vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: DE

Complaint narrative:
This inaction has been lingering for more than 3 months after notifying the company of my intent to terminate the account and have my money returned. WISE has been ordered to pay by CFPB Orders {$2.00} XXXX in Illegal Remittance Practices. This appears to be more negligent and unlawful conduct. 

I just want my money back. There have been longstanding delays and inaction on the part of WISE to close my account permanently and reimburse my money on deposit with WISE.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: MS

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account that is currently reported under my credit profile. I never authorized, opened, or used this account, and its inclusion is completely inaccurate. The reporting of this account is negatively affecting my financial reputation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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: FL

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately 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 non-monetary relief
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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).

LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 

15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.

UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. 

If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. 

DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. 

Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. 

Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. 

NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. 

This letter is written in good faith and with the expectation of full compliance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).

LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 

15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.

UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. 

If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. 

DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. 

Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. 

Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. 

NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. 

This letter is written in good faith and with the expectation of full compliance. 

Sincerely, 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: 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Timeline of events : XXXX opened carters credit card and made a store purchase of XXXX XXXX payment was due. Payment was not made so they charged me {$30.00} XXXX Made a payment of XXXX and called customer service that day and asked if they could waive the late fee. It was my first time ever missing a payment and I was a new customer. The lady was super nice and said she took off the late fee and my account should be up to date after my payment posts. 

XXXX A refund of late fee of {$15.00} is posted. I did not see this because as I stated above she said the late fee was taken care of and refused FULLY. So at this point I owe {$15.00} ( XXXX ) which I have no idea about. 

XXXX I make a in store purchase for XXXX XXXX They charge me another {$30.00} for a late fee XXXX {$3.00} interest fee charged and they charge me {$15.00}. I asked them why they charged me {$15.00} and they said that the original refund of {$15.00} is only given if the NEXT payment is paid in full. In this case it was not, so they took it back. 

I called today XX/XX/year>. I was hung up on them TWICE. They told me they have nothing to do with the customer service rep that misled me into thinking I dont have a balance. They did not want to transfer me to their supervisor even after multiple asks. They were able to refund me {$15.00}. So in total I have accrued {$45.00} worth of unfair late fees. I am requesting that they refund me the {$45.00}. 

I made a payment today on XX/XX/year> for {$120.00} to keep my account current. This amount is {$79.00} + {$3.00} + {$45.00}. This includes the discount of {$15.00} which hasnt posted yet. I am again assuming they post it soon. I will make this time I check in 2-3 days as they claim to make sure it posts. 


Like I said, I want my refund of {$45.00} of late fees. They are rude, unjust and disrespectful on the phone. Please help me. I am a single mom working on one income.

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$31000.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$69000.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$100000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$25000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$1100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/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 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry 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: 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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