vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
Subject : XXXX Duplicate/Incorrect Student Loan Reporting Body : I am disputing the reporting of my XXXX student loan account [ acct # XXXX ], which is being inaccurately reported to TransUnion and XXXX. Transfers and servicer changes have caused duplicate and conflicting entries, in violation of FCRA 607 ( b ) which requires maximum accuracy of information.

I also hold a Form 1099-C from the IRS listing XXXX as the debtor, which means this debt has been legally canceled. Under 26 U.S. Code 6050P and IRS Publication 4681, once a 1099-C is filed, the debt is discharged and may not be collected or reported as outstanding. Despite this, XXXX continues to report a balance of {$13000.00}, which is inaccurate and misleading. 

Under FCRA 611 ( a ), I request verification of this account with the original signed promissory note, full payment history, and accurate status coding. If unverifiable or duplicative, it must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). Continued reporting also constitutes unauthorized disclosure of my protected educational and financial aid data under FERPA ( 20 U.S.C. 1232g ( b ) ( 1 ) ). 

Harm : This false reporting has lowered my credit score and harmed my financial standing, making it more difficult to access credit and opportunities.

Relief Requested : Immediate deletion of duplicate or unverifiable XXXX accounts. 

Adjustment of my XXXX balance to {$0.00} per the 1099-C cancellation.

Correction and restoration of my credit score. 

Written confirmation from XXXX, TransUnion, and XXXX that the account has been corrected and will not be reinstated. 

Sincerely, 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 2025-09-18 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:
Subject : XXXX Duplicate/Incorrect Student Loan Reporting Body : I am disputing the reporting of my XXXX student loan account [ acct # XXXX ], which is being inaccurately reported to XXXX and XXXX Transfers and servicer changes have caused duplicate and conflicting entries, in violation of FCRA 607 ( b ) which requires maximum accuracy of information.

I also hold a Form 1099-C from the IRS listing XXXX as the debtor, which means this debt has been legally canceled. Under 26 U.S. Code 6050P and IRS Publication 4681, once a 1099-C is filed, the debt is discharged and may not be collected or reported as outstanding. Despite this, XXXX continues to report a balance of {$13000.00}, which is inaccurate and misleading. 

Under FCRA 611 ( a ), I request verification of this account with the original signed promissory note, full payment history, and accurate status coding. If unverifiable or duplicative, it must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). Continued reporting also constitutes unauthorized disclosure of my protected educational and financial aid data under FERPA ( 20 U.S.C. 1232g ( b ) ( 1 ) ).

Harm : This false reporting has lowered my credit score and harmed my financial standing, making it more difficult to access credit and opportunities. 

Relief Requested : Immediate deletion of duplicate or unverifiable XXXX accounts. 

Adjustment of my XXXX balance to {$0.00} per the 1099-C cancellation. 

Correction and restoration of my credit score. 

Written confirmation from XXXX, XXXX XXXX XXXX that the account has been corrected and will not be reinstated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On [ XX/XX/XXXX ], Wells Fargo withdrew $ [ XXXX ] from my personal checking account without my authorization. They applied it toward a business credit card I also hold with them. 
I have never enrolled in autopay or linked these accounts, personal to business. 
The withdrawal was not transparently disclosed to me in advance. 
It caused significant hardship by depleting funds I had reserved for essential personal expenses starting to plan for repayment of debt and for marketing my business. 
Personal circumstances I am a long-time Wells Fargo customer who has consistently paid this business credit card since XXXX. I am currently recovering from XXXX, XXXX, and XXXX for XX/XX/XXXX. I am working hard to rebuild my business after treatment. The funds Wells Fargo took were earmarked to support marketing my relaunch and to gradually get back on track with creditors. Their action disrupted these plans and jeopardized my ability to maintain stability while recovering from a major health crisis. 
At this time, Im struggling to maintain my essentials covered. I would really appreciate your assistance in recovering my funds and any assistance with the remaining personal credit card I have with Wells Fargo, to ensure the set off doesn't happen again. I have stopped most transactions with my Wells Fargo accounts not knowing when they may decide to take my cash. Considering all the stress of trying to rebuild my business and getting back on track now I cant even use the bank accounts Ive had for the past 20+ years.

Why this is a problem Even though Wells Fargo is the original creditor, I believe taking funds without notice or consent may constitute an unfair or abusive practice under the Consumer Financial Protection Act. This action undermined my ability to manage my finances transparently and in good faith. My goal is to get back on track with my finances. Having them take the funds I was going to use to start payment plans and use to get my business back on track is something Im not sure how I will recover from.

Steps I have taken I sent a formal dispute letter to Wells Fargo ( attached ). 
Wells Fargo responded ( attached ) but has not yet resolved the issue or refunded my money. I did not contact legal, Wells Fargo passing along the blame is ridiculous.

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 2025-09-18 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear CFPB, I am writing to follow up on a complaint I initially submitted on XX/XX/year> with Wells Fargo, under reference number XXXX for approximately {$20000.00}. The response I received was not satisfactory, prompting me to submit additional complaints on XX/XX/year>. Unfortunately, I have yet to receive an adequate or legally compliant response to any of these follow-ups. 

Below are the reference numbers for the complaints submitted on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request a thorough and appropriate resolution to these matters. Wells Fargo considers this matter closed however the actions taken by Wells Fargo has been considered illegal and is illegal. Wells Fargo should be held accountable for their wrongdoings over the years. They have literally destroyed the financial future of millions of families yet they continue to deny wrongdoing though there is significant proof. 

Please advise on the next steps or provide a point of contact who can assist in resolving these issues. 

Thank you for your attention to this matter. 

Best Regards, 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 2025-09-18 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: GA

Complaint narrative:
The documents are inconsistent : The payment ledger has XXXX XXXX as the borrower but the social security number has been blacken out on the payment history page. The master promissory note signature is typed as XXXX XXXX XXXX. The note has a date of XX/XX/XXXX contrary to the date of XX/XX/XXXX. 

The school listed as XXXX XXXX XXXX XXXX, which I never attended. I have the documents from the school president showing that I never attended. 

The documents were sent to me by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
The documents are inconsistent : The payment ledger has XXXX XXXX as the borrower but the social security number has been blacken out on the payment history page. The master promissory note signature is typed as XXXX XXXX XXXX. The note has a date of XX/XX/XXXX contrary to the date of XX/XX/XXXX. 

The school listed as XXXX XXXX XXXX XXXX, which I never attended. I have the documents from the school president showing that I never attended. 

The documents were sent to me by 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 2025-09-18 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: TX

Complaint narrative:
I can not understand why the inaccurate accounts are still appearing on my credit reports and why they were never taken off. I urgently ask that my attached documents be reviewed in full detail, so I can be free from this exhausting cycle of XXXX  and concern.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was with XXXX XXXX and I switch to XXXX after I paid for the month. They sent me to collection and said I owned them. I told them no and said they need proof that I had insurance. I sent them proof and they send me a balance cause I did not used the whole month. 
They reported it to credit karma and dropped my score to XXXX points. I disputed it and removed the debt. Now I see they sent it to Experian and dropped my score there too. I don't owned them. This is fraud. They charged me for XXXX when I have insurance with progressive on XX/XX/XXXX. 2024. I put some proof there. My last payment to them was XX/XX/XXXX {$340.00} and I went with progressive on XX/XX/XXXX. They owned me money. 

Re : Request for Validation and Deletion of Reported Collection Account * * Account Number : XXXX To Whom It May Concern, This letter is being sent pursuant to my rights under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e * *, and the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 A collection account in the amount of {$540.00} has been reported on my credit file under your name. I dispute this debt in its entirety and request that you provide proper validation. Until you do so, you must cease all collection activity and reporting to any credit bureau. 

Specifically, I request : XXXX. * * Validation of the debt * *, including : * The original creditors name, address, and account number * Itemized accounting of the alleged balance * Proof of your authorization to collect this debt * A copy of the original signed agreement creating this obligation XXXX. If you are unable to provide full validation within 30 days, you are required to : Delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) Cease all collection efforts immediately Please also be advised : reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. 1681s-2 ( a ). Continuing to report this account without proper validation constitutes willful noncompliance and may subject you to civil liability under 15 U.S.C. 1681n and 1692k.

I request all communications be made in writing. Telephone contact is not authorized.

If you can not validate this debt, you must immediately remove the account from my credit reports and confirm such action in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
I apologize I forget to provide you with the contact number for Chimes customer service XXXX ( XXXX ) XXXX this report was to follow a recent complaint with complaint number i needed to add in the customer service number CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/year>

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 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$29.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I am requesting that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I am a victim of XXXX XXXX. My credit report shows fraudulent accounts and inquiries that I did not authorize, including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX as well as inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX These negative items do not belong to me and are harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX 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 have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief