vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) 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 2025-04-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: Global Lending Services LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have an account with Wells Fargo, I closed the account in XXXXXXXX and Im still getting notifications that the account is overdrawn some money and Im not understanding how or why and they arent explaining why either because the account is closed but its effecting my credit score

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 2025-04-15 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$15000.00}, XXXX Balance {$670.00}, XXXX Balance {$130.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00} , XXXX XXXX XXXXt Balance {$1000.00}, XXXX XXXX {$340.00} , XXXX XXXX Balance {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$15000.00}, XXXX Balance {$670.00}, XXXX Balance {$130.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00} , XXXX XXXX XXXXt Balance {$1000.00}, XXXX XXXX {$340.00} , XXXX XXXX Balance {$160.00}

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 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-15 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: OK

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-15 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, 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 2025-04-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, Experian and Transunion have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Addresses NEED TO BE REMOVEDXXXX 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 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 explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX publicly reports that they report account information to XXXX EXPERIAN, XXXX XXXX XXXX XXXX. In not doing so fairly and consistently for all of their customers they are committing fraud, misleading the public, and disseminating false information and promises to customers. 

EACH OF THE CREDIT BUREAUS NAMED SHOULD BE HELD EQUALLY RESPONSIBLE AND TAKE NOTE IN CASE THEY PLAY ANY ROLE IN WITHHOLDING THE REPORTING OF MY CREDIT INFORMATION AS IT CONCERNS XXXX XXXX XXXX XXXX. REPORTING OF MY INFORMATION SHOULD COMMENCE IMMEDIATELY AS IT WAS. 

With that in mind I have 5 accounts with XXXX XXXX XXXX none of which are being reported to the credit bureaus as per XXXX XXXX 's commitment to do so. Those five accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE IS NO REASON MY ACCOUNTS SHOULD NOT BE REPORTING TO THE CREDIT BUREAUS. 

EACH OF THE 5 ACCOUNTS I HAVE ( SOME OPEN/SOME PAID OFF ) ARE CRITICAL TO THE WELL-BEING OF MY CREDIT STANDING AND HAD BEEN REPORTING TO THE CREDIT BUREAUS UP UNTIL OR AROUND XX/XX/year> WHEN THEY WERE ALL REMOVED FROM THE CREDIT BUREAUS WHICH RESULTED IN MY CREDIT SCORE DECREASING XXXX. MY SCORE WENT FROM XXXXXXXX XXXX XXXX BECAUSE OF THIS. THIS MISHAP ON BEHALF OF XXXX XXXX HAS RUINED MY CREDIT RATING. 

I HAVE CONTACTED XXXX XXXX AT LEAST HALF A DOZEN TIMES IN WRITING AND BY PHONE FOR A PLAUSIBLE EXPLANATION. I HAVE SPOKEN WITH 6 DIFFERENT REPRESENTATIVES WHO ARE CLUELESS ON THE MATTER AND UNABLE TO ASSIST AND UNWILLING TO PURSUE THE MATTER ANY FURTHER. I HAVE BEEN OFFERED NO ASSISTANCE WHATSO EVER ON THE MATTER. 

I AM ENTITLED TO MY XXXX XXXX XXXX BEING REPORTED JUST LIKE ANY OTHER CUSTOMER AND NOT TO BE DISCRIMINATED AGAINST FOR ANY REASON BY REMOVING MY ACCOUNTS FROM RECORD WITH NO EXPLANATION OR PLAUSIBLE REASON. 

IT IS MY UNDERSTANDING THAT XXXX XXXX, IS WILLFULLY NOT REPORTING MY INFORMATION TO THE CREDIT BUREAUS AS THEY WOULD ALL OTHER CUSTOMERS AND IS THEREFORE COMMITING DISCRIMINATION AND FALSIFYING AND MISLEADING THE PUBLIC BY WRITTEN ANNOUNCEMENT THAT THEY REPORT ACCOUNT INFORMATION. 

I HAVE ATTACHED NUMEROUS SUPPORTING DOCUMENTS AS EVIDENCE

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 2025-04-15 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX publicly reports that they report account information to EQUIFAX, XXXX XXXX XXXX XXXX XXXX. In not doing so fairly and consistently for all of their customers they are committing fraud, misleading the public, and disseminating false information and promises to customers. 

EACH OF THE CREDIT BUREAUS NAMED SHOULD BE HELD EQUALLY RESPONSIBLE AND TAKE NOTE IN CASE THEY PLAY ANY ROLE IN WITHHOLDING THE REPORTING OF MY CREDIT INFORMATION AS IT CONCERNS XXXX XXXX XXXX XXXX. REPORTING OF MY INFORMATION SHOULD COMMENCE IMMEDIATELY AS IT WAS. 

With that in mind I have 5 accounts with XXXX XXXX XXXX none of which are being reported to the credit bureaus as per 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  THERE IS NO REASON MY ACCOUNTS SHOULD NOT BE REPORTING TO THE CREDIT BUREAUS. 

EACH OF THE XXXX ACCOUNTS I HAVE ( SOME OPEN/SOME PAID OFF ) ARE CRITICAL TO THE WELL-BEING OF MY CREDIT STANDING AND HAD BEEN REPORTING TO THE CREDIT BUREAUS UP UNTIL OR AROUND XX/XX/year> WHEN THEY WERE ALL REMOVED FROM THE CREDIT BUREAUS WHICH RESULTED IN MY CREDIT SCORE DECREASING XXXX. MY SCORE WENT FROM XXXXXXXX XXXX XXXX BECAUSE OF THIS. THIS MISHAP ON BEHALF OF XXXX XXXX HAS RUINED MY CREDIT RATING. 

I HAVE CONTACTED XXXX XXXX AT LEAST HALF A DOZEN TIMES IN WRITING AND BY PHONE FOR A PLAUSIBLE EXPLANATION. I HAVE SPOKEN WITH XXXX DIFFERENT REPRESENTATIVES WHO ARE CLUELESS ON THE MATTER AND UNABLE TO ASSIST AND UNWILLING TO PURSUE THE MATTER ANY FURTHER. I HAVE BEEN OFFERED NO ASSISTANCE WHATSO EVER ON THE MATTER. 

I AM ENTITLED TO MY ACCOUNTSWITH XXXX XXXX BEING REPORTED JUST LIKE ANY OTHER CUSTOMER AND NOT TO BE DISCRIMINATED AGAINST FOR ANY REASON BY REMOVING MY ACCOUNTS FROM RECORD WITH NO EXPLANATION OR PLAUSIBLE REASON. 

IT IS MY UNDERSTANDING THAT XXXX XXXX, IS WILLFULLY NOT REPORTING MY INFORMATION TO THE CREDIT BUREAUS AS THEY WOULD ALL OTHER CUSTOMERS AND IS THEREFORE COMMITING DISCRIMINATION AND FALSIFYING AND MISLEADING THE PUBLIC BY WRITTEN ANNOUNCEMENT THAT THEY REPORT ACCOUNT INFORMATION. 

I HAVE ATTACHED NUMEROUS SUPPORTING DOCUMENTS AS EVIDENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I recently created an account with Cash App. Immediately after creating the case I was told I was in violation of their terms of service and they disabled my account. I have never signed up for Cash App or ever used their service so I couldnt possibly be in violation of their TOS. 

In addition when I created my account I did notice an old transaction from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX which I did not make so I am wondering if someone may have used my information to create an account in the past and then violated their TOS. I filed an appeal with Cash App which was subsequently denied and they refused to open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I must emphasize that this complaint is valid and not the result of any misunderstanding. My credit report contains inaccuracies that clearly fail to meet the legal requirement of maximum possible accuracy. These errors are having a profound and ongoing negative impact on my life, both emotionally and financially. This situation is deeply distressing, especially during an already difficult time. I am urgently requesting that these inaccuracies be thoroughly investigated and either corrected or permanently removed from my credit report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Veros Credit, LLC
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 4 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with explanation