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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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

Complaint narrative:
nauthorized hard credit inquiries on my credit reports, which I did not initiate or consent to. These inquiries include, but are not limited to : Equifax report : 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 XXXX 

These inquiries were made fraudulently and without my knowledge or authorization. I have never applied for credit with these companies and have no relationship with them. 

On XX/XX/XXXX, I formally disputed these inquiries with Equifax, Experian, and TransUnion. My disputes included my FTC Identity Theft Report, proof of identity, and proof of address. I invoked my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( right to a reasonable reinvestigation ), 611 ( a ) ( 5 ) ( A ) ( deletion of unverifiable information ), and 605B ( blocking of fraudulent information when an identity theft report is provided ).

I also reminded the bureaus of their obligations under the Fair Debt Collection Practices Act ( FDCPA 1692g ), which prohibits furnishers and collectors from reporting or collecting debts without providing proper validation.

Despite these disputes, the fraudulent inquiries remain on my credit file, continuing to damage my credit profile. These unauthorized inquiries have lowered my credit score, caused me emotional distress, and risked denial of legitimate credit applications. 

The bureaus have failed to fulfill their legal duties to block and remove fraudulent items within XXXX business days upon receipt of my FTC Identity Theft Report, as required by FCRA 605B.

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 2025-09-09 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: CA

Complaint narrative:
nauthorized hard credit inquiries on my credit reports, which I did not initiate or consent to. These inquiries include, but are not limited to : Equifax report : 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 XXXX 

These inquiries were made fraudulently and without my knowledge or authorization. I have never applied for credit with these companies and have no relationship with them. 

On XX/XX/XXXX, I formally disputed these inquiries with Equifax, Experian, and TransUnion. My disputes included my FTC Identity Theft Report, proof of identity, and proof of address. I invoked my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( right to a reasonable reinvestigation ), 611 ( a ) ( 5 ) ( A ) ( deletion of unverifiable information ), and 605B ( blocking of fraudulent information when an identity theft report is provided ).

I also reminded the bureaus of their obligations under the Fair Debt Collection Practices Act ( FDCPA 1692g ), which prohibits furnishers and collectors from reporting or collecting debts without providing proper validation.

Despite these disputes, the fraudulent inquiries remain on my credit file, continuing to damage my credit profile. These unauthorized inquiries have lowered my credit score, caused me emotional distress, and risked denial of legitimate credit applications. 

The bureaus have failed to fulfill their legal duties to block and remove fraudulent items within XXXX business days upon receipt of my FTC Identity Theft Report, as required by FCRA 605B.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I got a notice on my credit report that Hunter Warfield is trying to collect {$26000.00} from me for a property I never rented. I own my current house and never rented from XXXX XXXX or XXXX XXXX. I've already disputed my credit report to show that this action was indeed fraud. I am not sure if this company is acting fraudulent by renting to fake individuals in order to have their units filled or if my information was stolen by a renter acting like me. I would like to have someone either investigate XXXX XXXX for doing this. Also, I have done a skip trace on the address that the XXXX XXXX  aka rental company says that I rented before and it clearly shows that another person lives there or have been living there for the past 2 years and NOT my name.

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

Complaint narrative:
I am disputing accounts that are being reported under my name without my authorization or awareness. I have never opened, authorized, or managed these accounts. Their presence on my credit file is inaccurate, misleading, and damaging to my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquent status on certain accounts. According to my recordsand the terms we agreed uponthese accounts were not late. I request that these entries be corrected to Paid as Agreed and that all delinquency notations 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been incorrectly attached to my credit report. These accounts do not belong to me and were never authorized by me. Their inclusion is a serious misrepresentation of my financial history and creates an inaccurate portrayal of my creditworthiness. This false reporting has already inflicted measurable harm, including reputational damage, potential loss of financial opportunities, and undue stress. It is unacceptable for accounts that I did not create or authorize to remain on my record.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts reported under my credit file. These accounts were not authorized by me and are the result of either error or misuse of my personal information. Their appearance is completely inaccurate and unjust, and it is causing significant harm to my creditworthiness and personal security. The reporting of accounts that do not belong to me represents a breach of the fundamental principle of accuracy in consumer credit 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I purchased vinyl ( records ) from XXXX XXXX  in XXXX with my Wells Fargo debit card over the phone ( after an online search if my debit card was protected in case of fraud or not receiving the order ). The search gave me confidence to make the order. The order did end up not ever completing since XXXX XXXX  quickly closed in bankruptcy shortly afterwards. The owner referred me to a bankruptcy attorney office to get my money back and the office said they were not paying anyone. I then reported back to Wells Fargo to begin a claim to get a payment reversal done ( on XX/XX/year> ). My claim was denied, to my surprise, so I restated my case and reopened it. It was denied again. I repeated the process again when the operator listening to my case told me that the transaction sounded like a fraud case to her since XXXX XXXX  used my bank account numbers to complete the transaction, and not the debit card numbers I provided them. The case was again, denied. There was no explanation on why the case was not considered fraud. Upon doing additional online research, I learned that IF the scenario was not considered " fraud '' by Wells Fargo, then it was still definitely a " billing error '' that should have valid reasoning to issue a chargeback under the Fair Credit Billing Act of the FTC. I reopened the claim again and was denied again, and with no explanation again. I again reopened the claim for a XXXX time, requesting an explanation on why the transaction was not fraud and, if so, why could I not get my money returned as a bank error. Again, I was denied with another email with no explanation. If the employees writing up the claim that work for Wells Fargo are confused to why a claim is being denied, then how is a consumer supposed to know what a legitimate claim would be. I feel like the online information about debit card protection is false and I relied on that information to decide to use my debit card for the purchase. And then to receive no explanation on why a claim is being denied ( as not a fraud case or not a billing error ) is very disappointing. In my mind, a product was ordered, and money was taken, and the order was never provided or completed ( also, XXXX XXXX  had to have known they were going bankrupt when they " fraudulently '' took my money with no intention of completing it. They only closed their social media accounts and website immediately after I posted a warning to musicians on social media about their " fraud ''. I believe they were still fishing for victims. ). Wells Fargo say they protect transactions with debit card purchases, but they do not uphold that promise. Thank you for your time and consideration. 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently notified by my bank that an unknown address has been associated with my social security number. I decided to freeze my credit on all three bureaus.

I've always had issues signing into my Experian account and today was no different. None of the credentials I have/had worked and when I try to do an account recovery, it has a phone number and email that I do not recognize. This made me think that someone has created an Experian account with my social.

I was able to speak to someone from their fraud department and he helped me freeze my credit. As for getting access to my account, he routed me back into a never ending loop.

Here 's how it goes : 1 ) Prompt asks what issue I'm having 2 ) I say account recovery ( or membership, or anything else related to inability to access my account ) 3 ) Given response to use the forgot username or forgot password option 4 ) Try using either of these and I'm asked to verify using an email or number that I do not have access to I've tried creating a new account with a different email and number but that gives me a unable to verify prompt.

If I try to open a dispute, I have to first log into an account to start the dispute. I'm going in a loop with no option to gain access to my account.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Despite multiple certified letters sent requesting proper validation and verification of the debts being reported, these entities have failed to : - Provide a complete chain of assignment - Show proof of legal ownership of the debt - Produce a signed agreement or contract - Supply a full accounting breakdown - Comply with federal law under the FDCPA and FCRA Furthermore, the credit bureaus continue to report inaccurate and unvalidated information. I request full investigation, accountability, and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent accounts that have been wrongfully reported under my credit profile. I have no association with these accounts, and I never authorized their creation or use. Their reporting is false, misleading, and highly damaging to both my financial reputation and personal credibility. The presence of these accounts distorts my record, subjects me to unfair harm, and undermines the integrity of the reporting system.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent changes to my credit score, which I believe may be in error. Specifically, I have noticed a significant drop in my score following the removal of certain items from my credit report. I am concerned that this change has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ) and am requesting a detailed explanation of how the score recalculation was performed. 

Background : I have recently reviewed my credit report, and I observed that specific items were removed. However, despite the removal of these items, my credit score has dropped significantly. I believe this may be due to improper recalculation or failure to account for the positive impact these items may have had on my overall credit profile prior to their removal.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to a fair and accurate representation of my credit history. The sudden drop in my credit score seems inconsistent with the information that was previously reported and appears to be an error or oversight. 

Request : A full investigation into the factors contributing to the change in my credit score.

A detailed explanation of the methodology used to recalculate my credit score after the removal of the items.

Any supporting documentation regarding the removal of these items and the recalculation of my credit score.

Please also review the accuracy of this credit score update in line with Section 1681e ( b ) of the FCRA, which requires that credit bureaus maintain reasonable procedures to ensure the accuracy and completeness of credit reports. 

I request that you correct this issue promptly, as it is critical that my credit report and score are accurately reflected in order for me to make informed financial decisions. 

I appreciate your attention to this matter and expect a response within 30 days as required by the FCRA. 

Thank you for your prompt attention to this issue.

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