vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NC

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

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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The personal information on my credit report were outdated.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/25 i send XXXXXXXX XXXX  from XXXX to XXXX. According to contract and term & conditions they have to keep money XXXX until XXXX XXXX. But on XX/XX/25 they cancelled transaction and made unauthtorized refund. They say apologize and gave only XXXXXXXX XXXX compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-07 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing TransUnion to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. According to 15 U.S.C 1681i ( 7 ) 15 U.S.C 1681i ( a ) ( 6 ) B iii I am requesting a description of the procedures that was used to determine the acc
uracy and completeness of the information I've disputed. Additionally, a full breakdown of the steps taken by your agency and detailed explanation of how this information was approved.


Documentation-showing how this information was originally verified by your bureau. Confirmation-of whether the furnisher ( creditor ) provided adequate proof to support their reporting .ie : names, addresses, and phone numbers of any furnisher that was contacted regarding my dispute. In the event you fail to respond to this request altogether, the disputed data must be deleted. ( 15 U.S.C 1681i ( 5 ) ).

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I applied for and was approved for XXXX Citi credit card. I used the card responsibly and made all payments on time. Later, I began receiving calls about a past due balance I didnt recognize. Eventually, I learned that without my knowledge or consent, a second credit card account had been opened under my name in the same date and same credit limit as the one I applied for. 

Some of the purchases I made using the only card I ever received were charged to this second account. I was completely unaware of this duplicate, so I was not making payments toward it. The missed payments were not due to negligence but because I had no way of knowing that my purchases were being split across XXXX accounts. 

I contacted Citi several times looking for an explanation, and they told me they opened an investigation. However, their only response was that the account and charges were mine and that I was responsible for paying ; without addressing my actual concern, which is that the second account should never have existed in the first place. My complaint is not that I didnt make the purchases, but that the charges were improperly routed to an account I never opened or authorized. 

Additionally, XXXX representative was extremely rude, refused to let me speak, and hung up on me, which made this situation even more stressful.

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 2025-05-07 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-05-07 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attention : Chief Financial Officer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern : This is a formal notice regarding your unlawful access and reporting of an unauthorized hard inquiry on my consumer credit report. I have not granted your organization authorization to obtain my consumer report, nor do you have a permissible purpose under federal law to access my private information.

Pursuant to 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed with explicit permissible purpose or consumer consent. Your unauthorized access violates the following : FCRA 604 ( a ) [ 15 U.S.C. 1681b ] : Permissible purposes for obtaining a consumer report. FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses. 
Specific Violations XXXX. Unauthorized Access You unlawfully obtained my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, without my consent or any permissible purpose under 15 U.S.C. 1681b. There is no contractual relationship, account, or transaction initiated by me that would justify such access.

2. Failure to Certify Purpose Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ], you are required to certify the permissible purpose of your inquiry to the Consumer Reporting Agency ( CRA ). I demand the general or specific certification you provided to the CRA for this inquiry. 
3. Aggravated Identity Theft Your actions violate 18 U.S.C. 1028A, as you knowingly accessed and used my personal identification without lawful authority. This constitutes aggravated identity theft, a felony punishable by imprisonment and fines. 
Harm Caused by Your Actions As a result of your willful violations of the FCRA, I have suffered the following damages : Denial of new credit. Negative impact on my credit score. Emotional distress and reputational harm.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attention : Chief Financial Officer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern : This is a formal notice regarding your unlawful access and reporting of an unauthorized hard inquiry on my consumer credit report. I have not granted your organization authorization to obtain my consumer report, nor do you have a permissible purpose under federal law to access my private information.

Pursuant to 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed with explicit permissible purpose or consumer consent. Your unauthorized access violates the following : FCRA 604 ( a ) [ 15 U.S.C. 1681b ] : Permissible purposes for obtaining a consumer report. FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses. 
Specific Violations XXXX. Unauthorized Access You unlawfully obtained my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, without my consent or any permissible purpose under 15 U.S.C. 1681b. There is no contractual relationship, account, or transaction initiated by me that would justify such access.

2. Failure to Certify Purpose Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ], you are required to certify the permissible purpose of your inquiry to the Consumer Reporting Agency ( CRA ). I demand the general or specific certification you provided to the CRA for this inquiry. 
3. Aggravated Identity Theft Your actions violate 18 U.S.C. 1028A, as you knowingly accessed and used my personal identification without lawful authority. This constitutes aggravated identity theft, a felony punishable by imprisonment and fines. 
Harm Caused by Your Actions As a result of your willful violations of the FCRA, I have suffered the following damages : Denial of new credit. Negative impact on my credit score. Emotional distress and reputational harm.

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 2025-05-07 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-07 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint against : Wells Fargo Bank , N.A . 
Product : Credit Card Issue : Fraud or Scam / Billing dispute Unauthorized transaction On XX/XX/2025, I was the victim of a sophisticated phishing scam targeting new hires at my company. An individual impersonating a senior XXXX of my employer contacted me via text message and, under urgent pretenses, instructed me to purchase {$1000.00} worth of gift cards to allegedly support a company client initiative. 

Trusting that the request was legitimate and believing I was performing a job-related task, I completed the purchase and provided the gift card codes to the scammer. I realized shortly thereafter that I had been defrauded and immediately contacted Wells Fargo the same day to report the fraudulent activity. 

Wells Fargo initially denied my dispute on the grounds that I was in possession of my credit card during the transaction. However, the transaction was obtained through fraudulent misrepresentation and under false pretenses, and therefore it should be considered unauthorized under the Fair Credit Billing Act ( FCBA ). The use of my card was not the result of genuine consent but of deliberate deception, and my vulnerability as a new hire was preyed upon by the individual. 

I have provided Wells Fargo with substantial documentation, including a complete copy of the fraudulent communication. I have also reported the incident to the FBIs Internet Crime Complaint Center ( IC3 ) and my local law enforcement agency. In a recent conversation, they informed me that filing a complaint with the FCBA was my only other option. 

I am requesting that Wells Fargo reverse the {$1000.00} fraudulent charge in accordance with the consumer protections afforded by the 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
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1.XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} Date Opened : XX/XX/year>

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 2025-05-07 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: FL

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I was a co-signer for my sister, XXXX, when she wanted some furniture from XXXX XXXX XXXX.We got this loan/credit card with Concora Credit ( XXXX XXXX XXXXFeb Retail ) and had it for about XXXX years. We had been making payments each and every month and on time. On around XX/XX/scrub>XXXX XXXX  we had a bad car wreck and hospitalized. We wasn't able to make the payment on time for this specific month because of that. When we got out the hospital we did contact FEB retail and let them knew what happened and they stated as long as we make up for the payment everything would be fine. Well it wasn't. We did make up for the payment right then by paying it and have since paid the entire balance on this loan/credit card but Feb Retail dinged my credit report for this XXXX late payment and it dropped my score down XXXX points. I dont think its fair that XXXX years of paying this bill on time and the XXXX time it wasnt paid on time I get reprimanded for it immediately. Companies should be able to work with customers when unforseen circumstances happen like this one. We could have lost our life in that accident! I am asking from a very loyal customer who did pay my obligation to you guys in full, to remove this XXXX late payment remark off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 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: TX

Complaint narrative:
I am disputing several student loan accounts reported under the Department of Education ( NELN ) on my credit report. I did not attend college, nor did I authorize these loans. These accounts are fraudulent, and I believe they were opened without my consent as part of an identity theft situation. Despite this, these accounts continue to appear on my credit report.

I am requesting that these accounts be removed in compliance with FCRA Section 605B. Additionally, I am requesting that Experian provide me with the Master Promissory Note or any signed documentation that supports these accounts. I have not been involved in any transactions related to these loans, and I need these fraudulent accounts removed from my credit report immediately.

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