vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have repeatedly disputed inaccurate information on my credit report with XXXX XXXX and Experian regarding an account listed as : Creditor name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Balance Due is incorrect. Balance Due is reporting an owed amount of {$27000.00}. Per XXXX XXXX, the correct balance owed is {$2700.00}. 

Despite submitting documentation clearly proving this information is incorrect, the bureaus continue to report it inaccurately.

1. Documentation Submitted : 2. Snapshot of inaccurate report 3. Snapshot of correct balance owed from Creditor I submitted formal disputes on the following dates : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Each time, the bureaus closed the dispute without correcting the error and without conducting a reasonable investigation, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623.

This has impacted my credit score, ability to obtain credit, and has caused me financial and emotional distress.

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 2025-07-17 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: FL

Complaint narrative:
I have repeatedly disputed inaccurate information on my credit report with Transunion, XXXX XXXX XXXX regarding an account listed as : Creditor name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Balance Due is incorrect. Balance Due is reporting an owed amount of {$27000.00}. Per XXXX XXXX, the correct balance owed is {$2700.00}. 

Despite submitting documentation clearly proving this information is incorrect, the bureaus continue to report it inaccurately. 

1. Documentation Submitted : 2. Snapshot of inaccurate report XXXX. Snapshot of correct balance owed from Creditor I submitted formal disputes on the following dates : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Each time, the bureaus closed the dispute without correcting the error and without conducting a reasonable investigation, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623.

This has impacted my credit score, ability to obtain credit, and has caused me financial and emotional distress.

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 2025-07-17 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: MA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. There was a time where I didn't have to make payments because I had set it up accordingly to that. I recently changed my email account and I was not aware that my payment plan has started back up. Which cause this late payment on my account which affected my credit. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to refiect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to PayPal Inc. \nwhen I called XXXX XXXX XXXX XXXX  the agent couldnt tell me what was the charge for and the exact date of the charge. He also gave me my old email and phone number which wasnt associated with my current PayPal account. I told him I will look into it and I will be back to him.\nPayPal confirmed I dont owe any money to them, all my purchases linked to my credit card I dont have PayPal credit account/card.\nShe told me not to send any response or information to XXXX XXXX XXXX XXXXnI cant believe actually they were sending this statement looks very real, except its not because I dont owe money .'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I checked my credit report and notice I had an account with XXXX XXXX XXXX saying that the real creditor is XXXX with the balance of {$990.00}. I have no clue I believe this account is fraud or a mistake and its messing up my credit report. With Equifax, Trans Union, and Experian,,, Please show proof or please delete immediately my credit is suffering due to this and I have inquiries due to this problem please delete both immediately,

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 2025-07-17 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: NY

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

1681c-2 ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: LJ Ross Associates
State: MI

Complaint narrative:
Ive been contacted about this debt that is from a few years back repeatedly. more recently ive noticed that there is a debt collection team contacting me now that ive never given any personal information too any personal records and im almost positive thats a direct violation of my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I open3d up s XXXX XXXX  checking account on XX/XX/2025 and transferred XXXX to it 3 days later they said it was suspended. The wanted documents which I sent and then 5 days later they wanted .ore and I sent them and I ask for the account to be closed and send my XXXX back. The refuse to close it orunsuspend it. I ha e ordered the debit card and it is on the way. It has been 14 days now and nothing. I think they are frauds.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally report a serious mishandling of known fraudulent activity that resulted in multiple compromises of my Wells Fargo accounts and serious concerns regarding the banks fraud protocols.Dates are XX/XX/year> and XX/XX/year> I have been a Wells Fargo customer for over XXXX years. In a recent incident, my original checking account was compromised by a fraudulent {$1800.00} ACH transfer and a suspicious {$0.00} micro-deposit from an unknown entity. I immediately contacted Wells Fargo to report both transactions. 

While the {$1800.00} was refunded and acknowledged as fraud, the {$0.00} micro-deposit which I also flagged as suspicious was not removed or blocked. Instead, Wells Fargo subsequently transferred that same {$0.00} deposit into my newly opened account, which was intended to be secure. 

When I noticed this and raised the issue again, Wells Fargo responded by sending the {$0.00} back to the original sender thereby confirming the existence and validity of my new account to a likely fraudster. Following this mishandling, that second account was compromised for {$500.00}, forcing Wells Fargo to shut it down and open yet another account all within the span of about a month. 

This sequence is unacceptable : I clearly reported both the {$1800.00} fraudulent ACH and the {$0.00} micro-deposit. 

Wells Fargo refunded the large amount, but ignored the smaller, more dangerous indicator. 

By transferring and returning the {$0.00}, Wells Fargo exposed my new account. 

The result was repeat fraud and the need to open a third account in less than 30 days. 

Two representatives confirmed that this issue was being escalated, but I am now requesting a formal, written response. Specifically : Confirmation that this incident including the improper handling of the {$0.00} deposit has been escalated to fraud and risk management. 

A full internal review of why a flagged transaction from a known compromised account was moved into a new account. 

A written explanation of what Wells Fargo is doing to prevent this kind of security lapse from occurring again. 

As a long-time customer, I expected better safeguards and internal coordination. This pattern of mistakes caused me financial loss, inconvenience, and exposed personal account data to malicious actors. I trust this will now receive the serious review it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These inaccuracies are having a direct and ongoing negative impact on both my financial stability and overall well-being. 
This is an especially difficult time for me, and the continued presence of these errors is placing an undue burden on my life. I respectfully urge your office to conduct a prompt and thorough reinvestigation into these matters.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-07-17 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: TX

Complaint narrative:
There was a data breach in the credit bureau and my information was stolen and used on the black market.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
100 % Guaranteed refund was in the works, after refunding {$5500.00} of {$29000.00} the process stopped. Chargeback to Citibank rescinded with a letter saying {$1900.00} will be added back to my XXXX Citibank Card. Following that decision means two more Chargeback amounts, {$600.00} and {$4800.00} will soon follow. It was a Citibank customer service representative who identified those charges and assisted me in filing the chargeback amounts, even noting the refunds that commenced in 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 2025-07-17 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: GA

Complaint narrative:
My information reporting on my credit report is not accurate. 
My address is not correct and the company is giving me a hard time making the necessary changes. Which is effecting the accurate reporting. 
Also my my personal information and employment information. I tried to reach out in numerous occasions and no help was giving. I have tried to mail in a copy of my social which they requested to verify myself and they stated nothing was received. I have attached a copy of my social which was asked for me to mail in which I did and the company never received

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