vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-07 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-07 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: NV

Complaint narrative:
These inquiries arrived unexpectedly and might not be authorized. Kindly review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-08-07 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I owe a debt and currently am filing for bankruptcy and comenity bank is violating XXXX in XXXX rule. I get multiple calls from them from multiple numbers every day well over 7 times in a week. 
XXXX number is blocked but says unknown which called XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX am. Another number is XXXX called around XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CT

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Subject XXXX Formal Dispute of Reported Late Payment Under 15 U.S.C. 1666b Dear XXXX XXXX, I am writing to formally dispute the reporting of a late payment on my account [ Insert Account Number ]. According to 15 U.S. Code 1666b, a creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures to ensure that the periodic statement is mailed or delivered at least 21 days before the payment due date. 

To the best of my knowledge, my payment was not 30 days late as alleged. If you are reporting this account as delinquent, I am requesting immediate verification of the following : The date the billing statement was issued or delivered for the period in question ; The payment due date listed on the statement ; and The date the payment was actually received and processed.

If this documentation can not be provided, or if the reported delinquency does not meet the requirements of 15 U.S.C. 1666b, I am demanding that the late payment be deleted from all credit reporting agencies immediately to avoid any further violation of federal law. 

Please consider this a formal dispute and respond within the timeframe prescribed by the Fair Credit Reporting Act. If no verification is received, I expect the inaccurate information to be corrected accordingly. 

Sincerely, XXXX XXXX Account 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 2025-08-07 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts and multiple hard inquiries that was fraudulently opened in my name. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX TransUnion, and XXXX  along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-08-07 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had someone access my bank account and transfer all of my XXXX and I have even provided a police report for the fraudulent transaction and they still continue to deny my claim and havent provided me any reasoning for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
I was involved in a XXXX  accident in XXXX, and XXXX XXXX XXXX XXXX insurance company. 
My car was repaired in XXXX XXXX and then XXXX XXXX paid the shop directly : XXXX and I paid XXXXXXXX XXXX deductible. The total amount was:XXXX XXXX is the company that XXXX XXXX XXXX XXXX collect a debt that doesn't exist. They say I owe money that XXXX XXXX supposedly paid me XXXX.The amount that debt is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ive been dealing with unresolved issues with Wells Fargo for over XXXX  months. My account keeps going negative due to delayed pending charges that all post right before or at the same time as my paycheck. This causes my deposit to be eaten up before I can access my own money. 

I filed a claim about a previous issue where nearly {$1000.00} went missing. I was told to wait XXXX days for a response, but its now been XXXX days, and no one has followed up no call, no message, nothing. I even gave them extra time while I was out of town, and I still havent heard back. I feel ignored and disrespected. 

On top of that, my account continues acting weird. A deposit that normally shows as pending disappeared before being posted, and multiple charges posted all at once, pushing me into the negative again almost the exact amount of my paycheck. This has now happened multiple times. 

Wells Fargo keeps charging me fees I dont understand. Representatives give me conflicting explanations and never take accountability. Because of this, I havent been able to pay for school ( which starts next week ), or get a new computer or phone. I even missed the chance to get my sister a birthday gift. This situation is hurting my life and my ability to move forward. 

At this point, XXXX  not looking for another explanation Ive been dismissed and misled enough. XXXX requesting a full refund of the fees and money lost due to XXXX XXXX mishandling of my account and failure to resolve the claim I filed.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo Account Closure Due to Suspected Suspicious Activity A Personal Account of Circumstances and Possible Reasons Venmo, like many financial platforms, actively monitors user accounts for activity it deems suspicious in order to comply with regulations and prevent misuse. In my case, I recently received a notification indicating that Venmo had detected what it described as " suspicious activity '' associated with my account. As a result, my account was immediately suspended, and, following their internal determination, Venmo closed my account altogether before I was able to transfer out my remaining funds. 
To provide context, I manage a XXXX group where members frequently exchange small dollar amounts throughout the day. These transactions are typically friendly repayments or group-related exchanges, and they are set up under XXXX " XXXX and XXXX  '' designation rather than as " XXXX '' transactions. Because of this, none of our group members, myself included, were paying fees on these transfers, since Venmo does not generally charge fees for transactions between individuals marked as " XXXX  and XXXX ''. 
I believe that the sheer volume of these transactionscombined with the lack of fees and the structure of our exchangesattracted XXXX attention and triggered their review process. From the outside, a high frequency of payments with no associated fees might resemble attempts to bypass XXXX intended use cases or its fee structure, leading their automated systems or compliance teams to flag the account. 
Unfortunately, because XXXX communication was limited to the generic term " suspicious activity, '' I was not given specific details or an opportunity to clarify or resolve any misunderstandings before my account was closed. This lack of transparency left me unable to access my funds or address the concerns that led to my suspension. 

In summary : Venmo closed my account due to a determination of " suspicious activity. '' The suspension occurred before I could withdraw my remaining balance. 
I manage a XXXX XXXX with frequent, small, fee-free transactions, all categorized as " XXXX  and XXXX. '' I suspect the volume and structure of these transactions led to XXXX action. 
No further explanation or chance to respond was provided by Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My son stole my banking information and attached it to a XXXX account. He used the cash app credit features ( buy now pay later ) to make several transactions, including transactions for substances that are federally illegal ( XXXX ). These transactions were debited from my account without my knowledge. I attempted to work with cash app but they do not have any functional customer service channels. 

I'm also concerned that your product can be used to purchase illegal substances on credit. I plan on contacting my congressperson to make them aware of this. I'm also surprised that you can attach accounts to cash app that are not associated with the owner of the account. This feature seems designed to facilitate fraud. 

I've removed my banking information and accounts from the unauthorized account, but I'm not able to delete the account nor am I able to delete my information * including my social security number * from the account. The account says that their are pending withdrawals for these illegal purchases. I would like a full refund of all funds that were accessed from account and I would like for the account to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
These accounts were falsely created under my name and must be eliminated within the 15-day period, per USC 1681g .

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