vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-21 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am requesting a XXXX  adjustment from Wells Fargo for three late payments reported in 2025 across two auto loans.

During that period, I was undergoing major medical treatment for stage XXXX XXXX, which included hospitalization, XXXX to remove half of my XXXX, and strict self-quarantine due to immune complications. 

Despite these medical challenges, I continued making payments and never defaulted or had a vehicle repossessed. Wells Fargos reporting of these payments as late does not reflect my overall payment history or financial responsibility.

I have contacted Wells Fargos Executive Office with supporting documentation ( medical letter and pr
oof of payments ) but have not received a resolution. I am seeking the removal or re-aging of the three late payments under goodwill and medical hardship considerations. 

I am requesting that the CFPB ensure Wells Fargo conducts a fair and expedited review of this matter in accordance with the FCRA and Equal Credit Opportunity 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 2025-10-21 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: PA

Complaint narrative:
I am submitting this dispute once again regarding inaccurate and unverifiable information that continues to appear on my Equifax, TransUnion, and Experian credit reports despite my previous efforts to have these errors corrected. This dispute concerns two critical categories of reporting inaccuracies that are negatively affecting my creditworthiness and misrepresenting my financial history. First, several addresses are being reported that have no connection to me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, all located in XXXXXXXX XXXX  These addresses are inaccurate and should not be associated with my credit file. Second, multiple accounts reported by XXXX and one reported by XXXX XXXX XXXX  continue to reflect false late payment data that directly contradicts my verified payment history. These inaccuracies persist despite previous disputes, and their continued reporting demonstrates a failure to maintain the standard of maximum possible accuracy as required under FCRA 607 ( b ). Additionally, these errors raise concerns under FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should reasonably know to be inaccurate.

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 2025-10-21 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: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: MD

Complaint narrative:
In XX/XX/year>, I discovered multiple inaccurate late-payment notations and unauthorized inquiries on my TransUnion credit report. These issues appeared after the confirmed XXXX TransUnion data breach, in which consumer data was exposed. 
The late-payment marks were reported on several accounts that have always been paid on time, and there are inquiries that I never authorized. These inaccuracies have negatively impacted my credit standing. 

On XX/XX/year>, I submitted a written dispute to TransUnion requesting removal of all inaccurate late-payment notations and unauthorized inquiries, citing my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I also requested that all unverifiable information be corrected or deleted within four ( 4 ) days of receipt due to the breach exposure.

To date, no corrections have been confirmed. I am seeking immediate reinvestigation and removal of all inaccurate late-payment data and unauthorized inquiries, as well as written confirmation of the corrections.

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 2025-10-20 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-20 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-21 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-21 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AE

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 all of those attached in dispute letters. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I an unable to attach/ generate a FTC report due to the government shutdown and the site being down.

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 2025-10-20 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: U.S. BANCORP
State: TN

Complaint narrative:
The US Bank company is refusing to remove a disputed charge from a XXXX order that they did not catch as fraud on XXXX XXXX XXXX. The amount was XXXX. They did catch the fraud charges placed after this but are refusing this one because XXXX messed up and send something to my name and address that is not mine. The boxes came via USPS and I can subpoena my mail delivery lady and verify this info that they were marked XXXX not XXXX. The 2 packages took up the entire back of her vehicle. I opened them and it was in each box a set of aluminum crutches. The packages list stated from XXXX, I called XXXX and they told me to keep the product since it was not mine no return necessary. The crutches are in a closet here but I did throw away the outside box. Again my mail person can verify and I have the tracking info from the USPS that they were coming with the delivery. I have no use for crutches. when I have a pharmacy 5 miles from to purchase if I did find the need. They keep insisting XXXX was not in the picture but XXXX sellers use XXXX fulfillment daily for these practices. I did request proof from them as well as the ISP where the order was placed from. The ISP address is traced to a location XXXX XXXX from me over XXXX miles away. I can also provide my XXXX purchase history to prove that I did not place this order. We are extremely rare people to order over {$100.00} from XXXX This is also fraud being as this card advertises zero liability on the terms and conditions.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a new complaint against Equifax for gross negligence, illegal reinsertion of fraudulent information, and providing a deceptive response to my prior CFPB complaint ( # XXXX ). I am a confirmed victim of identity theft ( FTC Report # XXXX ). 

Here is the timeline of Equifax 's failures : Phase XXXX : Initial Success - On XX/XX/year>, after my initial dispute, Equifax correctly deleted several fraudulent accounts, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit score immediately jumped by XXXX points to XXXX. This proves Equifax knew these accounts were inaccurate. 

Phase XXXX : Illegal Reinsertions - Equifax then illegally reinserted the same fraudulent accounts back onto my report in violation of the FCRA. 
- On XX/XX/year>, the fraudulent XXXXXXXX XXXX XXXX XXXX XXXX was reinserted, causing my score to drop XXXX points to XXXX. 
- On XX/XX/year>, the fraudulent XXXX XXXX XXXX  was reinserted, causing my score to drop another XXXX points to XXXX. 
I was never provided the legally required XXXX written notice for these reinsertions. 

Phase XXXX : Deceptive Response to CFPB - In its official response to my prior complaint on XX/XX/year>, Equifax falsely represented to the CFPB that the " XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED ''. This was a lie by omission, as they had already reinserted that account 11 days prior. They also claimed to have " verified '' the XXXX XXXX account, contradicting their own action of deleting it a month earlier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: UT

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Original creditor XXXX Balance : {$1400.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX  XXXX  XXXX Original creditor XXXX XXXX  Balance {$520.00} XXXX XXXX Original creditor XXXX XXXX Balance {$310.00} XXXX XXXX Original creditor XXXX XXXX Balance {$310.00} XXXX XXXX XXXX Original XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: UT

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Original creditor XXXX Balance : {$1400.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX  XXXX  XXXX Original creditor XXXX XXXX  Balance {$520.00} XXXX XXXX Original creditor XXXX XXXX Balance {$310.00} XXXX XXXX Original creditor XXXX XXXX Balance {$310.00} XXXX XXXX XXXX Original XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : TRANSUNION : XXXX XXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXXXX XX/XX/year> TransUnion ; XXXX XXXX XXXXXX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; XXXX XXXX XX/XX/year> TransUnion ; XXXX XX/XX/year> TransUnion ; EQUIFAX : XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; XXXX XX/XX/year> Equifax ; I never applied for credit with these companies. My personal information was used without my permission. 

These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion and Equifax credit report as required by FCRA 605B. Must be handled by the Fraud Department. 

I am attaching : XXXX. A copy of my ID XXXX. Proof of current address XXXX. A pending police report confirming the identity theft XXXX. A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 

Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I went and financed a car and myself and my co-buyer sign in wet signature ink. Then they gave me my copy. But it is blank and not signed. When I ask they sent me a copy with e -signature that I never authorized and but forged on. Unfair and not equal terms in contract. 
I ask for my original wet ink signature contract they gave me a forged e-sig.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has inaccurately reported a missed payment on my credit report despite receiving and processing negotiable instruments as payment. 

Between XXXX and XX/XX/year>, I submitted remittance coupons with attached letters of instruction, which constitute negotiable instruments under UCC 3-104. These were not rejected or returned by American Express and were accepted as payments. 

Under UCC 3-603 ( a ), an obligation is discharged to the extent of a tendered payment if not refused. Their own monthly billing statements during this time reflected a minimum payment due of {$0.00}, confirming that they processed the instruments. 

However, American Express has falsely reported a missed payment to the credit bureaus and referred the matter to a third-party collection agency without adjusting the public balance or properly reflecting payment on the ledger. This is a misrepresentation of the account status and a failure to maintain accurate credit data.

Company response to consumer: Closed with non-monetary relief