vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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 filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their repeated failure to correct inaccurate and unverifiable information on my credit reports despite multiple disputes over several months. 

In my disputes, I included all required proof of identity and documentation. I specifically requested the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), yet I only received generic verified responses without any details, in violation of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and maximum possible accuracy.

The disputed and unresolved items include : XXXXXXXX XXXX XXXX Case Number : XXXX. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal information : Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus have failed to provide : The specific method and process used to verify these items. 

The full name, title, and contact details of the furnishers. 

Any documentary evidence relied upon in the reinvestigation.

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 2025-08-12 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 against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their repeated failure to correct inaccurate and unverifiable information on my credit reports despite multiple disputes over several months. 

In my disputes, I included all required proof of identity and documentation. I specifically requested the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), yet I only received generic verified responses without any details, in violation of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and maximum possible accuracy.

The disputed and unresolved items include : XXXXXXXX XXXX XXXX Case Number : XXXX. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal information : Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus have failed to provide : The specific method and process used to verify these items. 

The full name, title, and contact details of the furnishers. 

Any documentary evidence relied upon in the reinvestigation.

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 2025-08-12 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 submitting this follow-up complaint regarding unauthorized items that continue to appear on my credit report despite my prior dispute. To date, I have not received proper validation of these alleged debts, and I have reason to believe the reported amounts are inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that a full reinvestigation be conducted. If these accounts can not be substantiated with complete documentation, proof of ownership, and evidence of my authorization, I am demanding their immediate removal from my credit file. XXXXXXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2025-08-12 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-08-12 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: CA

Complaint narrative:
My Wells Fargo Everyday Checking account 's new physical card as a new customer was stolen out of my mailbox and was activated, and used without my knowledge on XXXX XXXX  2025. The file has been claimed directly through Wells Fargo Fraud Department and since then has been denied with the reasoning following : PIN used.

I opened a new checking account with Wells Fargo on XX/XX/XXXX2025 at a physical branch ( Attachment 1 ), where I received a follow up email that they have shipped my new card on XX/XX/XXXX 2025 ( Attachment 2 ). I have signed myself up for online banking and added the card to XXXX to use meanwhile. On XX/XX/XXXX 2025, I received a reminder email to activate my new card meaning it has been delivered ( Attachment 3 ), along with another email that my card is available to use with XXXX  which I do not recognize as I do not have XXXX nor received my card in the mail ( Attachment 4 ). On XX/XX/XXXX, I received 2 other emails that my card was declined due to insufficient fund following an authorized charge ( Attachment 5 ), as well as an email from Wells Fargo that my available balance is {$0.00} ( Attachment 6 ). I quickly checked my bank account and saw multiple charges that were unauthorized using my physical debit card I never received, and calld Wells Fargo immediately to file a claim ( Attachment 7 ). They cancelled my card and applepay immediately, and on XX/XX/XXXX, I received an email that my new card has been shipped ( Attachment 8 ). I have attached my message center history with Wells Fargo : ( Attachment 9 ).

The following are the unauthorized charges ( Attachment 10 ) : {$96.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX, {$42.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX XXXX  XXXX, {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX  XXXX, {$66.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XXXX  XXXX, TOTAL : {$230.00}

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 monetary relief
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
This account was charged off on the following date. Since then the account has repeatedly been updated.

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 2025-08-12 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:
I am submitting this follow-up complaint regarding unauthorized items that remain listed on my credit report despite my previous dispute. To date, I have not received adequate validation of the alleged debts, and I have reason to believe that the reported amounts and information are inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that a thorough reinvestigation be conducted. If these debts can not be fully verified with complete documentation, proof of ownership, and evidence of my authorization, I am demanding their immediate removal from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OH

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On Friday, XX/XX/XXXX, I discovered that Citibank had closed my checking and savings account without prior notice. I only learned of the closure after being locked out of my account and calling customer service. 

I am a XXXXXXXX XXXX who opened the account in person with my XXXX  passport. At no time was I told that a XXXX Social Security Number ( SSN ) or Individual Taxpayer Identification Number ( ITIN ) was required to maintain the account. The account was always in good standing, with no overdrafts, unpaid fees, or suspicious activity. 

In the weeks before closure, I received legitimate incoming XXXX transfers and made several large purchases using my debit card. All transactions were lawful, well-documented, and consistent with my intended use of the account. 

At the time of closure, the account had a balance of under {$1000.00} USD. When I contacted Citibank, I was told : 1. No reason for the closure could be given, and 2. My funds might be held for up to 60 days before being returned.

This is unreasonable. I rely on immediate access to these funds, and the closure has left me without a XXXX XXXX  account which is critical for my finances and for building a XXXX XXXX  history. This action, without cause and without timely release of my funds, is causing direct financial harm.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I pulled my Chex systems report because my current bank told me that I have a very low score and denied me credit solely based on the inaccurate information being reported on my Chex systems. I have a mountain of inquiries that I did not make. I am a victim of identity theft, This is the 4th time within the last 2 years that I had to correct information on my check systems report that is inaccurate. Due to the incorrect information being reported my check systems score is extremely low. If this is not corrected within the next 5 business days, A federal lawsuit will commence.

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 2025-08-12 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: IL

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-08-12 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 see that incorrect accounts are still appearing on my credit report and have not been deleted. Due to this problem, I request that you carefully examine the attached documents so I can be assured this wont happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-12 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. According to my recent credit report from your bureau, a closed account is listed with a late payment status, which I believe is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. I am requesting that you investigate this account and either verify the accuracy or remove the incorrect late payment status from my credit file. 

Ive attached copies of relevant documentation, including : A copy of my credit report showing the account in question Statements or payment records confirming the account status A copy of my ID and proof of address for verification Please complete your investigation and inform me of the results in writing. If the investigation shows the information is indeed inaccurate, I respectfully request that you delete or correct the accounts payment history and notify all parties who received my credit report in the past six months.

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 2025-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing XXXX  to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: DE

Complaint narrative:
I am a victim of identity theft and my credit report contains accounts and inquiries I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all fraudulent items from my file. 

Please confirm in writing once these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim.

These documents should fulfill all documentation requirements under federal law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I have a open loan with XXXX. Experian Credit Bureau is reporting incorrect information concerning the loan. I have submitted 3 disputes to Experian Credit Bureau via electronically and by calling. I have contacted XXXX and obtained documentation on what should be reported - I have provided the information to Experian Credit Bureau however Experian continues to report the incorrect information. 

I obtained a loan through XXXX for {$5000.00}. I pay {$290.00} bi-weekly which is {$590.00} monthly. Experian continues to report that my monthly payments are {$630.00} and that my balance is {$5000.00} which is incorrect. 

The incorrect loan information was used in a recent denial for financing that I applied for.

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