vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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 to the Consumer Financial Protection Bureau because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. My credit report is showing inaccurate personal information, unauthorized inquiries, and reporting issues that are harming my creditworthiness. I am requesting the CFPB to investigate, take immediate action, and ensure compliance with federal law by the credit bureaus and furnishers. 

XXXX XXXX XXXX XX/XX/year> Inquiry This inquiry was reported without my knowledge or consent, violating FCRA 604 ( a ). I have no record of submitting a credit application to XXXX XXXX XXXX on this date, nor was I seeking any credit product. This inquiry should never have been added to my credit file, and leaving it there causes harm to my credit profile and reputation. I am demanding full removal under FCRA 611 ( a ) ( 5 ) unless you can provide a certified copy of the authorization proving my consent. 

I request the CFPB to enforce the FCRA, require the credit bureaus and data furnishers to correct these violations, delete the wrong address, remove the unauthorized inquiries, and provide full compliance documentation within the legally required timeframe. The harm done to my credit score and financial opportunities is significant and must be rectified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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: AR

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 non-monetary relief
Consumer complaint received 2025-09-16 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:
This correspondence serves as a formal dispute regarding fraudulent accounts currently listed on my credit report. I have no knowledge of these accounts, nor did I authorize them. Their reporting is false, misleading, and damaging, creating an inaccurate portrayal of my financial responsibility.

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 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account is closed and they refused to release me and give me my note and title. Numerous times have they denied me with any records and they lie to me about loan ownership, transfers and forcloure alternatives. XXXX Mortgage accounts been open and their negligence have hurt my credit and house hold/ buisness. I have a XXXX balance and my mortgage account closed.

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 2025-09-16 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-16 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: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-16 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allegiant Capital Recovery LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I verbally requested a debt validation request asking them to provide proof of the debt ( e.g. itemized bill, proof its my debt, etc. ). I also sent a letter through the mail on XX/XX/XXXX asking as well. I submitted a transition report, which they did not respond to as well. We spoke on the phone where I again asked for debt validation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am submitting a complaint to follow up on a previous dispute regarding inaccuracies on my credit report. Despite my earlier submission, several accounts and inquiries remain on my file that are incorrect and are negatively affecting my credit profile. 
XXXX of these is a late-closed account with XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. This account is reported inaccurately and does not reflect its proper closure. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum accuracy in reporting. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report only accurate information. Because this account can not be verified, it must be removed. 
Other charge-off accounts, including XXXX XXXX XXXX XXXX XXXX with a XXXX balance, are reported without proper verification, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and Section 605B 15 U.S.C. 1681c-2. Additionally, a charge-off with XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$1100.00} but was reported without the issuance of a XXXX for a debt above {$600.00}, making it unverifiable under FCRA 607 ( b ). These accounts must be removed. 
A collection account reported by XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$1400.00}, is also reported without proper verification, violating Section 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Because this account can not be validated, it must also be removed from my credit file. 
My credit report further contains unauthorized inquiries from 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 not authorized by me and violate FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am submitting a complaint to follow up on a previous dispute regarding inaccuracies on my credit report. Despite my earlier submission, several accounts and inquiries remain on my file that are incorrect and are negatively affecting my credit profile. 
XXXX of these is a late-closed account with XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. This account is reported inaccurately and does not reflect its proper closure. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum accuracy in reporting. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report only accurate information. Because this account can not be verified, it must be removed. 
Other charge-off accounts, including XXXX XXXX XXXX XXXX XXXX with a XXXX balance, are reported without proper verification, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and Section 605B 15 U.S.C. 1681c-2. Additionally, a charge-off with XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$1100.00} but was reported without the issuance of a XXXX for a debt above {$600.00}, making it unverifiable under FCRA 607 ( b ). These accounts must be removed. 
A collection account reported by XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$1400.00}, is also reported without proper verification, violating Section 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Because this account can not be validated, it must also be removed from my credit file. 
My credit report further contains unauthorized inquiries from 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 not authorized by me and violate FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-16 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: AR

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit 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 2025-09-16 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: AR

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I am not able to pay back what I owe in financial hardship due to XXXX car accident I'm XXXX live on a fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 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 am submitting a complaint to follow up on a previous dispute regarding inaccuracies on my credit report. Despite my earlier submission, several accounts and inquiries remain on my file that are incorrect and are negatively affecting my credit profile. 
XXXX of these is a late-closed account with XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. This account is reported inaccurately and does not reflect its proper closure. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum accuracy in reporting. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report only accurate information. Because this account can not be verified, it must be removed. 
Other charge-off accounts, including XXXX XXXX XXXX XXXX XXXX with a XXXX balance, are reported without proper verification, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and Section 605B 15 U.S.C. 1681c-2. Additionally, a charge-off with XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$1100.00} but was reported without the issuance of a XXXX for a debt above {$600.00}, making it unverifiable under FCRA 607 ( b ). These accounts must be removed. 
A collection account reported by XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$1400.00}, is also reported without proper verification, violating Section 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Because this account can not be validated, it must also be removed from my credit file. 
My credit report further contains unauthorized inquiries from 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 not authorized by me and violate FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

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 2025-09-16 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: NC

Complaint narrative:
Your Information Name : 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  -- - What Happened : I have disputed the abovereferenced account with Equifax twice most recently under Confirmation # XXXX ( XX/XX/XXXX ) and Confirmation # XXXX ( XX/XX/XXXX ). 

In both cases, Equifaxs reinvestigation shows that XXXX XXXX XXXX  modified certain fields including Additional Information, High Credit, Date of Major Delinquency First Reported, and Historical Account Information yet the account remains reported as : Charged Off Closed by Credit Grantor Balance : {$690.00} ( Credit Limit : {$500.00} ) Long sequence of L ( Charge Off ) codes from late XXXX through XXXX Consumer Disputes This Account Information notation These repeated updates without full verification raise serious concerns about the accuracy and completeness of the information being furnished. 

I have now submitted a direct dispute to XXXX XXXX XXXX under FCRA 623 ( a ) ( 8 ), requesting : 1. The original signed credit agreement and application. 
XXXX. A complete payment history. 
XXXX. Details of the chargeoff, including the date of first delinquency and balance calculation. 
XXXX. Evidence that all information furnished to Equifax is accurate, complete, and uptodate. 


If XXXX XXXX can not provide verifiable documentation, they are required under FCRA 623 ( b ) to request deletion of the account from my credit file. 

-- - What I Want Done : Provide full documentation verifying the accuracy of the account. 
If unable to verify, immediately request deletion of the account from all credit bureaus. 
Correct any inaccurate or incomplete information currently being reported. 


-- - Supporting Documents to Attach : XXXX. Dispute Results.pdf Equifax results from first dispute ( Confirmation # XXXX ). 
XXXX. Dispute Results XXXX Equifax results from second dispute ( Confirmation # XXXX ). 
XXXX. Direct Dispute Letter to XXXX XXXX XXXX dated XX/XX/XXXX, sent via Certified Mail. 
XXXX. Certified Mail Receipt proof of delivery to XXXX XXXX XXXX ( once available ).

Company response to consumer: Closed with explanation