vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Demand for Permanent Deletion of Outdated and Inaccurate Personal Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning outdated and inaccurate personal identifying information being reported on my consumer credit file throughout all 3 credit bureaus.

After reviewing my most recent credit report, I have identified several outdated addresses, phone numbers, and employers that are no longer accurate, have been previously disputed, and still remain on my credit file. Their continued presence constitutes a violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Violations of Federal Law FCRA 1681e ( b ), FCRA 1681i ( a ), FCRA 1681g ( a )

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 2025-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Demand for Permanent Deletion of Outdated and Inaccurate Personal Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning outdated and inaccurate personal identifying information being reported on my consumer credit file throughout all 3 credit bureaus.

After reviewing my most recent credit report, I have identified several outdated addresses, phone numbers, and employers that are no longer accurate, have been previously disputed, and still remain on my credit file. Their continued presence constitutes a violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Violations of Federal Law FCRA 1681e ( b ), FCRA 1681i ( a ), FCRA 1681g ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am reaching out to formally dispute the presence of a bankruptcy entry currently listed on my credit report. After carefully reviewing the details, I want to emphasize that this information is inaccurate and should not be included in my credit file. I have obtained and attached an official letter from the court which clearly states that this bankruptcy is not to be reported to the credit bureaus. The presence of this entry despite that directive is both alarming and unjustified.

To make matters more concerning, it appears that an unauthorized third party may have been involved in this situation, which raises serious questions about the legitimacy of how this information was submitted and processed. This not only compromises the accuracy of my credit profile but also undermines my trust in the handling of sensitive financial data.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-07-07 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Debt Reported by Pro Collect Amount {$4600.00} Dear CFPB, I am filing this formal complaint against Pro Collect , Inc. for reporting inaccurate information on my credit report. Pro Collect has reported a debt in the amount of {$4600.00} that I do not recognize, and I believe this reporting is either incorrect or unverifiable.

I first became aware of this issue when reviewing my credit report from [ insert which credit bureau ( s ) : XXXX XXXX XXXX ] on [ insert date ]. I do not recall owing any debt to the original creditor Pro Collect is supposedly collecting on behalf of, nor have I received adequate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I have made a written request to Pro Collect demanding validation of the debt. As of the date of this letter, they have failed to provide sufficient documentation to prove the debt is mine, nor have they removed the entry from my credit report. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure Pro Collect complies with federal law. The reporting of unverified or inaccurate information is harmful to my credit and may impact my ability to obtain future credit or housing.

I would appreciate your assistance in resolving this matter and ensuring that Pro Collect removes or corrects the inaccurate item on my credit file if it can not be verified.

Thank you for your time and attention.

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 2025-07-07 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
I am unable to access my Experian account because it is tied to a phone number and email address I do not recognize. When I try to sign in or recover my account, Experian sends the verification code to contact information that is not mine. This may indicate someone else has gained access to or created an Experian account in my name.

I have tried multiple times to contact Experian by phone, but I only reach automated systems that do not allow me to speak to a live representative or recover my account. I have no way to report this directly to a real person, and I have not been able to regain access to my credit profile.

This situation has left me locked out of my personal credit report, and I am unable to protect myself from potential fraud. Im requesting that Experian investigate this issue immediately, remove or correct the unauthorized contact info, and help me securely recover 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-07-07 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 2025-07-07 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:
I am disputing a late payment on my credit report that does not match my actual payment activity. I maintain detailed personal financial records, and the payment in question was submitted before the due 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 2025-07-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a medical debt on my TransUnion and Experian credit report. Acct # XXXX {$1300.00}. 
CONSUMER FINANCIAL PROTECTION BUREAU 12 CFR Part 1022 prohibits consumer reporting agencies from including individuals medical debt on consumer credit reports.

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 2025-07-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My CD matured on XX/XX/year>. I called XXXX to find out about the grace period. I was told it's 10 days including maturity date. So that would be until XX/XX/year>. I called XXXX on XX/XX/year> which was within the grace period to close the CD and {$260.00} was deducted as a penalty.

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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CrediautoUSA Financial Company LLC
State: AR

Complaint narrative:
I have cant get a car approved in my name with a co signer at all

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding Wells Fargo Banks refusal to properly investigate and reverse a series of ACH rent payments that were made under false and misrepresented conditions, which falls under the protections of Regulation E ( 12 CFR 1005 ).

I made multiple ACH rent payments totaling {$3100.00} to a landlord through a third-party platform ( XXXX XXXX XXXX XXXX XXXX ). The payment amounts were : {$750.00} {$1200.00} {$1100.00} {$25.00} These payments were made for a residential unit that I was later informed had never passed final inspection and was not legally approved for occupancy. Despite signing a lease in good faith, I was unable to legally or safely reside in the property. These critical facts were never disclosed to me before or during the transaction process. 

I disputed these charges with Wells Fargo and was initially told they would be reviewed. After escalation, I was informed that ACH transactions could not be disputed a statement that directly contradicts federal consumer protections under Regulation E, which covers unauthorized or misrepresented electronic transactions.

I followed up multiple times, was promised a call from the escalation team within 48 hours ( which never happened ), and was ultimately told to take it to civil court. This response is unacceptable. I believe the bank failed in its legal obligation to investigate and address these charges appropriately.

I am requesting that the Consumer Financial Protection Bureau : Investigate Wells Fargos mishandling of this dispute Enforce compliance with Regulation E Ensure restitution for the rent payments made under fraudulent and misleading circumstances Thank you for your attention to 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 explanation
Consumer complaint received 2025-07-07 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
Soon as my sons money hit it disappeared out of my account then they closed it saying I went against guidelines I didn't do anything they stole my money closed my account my son missed money for XXXX  months I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 recently became aware of a late payment being reported on my credit file that I believe to be an error. I have consistently met my financial obligations on time and can not identify any missed or late payments for the date 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 non-monetary relief
Consumer complaint received 2025-07-07 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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