vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-04 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: NC

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX / Account Number : XXXX XXXX  / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

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 2025-08-04 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
My checking account was hacked on XXXX XXXX. The hacker logged into my XXXX account at XXXX am, changed the account name to XXXX XXXX, attempted to make XXXX different transactions and attempted to change the XXXX password which I was able to intercept the password change. XXXX of the transactions were intercepted by Wells Fargo in which I received a text. The other XXXX transactions, each for {$200.00}, went through. I contacted Wells Fargo. They cancelled my card and filed the claim. I called the Wells Fargo claims department and I was told that the claims were rejected. I have documentation of all of the above events. I will supply any information needed to prove that these were fraudulent transactions. Please let me know what else I can supply to prove that I did not make these transactions nor did anyone I am acquainted with. Wells Fargo will not refund me nor will XXXX even though I have clear documentation proving that the charges were fraudulent.

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 2025-08-04 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: CA

Complaint narrative:
These accounts were not opened by me and I never gave consent for them. As they are fraudulent, I demand their removal under USC 1681g within the mandated 15-day period. Evidence is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a Request for Information letter to American Express dated XX/XX/year>, which was successfully sent via Fax on the same day. I received a response from American Express dated XX/XX/year>. In their letter, they stated that they are sending copies of available statements and noted the account as in dispute but no statements were provided. Attached are the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
My PayPal account was permanently limited on XX/XX/year> ( Reference ID : XXXX ). According to PayPals policy and User Agreement, funds should be held for a maximum of 180 days to cover potential disputes or chargebacks. 

It has now been over 9 months, and PayPal has confirmed that there are no outstanding disputes or chargebacks against my account. However, my remaining balance of {$1600.00} is still being withheld, and PayPal has not provided any legal justification or timeline for releasing my funds. 

I have contacted PayPal multiple times requesting clarification and the release of my funds, but the issue remains unresolved. I am requesting the CFPBs assistance in compelling PayPal to release my funds immediately or provide a formal written explanation for any continued hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
Ive identified a late payment entry that doesnt align with my history. Kindly address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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: NJ

Complaint narrative:
I am writing to dispute XXXX unauthorized and fraudulent accounts listed on my credit report under the same company. These accounts were not opened by me and are the result of identity theft. 

The following accounts appear under the same company and are not mine : Account # XXXX  Account # XXXX  Account # XXXX  Account # XXXX These accounts were opened without my authorization, and I am requesting their immediate investigation and removal from my credit file. I have never had a relationship with this company and have no knowledge of these accounts. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have enclosed copies of my government-issued ID and a recent utility bill for identity verification. If additional documentation is needed, I am willing to cooperate further, including filing a police report or identity theft affidavit. 

I request that the accounts be removed entirely and that I receive written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute XXXX unauthorized and fraudulent accounts listed on my credit report under the same company. These accounts were not opened by me and are the result of identity theft. 

The following accounts appear under the same company and are not mine : Account # XXXX  Account # XXXX  Account # XXXX  Account # XXXX These accounts were opened without my authorization, and I am requesting their immediate investigation and removal from my credit file. I have never had a relationship with this company and have no knowledge of these accounts. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have enclosed copies of my government-issued ID and a recent utility bill for identity verification. If additional documentation is needed, I am willing to cooperate further, including filing a police report or identity theft affidavit. 

I request that the accounts be removed entirely and that I receive written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : LEGAL NOTICE FCRA, METRO 2, TEXAS FINANCE CODE, TEXAS DTPA VIOLATIONS To Whom It May Concern, This letter is a formal legal notice regarding violations committed by Equifax in connection with an improper internal block placed on my credit file. 
On XX/XX/XXXX, I submitted my government-issued drivers license and a recent utility bill through the CFPB complaint portal. Despite Equifax receiving this documentation, you have failed to provide access to my file and are now improperly demanding a copy of my Social Security card without justification. 
This conduct violates the following : FCRA 609 ( a ) ( 1 ) Right to all information in my file and explanation of identity procedures. FCRA 610 ( a ) ( 1 ) Duty to explain the procedures blocking access to my file. FCRA 611 ( a ) ( 1 ) ( A ) Obligation to respond within 30 days of receiving a dispute or documentation. Metro 2 Format Requires acceptance of government-issued photo ID and address verification as sufficient for identity confirmation. Texas Finance Code 521.051 Duty to maintain reasonable procedures to avoid erroneous restrictions. Texas DTPA 17.46 ( b ) ( 24 ) Prohibits deceptive withholding of information intended to mislead the consumer. 
You have failed to provide a valid legal reason why the documentation submitted on XX/XX/XXXX was insufficient, nor have you issued a written explanation of what specific data is missing. 
DEMAND FOR ACTION : I hereby demand that Equifax : Immediately remove the internal block or restriction on my credit file. 
Provide a written explanation of why my previously submitted documentation was deemed insufficient. 
Cease any further demand for my Social Security card unless a legal basis is provided in writing. 
Failure to comply within 15 calendar days of receipt of this letter will result in formal complaints to the CFPB, the Texas Attorney General, and may lead to legal action under the FCRA and Texas DTPA for obstruction and damages. 
Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX Phone/Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed for bankruptcy in 2021 XXXX XXXX sold my account and is still showing on my reports after 9 years which violates the FCRA law

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 2025-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} INQUIRIES : XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they 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 explanation
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am filing a formal complaint regarding multiple hard inquiries that have appeared on my credit reports with Equifax, TransUnion, and Experian. These inquiries were not authorized by me, and in several cases, I either did not initiate a credit application or was not given proper disclosure or consent protocols required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate removal of the following hard inquiries from my credit reports due to lack of permissible purpose and failure to provide proper authorization : XXXX XXXX XXXX  XXXX XXXX Equifax & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX ( Experian & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX These inquiries are having a negative impact on my credit scores and were either 1 ) not initiated by me or 2 ) resulted from rate shopping or duplicate pulls beyond what is reasonable. 

Under the FCRA ( 15 U.S. Code 1681b ), a hard inquiry requires a consumers full knowledge and explicit authorization. I have reached out to the respective companies, and some have failed to provide documentation proving my consent or permissible purpose. 

Therefore, I request that the CFPB investigate these inquiries and compel the credit bureaus to remove any that can not be verified with signed consumer authorization. I also request confirmation of the results of this investigation and removal action.

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