vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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:
The account entry is not representative of my payment practices and appears to be in error. Kindly conduct a review and eliminate it.

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 2025-10-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I previously disputed this account with Portfolio Recovery Associates. On XX/XX/year>, XXXX  reported it as verified, but they did not provide any documentation or explain how the verification was done, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). I have requested a full reinvestigation with complete verification, including all supporting documentation and contact information of the party who verified the account. If they can not provide this, the account should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Also, according to FCRA section 605b, it is illegal to report information on my credit report without my permission. Bounce AI has done this and I would like this account deleted and removed from my credit report. I also have proof of this. I also have proof that I requested Proof of Ownership of the Debt, the Original Credit Agreement, an Itemized List of Charges, Account Statements, Verification of Debt Amount, and the Statute of Limitations on this debt. They were not able to provide this nor chain of custody.

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 2025-10-08 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Also, according to FCRA section 605b, it is illegal to report information on my credit report without my permission. Bounce AI has done this and I would like this account deleted and removed from my credit report. I also have proof of this. I also have proof that I requested Proof of Ownership of the Debt, the Original Credit Agreement, an Itemized List of Charges, Account Statements, Verification of Debt Amount, and the Statute of Limitations on this debt. They were not able to provide this nor chain of custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

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 2025-10-08 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: CL Holdings LLC
State: GA

Complaint narrative:
The inaccurate reporting has damaged my credit score, caused credit denials or higher costs, and created undue burden and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KS

Complaint narrative:
I sent my son {$400.00} on his sponsored account on Cash App on XX/XX/year>. I didnt know his account was frozen, but they still let me send the money. I found out the account was frozen on XX/XX/year> when he sent me {$8.00} and in the notes put some emojis ( because hes XXXX and didnt know any better ) that cash app flagged saying they were against community standards. I responded to an email ( cash app asling him to explain himself ) after I finally got them to send it to me ( the adult on the account ), explaining he didnt know what he was doing. Ive talked with chat supper, Ive called and talked with them, Ive requested a refund which was denied, I asked them if he could just withdraw the money into a bank, Ive asked them to close his account, the only response Ive gotten boils down to wait up to 30 days, the account is under review and well email you with a response. Its been over 30 days and I still havent gotten a response, and they wont allow me to withdraw my money or close his account because its still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Request to Remove Inaccurate Personal Information and Update Consumer Report Dear TransUnion LLC Consumer Dispute Center, I am writing to formally dispute inaccurate personal identifying information appearing on my consumer report issued by TransUnion LLC Consumer Dispute Center. My correct and current information is as follows : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Upon reviewing my report, I noticed that it contains incorrect and outdated names and/or addresses that do not belong to me. I am requesting that TransUnion LLC Consumer Dispute Center immediately delete all inaccurate or unverifiable personal identifiers from my consumer file and retain only the information listed above as accurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under 15 U.S.C. 1681i ( a ), you are obligated to reinvestigate any disputed information and correct or delete any data found to be inaccurate, incomplete, or unverifiable. 

Please send me an updated and corrected copy of my consumer report once these changes have been made, reflecting the removal of all erroneous names and addresses. 

My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. My name is XXXX XXXX XXXX. Remove any phone number they do not belong to me. My employer is XXXX XXXX XXXX, Price Cutter, and The Love Collection. These are my ONLY employers. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last four ) XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Misreporting of Paid Account ( XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Acct. No. XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 
As shown in the attached official correspondence from XXXX XXXX XXXX XXXX XXXX Department, dated XX/XX/XXXX, the account was paid in full and settled with a final payment of {$1500.00}, and no further collection activity will occur. The letter clearly states that XXXX XXXX will update the credit bureaus accordingly. 
However, despite this written confirmation, the account continues to be reported inaccurately and is not reflecting as Paid in Full with XXXX balance and no late payments. This is both misleading and damaging to my credit profile. 
This inaccurate reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( XXXX ) : FCRA XXXX ( b ) : Requires credit reporting agencies to ensure the maximum possible accuracy of all information reported. 
FCRA 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information and timely correction or deletion of inaccurate or incomplete data.

FCRA 1681c-2 ( FACTA ) : Requires permanent correction or blocking of inaccurate or unverifiable information once supporting documentation is provided.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion or modification of any inaccurate or unverifiable data within 30 days of receiving notice from the consumer. 
You are now in receipt of verifiable documentation from the original creditor ( XXXX XXXX XXXX XXXX ) proving that this account is satisfied in full, with no remaining balance or delinquencies. Therefore, you are legally required to immediately update and correct this tradeline across all reporting systems. 
I am demanding that you : Correct the status of this XXXX XXXX XXXX XXXX account to reflect Paid in Full / Settled {$0.00} Balance / No Late Payments. 
Provide written confirmation of these updates within 30 days. 
Ensure this correction is applied to all affiliated consumer databases and that no residual negative data remains. 
I am requesting that you act expeditiously on this matter as required by FCRA 611 ( 15 U.S.C. 1681i ). If the inaccurate reporting is not corrected within the statutory time frame, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for investigation and enforcement. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Stay within compliance by deleting disputed accounts as required by 15 U.S. Code 1681g.

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 2025-10-08 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-08 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-08 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Complaint against : Wells Fargo Bank Product : Credit card Case ID with Wells Fargo : XXXX What happened : I am filing this complaint because Wells Fargo has failed to properly handle multiple fraudulent transactions on my credit card from a merchant listed as XXXX XXXX TO XXXX XXXX MI located in XXXX. These transactions occurred in XX/XX/year> and were unauthorized. I have never made any purchases from this vendor and have never been to XXXX. 

Over the past two years, I have contacted Wells Fargo more than 20 times to report and resolve this issue. Despite my repeated efforts, my case has been marked pending for long periods and then closed with no refund or clear explanation. 

I also requested that Wells Fargo close my compromised credit card and reissue a new one, but my account remains open. Because of this, I am afraid to use it and have lost confidence in the banks ability to protect my funds. 

A quick online search shows this same merchant has been linked to fraudulent activity, which confirms that this was not an isolated incident. Wells Fargos lack of timely investigation and reimbursement violates Regulation E of the Electronic Fund Transfer Act, which requires prompt resolution of unauthorized transactions.

I am requesting that the CFPB ensure Wells Fargo : 1. Reopens and escalates my fraud case immediately. 
2. Issues a full refund for all fraudulent charges from XX/XX/year>. 
3. Closes and replaces my credit card account to ensure future security.

4. Provides a written explanation for why the case was closed despite clear evidence of fraud and repeated follow-up. 

I have attached a screenshot from my statement showing the fraudulent transactions for review.

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 monetary relief
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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