vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$51.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-15 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: CA

Complaint narrative:
Let me be absolutely clear : this complaint is valid and requires immediate attention. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my financial stability and overall well-being.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon close examination of my credit report, I have identified a hard inquiry that I did not initiate, authorize, or consent to. Under the Fair Credit Reporting Act ( FCRA ), all hard inquiries must be backed by a permissible purpose and must be conducted with the consumers explicit authorization. I have never applied for credit with the company in question, nor have I granted them permission to access my credit file. Therefore, this inquiry is not only inaccurate but also constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and delete from my report 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by XXXX XXXX on my TransUnion credit report. The account is current and in good standing, yet the late mark does not reflect my actual payment history. I submitted a dispute under FCRA 611 and requested full verification, but no supporting documentation or method of verification has been provided. This reporting error has negatively impacted my credit standing and must be corrected.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XXXX I became quite XXXX XXXX XXXX XXXX. A customer service person constantly called me on my cellphone in the XXXX. He did not believe I was XXXX. I was at the time was behind on the mortgage due to hours being cut at XXXX XXXX XXXX Wells Fargo ended up giving me a loan modification but required me to over double what my mortgage was temporarily, I bought this home in XXXX for XXXX, the modification required me to pay a mortgage for an additional 35 years at the time of the modification. In total I would have a mortgage for XXXX years on this home. In XXXX I began receiving SSDI and have missed no payments, almost monthly I pay additional principal on this loan. The mortgage company still has me owing over XXXX. I am now XXXX XXXX XXXX with a mortgage that is going to take over 50 years total to pay off. I feel ripped off by the mortgage company and I have attempted to reach out to them but all I got back was a form letter.

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 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint because my identity was stolen and fraudulent accounts were created in my name without my knowledge or consent. Specifically, a fraudulent credit card account with XXXX XXXXXXXX ( account number XXXX ) was opened without my authorization. I discovered the fraudulent activity in XX/XX/year>, but the account was not properly removed from my credit report. 

Despite filing disputes, this account was reinserted into my credit file by the credit bureau ( XXXX ) without following the legally required procedures under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This law requires the consumer to be notified in writing within XXXX business days if a previously deleted item is reinserted. I received no such notice, and I was never provided with the name, address, or phone number of the furnisher who allegedly verified the reinsertion. 

This constitutes a clear and willful violation of the FCRA, and it has caused significant harm to my credit reputation, emotional distress, and financial opportunities. 

I am attaching my FTC Identity Theft Report ( Ref # : XXXX ) to support this complaint. 



What would be a fair resolution to this issue : XXXX. Immediate and permanent deletion of the XXXX XXXXXXXX account ( Account # XXXX ) from all credit reports maintained by Experian, Equifax, and TransUnion. 
XXXX. An official statement from the credit bureaus confirming deletion and stating that the account will not be reinserted without full legal compliance under FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Provide the name, address, and contact information of the furnisher who allegedly verified the account for reinsertion, if applicable. 
XXXX. Investigate potential FCRA violations by the credit reporting agencies and the furnisher. 
XXXX. Ensure the correction is shared with all entities that accessed my credit report during the time this fraudulent item was listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am submitting this complaint because my identity was stolen and fraudulent accounts were created in my name without my knowledge or consent. Specifically, a fraudulent credit card account with XXXX XXXXXXXX ( account number XXXX ) was opened without my authorization. I discovered the fraudulent activity in XX/XX/year>, but the account was not properly removed from my credit report. 

Despite filing disputes, this account was reinserted into my credit file by the credit bureau ( XXXX ) without following the legally required procedures under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This law requires the consumer to be notified in writing within XXXX business days if a previously deleted item is reinserted. I received no such notice, and I was never provided with the name, address, or phone number of the furnisher who allegedly verified the reinsertion. 

This constitutes a clear and willful violation of the FCRA, and it has caused significant harm to my credit reputation, emotional distress, and financial opportunities. 

I am attaching my FTC Identity Theft Report ( Ref # : XXXX ) to support this complaint. 



What would be a fair resolution to this issue : XXXX. Immediate and permanent deletion of the XXXX XXXXXXXX account ( Account # XXXX ) from all credit reports maintained by Experian, Equifax, and TransUnion. 
XXXX. An official statement from the credit bureaus confirming deletion and stating that the account will not be reinserted without full legal compliance under FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Provide the name, address, and contact information of the furnisher who allegedly verified the account for reinsertion, if applicable. 
XXXX. Investigate potential FCRA violations by the credit reporting agencies and the furnisher. 
XXXX. Ensure the correction is shared with all entities that accessed my credit report during the time this fraudulent item was listed.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, This reply is in reference to Complaint # XXXX. 

I have requested information for the past XXXX plus years from Bank of America, however they always fail to respond to my questions. This complaint has recently been closed twice because a follow up letter from the them stated an investigation was done on their end and it resulted in " no discrepancies found ''. 

I am attaching XXXX documents. 

These are my XXXX simple questions concerning items ( # XXXX thru XXXX ) listed on the Settlement Statement.

1. Explain ... Why is my Settlement Statement dated and time stamped a day after the Closing date? 
XXXX. Verify ...... Who were the owners of these debt accounts? 
XXXX. Verify ...... What bank/bank account was this money deposited into? 
XXXX. Verify ...... Where were the funds for the XXXX Mortgage deposited? ( account name/number/bank ) Note : My wife and I have never had a XXXX XXXX. 
My wife and I have never had a XXXX XXXX account. 
My wife and I did not own this XXXX XXXX card debt in XXXX. 
My wife and I did not own several debts listed on this form. 

Can someone from Bank of America send me : XXXX an explanation to question # XXXX XXXX verifications to questions XXXX, XXXX, & XXXX. 
That's all I ask! 

If Bank of America has completed their investigation and the results indicated no discrepancies were found, then is should not be a problem for them to send me a valid explanation to question # XXXX and verification documentation showing the money trail to the questions XXXX, XXXX & XXXX above. 

Send me the documentation showing your findings! 

XXXX... please do not send me another payment summary dating back to XXXX, you've sent me enough of them and they do not answer my questions.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: GA

Complaint narrative:
I wrote to formally dispute the validity of an alleged bankruptcy listed on my credit report to XXXXVerisk , associated with my Social Security number . This inaccurate and defamatory entry has significantly affected my credit standing and is in violation of multiple provisions within the Fair Credit Reporting Act ( FCRA ) and U.S. Code. 

On XX/XX/XXXX and again on XX/XX/XXXX, I contacted XXXX  and XXXXVerisk to challenge the accuracy of this entry. I was informed that the data had been verified through XXXX records. On XX/XX/XXXX, I submitted a written request to XXXX for all documentation used to verify this alleged bankruptcy, including original documents bearing my signature and that of the Clerk of the Court. 

XXXX responded stating that they initiated a dispute and resolved the investigation as of XX/XX/XXXX. During their process, they removed the following from my consumer file : BANKRUPTCY RECORD CASE NUMBER XXXX This proves that XXXX no longer reports this record, nor do they submit such data to any credit bureau. I also possess a court document signed by the judge confirming that the alleged bankruptcy court does not share data with third-party agencies. Therefore, XXXX claim of verification through either the court or XXXX or XXXXVerisk is demonstrably inaccurate. This conduct is either a grievous error or a willful misrepresentation. 

In accordance with : -FCRA 611, 15 USC 1681i Reinvestigation of disputed information - FCRA 605B, 15 USC 1681c-2 Blocking of information resulting from identity theft - 15 USC 1681b ( 2 ) Permissible purposes for access - 15 USC 1681q Unauthorized disclosures - 18 USC 1028A Aggravated identity theft I am formally requesting an immediate reinvestigation and removal of the false bankruptcy record from my credit report. This erroneous data violates the FCRA and subjects the responsible parties to potential statutory damages of up to {$1000.00} per violation, including for defamation and negligent enablement of fraud. 

Additionally, I was included in the XXXX  Class Action Lawsuit, further underscoring the pattern of improper reporting behavior. 

Please consider this my official notice that I am keeping detailed records of all correspondence and actions related to this matter. Failure to remove this information promptly will result in further pursuit of my legal rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Let me be absolutely clear : this complaint is valid and requires immediate attention. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my financial stability and overall well-being.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as US BKPT CT XXXXVERIFIED AS REPORTED has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court The United States Bankruptcy Court for the District of Maryland that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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