vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo seems to have a glitch in their system. Every time an automated payment or fee hits my account, it shows as pending. I cover the amount right away, but when the system resets the next day, the charge appears

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
My Complaints Are As Follows : 1. The collection agency has not provided proper validation of this debt as required under 15 U.S.C. 1692g ( FDCPA ).

2. The debt may have been improperly reported under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as I have not been provided with itemized charges or proof of assignment of debt.

3. If any medical information beyond the minimum necessary was shared with the collection agency, this would constitute a HIPAA violation ( 45 CFR 164.502 ( b ) ).

4. The collection agency is not licensed to collect debt in my state, which makes this collection activity illegal.

Requested Action : I demand immediate deletion of this medical collection from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX  due to lack of proper validation and potential HIPAA/FCRA/FDCPA violations.

Provide documentation proving that your agency has a legal right to collect this debt, including : A copy of the original agreement bearing my signature Proof of assignment or transfer of the debt A complete itemized bill If you can not validate this debt within 10 days, you are required under federal law to remove this debt from my credit report immediately. 

Failure to comply will result in further legal action, including filing complaints with my State Attorney General, the Federal Trade Commission, and pursuing civil remedies under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX created fraudulent report to check systems relating to account abuse this account was never abused. Infiltration union the XXXX XXXX XXXX XXXX credit card also reflected a balance of XXXX on XX/XX/XXXXXXXX  and was illegally reopened on the current month of XX/XX/XXXX. These are all illegal acts and predatory acts that violate my credit consumer rights Chexsystems XXXX XXXX XXXX  violated specific provisions of the FCRA or other consumer protection laws : Reporting inaccurate or incomplete information : If your ChexSystems report contains errors that are not promptly corrected after a dispute, it may be considered a violation of your rights under the FCRA. 
Failure to reasonably investigate disputes : ChexSystems and the financial institution that provided the information are required to conduct a reasonable investigation into any disputed information within a specified timeframe ( typically 30 days ). If they fail to do so, it could be a violation. 
Failure to block identity theft-related information : Under FCRA 605B, ChexSystems must block information resulting from identity theft within 4 business days of receiving appropriate documentation. Failure to do so could be a violation Systemic issues leading to unfair or unequal outcomes : Some reports suggest that the system 's design and implementation may lead to unfair and unequal outcomes, potentially with a disproportionate impact on certain demographics, such as Black consumers. This raises concerns about potential violations of fair lending and anti-discrimination laws. 
Conspiracy with bank to violate consumer laws : There have been class action lawsuits alleging that ChexSystems conspires with banks to violate consumer laws by reporting vague, ambiguous, or inaccurate information, even when there's a legitimate dispute. 
Consequences of FCRA Violations : Actual damages : Damages incurred by the consumer. 
Statutory damages : Between {$100.00} and {$1000.00} per violation. 
Punitive damages : In cases of willful non-compliance or malicious conduct. 
Attorney 's fees and costs : If a consumer successfully sues under 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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: KY

Complaint narrative:
On XX/XX/, my federal student loan servicer was transferred from XXXX to Central Research , inc. On XX/XX/, I was informed of the transfer by email. The email contained general information. However, I was not informed that my loan were to put into an administrative forbearance and would still accrue interest. Which means I would pay more interest without be told or given any choice. Same day I reached to support to ask if the loans would still accrue and was told yes. I was told that I could make manual payments during the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention that I submitted a dispute regarding certain accounts on XX/XX/XXXX, via certified mail. According to the Fair Credit Reporting Act, the credit bureau is required to investigate disputes and respond within XXXX to XXXX days. 

However, I recently contacted your office and was informed that there is no record of my initial dispute. I have attached the USPS tracking confirmation, which verifies that my dispute was delivered to Transunion XXXX XXXX XXXX XXXX, XXXX PA XXXX. Also i am sending where Transunion agent XXXX XXXX stamped confirming he recieved my letter. 

Due to the lack of response and the failure to investigate the disputed accounts within the mandated timeframe, I request that these accounts be removed from my credit report immediately. This action is in accordance with the Fair Credit Reporting Act, which stipulates that any unverified or uninvestigated information must be deleted. 

Please confirm in writing that these accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Money was taken from a personal deposit without authorization\n I deposited cash onto my Chime card, and funds were taken from that deposit to pay a previous balance without notice or my consent. One agent told me the terms were " recently updated, '' but the supervisor said the terms " were already in place '' when I agreed to be paid. 
Neither could show where in the terms it states that personal cash deposits can be taken, and no one could provide evidence I was notified of the policy change. 
This caused me financial hardship, and I was told no reversal was possible due to " system limits. '' I believe this violates disclosure requirements under the Electronic Fund Transfer Act ( EFTA ) and want a full investigation into this action. 
I am requesting the immediate return of my funds or written justification supported by actual dated notice and agreement. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I am disputing inaccurate information being reported by XXXX on my credit report. The account was closed in good standing and fully paid, yet late payments are still being reported after the account closure date. This misrepresents the status of the account and is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and complete information.

I previously disputed this with [ insert credit bureau name ] and provided supporting documentation, but the incorrect reporting was not corrected. 

I am requesting that the CFPB require XXXX and the credit bureau ( s ) to investigate and remove any post-closure late payments 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 explanation
Consumer complaint received 2025-07-31 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
No actions or verification of accounts. These accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
No actions or verification of accounts. These accounts need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express entered 2 accounts on all three Credit Bureaus, and they do not belong to me. I never had an American Express account nor applied for XXXX. The amounts shown on all my reports are XXXX and XXXX. Unauthorize accounts .. American Express also stated that the account was reported on XX/XX/year>. Look on the attachment ... I wasn't born then ... FRAUD ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX 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 2025-07-30 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : Creditor Name : XXXX - XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : Creditor Name : XXXX - XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

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 2025-07-31 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial standing and overall well-being.

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 2025-07-30 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: GA

Complaint narrative:
I have disputed a debt listed by TransUnion multiple times through TransUnion directly, the FTC, and the CFPB, yet they continue to verify the account without providing adequate validation. I am requesting full validation of this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including the original signed agreement, itemized account history, and proof that the collector has the legal right to report and collect the debt. I have also submitted a prior FTC Identity Theft report regarding this issue. 

Under the FCRA, if a furnisher of information ( including credit bureaus ) can not fully verify the accuracy of the disputed account, they are obligated to delete or correct it. 

As this is my fifth attempt and no proper documentation has been produced, I am requesting the immediate deletion of this unverifiable account from my credit report. Failure to provide legal validation or investigate thoroughly is a violation of the FCRA. 

I previously disputed an account with XXXXXXXX XXXX XXXX XXXX regarding. After my disputes, this account was deleted from both XXXX XXXX XXXX, yet it is still being reported on TransUnion. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be accurate, verifiable, and consistent. If XXXX chose to remove this account from two major credit bureaus, they should not be continuing to report it to a third. This ongoing reporting is inconsistent, misleading, and damaging to my credit.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: VA

Complaint narrative:
The company Sallie Mae has been threatening to contact my friends and family members and place of employment if I don't pay a debt that I don't owe them. They call me late at night, on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief