vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened - XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The ATM inside the Target at XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX took my cash deposit. This occurred XXXX XXXX. Several XXXX XXXX  were deposited. My card was returned and it printed a receipt which I have that says " Your cash has been retained. Please contact your financial institution for assistance '' which is Capital One. I submitted a claim and was denied. I find this lack of due diligence unacceptable because there was video surveillance that showed me go get a employee to look at the ATM. That machine will have showed a net positive balance very easily verifying my story. The " XXXX '' code shown on the receipt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: MD

Complaint narrative:
I received two letters for a credit card debt i never had Last letter received on this month stating I owe {$1100.00} for a XXXX XXXX XXXX Credit card. I called XXXX Credit card. They stated that I've never had any type of Card with them. I called XXXX. They stated that XXXX had a XXXX card in XXXX but it was paid off and closed long time ago. 

The lawyer 's office name is XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX. I called last month but they are asking for my date of birth and social security number which I hesitate to give out.

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 2025-05-14 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:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding late payments on my TransUnion credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the late payments associated with the following accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting late payments despite reflecting zero-dollar past due balances, which is misleading and potentially harmful to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), TransUnion is required to ensure that all reported information is accurate and complete. Failing to update these accounts to reflect the current, accurate status not only violates my rights as a consumer but also exposes me to unnecessary financial harm, including reduced credit access, higher interest rates, and damaged financial reputation. This situation raises significant concerns about the integrity of TransUnions data verification processes, potentially indicating a broader issue with the accuracy and reliability of their reporting systems.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My checking account was closed after a fraud claim was processed. I was not guilty and it was determined by investigation that I was not guilty. Fifth and third bank closed my account after returning my funds. They said I was high risk and could never open another account at fifth and third bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I recently submitted documents to EQUIFAX in the hopes of getting my credit restored to what it once was, due to my being a Victim of identity Fraud. Anyhow, I sent in 2 proofs verification, 2 Proofs of address. Copy of my License. Copy of my social. INCLUDING ; A POLICE REPORT. 
I called EQUIFAX this morning to inquire about any updates, ONLY, to find out that, EVERYTHING that was sent in, had been BLACKED OUT. HOW DOES THAT HAPPEN? I DID NOT SEND IN NO BLANK/BLACKED OUT SHEET OF PAPER IN. THAT IS CRAZY! 
I WOULD LIKE TI HAVE THIS MATTER INVESTIGATED. IT ISNT FAIR TO TAKE MY PERSONAL INFORMATION, AND, PLAY GAMES WITH THEM. AND, USE THEM IMPROPERLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
PHH Mortgage Services refuses to acknowledge me as the legal deed holder of the property located at XXXX XXXX XXXX XXXX, XXXX Arizona, as recored in the XXXX XXXX XXXX, despite providing a valid recorded beneficiary deed and valid recorded death certificate pursuant to Arizona Revised Statutes XXXX.. 
No matter how many times I provide documentation of public records verifying me as owner, PHH continues to demand probate, which is not required, under Arizona XXXX. 
As a result PHH is preventing me from exercising my rights as the legal owner.

( A.R.S. 33-405 ( A ) ( E ) .reads : " ( A ) A deed that conveys interest in real property, to a grantee beneficiary designated by the owner and expressly states that the deed is effective on the death of the owner transfers the interest to the designated grantee beneficiary effective on the the death of the owner subject to all conveyances, assignments, contracts, mortgages, deeds of trust, liens, security pledges, and other encumbrances made by the owner or to which the owner was subject during the owner 's lifetime.

( E ) A beneficiary deed is valid only if the deed is executed and recorded as provided by law in the office of XXXX XXXX recorder in which the property is located before the death of the owner or the last surviving owner. A beneficiary deed XXXX be used to transfer an interest in real property to the trustee of a trust even if the trust is revocable '' The beneficiary deed was recorded XXXX years before the owners death in the XXXX XXXX Arizona Recorders office where the property is located. The recording number is XXXX. 
It reads : " I XXXX XXXX XXXX, an unmarried man ( Owner ) hereby convey to XXXX XXXX XXXX, an unmarried woman ( grantee beneficiary ) effective on my death, the following described real property at XXXX XXXX XXXX XXXX, XXXX Arizona XXXX, situated in XXXX XXXX Arizona. ... Pursuant to ARS 33-405 ( A ) ( J ) ( K ), subject to all conveyances, assignments, contracts, mortgages, deeds of trusts, liens, security pledges, and other encumbrances made by the owner or to which the owner was subject to during the owner 's lifetime. '' The death certificate was recorded in the XXXX XXXX Arizona recorders office where the property is located. The recording number is XXXX. 

Effective on the recording of the death certificate, the XXXX XXXX XXXX 's office recorded XXXX XXXX as owner of record at the property located at XXXX XXXX XXXX XXXX, XXXX Arizona XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXXXXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXXXXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. - Please remove. 
XXXX XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. - Please remove.

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 2025-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-14 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
on XXXX XXXX i began getting calls from scammers pretending to be Wells Fargo XXXX XXXX They said my card had been compromised and they needed to cancel my card and send me a new one. I agreed to that. The next day i checked my account and there were about XXXX unauthorized transaction attempts made on my card. Only two went thru bc of my daily limit. This amount totaled XXXX bucks. XXXX transaction was was XXXX XXXX for XXXX the other from some place in PA called XXXX XXXX. ( I am in XXXX NC ) I called Wells Fargo about it and that was when i found out my account was compromised, and the call i received the day before was a scammer whose goal was to make me think my card had been cancelled so that i would keep it active. I submitted both transactions as fraudulent. I thought that would be the end of it. 
The next day i check my bank account to see if the claim had been started on. That was when i saw a XXXX withdrawal from my savings account done on XX/XX/XXXX at around XXXX am at a branch in XXXX off XXXX XXXX. I have never once been in that bank. So i called the bank back and had to file a separate claim for that. 
They have since given me a provisional credit for the checking account transactions. 
But i received a letter from them claiming that they would not give me my money back for the savings bc they feel it was me or someone i know. It was neither. My employer can verfify i was at work during this time. So i have filed a police report for the XXXX bucks and am now filing a complaint w you guys because Wells Fargo doesn't seem to want to believe me about the saving account, even though they have verified that my account has been compromised. I went into the Wells Fargo branch up the street from my house and showed them all the texts and calls i was getting from people claiming to be them and the bank manager confirmed those were not from them and were in fact scammers. 
So i need Wells Fargo to refund those savings acct funds ( XXXX ) to me bc it is obvious i have been the victim of fraud, as the checking acct transactions were from out of state ( PA ) and i never went into the bank to make a withdrawal at XXXX am on XX/XX/XXXX bc i was at work at the time and this can be verified by my employer and supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
since XXXX  Sallie Mae Navient made numerous errors applying my payments There are multiple errors regarding application to principal and balance There are several late fees charged when I did send correct payments on time Numerous times I have sent them letters with copies of the account showing them the errors and they have not corrected their misapplications Multiple times I have sent them a letter requesting verification of my balance so I can finish the true balance ( or perhaps confirm that I have already paid in full ) My most important concern right now is that soon there will be a threat that Navient ( now XXXX ) will garnish money from my bank and social security, etc. without responding to my numerous requests ( demands ) to prove they have correctly deposited all my payments and correctly applied toward principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. 
The fraudulent accounts include : XXXX XXXX XXXX Auto LoanXXXX opened in XXXX XXXX- collection- opened in XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquiried on XXXX XXXX, XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX These items were added to my credit report without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: WI

Complaint narrative:
I've been receiving calls and letters claiming that I owe a little bit over {$12000.00} in medical bills. They have recently started sending emails

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation