vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
15 USC 1681c-2 I am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items I want them blocked and removed immediately!! Also delete all hard inquiries & accounts listed on FTC including the following fraudulent account 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 non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a follow-up to my original complaint ( XXXX ) regarding XXXX XXXX XXXX  false and misleading response about a collection account related to XXXX XXXX XXXX. In their response dated XX/XX/year>, they falsely claimed that there is no trade line currently reporting on this account. This is completely inaccurate, as the account is actively reporting on both my Experian and TransUnion credit reports as of XX/XX/year>. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information to credit bureaus, and 15 U.S.C. 1681i, which mandates a prompt and complete investigation of disputed information. 

XXXX XXXX XXXX also stated that they are working with the creditor and the consumer to resolve the matter. If they were truly communicating with XXXX, they would know that the account in question has already been paid in full. I have documentation confirming payment as well as an email from XXXX verifying that the account has no outstanding balance. Continuing to report a paid account as active violates FCRA 623 ( a ) ( 2 ), which requires furnishers to update and correct information, and possibly 623 ( a ) ( 1 ) ( A ) for knowingly reporting false information.

Additionally, they claimed they are working with me directly. This is not true. I called their office and was told they could not speak with me because I am not listed on the accountonly my husband is. If I am not on the account, then they have no legal right to report this debt under my name. This would constitute unauthorized and unlawful credit reporting. If I am on the account, then refusing to speak with me violates my rights under FCRA 611 ( a ) and 623 ( a ) ( 8 ), which require that consumers be allowed to dispute debts and receive appropriate responses.

This company has demonstrated a pattern of disregard for my rights under the FCRA and submitted a response filled with falsehoods. If this is not corrected immediately, I will contact an attorney and seek damages under FCRA 1681n and 1681o for willful and negligent noncompliance. These damages include actual damages, statutory damages, attorneys fees, and potential punitive damages.

I have included pictures of what they are reporting on my credit that I have also attached.

I am demanding that this account be removed from all consumer reporting agencies immediately and that I receive written confirmation that it has been permanently deleted.

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 2025-06-14 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: IL

Complaint narrative:
I am submitting a follow-up to my original complaint ( XXXX ) regarding XXXXXXXX XXXX XXXX false and misleading response about a collection account related to XXXX XXXX XXXX. In their response dated XX/XX/year>, they falsely claimed that there is no trade line currently reporting on this account. This is completely inaccurate, as the account is actively reporting on both my XXXX  and TransUnion credit reports as of XX/XX/year>. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information to credit bureaus, and 15 U.S.C. 1681i, which mandates a prompt and complete investigation of disputed information. 

XXXX XXXX XXXX also stated that they are working with the creditor and the consumer to resolve the matter. If they were truly communicating with XXXX, they would know that the account in question has already been paid in full. I have documentation confirming payment as well as an email from XXXX verifying that the account has no outstanding balance. Continuing to report a paid account as active violates FCRA 623 ( a ) ( 2 ), which requires furnishers to update and correct information, and possibly 623 ( a ) ( 1 ) ( A ) for knowingly reporting false information.

Additionally, they claimed they are working with me directly. This is not true. I called their office and was told they could not speak with me because I am not listed on the accountonly my husband is. If I am not on the account, then they have no legal right to report this debt under my name. This would constitute unauthorized and unlawful credit reporting. If I am on the account, then refusing to speak with me violates my rights under FCRA 611 ( a ) and 623 ( a ) ( 8 ), which require that consumers be allowed to dispute debts and receive appropriate responses. This company has demonstrated a pattern of disregard for my rights under the FCRA and submitted a response filled
with falsehoods. If this is not corrected immediately, I will contact an attorney and seek damages under FCRA 1681n and 1681o for willful and negligent noncompliance. These damages include actual damages, statutory damages, attorneys fees, and potential punitive damages.

I have included pictures of what they are reporting on my credit that I have also attached.

I am demanding that this account be removed from all consumer reporting agencies immediately and that I receive written confirmation that it has been permanently deleted.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has falsely reported my mortgage as 30 days late for the months of XXXX, XXXX, and XX/XX/year>. This is incorrect. I have consistently made $ 500 monthly payments, as I have for over a year without issue. 

Not only have they failed to send any notice of any delinquency or a $ 38 monthly shortfall, but they also preemptively marked my XX/XX/year> payment as late on XX/XX/XXXX, even though my {$500.00} payment is already processing for delivery by XX/XX/XXXX well within a normal grace window. 

This behavior is misleading, inaccurate, and in violation of the Fair Credit Reporting Act. These false late reports have significantly harmed my credit and appear to be part of a pattern. XXXX previously operated under XXXX XXXX XXXX XXXX XXXX and has a documented history of violating the Fair Debt Collection Practices Act.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. 


Company or Organization : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX Account Number : 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 2025-06-14 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:
Guys, i was talking with my lawyers and we both have been in touch with the lenders and they're not providing me any evidence that those accounts are mine. I reported them that I AM A VICTIM OF IDENTITY THEFT, THEY AGREED TO TAKE CONTROL OF THE SITUATION but nothing has happened.

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 2025-06-14 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the deletion and blocking of all fraudulent accounts associated with my personal information due to a data breach that has compromised my identity. This breach has caused me significant financial and emotional distress and has severely impacted my ability to obtain credit or loans.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, which provides protection to victims of identity theft and data breaches, I respectfully request that you : 1. Delete and permanently block the fraudulent account, Bank of America of the amount of {$3100.00} and any information related to this account from my credit file.

2. Ensure that no further reporting or reinsertion of the blocked information occurs unless it has been verified as accurate and authorized by me.

As a victim of identity theft, I am extremely concerned about the ongoing and potential misuse of my personal information. I ask that you treat this matter with urgency and care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) 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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a Credit Card account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Credit Card account opened at XXXX XXXX XX/XX/XXXX under the account XXXX XXXX, and a XXXX  Loans account opened at DEPT OF EDXXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I reached out to XXXX XXXX in XX/XX/year> to apply for a California FHA home loan. At the time, I had funds available in my bank account, strong credit, and was fully prepared to begin the application process. XXXX initially took my information but failed to follow through. Instead of providing clear guidance or an explanation regarding the status of my application or eligibility, he repeatedly declined to move forward and refused to explain why. 

His lack of transparency, unwillingness to assist, and dismissive attitude have cost me the opportunity to purchase a home. I believe this behavior was unprofessional and may have been discriminatory or negligent. I am requesting a formal review of this interaction to understand why I was denied support and to ensure others are not treated the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I received a deferment for 3 months during the pandemic. My loan payments are XXXX. I received a monthly due amount of XXXX due on XX/XX/year>2025. I was not informed that a balloon payment of this amount would be due at the end of my car loan. I was told the 3 months would be placed on the back of my loan. The amount is incorrect as well as the instrest amount. 
I called on XX/XX/scrub>/2025 and was told my regular payment amount would not be acceptable and the full amount due is expected by the XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern Consumer Financial Protection Bureau ( CFPB ) I am writing to file a formal complaint against Wells Fargo Bank for closing my personal bank accounts without warning, explanation, or due processactions that have caused me extreme financial hardship and emotional distress. 

In XX/XX/year>, a wire transfer was made to my account by an individual I did not personally know. The request was made by an investor associated with my partner, who was overseas on business at the time. I was unaware of the transfer until it appeared on my account statement, and the understanding was that I would forward the funds to my partners overseas address. The funds remained untouched in my account for nearly a week before Wells Fargo labeled the transfer as unauthorized, yet I was never contacted or given a chance to explain or provide context. 

On XX/XX/year>, Wells Fargo abruptly closed all of my accounts and informed me that I would not regain access to my funds until XX/XX/year>. I am XXXX XXXX XXXX, an XXXX veteran in poor health, and live alone on a fixed income. Since XX/XX/XXXX, I have been unable to pay any of my bills or even purchase food. I have no access to alternate funds, and my only financial tools are my Wells Fargo accounts and credit cards. 

Furthermore, on XX/XX/XXXX, I received a letter from Wells Fargos Enterprise Complaint Management Office stating that I will receive a response within 10 business days. I can not survive another 10 days without access to my money. I need urgent access to my funds in order to pay rent, purchase groceries, and cover basic living expenses.

This situation has not only caused immense stress but has also resulted in my credit score dropping by over XXXX points. I am now at risk of eviction, despite having never missed a payment. I have no criminal record, and I consider Wells Fargos actions to be both unjust and potentially abusive. I feel that my right to due process has been ignored.

I respectfully request that the Consumer Financial Protection Bureau immediately investigate this matter and compel Wells Fargo to release my funds so I can meet my essential obligations and avoid irreparable harm. 

Sincerely, 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