vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LEXISNEXIS
State: MI

Complaint narrative:
I DONT EVEN KNOW OR NEVER HEARD OF XXXX LEXIS NEXIS JUST POPPED UP I DONT EVEN KNOW HOW THEY GOT ANY OF MY INFORMATION WHEN I SHOULD BE OPTED OUT ANYTHING TO DO WITH THESE XXXX companies. Subject : Demand for Better Service, Full Consumer Report Update, and Permanent Removal of Fraudulent/Outdated Information To Whom It May Concern, I am requesting immediate and permanent updates to my consumer profile. Despite multiple disputes and confirmed deletions in the past, I continue to experience serious harm because the same fraudulent, inaccurate, outdated, and previously deleted information is still being displayed to creditors and other institutions when my profile is accessed Each time my credit report is viewed, creditors see harmful and misleading activity that does not belong on my report. This has caused denials of credit, loans, and financial opportunities, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Early Warning Services, LLC
State: MI

Complaint narrative:
I DONT EVEN KNOW OR NEVER HEARD OF XXXX XXXX XXXX JUST POPPED UP I DONT EVEN KNOW HOW THEY GOT ANY OF MY INFORMATION WHEN I SHOULD BE OPTED OUT ANYTHING TO DO WITH THESE XXXX companies. Subject : Demand for Better Service, Full Consumer Report Update, and Permanent Removal of Fraudulent/Outdated Information To Whom It May Concern, I am requesting immediate and permanent updates to my consumer profile. Despite multiple disputes and confirmed deletions in the past, I continue to experience serious harm because the same fraudulent, inaccurate, outdated, and previously deleted information is still being displayed to creditors and other institutions when my profile is accessed Each time my credit report is viewed, creditors see harmful and misleading activity that does not belong on my report. This has caused denials of credit, loans, and financial opportunities, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was reviewing my consumer report recently and I discovered that there were inaccuracies reported willfully and knowingly, which violates, per 15 U.S.C. 1681b and 15 USC 1681s-2 ( a ) ( 1 ). The information being reported has adversely affected my character, creditworthiness, reputation, and mode of living. As a consumer described under 15 U.S.C. 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, GLBA, and Title 18 under Identity Theft. 15 U.S.C. 6801 and 6802 emphasizes the importance of securing non-public personal information, and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, a clear indication of 18 U.S.C. 1028. Therefore, I kindly demand a block of all accounts, per 15 U.S.C. 1681c-2 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> - I had XXXX credits on my account for XXXX each, they were cleared and deposited on XX/XX/year> and I withdrew XXXX and then all of a sudden my accounts were marked as fraud. I CALLED WELLS FARGO FRAUD DEPARTMENT AS THEY HAVE BEEN CALLING ME THE LAST WEEK! THE MAN ON THE PHONE SAID THAT XXXX CHECKS WERE MOBILE DEPOSITED INTO MY ACCOUNT! I HAVE NEVER USED MOBILE DEPOSIT BECAUSE ALL OF MY CHECKS HAVE NEVER BEEN MOBILE DEPOSIT THEY HAVE ALWAYS BEEN DIRECT DEPOSITED AND THEN HE INSISTED THAT THESE WERE MY CHECKS BECAUSE THEY WERE MADE OUT TO ME! WHICH THEY ARE NOT! I EXPLAINED TO HIM THAT THIS IS FALSE SOMEONE HAD MY INFORMATION XXXX THAT THE FRAUD DEPARTMENT SENT ME A EMAIL TO CHANGE MY USERNAME AND PASSCODE HE INSTEAD IGNORED WHAT I WAS TELLING HIM XXXX SAYING THAT THESE CHECKS WERE BAD AND THAT HE EXPLAINED EVERYTHING AND THERE IS NOTHING THEY CANDO! I have never ever given any info to anyone. I always use my accts for XXXX payments and direct deposit and ACH withdrawals! This is so wrong and I'm highly upset with WELLS FARGO! They will continue to get sued because the customer doesn't matter he shunned me and made sure that he made me feel like I did this to my acct and I did not! I never got an email for mobile deposit never have ever used it! And WELLS FARGO DOESNT GIVE A XXXX! I'm tired of them getting over on INNOCENT PPL

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 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I was charged a late fee for paying on the XXXX, XX/XX/year>, following a XXXX  due date, XX/XX/year>, for my credit card. Mail may have been late due to the flooding in Texas that week. I submitted through online bill pay on XXXX. 

Charging a late fee violates CFPB guidance : XXXX XXXX XXXXXXXX The Company refunded my fee, but based on the letter back to me, they charge late fees when paying the day following a due date that falls on a non-business day. This could generate XXXX XXXX XXXX XXXX XXXX or more in fees from Consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This credit collection agency resurgent capital services has been emailing me and sending me letters that I owe them monies from a current owner of LVNV funding LLC. Account number XXXX. Just a XXXX  months ago I received a letter from LVNV funding LLC attorneys dropping the potential lawsuit which I have copies of court documents due to the fact that the only income I have is my XXXX XXXX XXXXXXXX, which in the state of Maryland, they are not allowed to collect against. Between LVNV funding and resurgent. This should put the issues to rest. Evidently, they keep harassing me at this time. I want them to stop harassing me. I want them to take the court documents that I had given them and close the case otherwise I am going to seek restitution against them for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported in my Experian credit file. Experian is currently reporting an address that does not belong to me. This incorrect address is the result of identity theft. 

I have submitted my police report and other supporting documents as required under the Fair Credit Reporting Act ( FCRA ). Despite providing sufficient evidence, Experian has refused to remove this fraudulent information from my credit file. 

This refusal to remove inaccurate information is a violation of my rights under the FCRA, which requires credit reporting agencies to promptly investigate disputes and delete unverifiable or fraudulent information. 

I am requesting the immediate removal of the fraudulent address from my credit report. Please provide written confirmation that the false information has been deleted and that corrective measures have been taken to prevent it from being reinserted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2025-08-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-08-16 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:
I am a victim of willful non-compliance by Experian, Equifax, and TransUnion. These credit reporting agencies are knowingly reporting inaccurate, unverifiable, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Despite multiple disputes, the bureaus failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). Instead, they parroted information from furnishers without providing any real evidence or the required Method of Verification under 1681i ( a ) ( 7 ). This behavior is reckless and demonstrates a pattern of willful disregard for federal law.

The errors include : Conflicting dates ( last payment, date of first delinquency, last reported, and balances ) that do not reconcile with the account terms.

Payment history defects, including impossible sequences of late payments that violate Metro 2 Payment History Profile reporting logic. 

Balances and past due amounts that mathematically do not add up and remain frozen for months, proving that no actual updates are being made. 

Unauthorized hard inquiries that were placed without my consent or permissible purpose under 15 U.S.C. 1681b.

Outdated personal identifiers such as old addresses and employers that do not belong to me but remain in my file.

By continuing to publish this knowingly false information, the CRAs are violating 1681e ( b ), which requires maximum possible accuracy. Their repeated verification responses without evidence prove bad faith and willful noncompliance under 1681n. These actions are harming me financially, damaging my reputation, and lowering my FICO scores, directly preventing me from obtaining credit and fair financial opportunities. 

I demand immediate enforcement by the CFPB to hold these agencies accountable for violating federal law and to force the permanent DELETION of all unverifiable, inaccurate, and unauthorized information from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I am a victim of willful non-compliance by Experian, Equifax, and TransUnion. These credit reporting agencies are knowingly reporting inaccurate, unverifiable, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Despite multiple disputes, the bureaus failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). Instead, they parroted information from furnishers without providing any real evidence or the required Method of Verification under 1681i ( a ) ( 7 ). This behavior is reckless and demonstrates a pattern of willful disregard for federal law.

The errors include : Conflicting dates ( last payment, date of first delinquency, last reported, and balances ) that do not reconcile with the account terms.

Payment history defects, including impossible sequences of late payments that violate Metro 2 Payment History Profile reporting logic. 

Balances and past due amounts that mathematically do not add up and remain frozen for months, proving that no actual updates are being made. 

Unauthorized hard inquiries that were placed without my consent or permissible purpose under 15 U.S.C. 1681b.

Outdated personal identifiers such as old addresses and employers that do not belong to me but remain in my file.

By continuing to publish this knowingly false information, the CRAs are violating 1681e ( b ), which requires maximum possible accuracy. Their repeated verification responses without evidence prove bad faith and willful noncompliance under 1681n. These actions are harming me financially, damaging my reputation, and lowering my FICO scores, directly preventing me from obtaining credit and fair financial opportunities. 

I demand immediate enforcement by the CFPB to hold these agencies accountable for violating federal law and to force the permanent DELETION of all unverifiable, inaccurate, and unauthorized information from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The documents received as a response have been altered and signature are suspicious due to misspelling of my last name. I do not recall visited XXXX XXXX  to sign these altered documents.l have received packets with your response. Thank you. These will need to be authenticated

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am disputing an inaccurate late payment reporting by Synchrony Bank on my CareCredit account ending in XXXX. My credit report shows a late payment reported in XX/XX/year>, even though this account is closed and resolved. 

I have already filed disputes with all three credit bureaus ( XXXX XXXX XXXX XXXX ) and directly with Synchrony Bank. Despite providing documentation proving the account was closed and settled, Synchrony continues to verify and report this late payment inaccurately. 

This reporting is misleading and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

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