vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were opened without my knowledge and appear to be the result of identity theft. 

The fraudulent 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 XXXXXX/XX/XXXX These accounts were added to my credit report without my 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have called this guys so many times to dispute this and have them removed and they were going to investigate but havent done anything and last time I talked to them was over a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I filed a dispute with Ally Bank for a XXXX payment sent as part of a trade. The other party misrepresented the agreement and failed to provide legal title, making the transaction incomplete. I submitted documentation including screenshots of our agreement and follow-up messages, but Ally closed the case before reviewing them. Allys own messages confirm that I uploaded the documentation, yet they denied the dispute immediately. I believe this should be treated as a Regulation E fraud by deception case and respectfully request a proper investigation.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX Account Number : XXXX Date fraud began : XXXX/2025 Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$350.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/scrub>/2025 Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$250.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

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 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I submitted a claim through Wells Fargo regarding an unauthorized transaction which occurred through XXXX XXXX in the amount of {$400.00}. Someone hacked into my account and transferred money to someone that I dont know. I provided Wells Fargo all the details necessary yet they declined my claim. This is very frustrating as Ive been banking with Wells Fargo for years. Im really hoping to get some resolution with this claim. Any assistance would be greatly appreciated!

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Sold my original account to another company making it harder for me to get a line of credit or a loan from a bank misleading information about my credit history have address that not mine phone number that arent mine things that are very important to my credit score that are not accurate and misleading information that I need removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Sold my original account to another company making it harder for me to get a line of credit or a loan from a bank misleading information about my credit history have address that not mine phone number that arent mine things that are very important to my credit score that are not accurate and misleading information that I need removed asap

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Sold my original account to another company making it harder for me to get a line of credit or a loan from a bank misleading information about my credit history have address that not mine phone number that arent mine things that are very important to my credit score that are not accurate and misleading information that I need removed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am having an issue with Fifth Third bank disbursing the funds from my XXXX XXXX XXXX account. It's a savings account and a CD that we instructed for them to liquidate. We supplied them with a death certificate weeks ago and they just keep passing us around and not actually accomplishing anything. I live out of state so I've had a tough time with it. They are intentionally making it difficult and I just see it as another aspect of our society breaking down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply 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 explanation
Consumer complaint received 2025-04-30 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 recently noticed some incorrect items on my credit report .This problem is affect my ability to get credit. Please review this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/XXXX Account was closed XX/XX/XXXX I get a letter saying it is closed. County auditor has received nothing from them it has been 30days. and they are telling me the satisfaction of mortgage was never done. This is with Us bank who we called once a week. who has given me a different response each time. Told on XX/XX/XXXX that a letter has been sent to County Auditor. Called the bank today talk to the supervisor who has no clue what is going on with our account or were any of this so called paper work. So this Loan that we have never used and has no dept. on it. I have no idea what to do, me and my wife applied for a loan can't do anything till this matter is concluded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 had my identity stolen. The person created a login account with Experian. Each time I try to go in and log into the account to retrieve a user name or password, the verification process is directed to the identity thief. The verification email is not mine, but the Identity thief, the telephone number associated with the account login is not mine, but that of the identity thief. 

All I am asking is that they remove/delete that wrong account for XXXX XXXX and let me create a new account to log in and monitor my personal credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I am submitting this follow-up to provide newly documented evidence and to demand immediate action. 

As of XX/XX/year>, Equifax has officially confirmed in writing that the address XXXX XXXX XXXX XXXX XXXX was part of a mixed file and has been deleted from my credit report. This is direct proof that Equifax had improperly merged my file with someone elses data a serious violation of 15 U.S.C. 1681e ( b ) under the Fair Credit Reporting Act. 

Despite this confirmation and the fact that I have submitted my legal identification three times, Equifax continues to report : The inaccurate name XXXX XXXX, which is not and has never been my legal name, Multiple negative accounts tied to that deleted XXXXXXXX XXXX XXXX And information from furnishers who can not verify any connection to my verified identity or address. 

Equifax used the same documents to delete the inaccurate address but refused to use them to delete the name or the negative accounts attached to it. This is discriminatory and selective handling of my dispute violating 15 U.S.C. 1681i ( a ) and 1681i ( a ) ( 5 ) ( A ). 

Equifax also confirmed in writing that my correct legal name after reviewing my identification documents. This was clearly stated in their own dispute results. However, despite acknowledging the correct name, Equifax refused to delete the false name XXXX XXXX from my credit report. This demonstrates selective processing of my dispute and further supports that my file is mixed and being mishandled in violation of 15 U.S.C. 1681i ( a ) and 1681e ( b ). If my documents were sufficient to correct the address, they were sufficient to correct the name. Equifaxs refusal to fix both shows deliberate neglect of their duty to maintain accurate and complete consumer records. 



I am now demanding : Immediate deletion of the name XXXX XXXX XXXX deletion of all negative accounts associated with the XXXX XXXX XXXX or the mixed file A written statement confirming that these items will not be reinserted without legal verification and notice, as required under 1681i ( a ) ( 5 ) ( B ) These continued inaccuracies are preventing me from accessing credit and reflect a pattern of willful noncompliance by Equifax. I am attaching my updated dispute letter and the Equifax statement where they admit the file was mixed as Exhibit A. 

I respectfully request full enforcement action by the CFPB, and if necessary, referral to other regulatory or legal bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Harassing me constantly throughout the day. Constantly calling and texting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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