vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
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. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX 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 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 other reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
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. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX 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 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 other 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 2025-07-26 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 recently reviewed my TransUnion credit report dated XX/XX/XXXX, and found several hard inquiries that I do not recognize or recall authorizing. These inquiries were made by XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). 

To my knowledge, I did not apply for new credit with any of these companies on or around the listed dates. I have not initiated contact or submitted credit applications to these lenders and was surprised to find multiple inquiries on my report. 

I am requesting that these companies provide evidence of my authorization for these inquiries. If none can be provided, I am asking for these inquiries to be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-26 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: TX

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My PNC Checking account was suddenly closed after one month of being open, it had a balance of {$130.00}. I've never had a negative balance, when I tried to get the reasons why the person on the phone told me to go to a branch, I did and received an answer that PNC reserves the right to terminate it's relationship at any time. 

I'm looking for a specific reason as to why my account was closed and requesting my account be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I received an offer in the mail from American Express stating that if I was approved for this credit card,, I would receive a {$200.00} statement credit and XXXX XXXX XXXX points. I applied and was accepted. At no point in their communication this they state that I might or would not get the bonus offer. If they had told me I would not, I would not have applied or accepted the new card. They had multiple opportunities to relay this information, or to have never even sent me the offer in the first place. I mean, seriously, they knew whether I would or would not qualify for the rewards. If I qualified for the card, there is no reason to deny me the promotion. This is FRAUD! It should not be allowed. I thought American Express was a good company as I have had their card for 35 years. But they are just scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
To whom it may concern my personal sensitive information was exposed in the XXXX  data breach and have since then caused my information to land in the wrong hands and opened accounts fraudulently in my name with my information. I am afforded rights under the FCRA including 1681b,1681c and 1681i which protect my rights to privacy, accuracy and limited use of my consumer report. As a result I am requesting a full investigation into whether my credit report includes fraudulent, unauthorized and or inaccurate entries from this data breach. 

The following accounts have been unauthorized XXXX XXXX XXXX Account number XXXX {$370.00} XXXX XXXX XXXX Account number XXXX {$880.00} XXXXXXXX XXXX XXXX Account number XXXX {$1200.00} XXXXXXXX XXXX XXXX Account number XXXX {$2700.00} XXXX XXXX XXXX XXXX Account number XXXX {$2000.00} XXXX XXXX XXXX Account number XXXX {$290.00}

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 2025-07-26 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I bought a bag thru XXXX which said authentic XXXX XXXX bumbag. The date of transaction was XX/XX/XXXX. The total amount is {$2000.00}. I split the charge and used two credit cards. I charged {$1000.00} thru my XXXX XXXX credit card and {$1000.00} thru my Apple card ( Goldman Sachs ). I received the bag XXXX XXXX and immediately have it authenticated thru Real authenticators. It was found that the bag is a counterfeit. I have it evaluated twice with same findings. I immediately contacted the seller and he accepted my request for return. I returned and mailed the bag on XX/XX/XXXX. It was taking a while for the seller to refund me the money so I disputed the XXXX  to both XXXX XXXX and Apple Card on XX/XX/XXXX. XXXX XXXX finalized my dispute on my favor and credited me back {$1000.00} on my account. Until now, the other {$1000.00} thru Apple card ( Goldman Sachs ) is still in dispute. On XX/XX/XXXX, I contacted XXXX. I talked to their customer service and he looked thru my XXXX account. Per XXXX, the refund should have been issued to me since they accepted my dispute and completed the return process. They said there is no way they have my money and they did not refuse the refund. He told me I need to communicate with my credit card companies and not thru them. I am attaching the details of my order in XXXX. I am also attaching the USPS details that I returned the item and the proof that it was a counterfeit item. I do not have the item I shipped it back. I disputed the transaction with Apple card ( Goldman Sachs ) 5 times and it always comes back as denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: DE

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of a fraud dispute on my account. I have been a Wells Fargo customer for over 22 years, but this experience has left me feeling unprotected and disregarded.

Recently, unauthorized purchases were made using my debit card information. These charges were placed through XXXX for {$170.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I did not authorize these transactions and filed a formal dispute with Wells Fargo within a few days of finding them through online banking activity. Case number XXXX. 

Wells Fargo denied my claim and would not return the funds. Instead, they suggested I contact the merchant directly with the provided order numbers to see if they will refund me. I contacted XXXX directly and was informed that the order numbers associated with the transactions do not exist in their system, meaning they were unable to provide further assistance. They also confirmed that the transaction amounts were not attached to my XXXX account. I communicated this to Wells Fargo as part of my dispute. 

Despite clear evidence of fraudincluding the use of my card number and home address Wells Fargo denied my claim. I believe the bank failed to conduct a full investigation, as one key piece of information that could have helped verify my claim was never examined : the email address associated with the fraudulent XXXX orders. If this had been reviewed, it would have shown that my personal email was not used and further supported that I did not make these purchases. Emails can also be used to trace back to the individual responsible for the transactions. 

The case has been closed by Wells Fargo, but I strongly disagree with the outcome and believe my financial institution failed to act in good faith to protect my funds. 

As a result, both I and my husband are in the process of closing our accounts with Wells Fargo and transferring our funds to another institution. I am filing this complaint in the hope that Wells Fargo will be held accountable for properly investigating fraud claims and protecting its customers.

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 monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO Experian, Equifax, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit a collection account opened at XXXX XXXX on XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XXXX under the account number XXXX ; a credit card account opened at XXXX XXXX on XXXX under the account number XXXX ; a credit card account opened at XXXX on XXXX under the account number XXXX * * ; and a personal loan account opened at XXXX XXXX on XXXX under the account number XXXX * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-26 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: CA

Complaint narrative:
I am reporting fraudulent inquiry found in my credit report.XXXX XXXX XXXX XXXX XXXXPlease remove.Thank 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 2025-07-26 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: IL

Complaint narrative:
Date Company Address Request Originator XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i got these 2 on my credit reprt and i have no idea what there for or what they regard if equifax can telll there for i apppreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CO

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 2025-07-26 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: PA

Complaint narrative:
I am writing to formally state that Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically its duties under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations and forward all relevant information provided by the consumer to the furnisher of disputed information. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing systemic violations of federal consumer financial protection laws. According to the CFPB, Experian has engaged in practices that include, but are not limited to, neglecting to properly consider consumer-submitted evidence and failing to implement adequate procedures to ensure the accuracy and fairness of credit reporting. 

This pattern of misconduct reflects a broader disregard for regulatory compliance and consumer rights. I request that this issue be escalated and resolved in accordance with all applicable provisions of the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-07-26 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: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-26 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: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief