vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
b'I am writing to formally dispute certain items that are inaccurately reported on my credit file. I believe these entries are incorrect and may have been mistakenly attributed to my account. I kindly request that you investigate and remove these items from my credit report to ensure the accuracy of my information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXXiginal Creditor: XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX            \nUnder the Fair Credit Reporting Act (FCRA), specifically Section 1681i, I have the right to dispute any information that is inaccurate or unauthorized. The presence of these entries on my report, if they are incorrect, constitutes a violation of my rights 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the closure of my prior Wells Fargo accounts and the subsequent denial of my ability to open new deposit or credit accounts. I have been a victim of identity theft, and for the past seven ( 7 ) years I have worked diligently to clear fraudulent activity from my records. This has included filing FTC Identity Theft Reports, police reports, and retaining an attorney to represent me in these matters.

Since the identity theft occurred, I have changed both my residential address and phone number, and I request that my updated contact information be reflected in all Wells Fargo systems : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Phone Number : XXXX At present, my XXXX, XXXX, and XXXX XXXX XXXX files have all been cleared of negative items, and my consumer reports reflect no derogatory accounts or closures that would lawfully prevent me from opening a new account or credit line with your institution. 
Despite this, Wells Fargo continues to deny me access to banking services, which constitutes an unfair and unlawful restriction under several federal consumer protection statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 1681i and 1681s-2, I have the right to dispute and demand correction of inaccurate or fraudulent information furnished by or relied upon by financial institutions. Since my consumer reporting agencies no longer show negative data, Wells Fargo can not lawfully rely on obsolete or inaccurate information to deny me banking services.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 FACTA specifically protects identity theft victims and provides mechanisms for institutions to honor fraud alerts and corrected records. Continuing to deny me an account due to prior fraud directly violates these protections.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. This requires financial institutions to safeguard consumer information and take reasonable measures to protect victims of identity theft.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Discriminating against me by denying credit and deposit services for reasons unrelated to my present creditworthiness constitutes unlawful discrimination. 
Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB guidance makes clear that institutions can not indefinitely restrict consumers who have resolved prior fraudulent incidents.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX CARD - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-27 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: IN

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA s 605B ( 15 U.S.C. s 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries that are fraudulent as well that need to block and also I attached a copy of my FTC report as well. I request pursuant to FCRA s 605B ( 15 U.S.C. s 1681c-2 ), that the Equifax credit reporting agency block all of the accounts and hard inquiries identity in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remains on my credit report despite my repeated disputes and submission of legally sufficient documentation. This account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened fraudulently and is the result of identity theft. I provided TransUnion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, TransUnion failed to block the fraudulent information within four business days, as required by law. Furthermore, TransUnion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but TransUnion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade flagged my account as 30 days late, then 60 days late. My accounts have not been 60 days late ; I have multiple accounts with them, hence I believe they are flagging all of them as late when they are not. Please fix immediately, I am in the process of prequalifying for a home and this is significantly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I reviewed my credit report and noticed an inquiry that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I opened a CHIME account 2 years ago to receive a one time payment, The payment was never received. I was supposed to receive a debit card from Chime but I never did. 2 years later another person sent a payment to my CHIME account {$2700.00} I can not transfer those funds to my bank as the message say I my first activate my CHIME debit card. I do not have one and never received one. Despite trying, I could not speak withanyone from chime. I get messages to change my password and verify my account which I have done. I have put in written requests for a CHIME debit card to replace the non existent one, I have not received one. Their system is set up to delay such requests so they can hold your funds longer. I want a new debit card sent to my home address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App closed my account as gambling with no proof ; card & direct deposit blocked Unfair account closure and unsupported gambling allegation ; Investing account also closed Deactivated account without transaction-level reason ; boilerplate responses only XX/XX/year>, Cash App deactivated my Cash Card and said any future paychecks sent there would be returned. That same day, I received a notice that my Cash App Investing account was closed for a supposed agreement violation, with no specifics. On XX/XX/XXXX, I contacted Support ; they said my account violated the Terms of Service for gambling activity but would not identify any transaction. On XX/XX/XXXX, I sent a Reg E ( 1005.11 ) request asking Cash App to list every transaction they labeled gambling ( merchant, XXXX, amount, date ) and to release my {$370.00} while they reviewed ; I also requested a statement showing at least two details for each flagged item ( item number, amount, payment date ) and asked for a 7-day reply. On XX/XX/XXXX, Cash App emailed that my account will remain deactivated for TOS violations and provided only withdrawal stepsno transaction-level explanation. As a result, my card is off, direct deposit would be returned, and my Investing account is closed without clear reasons. Im seeking a specific, documented basis for the gambling label or restoration of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-08-27 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: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of all unauthorized accounts and inquiries from my credit file, with written confirmation once the corrections are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint against Discover Bank regarding a collection account that resulted from fraudulent charges made to my Discover credit card. While the account was still open, I reported the unauthorized charges to Discover and formally disputed them according to their procedures and my rights under the Fair Credit Billing Act ( FCBA ).

Despite notifying Discover in a timely manner and making them aware that the charges were fraudulent, they refused to take appropriate action to resolve the dispute. No adequate investigation was conducted, and I was held responsible for charges I did not authorize. 
Instead of removing the fraudulent charges, Discover allowed the account to become delinquent, which has now led to it being placed in collections. This collection account is being reported on my credit reports and has severely impacted my credit, despite the fact that the charges were never valid to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The companies have been calling by XXXX and call a lot of times and they also call after XXXX harassing me and calling for different numbers and there really rude and I would tell them to stop calling me I have XXXX XXXX XXXX and an irregular XXXX XXXX  and ever time it makes it go up..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inclusion of the following charge-off accounts and inquiry listed on my credit file. I believe these accounts and inquiry have been inaccurately reported, and I am requesting a thorough investigation into their validity. Below, I have outlined the charge-off accounts, and an inquiry I dispute and request be reviewed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or unverifiable. Specifically, I am requesting that the following provisions be applied to this dispute

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 2025-08-27 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 writing to formally dispute the inclusion of the following charge-off accounts and inquiry listed on my credit file. I believe these accounts and inquiry have been inaccurately reported, and I am requesting a thorough investigation into their validity. Below, I have outlined the charge-off accounts, and an inquiry I dispute and request be reviewed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or unverifiable. Specifically, I am requesting that the following provisions be applied to this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
Subject : Formal FCRA XXXX XXXX XXXX XXXX  Account I am disputing the reporting of the closed account XXXX XXXX XXXX. This account is listed as paid and closed, yet it continues to report late payments and derogatory information. 
Violations : FCRA s602 ( A ) Failure to ensure maximum possible accuracy.

FCRA s605 ( a ) ( 5 ) Closed and paid accounts can not continue reporting adverse marks.

FCRA s611 No proper reinvestigation has been conducted despite prior disputes.

FCRA s623 ( a ) ( 1 ) ( A ) Furnisher is prohibited from reporting inaccurate information.

This continued reporting of derogatory marks on a closed/paid account is illegal. I demand immediate deletion of this account from all bureaus. If not corrected, I will pursue legal remedies under FCRA s616 and s617.

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