vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute and request a thorough reinvestigation into the following accounts that appear on my credit report. I believe these accounts to be fraudulent, as they were allegedly opened while I was a minor. Specifically, I was only 12 years old at the time many of these accounts were initiatedlegally incapable of entering into binding financial agreements.

Under 15 U.S.C. 1681c-1 and 1681c-2, which provide protections for victims of identity theft, I am requesting that these items be blocked from my credit report unless the creditor can provide documented proof that I was legally able and authorized to open these accounts at that time.

As required by 15 U.S.C. 1681i ( a ), I expect a reinvestigation of the disputed information to be completed within 30 days of your receipt of this letter. Please contact the relevant creditors to verify the legitimacy and accuracy of these entries. If the information can not be adequately verified, I request that it be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute and request a thorough reinvestigation into the following accounts that appear on my credit report. I believe these accounts to be fraudulent, as they were allegedly opened while I was a minor. Specifically, I was only 12 years old at the time many of these accounts were initiatedlegally incapable of entering into binding financial agreements.

Under 15 U.S.C. 1681c-1 and 1681c-2, which provide protections for victims of identity theft, I am requesting that these items be blocked from my credit report unless the creditor can provide documented proof that I was legally able and authorized to open these accounts at that time.

As required by 15 U.S.C. 1681i ( a ), I expect a reinvestigation of the disputed information to be completed within 30 days of your receipt of this letter. Please contact the relevant creditors to verify the legitimacy and accuracy of these entries. If the information can not be adequately verified, I request that it be permanently deleted from my credit 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 2025-05-14 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: AZ

Complaint narrative:
I am disputing the inaccurate personal information currently being reported on my Experian credit report. Specifically, the report lists my previous address as XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XX/XX/year> ) and includes XXXX incorrect employer entries, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both of which are outdated and no longer relevant to my current employment status. This incorrect information not only fails to accurately reflect my current financial standing but also exposes me to potential issues with credit approval, insurance rates, and even employment background checks, where precise and current information is critical. 

Moreover, inaccuracies in personal information can lead to serious consequences, including the improper association of accounts, delays in credit decisions, and potential security risks. The Fair Credit Reporting Act ( 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ) ) clearly mandates that credit reporting agencies must ensure the maximum possible accuracy of consumer data, including personal identifying information. By maintaining outdated and incorrect addresses and employer records, Experian is failing to uphold this obligation, creating unnecessary complications and potential harm to my financial stability. 

Additionally, the inclusion of this outdated address and incorrect employment history raises concerns about potential data breaches or errors in their data collection processes. This is particularly troubling given the sensitive nature of personal information and the critical role it plays in financial decision-making. As a consumer, I have a right to accurate and up-to-date information, and any deviation from this standard represents a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I reviewed my Equifax credit report and found several incorrect variations of my legal name listed under the Names Reported section. The correct and legal name is XXXX XXXX XXXX. However, Equifax is reporting numerous misspelled, fragmented, or unauthorized versions, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a written request to have these removed as they do not reflect my legal identity and may interfere with the accuracy of my file or cause misattribution of accounts. As of this complaint, the errors remain unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
am filing this complaint against both Equifax and XXXX XXXX XXXX regarding an inaccurate and damaging credit report entry. 

I paid off the account held with XXXX XXXX XXXX in full on [ insert payment date ], but my Equifax credit report still shows it as unpaid or not updated. This has caused an unfair drop in my credit score. 

I believe XXXX XXXX XXXX failed to report the updated status to Equifax, and Equifax failed to ensure the accuracy of this data. I have attached proof of my payment and a screenshot of my Equifax credit report showing the error. 



This inaccuracy is causing harm to my financial progress and credit-building efforts. Please take action swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I woke up today and saw an unauthorized inquiry on my credit report, and I dont understand why its there. I regularly monitor my report, and this unexpected entry has caught me completely off guard. I even tried refreshing my browser just in case it was a system error, but nothing changed. This is incredibly frustrating, and I need the documents I sent to be checked right away to put an end to this stress.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Account showring for # XXXX from Southwest Credit Systems and I have no knowledge of this account and or is fraud and is not mine needs to be removed immediately. 
Creditor said its a medical bill from XXXX which I have no knowledge of as well is medical and under XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I believed I was working with a legitimate company to help repair my credit. I made two initial payments of {$550.00} and {$450.00}. Shortly after, an additional unauthorized charge of {$450.00} was withdrawn from my account, which raised immediate red flags and led me to realize I was likely being scammed. 

I contacted US Bank right away to report the fraud. The bank issued provisional credits for all three transactions {$550.00}, {$450.00}, and another $ XXXX the claim was being reviewed. I was told I would be contacted for additional information or to provide supporting documentation, but I never received any follow-up or requests. 

Now, more than a month later, US Bank has reversed the provisional credits without warning, leaving my account overdrawn and forcing me to cover the {$2700.00} that was fraudulently taken. Despite multiple requests, I still havent received any documentation or explanation from the bank regarding the reversal or the investigation process. 

I feel that US Bank is not treating this matter with the urgency or seriousness it deserves. Ive been left financially burdened by this scam and the lack of support from my bank. All I want is to recover the money that was wrongfully taken from my account.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/XXXX RE XXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B 15 USC 1681 C2 THAT YOU THE CREDIT REPORTING AGENCY BLOCK INFORMATION APPEARING ON MY CONSUMER REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 3 BUSINESS DAYS OF YOU RECEIVING THIS, FRAUDULENT & INACCURATE FALSE INFORMATION CONSIST OF 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 EQUIFAX 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 EQUIFAX CONSUMER SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX CONSUMER SERVICES XXXX EQUIFAX 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 DONT RECOGNIZE THE MENTION ACCOUNTS, COLLECTIONS, & HARD INQUIRIES AS REPORTED. THE MENTIONED ACCOUNTS, COLLECTIONS, AND INQUIRIES APPEARING ON MY CONSUMER REPORT MAINTAINED BY YOU, WHERE NOT OPENED MADE OR INTERACTED BY ME AT ALL, ALL OF THE MENTIONED ACCOUNTS ARE RESULTS OF IDENTITY THEFT AND FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering I did not open these inappropriate accounts and was not aware of their existence, I immediately ask that they be removed from my credit report. Please remove them within 15 days in accordance with USC 1681g. The necessary supporting documentation are included.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my transunion and equifax Credit reports and noticed multiple inquires on my credit report I called the credit bureaus and they did not cooperate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX XXXX with a balance of {$9400.00}, opened on XX/XX/year>. I did not authorize this account, and it should not be on my credit report. 

Under FCRA Section 605B and 15 U.S. Code 1681b, this account must be removed if its reported without my permission. 

Please delete this account from my credit report within 4 business days and confirm in writing once its been removed. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX XXXX, has reported multiple student loan delinquencies to the credit bureaus despite my loans being placed in administrative forbearance due to a XXXX XXXX consolidation process. 

I received an official letter from XXXX dated XX/XX/XXXX, stating that my loans were in forbearance while my consolidation is being processed. This letter also confirmed that an administrative forbearance had been applied to bring my account current. Nevertheless, I received XXXX new delinquent account notifications from the credit bureaus, resulting in a drop of my credit score from approximately XXXX to XXXX. This happened on XX/XX/XXXX so 6 days after my forbearance letter. 

These delinquencies were reported after the forbearance had been initiated, which I believe constitutes either a misreporting or a failure to update the credit reporting agencies properly. 

I have attempted to contact XXXX and am submitting a goodwill removal request. However, given the severity of the impact to my credit profile and the timing of the reporting during active forbearance, I am requesting the CFPB 's assistance in ensuring : The removal or correction of all inaccurately reported late payments from my credit history. 

Confirmation from XXXX that forbearance was properly applied to all of my loans. 

Assurance that my credit profile is restored to reflect timely payments during this consolidation period. 

I am attaching a copy of the XXXX forbearance notice for reference. Thank you for your assistance in resolving 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