vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered multiple accounts that were opened or used without my authorization. Beginning in early XXXX, an unknown individual used my personal information to open several credit card accounts with various companies. These accounts accumulated fraudulent charges totaling several XXXX dollars. 

I became aware of the issue in XX/XX/year> after noticing irregular activity and receiving unexpected notifications. Upon reviewing my credit reports, I identified multiple fraudulent accounts and inquiries, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and unauthorized auto-related inquiries from XXXX  XXXX  and XXXX XXXX. 

As soon as I became aware of the activity, I contacted each company to report the fraud, dispute the charges, and request that the accounts be closed and removed from my credit report. I also filed reports and began taking steps to secure my information, including placing alerts and disputing each unauthorized item with the appropriate credit bureaus. 

These actions were taken promptly after discovery, and none of the accounts or charges were created, approved, or used by me.

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 2025-11-28 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) failed to provide legally required validation under FDCPA 809 ( b ) and continues to furnish inaccurate and incomplete information to Equifax, XXXX, and XXXX  in violation of FCRA 623 ( a ). 

XXXX provided only ( XXXX ) a generic now owns letter from XXXX XXXX and ( XXXX ) a statement of the balance. They did NOT provide : itemized accounting, full chain of title, proof of ownership tied to my account, original signed agreement, transaction history, documentation supporting the reported balance. 

This is NOT legally sufficient validation. 
The validation package XXXX sent me is attached. 
( From pages XXXX of their response. ) Further Violations : Re-aging ( illegal ) XXXX is reporting late payments after XXXX XXXX charged off the account. 

Missing DOFD None of the bureaus report the correct DOFD from Capital XXXX ( FCRA 623 ( a ) ( 5 ) ). 

Conflicting statuses Reported as Collection, Charge-Off, and Open. 

Time-barred debt misuse XXXX admits the debt is beyond the statute of limitations but continues to report in a misleading manner. 

Inconsistent reporting across bureaus XXXX claims they verified but provided no documentation. 

XXXX, XXXX, and Equifax Violations ( FCRA 611 ( a ) ) : All XXXX bureaus failed to conduct a reasonable reinvestigation : XXXX simply marked the account as Active Dispute and closed the investigation. 

Equifax claimed verified and changed XXXX field but did not address the inaccuracies. 

XXXX failed to correct DOFD or re-aging and kept contradictory statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) failed to provide legally required validation under FDCPA 809 ( b ) and continues to furnish inaccurate and incomplete information to XXXX, Experian, and XXXX  in violation of FCRA 623 ( a ). 

XXXX provided only ( XXXX ) a generic now owns letter from XXXX XXXX and ( XXXX ) a statement of the balance. They did NOT provide : itemized accounting, full chain of title, proof of ownership tied to my account, original signed agreement, transaction history, documentation supporting the reported balance. 

This is NOT legally sufficient validation. 
The validation package XXXX sent me is attached. 
( From pages XXXX of their response. ) Further Violations : Re-aging ( illegal ) XXXX is reporting late payments after XXXX XXXX charged off the account. 

Missing XXXX None of the bureaus report the correct DOFD from XXXX XXXX ( FCRA 623 ( a ) ( 5 ) ). 

Conflicting statuses Reported as XXXX, XXXX, and XXXX. 

Time-barred debt misuse XXXX admits XXXX debt is beyond the statute of limitations but continues to report in a misleading manner. 

Inconsistent reporting across bureaus XXXX claims they verified but provided no documentation. 

Experian, XXXX, and XXXX  Violations ( FCRA 611 ( a ) ) : All XXXX bureaus failed to conduct a reasonable reinvestigation : XXXX simply marked the account as Active Dispute and closed the investigation. 

XXXX  claimed verified and changed XXXX field but did not address the inaccuracies. 

Experian failed to correct XXXX  or re-aging and kept contradictory 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 2025-11-28 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXXXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2025-11-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$620.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$620.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-28 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: HI

Complaint narrative:
I am disputing the following accounts with XXXX due to inaccuracies related to charge-offs and late payments. 

Charged Off : XXXX, Account XXXX. XXXX, Reported Date : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} Late Payment : XXXX, Account No. 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 2025-11-28 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXaccount-XXXX  ( per Credit Report)XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am unfamiliar with these inquiries and believe they were made without my permission. Please examine this issue and resolve it promptly. Documentation is provided for clarification.

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 2025-11-28 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: MS

Complaint narrative:
To Whom it may concern : RE : Formal Notice of Metro-2, FCRA, FDCPA, and Reporting Violations Under 15 USC 1681 , 15 USC 1692, and CFPB regulations This letter is a formal demand for reinvestigation and correction under : - FCRA 15 USC 1681e ( b ) - FCRA 15 USC 1681i - FCRA 15 USC 1681s-2 - FDCPA 15 USC 1692e - CFPB Regulation V - Metro-2 CRRG Guidelines I am disputing the accounts listed below because the information being furnished is inaccurate, misleading, and not following Metro-2 reporting format. 
XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 1692e - Metro-2 violation - Case Law : XXXX XXXX TransUnion Request : Delete this from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Duplicate delinquency reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Incorrect post-closure reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXXXXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACTION REQUIRED : - Delete inaccurate payment history - Provide updated reports If unverifiable, you must remove it under FCRA 1681i ( a ) ( 5 ).

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
To Whom it may concern : RE : Formal Notice of Metro-2, FCRA, FDCPA, and Reporting Violations Under 15 USC 1681 , 15 USC 1692, and CFPB regulations This letter is a formal demand for reinvestigation and correction under : - FCRA 15 USC 1681e ( b ) - FCRA 15 USC 1681i - FCRA 15 USC 1681s-2 - FDCPA 15 USC 1692e - CFPB Regulation V - Metro-2 CRRG Guidelines I am disputing the accounts listed below because the information being furnished is inaccurate, misleading, and not following Metro-2 reporting format. 
XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 1692e - Metro-2 violation - Case Law : XXXX XXXX TransUnion Request : Delete this from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Duplicate delinquency reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Incorrect post-closure reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXXXXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACTION REQUIRED : - Delete inaccurate payment history - Provide updated reports If unverifiable, you must remove it under FCRA 1681i ( a ) ( 5 ).

Sincerely,

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 2025-11-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AR

Complaint narrative:
I am a XXXX recipient of federally protected XXXX and dependent funds. Comerica BankXXXX  XXXX XXXXntentionally withheld my survival funds. 
XXXX. Refusal & Deception : XXXX XXXX illegally withheld my entire XXXX check in [ XX/XX/2024 ]. They refused to release the funds, citing a false identity issue. A representative later admitted the issue was an internal typo in my email address, but the bank refused to correct it immediately, forcing me to wait weeks. 
XXXX. XXXX  XXXX : The bank refused to return a {$150.00} refund I was due ( for an XXXX XXXX XXXX XXXX XXXX, claiming I still owed the creditor, even after the refund was processed. I explicitly told the representative the money was needed for my XXXX, and they continued to deny access to my protected funds. 
XXXX. Harassment : On XX/XX/XXXX, I was placed on hold for over XXXX hour and XXXX minutes. The representative was rude, refused to provide her name, and hung up on me, demonstrating a willful pattern of abusive customer service and failure to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Problem Type : Unauthorized transactions/ Fraud dispute Description : On XX/XX/year>, I filed a claim ( Claim XXXX XXXXXXXX ) for a {$150.00} transaction at XXXX XXXX, which I did not authorize. My debit card was in my possession, no devices with digital wallets were lost, and my PIN was secure. 

XXXX XXXX XXXX Department completed an investigation on XX/XX/year>, and denied my claim without providing evidence. I filed a second dispute with the XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/year>, which also upheld the denial. 

I was not at that location and did not make this purchase. My debit card was in my possession, and my card information was clearly scanned and used without my permission. I provided Wells Fargo proof that I was not near the XXXX XXXX  at the time of the transaction because I was getting my haircut XXXX miles away.

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 2025-11-28 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: NJ

Complaint narrative:
Unauthorized inquiries continue to show up on my credit report this morning and I am completely frustrated because I have no idea why they were not removed. Refreshing my browser did nothing. I am pleading for the documents I provided to be checked immediately so I can finally have peace of mind.

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 2025-11-28 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$5000.00} from my Chase checking account via XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXXXXXX, XXXX XXXX XXXX after he induced the payment with a signed investment contract promising {$8000.00} back in XXXX year ( see attached Section XXXX : in exchange for the equal amount of {$8000.00} USD ). 

After XXXX  months, he admitted in writing that there is no payment guarantee and refused to pay ( attached texts ). This is an active XXXX scheme. I filed a fraud dispute with Chase on XX/XX/XXXX and uploaded the contract, receipt, and texts. Chase denied the claim on XX/XX/XXXX ( Claim XXXX XXXXXXXX ) and refused to reverse the transaction despite clear evidence of fraudulent inducement.

Company response to consumer: Closed with explanation