vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my 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 2025-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subjet : Dispute of Inaccurate Information on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX XXXX XXXXXXXX account, as shown in the attached documentation. The account was closed in good standing, but with so many discrepancy in the three different credit bureaus. Equifax accurately reflects this showing only 120 days of late payments in different dates. Moreover, Experian and TransUnion continue to report incorrect information, including many late payments with different daates and amounts. This issue originated during the XXXX pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the CARES Act provisions, which offer protections for consumers impacted by XXXX. Additionally, I have disputed this inaccurate information more than 10 times with TransUnion, Equifax and Experian since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by The three of them are clearly inconsistent and so many erros which reflects the account as paid and closed and other reflects open.

The following are the key inaccuracies on the TransUnion, Equifax and Experian reports : 1. Many late payments are reported incorrectly dates, amounts and status.

2. Dispute history : The account has been in dispute for over a year, yet no meaningful investigation or corrections have been made. 3. Inconsistent account status : Equifax reflects open account, while TransUnion and Experian do not.

Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. TransUnion, Equifax and Experian 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses.

This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a new credit notification alert via XXXX. I logged in and noticed that on XX/XX/year>, an inquiry was made to XXXX  XXXX, XXXX XXXX XXXX, XXXX, OH. On XX/XX/year>, an inquiry was made to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. I called the ( XXXX ) XXXX number and the representative did not want to assist me as I was unable to provide her with the phone number used for the inquiry. Since I didn't know the phone number, the representative stated that she couldn't assist me. I then called the XXXX restoration team at ( XXXX ) XXXX and was advised to place a freeze on my account and that I would be contacted within XXXX hours. On XX/XX/year>, another inquiry was made to TD Bank USA/Target Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. I have placed a freeze on my account and don't know who is doing this. I do not have any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment history reported for following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. 
Please complete your investigation within the XXXX timeframe as required by the FCRA. Thank you for your attention to this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I enrolled in a program with XXXX XXXX with the promise of learning to build a successful digital course business. I paid nearly {$9000.00} in total, and was promised high-level mentorship, actionable results, and a clear roadmap to success. I followed the instructions exactly, remained consistent, and reached out for help multiple times. 

Unfortunately, my mentor was unreliable, frequently unresponsive, and even referred to me by another students name. Warm leads were lost because I couldn't get help in time. When I asked questions about next steps or asked for proof that the program worked as promised, I received no support. 

Eventually, I asked for a refund and was told it was not possible. No detailed breakdown of my obligations or supporting documentation was provided just a flat refusal. 

I now feel I am being harassed with letters attempting to collect the remaining balance, even though I received no value and was left without support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
A debt collector is reporting an invalid rental debt on my credit report. Collection account from XXXX XXXX XXXX with account # XXXX and XXXX XXXX XXXX with account # XXXX. I have disputed the debt multiple times and requested validation. They have failed to provide documentation such as a lease, itemized charges, or proof of authority to collect. Despite this, the debt remains on my credit file.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A debt collector is reporting an invalid rental debt on my credit report. Collection account from XXXX XXXX XXXX with account # XXXX and XXXX XXXX XXXX with account # XXXX. I have disputed the debt multiple times and requested validation. They have failed to provide documentation such as a lease, itemized charges, or proof of authority to collect. Despite this, the debt remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off.

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Illegal Foreclosure Threat During Active Sale ( Linked to Prior Case # XXXX ) On XX/XX/year>, Wells Fargo Home Preservation Representative XXXX XXXX confirmed receipt of my purchase agreement ( closing XX/XX/year> ) but refused to halt potential foreclosure or negative credit reporting, stating they " can not stop foreclosures. ' This violates 12 CFR 1024.41 ( g ) and compounds prior illegal acts documented in CFPB # XXXX ( income-blind modification ). Despite a payoff letter valid until XX/XX/year> ( {$190000.00} ), Wells Fargo is risking my sale through bad-faith servicing. ''

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 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has pulled my credit on many occasions without my permission and without me having any open accounts with them. XXXX accrued on XX/XX/XXXX as well as XX/XX/XXXX. Reporting the information to all three bureaus. XXXX XXXX as well has done a hard inquiry on my credit report XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/2022. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off.

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-05-15 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: NC

Complaint narrative:
I am formally demanding immediate attention to this complaint. My credit report contains clear inaccuracies that violate the legal standard of maximum possible accuracy. These errors are causing serious financial and emotional harm. I expect urgent correction or removalprompt action is not optional, it is required.

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 2025-05-15 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1.My correct spelling of my name is ( XXXX XXXX XXXX . ) Not : XXXX XXXX 2.XXXX XXXXXXXX XXXX XXXX need to be removed its been closed since 2019 trade-in auto 3.XXXX XXXX XXXX IS NOT MY LOAN ITS ON MY REPORT.ITS UNDER XXXX XXXX XXXX XXXX IS XXXX XXXX XXXX XXXX, XXXX IL XXXX 4.XXXX XXXX XXXX IS NOT MY ACCOUNT ITS XXXX XXXX XXXX THNK YOU XXXX XXXX SOC XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am a vitcim of identity theft. There are XXXX credit card accounts on my XXXX credit reporting agencies and XXXX inquiries which are listed on the report that i didnt give anyone permission or authorization to open these acocunts.

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 2025-05-14 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: GA

Complaint narrative:
I am a vitcim of identity theft. There are XXXX credit card accounts on my XXXX credit reporting agencies and XXXX inquiries which are listed on the report that i didnt give anyone permission or authorization to open these acocunts.

Company response to consumer: Closed with non-monetary relief