vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-10 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions XXXX XXXX regarding a series of unauthorized and unrecognized credit inquiries that appeared on my Experian credit report. 
I have never applied for credit or authorized any lender or broker to access my credit file on the following dates : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX L XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or approved by me, and I have no existing relationship with these entities. Their presence suggests potential identity theft or unauthorized access to my personal information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681b, a consumer reporting agency may only furnish a credit report to a party with a permissible purpose. Since no such permissible purpose exists in this case, Experian is in violation of the Act for allowing these inquiries to remain on my file. 

I have already taken steps to verify my identity and have not found any corresponding loan or credit applications related to these entities. Therefore, these inquiries are not valid and should not be associated with my credit history.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
To Whom It May Concern, In XX/XX/year>, I enrolled in the Beyond Finance Debt Resolution Program due to a significant and unsustainable debt burden. As a Registered Nurse and the sole provider for my child, who is on the XXXX XXXX, I made this decision to regain financial stability and work toward long-term goals, including homeownership. 
Since enrolling, I have accepted all resolution offers and have consistently met the agreed-upon payment terms, as documented in the attached materials. Prior to joining the program, my credit accounts were in good standing and payments were made on time. 
I respectfully request that this context be considered in the evaluation of my credit profile, as I am actively working to restore my financial health and creditworthiness. And the accounts and their payments be updated accordingly. 

Sincerely, 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 2025-11-10 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 reached out to the credit bureau and informed them that I am a victim of identity theft and submitted all necessary documents but they will not remove them from my credit report

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

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 2025-11-10 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: FL

Complaint narrative:
I am requesting a reinvestigation of the items below as part of my effort to fix and maintain an accurate credit file. Under the FCRA, all information reported must be accurate, verifiable, and complete. I am disputing the inquiries listed and requesting proper validation. 


INQUIRIES XXXX  XXXX XX/XX/year> Please validate that this inquiry is authorized and meets FCRA permissible purpose requirements. If not, please remove 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 2025-11-10 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX Tx. 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 2025-11-10 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
The following charged-off accounts are being disputed due to inaccuracies in the reporting on my TransUnion credit report : Charged-Off Accounts Dispute : 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 XXXXXX/XX/XXXX Late Payments Dispute : I am disputing the following late payment on my TransUnion report : XXXX XXXX Account Number 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 2025-11-10 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Wells Fargo Banks handling of a dispute on my account. 

I have a checking account with Wells Fargo. In my account, there were XXXX XXXX payments that I personally made. I filed a dispute with Wells Fargo regarding those transactions. However, during the dispute process, the bank mistakenly added a fourth XXXX charge that I did not authorize or include in my dispute. 

After I noticed this error, I immediately contacted Wells Fargo and explained that the fourth charge was added by mistake and that I wanted it removed. The representative confirmed that they would note the correction. 

After about XXXX days, I received a notice that my entire dispute was denied. I called Wells Fargo again to ask why my dispute was declined, and they told me it was because of XXXX XXXX charges. However, that fourth charge which they added by mistake was the one related to XXXX XXXX. I never disputed that charge myself ; Wells Fargo added it on their own. I explained this clearly and told them that the denial was based on their mistake, not mine. I asked them to fix it, but they refused, saying the decision was final. 

This situation is unfair because XXXX XXXX error directly caused my dispute to be denied. I am requesting the CFPBs assistance to ensure that my dispute is re-opened and reviewed correctly. 

I am requesting : That Wells Fargo re-open and properly review my original dispute for the XXXX XXXX transactions I actually submitted. 
That the mistakenly added fourth ( XXXX XXXX ) charge be removed from the dispute record. 
That Wells Fargo ensure accurate handling of disputes and accountability for customer reports of error. 

Details : Bank Name : Wells Fargo Bank Account Type : Checking Account Approximate Dates of XXXX Transaction Type : XXXX payments XXXX Case Number : # XXXX I am attaching supporting documents such as my statements and any proof showing the correct transactions. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in the amount of XXXX the company put this on my bill and i never had this service

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in the amount of XXXX the company put this on my bill and i never had this service

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from a person claiming to be a representative from Wells Fargo Bank. She said there were problems with my checking account and credit cards, and instructed me to transfer my funds to a new Wells Fargo account for security reasons. She asked me to confirm my username and to read a verification code, explaining that {$7000.00} would be transferred immediately and the rest the next morning. 
After finishing work around XXXX XXXX, I checked my account and saw that {$7000.00} had indeed been withdrawn, but it was sent to an account that did not belong to me. The recipients name was unfamiliar, and it appeared to be a personal account, not a legitimate Wells Fargo business account. 
I immediately contacted Wells Fargo and was told I had been a victim of fraud. The bank closed my accounts and said an XXXX would contact me within 5 days. I also filed a police report and provided that information to Wells Fargo. However, the XXXX never called. When I followed up, XXXX Wells Fargo representative told me my case was closed because the receiving bank did not respond. Another representative later informed me that the account that received the {$7000.00} was also a Wells Fargo account. 
I am extremely concerned that the scammer had full access to my credit card information ( including the security code ) and had previously made an unauthorized {$180.00} charge, which I also disputed. This suggests that the same person who defrauded me out of {$7000.00} XXXX be a Wells Fargo employee or has access to internal customer data. 
I am a student, and that {$7000.00} was intended for my university tuition. I am frustrated and desperate for a resolution. Wells Fargo has provided inconsistent information, delayed the investigation, and is refusing to recover my funds. I request an immediate investigation by the CFPB into this case and Wells Fargos handling of 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been disputing these same inaccurate accounts with Experian for more than XXXX months. Each time, Experian provides the same verified response with no documentation, no signed contracts, and no validation from any furnisher. 
This is not a reinvestigation this is negligence. Experian is in violation of multiple federal laws and Metro 2 reporting standards.

Below are the inaccurate, outdated, and unverifiable items Experian continues to report : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} balance ) Account reported as a charge-off despite a XXXX balance. 
This violates Metro 2 4.2.1, which prohibits zero-balance accounts from being coded as charge-offs.

No charge-off notice, final statement, or accounting provided.

Continued reporting of a derogatory account with no validation violates FCRA 607 ( b ) and 611 ( a XXXX XXXX XXXX XXXX XXXXharge-Off ( {$0.00} balance ) Inconsistent data between bureaus : Experian lists as derogatory while others list paid. 
No payment ledger, settlement confirmation, or validation ever produced. 
This is misleading, outdated information and a XXXX XXXX XXXX status violation. 
XXXX Purchased by Another Lender ( XXXX XXXX ) Account sold or transferred, but Experian continues to list it as active and derogatory. 
No documentation from XXXX or XXXX XXXX verifying the debt. 
Reporting a sold account as an active obligation is a FCRA XXXX ( b ) and FDCPA XXXX ( XXXX ) violation. 
XXXX ( XXXX XXXX XXXX ) XXXX {$1300.00} All three bureaus report different last-payment dates and inconsistent remarks. 
No signed contract, billing ledger, or charge-off calculation provided. 
XXXX reinvestigation process violates FCRA XXXX ( a ) copying data from the furnisher is not an investigation. 
Duplicate and Conflicting Data Errors Multiple accounts appear duplicated with the same account numbers but different balances. 
Experian has ignored requests to reconcile or remove duplicates, violating XXXX XXXX XXXX ( account-number uniqueness ). 
Pattern of XXXX and XXXX XXXX Experian has repeatedly been fined and sued by the CFPB, FTC, and state attorneys general for identical conduct failing to reinvestigate disputes, ignoring consumer evidence, and providing false verification results. 
Experian was also the subject of multiple data breaches, placing consumers at further risk while refusing to correct their files. This is reckless disregard for federal law.

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