vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I am submitting this complaint due to inaccurate and unverifiable information appearing on my consumer credit report as a result of my personal information being compromised in a data breach. 

After reviewing my credit reports, I identified multiple accounts that I do not recognize and am unfamiliar with. Due to the exposure of my personal information, I believe these accounts XXXX be the result of identity theft or unauthorized use. 

Disputed Account Details : Creditor : XXXX XXXX Balance : {$480.00} Date Opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX : {$6700.00} Date Opened : XX/XX/XXXX Account Number : XXXX I formally disputed these accounts with the Consumer Reporting Agencies ( CRAs ) and requested proper validation of the alleged debts. To date, the CRAs and/or furnishers have failed to provide competent evidence that I am legally responsible for these accounts. The information reported remains incomplete, inaccurate, and unverified. 

I have submitted an Identity Theft Report with the Federal Trade Commission ( FTC ), which supports my claim that my personal information was exposed and misused. Because of this data breach, the continued reporting of these accounts is causing ongoing harm to my credit profile and financial standing. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate and verify disputed accounts 15 U.S.C. 1681c-2 Requirements regarding identity theft and blocking fraudulent information Under federal law, information that can not be verified or that results from identity theft must be blocked or removed from my consumer file. 

I am requesting that the CFPB investigate this matter and require the Consumer Reporting Agencies, XXXX XXXX, and XXXX XXXX XXXX to either provide proper validation or permanently remove these inaccurate accounts from my credit reports. 

Thank you for your assistance in protecting my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTSXXXX XXXX XXXXXXXX Account No. XXXX, opened on XXXX FRAUDULENT HARD INQUIRIESXXXX XXXX XXXXXXXX XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

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 2025-12-25 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:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTSXXXX XXXX XXXXXXXX Account No. XXXX, opened on XXXX FRAUDULENT HARD INQUIRIESXXXX XXXX XXXXXXXX XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report multiple accounts currently appearing on my consumer credit profile that do not belong to me and are the result of inaccurate reporting. Despite my right to an accurate credit report, these erroneous accounts continue to be reported and are causing ongoing harm.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The presence of accounts that are not mine is clear evidence that this standard has not been met.

Additionally, pursuant to 15 U.S.C. 1681i ( 5 ), when information is disputed and can not be verified as accurate, it must be deleted or corrected promptly. These accounts are inaccurate, unauthorized, and unverifiable as they do not relate to me in any capacity. 
XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/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 2025-12-25 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:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I XXXX have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2025-12-25 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: MS

Complaint narrative:
I was in communication with this company, XXXX XXXX, several times last year advising them that I do not owe them anything. I don't know this company and I have not ever done business with them. 

This credit reporting agency has my credit report set up online where I can not dispute this account. This goes against the Fair Credit Reporting Act. Have XXXX XXXX to prove that I owe them and remove this derogatory and inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account went negative after several recurring automatic payments posted close together. Because overdraft protection was enabled, Wells Fargo approved the transactions and charged overdraft fees for each one. These fees compounded quickly and caused my account to reach a significant negative balance. 

I contacted Wells Fargo customer service multiple times to explain that I am a student, that the overdraft was caused by recurring charges, and that I have an incoming direct deposit scheduled for XX/XX/XXXX. I requested fee reversal, a payment arrangement, or any mitigation to prevent my entire paycheck from being consumed. I was told that no hardship accommodations or repayment options were available and that only overdraft protection could be removed. 

I am requesting review of these overdraft fees and fair mitigation, as the fees far exceed the original transactions and create financial hardship.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/25, I used XXXX 's bill pay feature to make a {$520.00} payment to American Express, but the Amex account number it was sent to was an old account that had been closed, so the payment was not returned and American Express has been unableto locate the funds. I've contacted American Express on numerous occasions over the past 3 months, have escalated the issue to their executive offices and provided her with the electronic trace information. To this date there has been no resolution and the funds have not been returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 seven 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 2025-12-25 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: EQUIFAX, INC.
State: MI

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my le. the items i need to delete are listed in the report. i am a victim of identity theft. i ask that the item be deleted to correct my credit report. i reported the theft of my identity to the federal trade of commission and i also have enclosed copies of the federal trade commission 's identity theft adavit. please delete the items as soon as possible.

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 2025-12-25 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: IN

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-25 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-25 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation