vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXXI disputed to send me debt validation and copy of contract agreement.XXXXAgency contact informationXXXXAMSHER COLLECTION SERVICESXXXX XXXX XXXX XXXX XXXX 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 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: TX

Complaint narrative:
ED FinancialXXXX has reported multiple late payments on my student loan accounts. I dispute these lates as unfair and inaccurate. 

While ED Financial did place my loans into forbearance on XX/XX/year>, this action only paused current reporting. It did not correct the prior negative late payments that were reported from XXXX through XX/XX/year>. 

I was experiencing unstable living conditions and financial hardship during that period, making it impossible for me to reliably receive correspondence or make payments. Under the Higher Education Act and federal loan servicing rules, servicers are required to apply protections such as deferment or forbearance when a borrower is experiencing hardship or eligible for relief. ED Financial failed to apply the appropriate deferment/forbearance at that time and instead reported late payments, which is harmful and misleading. 

By reporting negative marks while I was eligible for deferment, ED Financial violated its duties under FCRA 602A and 623 to ensure maximum possible accuracy in credit reporting. These derogatory entries are inaccurate because they do not reflect the protections that should have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
After recently opening a new XXXX account with OpenBank by Santander and transferring money from two external accounts, on XXXX XXXX XXXX I attempted to deposit more money from my already approved and used external checking account. When I checked back the following week to see if the transfer went through, it did not show that the transfer was initiated. 
I tried the transfer again, figuring that it was an internet connection error, and the transfer did not go through again and my external checking account was suspended by OpenBank. I called customer service and they claimed to have resolved the issue and approved the transfer. When I logged a couple days later, my whole account with OpenBank was blocked. 
I am unable to access my money that is held by them. I have called customer service several times since then over the past few weeks and they can not give me a clear explanation as to why my account is blocked. They keep advising me to call back every XXXX days for an update but there is no further details or resolution. It took several calls for them to ask me to provide bank statements that prove my external checking account belongs to me and I was never notified of the issues or provided meaningful insight. They claim the account numbers do not match when they clearly do and other customer services representatives verify that they do match. They continue to withhold XXXX USD from me and have communicated conflicting timelines ranging from XXXX days for any resolution including closing the account even after proof has been provided that it was in fact me from my account that was trying to transfer more money into this XXXX account. At this point I have asked them to send me a check of the total balance and close the account however they have refused stating that the security team who is unreachable decides to release the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX Certified Mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report, including incorrect personal information. To verify my identity, I enclosed copies of my photo ID, Social Security card, and a recent utility bill reflecting my current address. My letter clearly identified the disputed items and requested a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). According to XXXX records, Experian received the letter on XX/XX/year>. 
Instead of fulfilling its legal obligations, Experian issued an email response dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This response is unjustified, as my dispute was properly submitted with all required identity verification documents and delivered directly to Experian. 
Under the FCRA ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. By refusing to investigate my dispute without valid cause, Experian has willfully violated my rights and failed to comply with federal law. 
To support my claim, I have included a copy of my dispute letter along with identity verification documents ( photo ID, Social Security card, and utility bill ), XXXX certified mail receipt, and Experians response email dated 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a late payment that has been incorrectly reported on my account. My records clearly demonstrate that all payments were made on time, making the current entry inaccurate. The continued presence of this false information is misleading and damaging to my credit profile.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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

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 XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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, XXXX as proof from the US 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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WV

Complaint narrative:
XX/XX/2025 : XXXX XXXX XXXX XXXX, a company I have never seen or heard or had any contact with before, put through an order for {$1300.00} of t-shirts through XXXX on my account. 

Due to repeated instances of fraud taking place on our XXXX account, we only had {$120.00} left in our balance. 

Therefore, XXXX XXXX ( again, a company I have never seen, heard of, or had any dealings with ) took the remainder of the balance from our WISE account, which was linked to our XXXX. {$1100.00} was taken from our account. 

I saw the notice ( not a request for approval ), a notice of the transaction, on my phone XXXX hours later. Instantly, I hit the button to file a dispute, saying that this was a fraudulent transaction and not approved. 

The transaction was listed as PENDING.

Instantly, WISE rejected my dispute, saying that I had done business with this MERCHANT. I called to appeal. They said they would have a human take a look at the transaction. 

Today, they rejected the dispute and said I would not get the money back -- with no explanation or proof that I approved the transaction. They are going to let the theives have my money. 

On XX/XX/XXXX, I sent several payments out of our WISE account ( {$5.00} and {$10.00} payments ). Each time, WISE sent a notice on my phone asking to confirm that I approved of these withdrawals. 

My husband went to the grocery store with our debit card. The transaction would not go through because I was not near my phone to hit APPROVE. 

But this -- {$1100.00} -- they can just XXXX that money out of my account without checking with me and send my money off to let the thieves enjoy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent my FTC report and my license to Experian. I have fraudulent accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has closed my account twice between XXXX. 

I received a remediation check for the amount of {$660.00}, I believe I am owed more than {$660.00} from wells fargo. I called in to determine what transactions the amount of {$660.00} stemmed from because I believe I was owed more. The amount I believe I am owed is approx {$1800.00}. 

Upon calling I spoke with an account executive XXXX at the number of XXXX, he stated he could see a closed account of mine with the balance of approx $ XXXX {$1800.00} ish, matching the amount I believe I am owed. I was told wells fargo should have sent a cashier check. He then forwarded me to remediation dept despite me stating they were not of any help and I have previously spoken with them. Since then he has not answered to resolve 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