXX, indicating the cancellation of the debt for tax purposes. I included this as taxable income on my XXXX  tax return. 

I disputed the debt with all three credit bureaus and provided a copy of the XXXX as proof that the debt was canceled. XXXX  removed the account, but Experian and Equifax have refused to update or remove it, and they continue to report the account as unpaid. 

This reporting is inaccurate and violates the Fair Credit Reporting Act because : The creditor has officially canceled the debt. 
The debt is no longer legally owed. 
It is causing damage to my credit based on information that is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
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 -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX TX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief