vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: MD

Complaint narrative:
I dont know what the debt is for, theyre not verifying what the debt is from or how much is owed. They call at all times of day, at least 4-5 times and several text messages.

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 2025-07-26 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I deposited a payroll check into my Wells Fargo account and received written confirmationvia both email and the mobile appthat {$270.00} would be available on XXXX XXXX and the remaining balance on XXXXXXXX XXXX XXXX XXXX XXXX no funds were made available. I contacted Wells Fargo and was then informed, without prior written notice, that an extended hold had been placeddelaying the partial release until XXXXXXXX XXXX  and the full release until XXXXXXXX XXXX 

The check in question was issued by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Wells Fargos unexplained hold, despite clear documentation and internal verification, caused me to incur overdraft fees and late charges. More critically, it damaged my professional image. As the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The appearance of my personal finances being impacted undermines the confidence my team has in our operations, especially if any employees who also bank with Wells Fargo are now at risk of similar issues. The embarrassment and pressure caused by this incident is unacceptable and entirely preventable.

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 2025-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/year> I purchased XXXX gift cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ) at a local XXXX. When I went to use the funds that I had purchased, none were available. I immediately contacted XXXX Finance about this issue. They admitted that my card had been compromised due to security issues on their end. They told me they'd freeze the account and send me the full amount back. However, when I received the check in the mail, it was for {$1.00} -- not the {$1000.00} that I owed. I have attempted to contact XXXX XXXX through several channels, and despite the fact that they admitted fault, they are refusing to recompense me for their security lapse. I have also filed complaints to my bank, Ally ( XXXX XXXX XXXX, XXXX, MI XXXX ). They have continually delayed giving me any response for this issue. Their responses simply say " check back in XXXX business days '' any time I've attempted a follow up. At this point, it has been several months, and I'm still without any resolution. I have clearly been the victim of fraud in this case. However, because XXXX XXXX has admitted this lapse in their communications to me, they should have to reimburse me for my funds that were stolen from their care.

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 2025-07-26 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: CA

Complaint narrative:
Trans Union has negative information on my credit report that needs to come off 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 non-monetary relief
Consumer complaint received 2025-07-27 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:
There is inquiries on report that are not mine they are fraudulent, I have never applied to these companies, I do have a fraud alert on my credit and they were still made, I notified the companies involved and they replied only by saying there is nothing they can do, to contact the credit reporting which is transunion XXXX ) XXXX XXXX  XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) 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 2025-07-28 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-26 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: PNC Bank N.A.
State: NM

Complaint narrative:
UNauthorized use of Trademark XXXX XXXX STANDARD TRADEMARK USAGE FEE OF XXXX XXXX $ XXXX. Low inaccurate inequitable score no positive payment history on record and nobody has Trademark usage permission just like XXXX  did not or XXXX or XXXX  or XXXX or anyone whatsoever and for any Company to profit off my Trademark is stealing and CPFB is not enforcing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Strand Finance Inc.
State: NJ

Complaint narrative:
I have a XXXX XXXX, due to issues that were out of my control I had to abruptly stop operations. I had to cancel all of my insurance. With that being said, Strand Finance took it upon themselves to charge my business account without authorization or my consent. I called Strand Finance and spoke to 3 different reps and only one gave me the information that I needed to email Operations. I emailed Operations and was told that they were going to investigate the matter. On XX/XX/year> I received an alert from Bank. I called Strand Finance the same day to try to resolve the issue, It wasn't until I emailed Operations that I was able to speak with a lady that called me back stating she did not know why the company would charge my account and there was no auto-pay in place in the contract. My installment was {$6500.00} due every month on the XXXX with a grace period for the XXXX of the next month, with an additional {$25.00} late fee. I cancelled my account on XX/XX/year>. Strand Finance charged my account on XX/XX/year> without my consent for {$90.00}. I accumulated from my bank 2 transaction fees for {$29.00} each because of insufficient funds. I explained all of this to Operations and they stated that they would look into it on XX/XX/year>. With no consent to charge my account whether I missed a monthly payment, I uploaded they're response and conclusion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
I am trying to purchase a home and noticed on my credit report that I have inaccurate information and inconsistent information on my credit report. I have been reaching out to the bureau for the last 2 months and they have not corrected or updated 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 2025-07-26 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:
I recently reviewed my credit report and was shocked to discover several accounts that I did not authorize or recognize. I have been a victim of identity theft and have already submitted a report with the FTC ( Report Number : XXXX ). The fraudulent accounts include : XXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$720.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$3500.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$1700.00} XXXX XXXX  XXXX Account ending in XXXX, fraudulent balance : {$760.00} These accounts were opened without my knowledge or consent. I am requesting the immediate deletion of these fraudulent accounts from all credit reports. I am also attaching my official FTC Identity Theft Report as supporting documentation.

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 2025-07-26 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:
I recently reviewed my credit report and was shocked to discover several accounts that I did not authorize or recognize. I have been a victim of identity theft and have already submitted a report with the FTC ( Report Number : XXXX ). The fraudulent accounts include : XXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$720.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$3500.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$1700.00} XXXX XXXX  XXXX Account ending in XXXX, fraudulent balance : {$760.00} These accounts were opened without my knowledge or consent. I am requesting the immediate deletion of these fraudulent accounts from all credit reports. I am also attaching my official FTC Identity Theft Report as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 am disputing several closed accounts listed on my credit report that I never gave written authorization for. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer information may only be accessed or furnished with a permissible purpose and in many cases, only with written consent.

I did not authorize the following accounts or inquiries : XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX ) XXXX XXXX XXXX ( Closed XX/XX/XXXXXXXX XXXX XXXX  ( Closed XX/XX/XXXX XXXX XXXX ( Closed XX/XX/XXXXXXXX XXXX XXXX XXXX Closed XX/XX/XXXX ) I have no recollection of opening or authorizing these accounts. I formally request that CFPB investigates and compels the credit bureaus to either produce documented proof of my written consent or remove these entries from my credit file immediately. 

This information is negatively affecting my creditworthiness and was not furnished legally under the FCRA.

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 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Someone bought phones from XXXX using some form of Identity I didnt give concent to doing so I was homeless and jobless at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MO

Complaint narrative:
I am submitting this formal complaint against Equifax for knowingly reporting a bankruptcy on my credit file that violates the Fair Credit Reporting Act ( FCRA ), and for failing to remove it upon proper dispute. 

The credit bureau is reporting a public record bankruptcy that was not furnished by the court or by me, the consumer. I have confirmed directly that the bankruptcy court does not report information to credit bureaus, and there is no permissible original furnisher of the data as required under FCRA 623.

The continued reporting of this unverifiable, unsubstantiated information violates FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) information must be furnished with direct knowledge or by the original source FCRA 1681e ( b ) failure to verify public record data accurately and responsibly I properly disputed this item and gave the bureau an opportunity to verify the bankruptcy or remove it. They failed to do either. Since the court itself does not report this information, and the bureau can not identify a legally recognized original furnisher, this bankruptcy is unverifiable and must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Request for Relief : I am requesting : 1. Immediate deletion of the bankruptcy from all of my credit reports across Equifax consumer reporting agency ; 2. Written confirmation of deletion within 30 days of this complaint ; 3. Compensatory relief for damages resulting from this violation under 15 U.S.C. 1681n ( willful violations ) or 1681o ( negligent violations ), including : Loss of credit opportunities Emotional distress Costs related to disputes and monitoring Supporting Case Law : Cushman v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct a reasonable investigation with the actual furnisher of the data. 
Guimond v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A CRA may be held liable for failing to ensure maximum possible accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Consumers are entitled to actual and punitive damages when a bureau fails to correct disputed information. 
Cortez v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRA was liable for maintaining inaccurate public record data despite being alerted to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a money order in the amount of {$1000.00} and mailed it the same day to pay my rent. Later, when the next rent cycle was due, I discovered that the check had never been received by my landlord. 
I contacted my bank branch located at Chase Bank, XXXX XXXX XXXX XXXX, XXXX, and filed a claim on XX/XX/year>, requesting an investigation. I later found out that the check had been fraudulently deposited into an account at XXXX XXXX XXXXSince then, I have received no meaningful updates. Every time I contact the bank, they only tell me to keep waiting. It has now been over 90 days, and I am concerned that the evidence ( such as any video footage ) XXXX be deleted due to the delay. I still have not received my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed XXXX XXXX XXXX is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence and provide XXXX XXXX privacy notices proving my consent, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-07-26 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation