vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX immediately block and permanently remove multiple fraudulent accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$3600.00}, Collection ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 


I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO XXXX  credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection opened at XXXX on XX/XX/2023 under the account number XXXXXXXX XXXX This account has resulted in fraudulent collection activity appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MoneyLion Inc.
State: MA

Complaint narrative:
A few months ago, I had signed up for a XXXX XXXX, which also involves providing my personal and sensitive information. It worked for a few months, but then they removed my access and login to the XXXX XXXX  ( notably and ironically while in the middle of a sweepstakes as well ), because they claimed my access requires further verification. 

All I wanted was either to access my account or have them delete my account, due to the sensitive information in my account. I tried calling their support line, but the answering service said I needed to have an active account to talk to support. So, that wasn't possible. I tried emailing support, and they provided a vague, unhelpful reply simply acknowledging my complaint, taking no steps to move forward, and then ignoring me. 

Since their own actions violate their privacy policy that dictates how they handle sensitive personal information, I also messaged their point of contact listed on their privacy policy and their legal department for resolution, and no one got back to me within the time frame dictated by their privacy policy. To this day, they continue to hold my personal information, send me ads, and give me no way to either simply access my account or delete my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company has been calling me about a debt I did not sign for. I told them to stop calling me, the company keep on calling me. I have never sign any contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX  XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine

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 2025-07-28 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: NY

Complaint narrative:
I am following up regarding a dispute I submitted concerning a XXXX XXXX account appearing on my Experian credit report. Although Experian has marked the dispute as resolved, the information remains incomplete, inaccurate, and potentially a violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the specific issues : XXXX. Invalid Payment History Entries : The report lists repeated Invalid date entries instead of actual payment history data. This is a clear failure to report accurate and complete information as required under FCRA 607 ( b ). 
XXXX. Possible Re-Aging of the Account : The charge-off is being reported as of XX/XX/XXXX, yet the account status was last updated in XX/XX/XXXX. The account was originally delinquent in XXXX, and no payments have been made since. Updating the charge-off date now appears to be an unlawful re-aging intended to extend the reporting period beyond the 7-year limit. 
XXXX. Increased Balance Without Explanation : The original balance was {$2400.00}, but it is now reporting a charged-off balance of {$3000.00}. There is no payment history or fee disclosure to justify this increase. 
XXXX. Inconsistent Comments : The account notes say the dispute was completed, yet the report still includes errors, suggesting a lack of meaningful investigation. This violates FCRA 611, which requires reasonable investigation of all disputes.

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 2025-07-28 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : 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 2025-07-28 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: DC

Complaint narrative:
I am submitting a dispute regarding a XXXX XXXX credit card account that remains on my credit report despite being well past the legal reporting window. The account shows missed payments that originated on or before * * XX/XX/year> * *, which is now * * seven years and five months * * ago.

Under the Fair Credit Reporting Act ( FCRA ), such negative information should no longer appear on my credit report after seven years from the date of first delinquency. I have made significant efforts to rebuild my credit since that time, including maintaining consistent on-time payments and reducing overall debt. 

I respectfully request that this account be investigated and removed from my report with all three credit bureaus. Supporting documents verifying this timeline are provided. I appreciate 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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
In XX/XX/year>, I co-signed for an auto loan with Ally Financial for a vehicle purchased by my mother. At the time, both she and the dealer assured me that co-signing would not affect my credit, that I would not be financially responsible, and that only my credit would be used for approval purposes. I was also told that this was only a formality and that the account would not appear on my credit report or impact my financial future. 

I now know these statements were false and misleading. The loan does appear on my credit report, has affected my debt-to-income ratio, and is now preventing me from qualifying for a home loan for my wife and children. I was not financially prepared to take on this responsibility and was clearly misled at the time of signing. 

I also have concerns that I may have been manipulated or pressured into signing by people I trusted. The dealer even allowed my mother to remove the loan documents from the dealership to bring them home for me to sign, which I now understand may have violated standard procedures and consumer protection practices. 

I have attempted to contact Ally through customer service to inquire about options for co-signer release, refinance, or any way to remove my name from this loan. As of today, I have not been able to get a response or meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
As someone who has consistently paid on time, I find this late payment marking to be both incorrect and misleading. Please remove it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Regarding Mishandled Fraudulent Check Incident {$24000.00} Loss Dear CFPB Representative, I am filing this complaint against Wells Fargo Bank regarding a serious incident involving a fraudulent check deposit on XX/XX/year>, that led to a financial loss of {$24000.00} and subsequent harmful collection activity. 

On that date, I deposited check # XXXX from XXXX XXXXXXXX XXXX in the amount of {$24000.00}. The next day, XX/XX/year>, I visited my Wells Fargo branch to express concern about the check 's legitimacy. Despite my clear warnings, the banker assured me the check had cleared, even showing me the banks internal system confirming the funds. Based on their guarantee, I requested and received a cashier 's check for the full amount. 

Weeks later, Wells Fargo reversed the transaction, stating the check was fraudulent. They are now attempting to recover the funds from me a victim of fraud who relied on their system and staff. The bank 's current narrative falsely suggests I ignored their warnings, which is simply not true. I proactively alerted them, but their reassurances led me to act in good faith. 

XXXX XXXX negligence has caused me not only financial harm but also emotional distress. I respectfully request that the CFPB investigate this matter and help ensure Wells Fargo : - Cancels the {$24000.00} charge from my account - Stops all collection activity and third-party actions - Removes any related negative credit reporting - Discloses their internal documentation about the deposit and funds availability - Issues a formal written apology acknowledging their mishandling Attached is my full response letter to Wells Fargo for reference. 

Thank you for your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-28 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: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis consumer reporting has been showing multiple vehicle accidents that belong to a person in another different state with a different name whos ssn is similar to mine. I have spoken to them and they refuse to remove several at fault accidents that I have proven do not belong to me. This is causing me to pay much higher rates for vehicle insurance and is causing a negative effect on my credit reporting. I have submitted multiple disputes over the last 3-4 years. I am continuously told that the insurance companies are reporting it as my accident and then refuse to remove even though I have proven that I have never held policys with those companies or owned the vehicles involved, or lived in the state the accidents happened in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-28 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: TX

Complaint narrative:
I sent a dispute letter to the credit bureaus about 45 days ago and I have not received a response or the investigation results. The law states they have 30 days to respond and to send me the results and failed to do that. Their mishandling of my file is costing me greatly and I am consulting with a consumer rights attorney who specializes in suing credit bureaus, creditors and collectors. He told me to file this complaint along with other agencies. I will proceed unless this is fixed asap.

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