vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-10 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Account Consumer Adj CO I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Re : Request for Removal of Unauthorized Hard Inquiries ( XX/XX/XXXX XX/XX/XXXX ) To Whom It May Concern : I have recently confirmed that my personal information was used fraudulently to pull hard inquiries on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681b ), you may only report inquiries made with the consumers authorization. 

I authorize the single inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX, but I did not authorize any other hard inquiries on my file between XX/XX/XXXX and XX/XX/XXXX, inclusive. 

Requested Actions : Delete all hard-credit inquiries from my Equifax, Experian, and TransUnion files dated between XX/XX/XXXX and XX/XX/XXXX, except the XXXX XXXX  XXXX XXXX  inquiry on XX/XX/XXXX. 

Send written confirmation from each bureau once deletion is complete. 

Provide twelve months of complimentary credit-monitoring services at no cost to me, to guard against further 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 non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Re : Request for Removal of Unauthorized Hard Inquiries ( XX/XX/XXXX XX/XX/XXXX ) To Whom It May Concern : I have recently confirmed that my personal information was used fraudulently to pull hard inquiries on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681b ), you may only report inquiries made with the consumers authorization. 

I authorize the single inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX, but I did not authorize any other hard inquiries on my file between XX/XX/XXXX and XX/XX/XXXX, inclusive. 

Requested Actions : Delete all hard-credit inquiries from my Equifax, Experian, and TransUnion files dated between XX/XX/XXXX and XX/XX/XXXX, except the XXXX XXXX  XXXX XXXX  inquiry on XX/XX/XXXX. 

Send written confirmation from each bureau once deletion is complete. 

Provide twelve months of complimentary credit-monitoring services at no cost to me, to guard against further fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for repeated, willful, and unlawful violations of the Fair Credit Reporting Act ( FCRA ). 



Summary of Key Violations : 1. Accounts previously deleted in XXXX including XXXX XXXX XXXX  ( CASH 1 ) and XXXX XXXX XXXX  Mobility ( via XXXX XXXX XXXX ) have been reinserted under alternate names without proper notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 
2. Experian has verified multiple disputed accounts as accurate despite : Confirmation from XXXX and my auto loan lender that no delinquencies were ever reported. 
My submission of proof and documentation. 
Direct violations of FCRA Sections 607 ( b ), 611, and 616.

3. Four separate personal loan accounts from XXXX XXXX XXXX are reporting on my file, even though : I never opened any of them. 
No validation has been provided. 
They are causing direct harm to my creditworthiness. 
4. TransUnion has blocked access to my legally entitled credit reports via both their own site and XXXX. This is a violation of my right to access my file under federal law. 
5. I have received dispute outcomes falsely marked as verified by Experian despite full supporting documentation and I now have reason to believe that internal staff are deliberately mishandling my disputes. 



Additional Accounts That Must Be Deleted Immediately : All four ( XXXX XXXX XXXX XXXX XXXX accounts ( personal loans opened fraudulently ). 
California Check Cashing / CASH XXXX ( deleted in 2023 and improperly reinserted ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously deleted, reinserted under new furnishers ). 
XXXX XXXX Accept ( fraudulent auto loan opened by my ex-husband ; I submitted a police report, signed affidavit, and fraud confirmation from the lender ). 
XXXX XXXX XXXX ( this was a XXXX XXXX buyback, not a repossession ; reporting is false ). 
XXXX XXXX XXXX ( I have no real estate account or debt with this entity ). 



Evidence I Have Collected : Screenshots showing deleted accounts being reinserted Credit reports across all three bureaus Letters and confirmations from original creditors All dispute outcomes and timestamps Police report and affidavit for fraud All FTC identity theft and fraud filings ( to be submitted to the California Attorney General ) Proof that I was denied access to TransUnion reports Additional Action Being Taken : I am submitting this complaint to : The Consumer Financial Protection Bureau The Federal Trade Commission The California Attorney Generals Office I am also preparing to pursue civil litigation and criminal charges for willful misconduct, fraud, and the intentional mishandling of my federally protected 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 non-monetary relief
Consumer complaint received 2025-07-10 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 am submitting this formal complaint against Experian, Equifax, and TransUnion for repeated, willful, and unlawful violations of the Fair Credit Reporting Act ( FCRA ). 



Summary of Key Violations : 1. Accounts previously deleted in XXXX including XXXX XXXX XXXX  ( CASH 1 ) and XXXX XXXX XXXX  Mobility ( via XXXX XXXX XXXX ) have been reinserted under alternate names without proper notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 
2. Experian has verified multiple disputed accounts as accurate despite : Confirmation from XXXX and my auto loan lender that no delinquencies were ever reported. 
My submission of proof and documentation. 
Direct violations of FCRA Sections 607 ( b ), 611, and 616.

3. Four separate personal loan accounts from XXXX XXXX XXXX are reporting on my file, even though : I never opened any of them. 
No validation has been provided. 
They are causing direct harm to my creditworthiness. 
4. TransUnion has blocked access to my legally entitled credit reports via both their own site and XXXX. This is a violation of my right to access my file under federal law. 
5. I have received dispute outcomes falsely marked as verified by Experian despite full supporting documentation and I now have reason to believe that internal staff are deliberately mishandling my disputes. 



Additional Accounts That Must Be Deleted Immediately : All four ( XXXX XXXX XXXX XXXX XXXX accounts ( personal loans opened fraudulently ). 
California Check Cashing / CASH XXXX ( deleted in 2023 and improperly reinserted ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously deleted, reinserted under new furnishers ). 
XXXX XXXX Accept ( fraudulent auto loan opened by my ex-husband ; I submitted a police report, signed affidavit, and fraud confirmation from the lender ). 
XXXX XXXX XXXX ( this was a XXXX XXXX buyback, not a repossession ; reporting is false ). 
XXXX XXXX XXXX ( I have no real estate account or debt with this entity ). 



Evidence I Have Collected : Screenshots showing deleted accounts being reinserted Credit reports across all three bureaus Letters and confirmations from original creditors All dispute outcomes and timestamps Police report and affidavit for fraud All FTC identity theft and fraud filings ( to be submitted to the California Attorney General ) Proof that I was denied access to TransUnion reports Additional Action Being Taken : I am submitting this complaint to : The Consumer Financial Protection Bureau The Federal Trade Commission The California Attorney Generals Office I am also preparing to pursue civil litigation and criminal charges for willful misconduct, fraud, and the intentional mishandling of my federally protected credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I filed a factual dispute with TransUnion regarding several negative and inaccurate accounts reporting on my credit file. I provided clear details and documentation supporting my claim and requested a proper reinvestigation. However, TransUnion failed to take meaningful action or provide verification of the accounts in question. The items I disputed remain unchanged, with no evidence that a proper review was conducted. This lack of response and accountability violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the requirement to complete a reasonable reinvestigation within 30 days.

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 2025-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Method of Verification per 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in regard to a recent investigation you conducted concerning information I disputed in my credit file. I previously submitted a formal dispute about the accuracy of certain items on my credit report, and I have since received your response indicating that the information was " verified as accurate. '' Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with a detailed description of the method of verification, including : The name, address, and telephone number of each furnisher of information you contacted ; The method by which the information was verified ; Any supporting documentation provided by the furnisher ; and The name of the person or department at the furnisher that confirmed the information.

As a consumer, I am entitled to know how you verified the disputed information, and I request a response within the time required by law.

Please send the requested information to my address listed above. I appreciate your cooperation and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a query with my information which I don't recognize.

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 2025-07-10 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello I am filing this complaint due to what I believe to be profiling and the ongoing, unreasonable delay in the processing of my loan assumption application with Wells Fargo Home Mortgage, associated with the above-referenced loan number. 
I initially submitted my application in XX/XX/scrub> 2025 and have since fully complied with all documentation requirements. I have submitted every document requested by Wells Fargo in a timely manner. Despite repeated follow-ups over the past five months, they rejected my original assumption loan that it was approved. I have not received a clear update or meaningful explanation for the prolonged delay and sudden rejection even after I provided the additional documents.

My original application was denied after approval without a reasonable explanation. I was then asked to reapply, which I did in XX/XX/scrub> 2025. After submitting the requested documents again, my application was denied a second time, citing vague and unreasonable reasons related to my income and living situation. And I am being asked to reapply again for submitting additional documents without giving me a chance to provide those documents on the current application.

Throughout this process, I have been repeatedly asked to re-submit documents that were already provided. Each inquiry is met with vague responses such as your file is under review, with no accountability or indication of progress. I firmly believe I am being profiled and that Wells Fargo is handling my application unfairly and discriminatorily.

This delay has severely impacted my personal and financial stability, as I am unable to manage or finalize critical matters related to the property until the loan assumption is completed.

I respectfully request that Wells Fargo be required to : Provide a formal written update on the status of my loan assumption application Clearly explain the reasons for the delay and/or denial Establish and commit to a reasonable and fixed timeline for resolution I am requesting the assistance of the Consumer Financial Protection Bureau ( CFPB ) and/or the Office of the Comptroller of the Currency ( OCC ) to review this matter and ensure Wells Fargo is held accountable to fair and timely servicing standards, as required under applicable federal mortgage servicing laws, including the Real Estate Settlement Procedures Act ( RESPA ).

Thank you for your attention to this matter.

Sincerely, Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts for debts I do not recognize. Potential duplicate entries, and validation was not provided upon request. One of these accounts dates back to XXXX and may exceed the reporting limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving notice. 

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX * * * * Balance {$0.00}, XXXX XXXX * * * * Balance : {$0.00}, XXXX 'S XXXX XXXX XXXX * * * Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX * Balance : {$0.00}, XXXX XXXX XXXX * * * * Balance : {$1400.00}, XXXX XXXXXXXX * * * * Balance : {$0.00}, XXXX  XXXX * * * * Balance : {$7600.00}.

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