vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NY

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 2025-09-24 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: NY

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 2025-09-24 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has placed hard inquiries on my credit file that I did not initiate or authorize. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
This letter serves as my formal dispute of the late payment currently reflected on my credit record. My records clearly show timely payments, making this entry inaccurate and damaging to my creditworthiness. Allowing this error to remain is misleading and unjust.

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 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from experian report and I was alarmed to discover a negative account that I did not open or authorize. This account is negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to this account, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that this account is investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX  ( original creditor XXXX XXXX {$13000.00} account # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from experian report and I was alarmed to discover a negative account that I did not open or authorize. This account is negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to this account, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that this account is investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX  ( original creditor XXXX XXXX {$13000.00} account # 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a serious dispute regarding fraudulent accounts currently being reported under my credit file. These accounts were not created, authorized, or in any way connected to me, and their inclusion represents a grave misrepresentation of my financial history. Allowing such inaccurate information to remain on record is highly damaging and undermines the credibility and accuracy of my credit report. This situation poses not only a threat to my financial stability but also to the security of my personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Executive Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX  To : XXXX XXXX, Escalations Representative Enterprise Complaints Management Office Wells Fargo & Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo & Company Subject : Formal Trustee Response Case Numbers XXXX, XXXX, XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, respectfully acknowledge receipt of your correspondence dated XXXX XXXX XXXX I am compelled to respond and clarify the record as follows : 1. Nature of the Trust The XXXX XXXX XXXX XXXX XXXX is not a business trust as alleged, but an Irrevocable Private Common Law Trust Organization established for lawful fiduciary and estate purposes. It operates privately and does not function as a commercial business entity. 

2. Tax Identification Number ( TIN ) As a separate legal and fiduciary entity, the Trust is entitled to use its own EIN/TIN for financial operations. Requiring the personal Social Security Number of the Trustee is both improper and inconsistent with standard fiduciary practices in trust banking. 

3. Mischaracterization of Documents Your letters suggestion that the documents provided may be unlawfully advertised or sold is unfounded, inappropriate, and dismissive of lawful private trust instruments. The documents submitted are original, authentic, and executed in good faith by the Trustee. 

4. Equal Treatment and Non-Discrimination Wells Fargo has a duty under federal law to provide equal treatment and not discriminate against lawful private trust organizations. To refuse account establishment on the grounds provided constitutes an unjust denial of fiduciary banking services. 

5. Request for Executive Review Given the closure of this case without satisfactory resolution, I am formally requesting immediate escalation to Wells Fargo Executive Office, specifically the office of XXXX XXXX XXXX XXXX, XXXX. The matter is already before the CFPB and XXXX and further regulatory escalation will be pursued if necessary. 



Requested Action I require confirmation, in writing, that the Trust may establish a proper fiduciary account under its lawful EIN/TIN, and I request the appropriate executive contact to complete this process. 

I look forward to XXXX XXXX prompt and good-faith response. 

Respectfully, By : XXXX XXXX XXXX XXXX XXXX Executive Trustee 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 explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by experian. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my dispute letter supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Complaint is that I have an account recording on my Trans Union credit report that is from 2018. It is a closed account. It was closed in 2018 with a XXXX balance. I have asked Trans Union through a dispute process XXXX different times to remove this from my credit report because it is past XXXX years old now. Old accounts that are passed XXXX years from the day that it was delinquent are supposed to be able to be removed .. they will not remove it. They are not even filing my dispute correctly. They are filing my dispute under the terms that the information is not correct. I never said that the information was inaccurate. Its an old account that needs to be removed and I need help because theyre not willing to help 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 non-monetary relief
Consumer complaint received 2025-09-24 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: PA

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 2025-09-24 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: NV

Complaint narrative:
I am a victim of identity theft and recently a victim of a data breach on which all of my personal information had been exposed and there is an account being reported that does not belong to me. Under FCRA 623 ( a ) ( 8 ) and 623 ( b ) you are required to cease reporting this fraudulent accountand to conduct a reasonable investigation. Any continued reporting or collection efforts will constitute willful non-compliance under 15 USC 1681n,1681o. XXXX XXXX XXXX XXXX Account Number : ( XXXX ). I am the victim of identity theft and a data breach. A fraudulent account was opened and reported by XXXX without my knowledge, authorization, or consent. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documentation, XXXX  has continued to furnish this fraudulent information to XXXX, Equifax, and XXXX. 

Violations include : FCRA 623 ( a ) ( 6 ) : Furnishing information known to be the result of identity theft.

FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a direct dispute.

FCRA 623 ( b ) : Failure to investigate and correct inaccurate information furnished to credit bureaus. 

I am requesting that XXXX immediately : 1.Permanently block and delete the fraudulent account.

2.Cease furnishing this account to XXXX, Equifax, and XXXX.

3.Provide written confirmation that the account has been removed and will not be pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Garrison Investment Group
State: TX

Complaint narrative:
My statement date of XX/XX/year>. stated my monthly automatic payment of XXXX. 
The interest due with this statement was {$41.00}. 

My statement date of XX/XX/year> stated my monthly automatic payment of XXXX. 
The interest due with this statement is {$150.00} The third representative with Foundation was XXXX. She had the same explanation as the first two. 
" Foundation recently changed there billing procedures. The interest is now prorated reflecting daily interest until the end of the current billing cycle. She stated that the amount of interest accumulated as of XXXXXXXX  was XXXX. When my payment is drafted for this cycle my interest paid will be XXXX. My draft is remaining at XXXX. '' The question I had, they could not answer, " why my regular billing cycle interest of XXXX is now XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I had got charged for time that I wasnt leaving there

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Letter enclosed was sent to debt collectors re : debt being sold and requiring validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Good afternoon, I purchased a gift card from XXXX and activated it. It stated I had to wait about 48 minutes before use. I waited and then tried to pay at a gas station where the card was declined. I called back the customer service number and they told me the only way was to mail me a new one. I stated I do not have an address to send the mail to. Essentially I was told that without a valid mailing address, they don't send out a new one. I stated why can you not just replace it with a virtual gift card you already have my money and info and they said they do not do that ( I guess that would make too much sense for them ). 

Not only was I not helped at all, I was hung up on multiple times and had to call back and go through talking to multiple supervisors multiple times as well as multiple holds. Finally, after being provided with no solution, hung up on multiple times, and not given the info I needed to formally complain, I decided id try to come here and see if CFPB can help me here. The fact that this is a massive company and they are refusing to replace a XXXX XXXX  gift card is insane. The customer service reps were not helpful and the " managers '' they put me on the line with did not even know their own policies, were condescending, and just ignored everything I said to just say they " understand and are sorry '' but provided no actual solution. I have never even sent a meal back at a restaurant, I've never complained about a business or company once in my life, but I feel as if the fact that I'm going through this with AMEX, tons of other people are probably too, so if this complaint can change things for the better and bring to light shady business practices that they are using, then this is worth it. When asking a yes or no question about the situation, the rep refused to give me a straight forward answer instead choosing to play the runaround the question game. I asked to speak to the head manager in charge and was told they do not speak to customers and that the current " manager '' I was talking to was the last one I would be allowed to speak with. The 2 " managers '' I spoke to were named XXXX and XXXX. 
Hopefully the names help this cause. Information is provided below : XXXXXXXX  XXXX XXXXXXXX XXXX gift card plus a XXXX XXXX  activation fee so almost XXXXXXXX XXXX  total. 
XXXX called back multiple times, was hung up on multiple times 4.no actions were taken by AMEX to help in any way except for transferring calls to different " managers '' or " supervisors '' and being told how they are so sorry. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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 2025-09-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some accounts that i don't recognize and are a result of identity theft. 

Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation