vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXXXXXX 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 has violated my rights. 

EQUIFAX 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 UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXXXXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX credit card account opened at capital XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: CA

Complaint narrative:
TrueAccord Corporation the amount of XXXX there is no account number I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide by CERTIFIED MAIL with receipt with displaying my original signature and if not please delete this account with this amount of XXXX as soon as possible from my credit report or I will to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation.The amount is incorrect and does not match any known obligation.

According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report.

I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents.

Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have four inquiries on my credit profile with Experian that is not mine from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. I have placed a freeze on 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I paid and settled my Barclays Bank Delaware account in full through their attorneys, XXXX XXXX XXXX, as part of a formal settlement agreement. On XX/XX/year>2025, I received written confirmation from XXXX XXXX XXXX verifying that the debt was resolved and the balance satisfied. 

However, Barclays has failed to update the credit bureaus accurately. Instead of reporting the account as settled in full or paid closed, they continue to report it with the status consumer disputes reinvestigation completed and have added the consumer disagrees notation. 

I am not disputing the account. It has been paid and closed. This reporting is misleading and implies there is an unresolved issue, when in fact the matter was resolved over a month ago. Additionally, since the settlement was completed in XXXX, no delinquency should appear for XX/XX/year>2025.

I have made multiple attempts to have Barclays correct this, but the inaccurate reporting remains. This is harming my credit profile and violates the FCRAs accuracy requirements.

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 2025-06-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/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 2025-06-03 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: LA

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 2025-06-03 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: IL

Complaint narrative:
The amount is incorrect double the amount of 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 2025-06-03 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: IL

Complaint narrative:
The amount is incorrect double the amount of 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 2025-06-03 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Back in XX/XX/year> I went to a branch in XXXX XXXX NV to cash a payroll check. The teller XXXX was assisting me with the transaction she proceeded to start the verification process and called the company to verify if they issued the check and she advised that she was able to verify the check them went to put my put some information in the system then ran the check in the machine and then asked my how did I want my bills and after I told her that she then tells me that I have to deposit the check and it cant be cashed. I informed her that I dont have a account so I can not deposit the cheek and why can I not cash the check at first she says that she didnt know why and I said that doesnt make any sense because its a check drawn from Wells Fargo then she proceeds to lean forward and says that its stats that Im fraud in the system so she cant cash it. I said how am I fraud and she sat back down and said thats all she can say on that. And I feel like she only said that because I am XXXX. I feel like based on the account notes that I have seen on my Wells Fargo account that because the fraud department had the hold that now I cant even cash a check because I fraud according to XXXX. When I submitted the complaint last time it was investigated by XXXXXXXX XXXXEscalations Representative and he basically stated that everything that happened was correct and he didnt see anything that the teller did wrong. I asked him for a copy of the investigation report to see what your finding were and he stated that Im not allowed a copy of the report.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Im writing because theres an account showing on my credit report that is currently in pending litigation and it has no place being reported at this time. 

Until the legal matter is fully resolved, this account is considered disputed and inaccurate, and it should not be impacting my credit profile. Reporting it while its still under litigation is not only misleading, its potentially damaging and unfair.

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
My access to Zelle was unexpectedly disabled today XX/XX/year>2025. I was not given a clear reason or adequate notice. This has disrupted my ability to send/receive money, and Ive been unable to get meaningful support or resolution from XXXX XXXX or Early Warning Services who owns Zelle ] . believe this action is unfair and want a full explanation and restoration of service. Moreover I also believe that my number should be able to be used again. I did not do anything wrong nor violate any policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been contacted about the issue of whom I purchased a vehicle from ( XXXX XXXXXX/XX/XXXX). The owner breached the contract and filed for bankruptcy and moved to Nevada. 


I also have tried to get in to contact with XXXXXX/XX/XXXXcompany but they have no validation of debt. Ive been contacted by a second to third party that can not identify my account details name birthdate as such requirement to obtain a debt of collection.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Case ID : XXXX Case : XXXX Case : XXXX Re : Fraudulent XXXX Charges : XX/XX/year> = {$96.00} XX/XX/year> = {$160.00} XX/XX/year> = XXXX I did not make any of the above charges and I did not authorize anyone to make these charges. 

There was some kind of intricate scam going on at this time involving my credit card ending in XXXX. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I had received 3 separate deliveries from my local XXXX store. Each package contained a bag of balloons that I had not ordered. I was especially concerned about this because my name was clearly on each package as though I ordered it. I called XXXX 's customer service and the rep looked up my XXXX account and informed me that there were no such charges on my account. He could not explain why I received the packages and told me not to worry about it because no such orders were on my account. 
See attached photo for reference. 

During this same time, ( not sure if this had anything to do with the above ) I received XXXX small yellow packages from an unknown sender on different days. I only opened the first received package which was a letter that was very vague thanking me for a purchase but not indicating what the purchase was or from whom. I knew it was another scam and assumed it was connected to the XXXX balloons somehow. I think this scammer was hoping I would scan the " QR '' code on the front of the package to try to figure out who it was from but I declined to do that to avoid going deeper into their scam. Again, I am not sure if this scam is connected to the XXXX scam or just a big coincidence. 
See attached 2 photos for reference.

I am reiterating, I did not make any of the above 3 XXXX purchases. 

On XX/XX/year>, I received a letter regarding Citicard Master Card 's investigation of my above disputes and they included the Merchant 's ( XXXX ) documentation which XXXX claim proves I made the transaction. If a person with any common sense would review this documentation, they would see that the email address and name on the account is NOT mine, the IP address is located somewhere in Georgia ( out of state ) and the contact and telephone information are NOT mine. In addition, it actually says on these documents, that the orders were never fulfilled due to inventory issues and the XXXX merchant is foreign and suspicious since XXXX is claiming this was a local store delivery! 
I DID NOT MAKE THE ABOVE 3 PURCHASES AND REFUSE TO PAY FOR SOMETHING THAT I DID NOT PURCHASE. I DO NOT WANT A CREDIT CARD FROM A COMPANY THAT HAS ABSOLUTELY NO COMMON SENSE.

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 2025-06-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation