vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
To begin, On XX/XX/XXXX a " XXXX  '' CREDIT CARD was opened reported balance is {$20.00}. The account was closed as of XX/XX/XXXX. To continue, On XX/XX/XXXX an " XXXX XXXX '' CREDIT CARD was opened with a reported balance of {$0.00}. This account was closed on XX/XX/XXXX. To continue, a collections account that i have previously filed " THE BUREAUS '' was opened XX/XX/XXXX reporting {$550.00}. I have previously got this disputed but it got back on my report which is unlawful. Once an account is removed it cant reappear especially if it is fraudulent. But to continue, On XX/XX/XXXX a " XXXX ' loan account was opened reporting {$0.00} as of today. The account 's highest balance is {$500.00}. This account was closed on XX/XX/XXXX. To top this all off, On XX/XX/XXXX a " XXXX XXXX A '' account was opened and added to my credit report with a open balance of {$9000.00}. I have no knowledge on how the account was opened, where it came from, or who opened it. Therefore i am requesting an investigation for these accounts so i can have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To begin, On XX/XX/XXXX a " XXXX  '' CREDIT CARD was opened reported balance is {$20.00}. The account was closed as of XX/XX/XXXX. To continue, On XX/XX/XXXX an " XXXX XXXX '' CREDIT CARD was opened with a reported balance of {$0.00}. This account was closed on XX/XX/XXXX. To continue, a collections account that i have previously filed " THE BUREAUS '' was opened XX/XX/XXXX reporting {$550.00}. I have previously got this disputed but it got back on my report which is unlawful. Once an account is removed it cant reappear especially if it is fraudulent. But to continue, On XX/XX/XXXX a " XXXX ' loan account was opened reporting {$0.00} as of today. The account 's highest balance is {$500.00}. This account was closed on XX/XX/XXXX. To top this all off, On XX/XX/XXXX a " XXXX XXXX A '' account was opened and added to my credit report with a open balance of {$9000.00}. I have no knowledge on how the account was opened, where it came from, or who opened it. Therefore i am requesting an investigation for these accounts so i can have them removed 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 non-monetary relief
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
To begin, On XX/XX/XXXX a " XXXX  '' CREDIT CARD was opened reported balance is {$20.00}. The account was closed as of XX/XX/XXXX. To continue, On XX/XX/XXXX an " XXXX XXXX '' CREDIT CARD was opened with a reported balance of {$0.00}. This account was closed on XX/XX/XXXX. To continue, a collections account that i have previously filed " THE BUREAUS '' was opened XX/XX/XXXX reporting {$550.00}. I have previously got this disputed but it got back on my report which is unlawful. Once an account is removed it cant reappear especially if it is fraudulent. But to continue, On XX/XX/XXXX a " XXXX ' loan account was opened reporting {$0.00} as of today. The account 's highest balance is {$500.00}. This account was closed on XX/XX/XXXX. To top this all off, On XX/XX/XXXX a " XXXX XXXX A '' account was opened and added to my credit report with a open balance of {$9000.00}. I have no knowledge on how the account was opened, where it came from, or who opened it. Therefore i am requesting an investigation for these accounts so i can have them removed 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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase through PayPal for a XXXX XXXX  with wheels. The seller sent me a XXXX XXXX  with an ice maker and no wheels, which is a completely different product. The PayPal invoice clearly describes the item I intended to buy. 

I opened a dispute with PayPal and submitted clear evidence including photos and invoice screenshots. Multiple PayPal representatives told me the case was being escalated and that I did not need to provide a return tracking number, since the cost to return the item to XXXX was over $ XXXX the total cost of the item itself ( {$300.00} ). 

Despite this, PayPal closed the case against me because I didnt enter a return tracking number, even though I was repeatedly told not to worry. When I called again to object, I was told a supervisor would call me back. That never happened. 
I am now stuck with a product I did not order and no refund. This feels like a violation of PayPals buyer protection policy, and I am asking for this to be investigated and corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
I have already complained about my student loan servicer Aidvantage in XXXX. I was supposed to have been placed in a XXXX interest forbearance at that time, and since then I have been making payments but my balance owed has actually gone up. Attempts to ascertain the reason for this have been fruitless, including inexplicably being disconnected from chat due to " being idle for too long '' although I was not idle. I just want to know that my payments are being received and are applied to the balance owed in a fair manner and it is extraordinarily difficult to figure this out compared to any other financial institution I have worked with. The previous complaint resolution mentioned that payments made during forbearance will count toward future payments, does this mean my account balance remains unchanged even as I make payments? Do I have the option to apply these payments directly to principle? Why has my balance owed increased?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 recently reviewed a copy of my credit report and have discovered that I have been a victim of identity theft. I do not recognize this account. It is affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX Account/Order/Tracking number : XXXX Amount : {$1000.00}

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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I filed a complaint with the CFPB against Goldman Sachs Apple Card on XX/XX/XXXX relating to a credit card dispute that was not being properly reviewed ( Complaint XXXX ). 

Per the response below, Goldman Sachs performed an investigation and reported to the CFPB that they would be resolving the dispute in my favor ( the Customer ). 

The banks response to this complaint is as follows : On XX/XX/XXXX, the Bank reopened the Customers dispute and conducted an investigation. Upon review of the Customers dispute and more information about the merchant, the Bank resolved the dispute in the favor of the Customer. As a result, the temporary credit was made permanent on XX/XX/XXXX. The Bank sent the Customer an email detailing the dispute outcome. Based on the above details, the Bank kindly requests for this complaint to be closed. 

The bank states an email was sent, however no email was received. Additionally, on XX/XX/XXXX, two days after the feedback window closed, the bank ignored the CFPB ruling and once again resolved this dispute in favor of the merchant. I have reopened the dispute and seek resolution per the original response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I submitted a formal dispute to TransUnion regarding a tradeline from XXXX XXXX XXXX XXXX that appears on my credit report without a valid, legible contract or verified authorization. I specifically requested a clear and original copy of the agreement allegedly signed in XX/XX/year>, which TransUnion is reporting as the basis for the account. XXXX failed to provide a legible version of the contract, and the version submitted is unreadable with no visible terms or disclosures. 

Despite ongoing arbitration proceedings against XXXX, and formal complaints filed with CFPB and XXXX, TransUnion has not resolved the matter nor removed the account. This continued reporting of unverifiable information, after a proper request for documentation under FCRA XXXX ( a ), violates my consumer rights and has caused credit denial and hardship. 

This pattern reflects willful noncompliance with the Fair Credit Reporting Act and suggests possible deceptive practices under Section XXXX of the FTC XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a formal dispute to XXXX regarding a tradeline from XXXX XXXX XXXX XXXX that appears on my credit report without a valid, legible contract or verified authorization. I specifically requested a clear and original copy of the agreement allegedly signed in XX/XX/2022, which XXXX is reporting as the basis for the account. XXXX failed to provide a legible version of the contract, and the version submitted is unreadable with no visible terms or disclosures. 

Despite ongoing arbitration proceedings against XXXX, and formal complaints filed with CFPB and XXXX, XXXX has not resolved the matter nor removed the account. This continued reporting of unverifiable information, after a proper request for documentation under FCRA XXXX ( a ), violates my consumer rights and has caused credit denial and hardship. 

This pattern reflects willful noncompliance with the Fair Credit Reporting Act and suggests possible deceptive practices under Section XXXX of the FTC XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
This is a formal demand under the Fair Credit Reporting act ( FCRA ) that Transunion immediately remove the inaccurate late payments entries being reported on my XXXX  XXXX credit card account. You are in direct violation of FCRA 25 USC 1666b which protects consumers from being reported late. 
XXXX XXXX. Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I made a payment on a credit card account with my debit card. The account was in collections and the agent on a recorded line lied to me and said that my account was still open and by making the payment I made would bring my account current and restore my privileges for using my account. I spoke with a supervisor at the credit card bank and they apologized and said they would investigate and said they would process a refund based on the situation. They advised that the payment would come in the form of a check and Id have to wait up to XXXX to XXXX  days. They advised I could dispute the transaction with my bank Wells Fargo and it would be refunded faster. So I did that. Wells Fargo started the research and issued a temp credit and today they reversed the credit so that tells me they didnt do their job in their fraud and research department. Because if Wells Fargo would have done their job then they would have gotten the needed information and never reversed the temp credit to my checking account. This is the second experience in the lifetime of my account that Wells Fargo started an investigation and did not do their job correctly and reversed and or picked and chose what they felt was the right amount to reverse. My first time was with an XXXX refund issue and I have all the proof to back up my claims saved in pdf format. Im sick of Wells Fargo hiring and keeping employees that wont or dont do their jobs. This is absolutely disgusting that they will let employees half perform job duties which from an HR department standard is called work avoidance. My next step will be to use my small business platform to seek out and find every customer of WellsFargo that has had a similar experience and to file both CFPB AND XXXX complaints so that a full audit on the fraud department will occur and that employees will be fired. I have over XXXX  years of banking experience and Im sick of the consumer abuse occurring by major corporations especially financial institutions. 
I expect the bank to reach out to the other bank and obtain the transcripts for both phone calls the one with the agent that lied to me to get me to make a payment and the one with the supervisor that advised me they would perform a refund that would take an extended waiting period to receive or for me to dispute with WellsFargo to get my funds back. The timing alone should show there was a major problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief