vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
I am filing this complaint because Experian has not properly addressed the disputes I submitted regarding inaccurate and misleading information on my credit report. I provided documentation and requested a thorough review, but my disputes were either ignored or closed without any meaningful explanation or correction. 

Experian is legally obligated under the Fair Credit Reporting Act ( FCRA ) to perform a reasonable investigation and to remove any information that can not be verified. By failing to fulfill this responsibility, Experian is allowing harmful and unverified accounts to remain on my report, which is unfairly affecting my credit. 

I am asking Experian to reopen these disputes and to remove all inaccurate and unverifiable information from my credit file as required by law. Documentation is attached 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 explanation
Consumer complaint received 2025-06-11 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In reference to your letter dated XX/XX/2025, concerning my recent request to remove fraudulent and inaccurate entries from my Equifax credit report resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: HI

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Hawaii State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX from XXXX Florida XXXX. The fraud began with an unsolicited message from a woman identifying herself as XXXX, claiming to be with XXXX XXXX. She contacted me via XXXX using the number XXXX ( XXXX ) XXXX XXXX. Stealing my social security, credit card, driver license number and passport information. This became very concerning after I realized this was a scam. She had me deposit {$15000.00} from my Wellsfargo savings account which ended up being a sophisticated scam that has caused significant financial loss, severe identity loss and sensitive information theft. Wells Fargo was unable to retrieve the {$15000.00} from XXXX XXXX scam corporate.

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 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Request for Reinvestigation Procedure Description Complaint Regarding Equifax and XXXXXXXX XXXX  Account # XXXX Dear Consumer Financial Protection Bureau, This correspondence is a follow-up to my original complaint regarding Equifaxs reporting XXXX XXXX XXXX Account # XXXX. 

Equifax responded stating the following : XXXX XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, BALANCE, ADDITIONAL INFORMATION, ACCOUNT HISTORY. 

While I appreciate the response, I am formally requesting a description of the reinvestigation procedure conducted by Equifax, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). The statute clearly states that if the consumer requests it, the consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the disputed informationand must do so within 15 days of the request.

Accordingly, please obtain from Equifax and provide to me the following : XXXX. A detailed description of the reinvestigation procedure used by Equifax in response to my original dispute of the XXXX XXXX  account ; XXXX. Information regarding what documents or data were reviewed and whether any direct verification from XXXXXXXX XXXX ( or XXXX XXXX XXXX  was obtained ; XXXX. Any correspondence or notes indicating how Equifax evaluated the accuracy of the fields that were modified ( i.e., Past Due, Balance, Additional Information, and Account History ) ; 4. Confirmation of how the data was verified as accurate, and who provided that confirmation. 

I am exercising my legal rights as a consumer under the FCRA and expect full compliance. Failure to provide this information within 15 days of this written request would constitute a violation of federal law. 

Thank you for your attention and for assisting with the enforcement of consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to report fraudulent financial activity that has severely impacted my credit and continues to cause me emotional and financial distress. 

While I was married to a XXXX XXXX who did not have a Social Security number, he was unable to open financial accounts in his own name. Without my knowledge or consent, he fraudulently opened an XXXX credit card and XXXX American Express accounts under my nameone personal and XXXX business. He forged my signature on the applications, used the accounts without my authorization, and proceeded to XXXX them out. 

As a result, I am now being held responsible for over {$20000.00} in debt that I did not incur. Debt collectors continue to call me relentlessly, and these fraudulent accounts have significantly damaged my credit report. I have already filed a report with IdentityTheft.gov and am in the process of recovering from this identity theft. 

I am requesting the Consumer Financial Protection Bureau to help ensure that : These fraudulent accounts are removed from my credit report ; I am not held financially liable for any of the unauthorized charges ; The debt collectors are directed to cease all contact regarding these accounts. 


This situation has caused undue hardship, and I respectfully request immediate assistance to resolve the matter. 

Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: HI

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Hawaii State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
They accepted my application at Wells Fargo, but after all, in the end they ask me for proof of address, but they only accept water or electricity bills, or cell phone bills. The problem is that those bills don't come in my name, so there's no way to prove the address. So if I don't upload the evidence before XX/XX/year>, they'll close my account. Because of this, I want to remove that card from my report and thus eliminate the hard inquiry.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full written verification of this debt before any further collection actions are taken. I ask that you provide detailed documentation confirming the amount, the legal obligation to pay, and proof that your agency is authorized to collect on behalf of the original creditor. Additionally, I have received a judgment letter pertaining to this matter. However, I have noticed that this judgment is not reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-06-11 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:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-06-11 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: TN

Complaint narrative:
Complaint Against : Experian and Equifax Furnisher : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear CFPB, I am submitting this complaint due to inaccurate, unverifiable, and conflicting reporting by Experian and Equifax regarding an alleged collection account from XXXX XXXX XXXX ( Account # : XXXX * * * * ). Despite previous disputes, both bureaus continue to publish misleading data. 

Key Inaccuracies and FCRA Violations XXXX. Inconsistent and Unsupported Date Last Active Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These differing Date Last Active entries are not only inconsistent but also unsupported by consumer activity. This artificially re-ages the debt and misleads scoring models. 

FCRA 607 ( b ) : Duty of consumer reporting agencies to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Information known or believed to be inaccurate must not be furnished. 

2. Misleading Payment History Reporting ( Equifax ) Equifax shows 25 months of OK payments, even while simultaneously reporting : Account Status : Derogatory Payment Status : Late 120 Days Past Due : {$630.00} This is a direct contradiction and misrepresents the account as being paid on time while simultaneously delinquent and charged off. 

FCRA 623 ( a ) ( 2 ) : Duty to correct and update information.

FCRA 605 ( a ) : Misleading account history violates permissible content rules.

3. Failure to Validate Account Neither Experian nor Equifax has provided validation of the debt, despite previous disputes.

No documentation has been provided to support the dates, balance, or status being reported.

FCRA 611 ( a ) ( 1 ) : Consumer has the right to dispute and demand deletion if not verified.

FCRA 609 ( a ) ( 1 ) : Bureaus must provide the source and documentation used to verify. 

Enforcement Reference : Equifax {$15.00} XXXX Fine The CFPB ordered Equifax to pay {$15.00} XXXX in XXXX for : Failing to properly investigate disputes, Verifying information without documentation, And violating the FCRA and CFPA. 

This case reflects the same failure to ensure accuracy and transparency. Experians continued verification without correction is equally negligent. 

Requested Resolution : 1. Delete this account from Experian and Equifax immediately.

2. If retained, provide the following : Original creditor documentation validating the account.

Payment and charge-off records supporting the status and timeline.

3. Remove misleading OK payment history from Equifax if the account remains derogatory.

Thank you for your attention to this matter and for holding data furnishers accountable to the law. 

Respectfully, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX under the account number XXXX, a lease account at XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation