vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding fraudulent inquiries and incorrect personal information that have appeared on my credit report. These errors are directly tied to a data breach and are harming my credit. Additionally, a bankruptcy that has already been XXXX  is still showing on my report, further impacting my credit score.

These inaccuracies are preventing me from securing a mortgage loan, which is critical for providing housing for my family. I request an urgent resolution to have the fraudulent inquiries, incorrect personal information, and XXXX bankruptcy removed from my credit report within 5 business days. This matter is time-sensitive, and I need it resolved quickly to secure the loan

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 2025-02-19 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-19 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 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 non-monetary relief
Consumer complaint received 2025-02-19 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: GA

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am formally disputing the collection account reported by Hunter Warfield as it is inaccurate, unverified, and should not be on my credit report. I am requesting its immediate removal from all credit bureaus.

Reason for Dispute & Basis for Removal : 1. Unverified Debt : Hunter Warfield has not provided sufficient documentation proving that this debt is valid, accurate, or legally owed by me. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this account, which has not been provided.

2. Inaccurate Reporting : The details of this account, including the balance and status, appear incorrect and do not match any records I have. Any reporting of inaccurate or unverifiable debt is a violation of my consumer rights.

3. Failure to Provide Proper Notification : I was never properly notified of this debt, nor was I given the opportunity to dispute it before it was reported. This lack of due process further supports the need for removal.

Since Hunter Warfield has failed to provide valid proof of this debt, I demand its immediate deletion from my credit report per FCRA guidelines. If this account is not removed promptly, I will escalate this matter with legal action if necessary. 

Please confirm receipt of this dispute and provide a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear ADS/ COMENITY/XXXX XXXX ; I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history. 
Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I signed up for an XXXX XXXX  credit card but never received the physical card or any login credentials to access my account and make payments. When I called customer service, I discovered that I had been charged a significant amount in interest. Despite making the minimum required payments, I ended up paying twice the amount I originally spent. 

At one point, I decided to close my account and pay off the remaining balance. I called customer service, provided my debit card information, and was assured the payment would be processed. However, three days later, I noticed that no charge had been made to my account. When I called them again, I found out that the payment never went through due to an error on their end. 

I made the payment again and filed a complaint, expecting to be contacted within 34 months to resolve the issue. Despite paying everything except for an additional charge that wasnt my fault, the issue was never addressed. When I followed up, they repeatedly told me they would " restart '' the process, but nothing has been resolved. 

Due to their mistake, an extra charge of {$35.00} has now escalated to nearly {$200.00}, and my credit score has dropped from XXXX to below XXXX. I have tried reaching out to both Comenity Bank and XXXX XXXX, but their customer service has been unhelpful and rude. The manager refuses to acknowledge the issue and simply tells me to " deal with it. '' This situation has caused unnecessary financial stress and significantly damaged my credit score, all due to their mismanagement. I need this matter to be addressed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I applied for a credit card with Well Fargo, when i say the terms and credit limit i decided to not move forward with the credit card. I called the next day to cancel the application and i was told the credit card application was approved and will be opened and i can not stop the credit card account from opening. My only option is to open the credit card and cancel it afterwards.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank allowed XXXX to open a fraudulent payroll account and conspired to fraudulently steal {$29000.00} in XXXX ( XXXX ) electronic disbursement from my XXXX account silently, without customers ' authorization. My company never had an XXXX PAYROLL account nor authorized anyone to open XXXX. 
It is common knowledge that companies make a maximum of XXXX draws per pay period, usually every XXXX weeks. Wells Fargo and XXXX failed to identify a fraudulent payroll account opening, leading to XXXX ( XXXX ) unusual and unauthorized payroll withdrawals from my company bank account over XXXX days. Wells Fargo Bank has not block XXXX from additional XXXX withdrawals from my other accounts that were submitted today ( XX/XX/year> ). Wells Fargo Bank has the fiduciary duty and legal responsibility to protect customers ' money and must return the stolen money.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I bank with Wells fargo. On XX/XX/25 I deposited a $ XXXX from my xfiance. Who was repaying money he borrowed from me. I deposited it in the bank machine in the afternoon. 
I went to the bank the following day to do other banking, and the check had cleared, so I withdrew all but about {$300.00} XXXX pay my loan Wells fargo historically clears checks the following day, other than weekends. 
I used to work for my xfiance for about XXXX  years. 
A few days later I see an email from Wells fargo that says my balance is minus {$6300.00}. XXXXXXXXXXXX. 
What baffled me is that the funds had already cleared, otherwise, they wouldn't be in my account. 
I also had a message saying there had been a stop put on the check, long after it had cleared, I assume by my x. 
I called Wells fargo to file a check fraud c to aim. The talked to me for awhile, very helpful, then said they have to transfer me to the fraud dept. I said that's who you are. They transfered me. To another person who needed to transfer me to fraud. This person spoke poor English. They transfered me again, to someone who hardly spoke English and she needed to transfer me, this time, they sent into their phone system and it hung u. 
They had no interest in helping me. In fact, I believe they know that my check cleared and are trying to hold me financially accountable for something they have done. It just doesn't feel right. 
I had a claim against Wells Fargo for a car loan about XXXX  years ago, where they falsely accused me of owing them a pile of late fees, when I went to pay off the loan. They were horrible. And I received help proving I had no late fees, maybe from you guys actually. Anyhow, I feel there's some falsehoods here, as well, as I can't even file a check fraud claim with them that I now feel should be a bank fraud claim. 
I can really use your help Please help. I did nothing wrong other than bank with Wells Fargo 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject : Complaint Against Credit Collection Services for Unauthorized Disclosure of Nonpublic Personal Information Request for Charge-Off/Collection Removal To Whom It May Concern, I am submitting this formal complaint against Credit Collection Services for violations of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, concerning the unauthorized disclosure and handling of my nonpublic personal financial information ( NPPI ). This violation has resulted in an inaccurate and unfair charge-off/collection account being reported on my credit file. 
Summary of the Issue : On XX/XX/scrub>/2024 I noticed that Credit Collection Services had placed a charge-off/collection account on my credit report with [ XXXX, XXXX, XXXX ] XXXX Upon further investigation, I found that they failed to comply with the privacy and opt-out provisions required under 15 U.S.C. 6802, which govern the sharing of consumer financial data with third parties.

Under 15 U.S.C. 6801, financial institutions must ensure the security and confidentiality of consumers nonpublic personal information ( NPPI ). Furthermore, 15 U.S.C. 6802 states that a financial institution : Must provide a clear and conspicuous privacy notice before sharing personal financial data.

Must allow consumers to opt out before disclosing their NPPI to nonaffiliated third parties.

Can not share NPPI without proper notice and consent, except under legally permitted circumstances.

Despite these legal protections, Credit Collection Services failed to : Provide me with a legally required privacy notice before sharing my financial information.

Obtain my explicit consent before disclosing my financial data to a third-party debt collector.

Give me a reasonable opportunity to opt out before furnishing my financial information to unauthorized parties.

Because of these violations, the charge-off/collection account was improperly created and reported, negatively impacting my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of the following inaccurate item ( s ) : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of the following inaccurate item ( s ) : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute Experian and Equifax for incorrect items on my credit report, failure to investigate a dispute and unauthorized access to my credit report. This matter constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o, which holds parties civilly liable for negligent noncompliance with the statute.

According to the FCRA, entities handling consumer credit information must ensure accuracy, fairness, and privacy in reporting. However, I have found that your organization has failed to meet these obligations in the following ways : Failure to correct inaccurate information after notification, failure to conduct a reasonable investigation and improper disclosure of credit information.

This negligence has resulted in harm, including but not limited to financial loss, damage to my creditworthiness, and emotional distress. Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this negligence, as well as reasonable attorneys fees if legal action becomes necessary.

To resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.

Conduct a proper investigation into this matter as required under the FCRA.

Provide a detailed response within 30 days of receipt of this letter, outlining the corrective measures taken.

If this matter is not resolved promptly, I may have no choice but to escalate this issue through legal channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights under the FCRA.

I expect a written response within the statutory timeframe. Please send all correspondence regarding this dispute to the address listed above.

Company response to consumer: Closed with explanation