vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: MN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
In XXXX a garnishment of my pay was began to collect a debt and {$3400.00} was collected by Gurstel Law Firm PC. The amount was collected via checks that were mailed to them and Gurstel cashed those checks in XXXX. In XXXX the garnishment was again put in place and as of XX/XX/XXXX they had collected {$3300.00} and cashed them. So they have collected {$6700.00} against a debt of {$6600.00}. 

Gurstel at first claimed they had no record of the checks from XXXX, despite the fact that my employers records show they cashed the checks that were made out to and delivered to them. In fact, since XX/XX/XXXX they have collected further checks for {$420.00} and {$420.00}. After my communication with them they claimed to have " found '' the checks on XX/XX/XXXX but as of today, XX/XX/XXXX they still refuse to credit my account for those checks. They also refuse to stop garnishing my pay and claim I still need to pay the amount because they have no record of the XXXX payments, but again this is after they also said they " found '' the checks last week and having cashed the checks in XX/XX/XXXX. 

So as of today I have paid {$7500.00} against a debt of {$6600.00} and Gurstel refusing to acknowledge in any way I have overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-20 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: NC

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 2025-08-20 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding 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 ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I made a purchase on XXXX totaling {$480.00} ( transaction details attached : XXXX charge from XXXX, WA ). After returning the item, XXXX processed a refund of {$450.00} but wrongfully credited it to my XXXX account balance ( gift card format ) instead of my original payment method ( Wells Fargo card ). 

2. Attempts to Fix the Issue with XXXX I contacted XXXX to request the refund be redirected to my Wells Fargo card. XXXX admitted the error but claimed they could not reverse the gift card refund. They advised me to file a dispute with Wells Fargo to recover the funds. 

3. Wells Fargos Negligent and Unprofessional Response On XX/XX/year>XXXX  I contacted Wells Fargo customer service to report the issue and request dispute assistance. Over a 30-minute call : - The representative repeatedly feigned confusion about the problem, despite clear explanations. 

- They deliberately delayed the process, providing no timeline or action plan to resolve the dispute. 

- They refused to escalate the issue to a supervisor or acknowledge the urgency of the matter. 

4. Harm Caused by Wells Fargos Inaction - Financial Trapping : My {$450.00} is wrongfully locked in XXXX  gift card balance, violating my right to receive refunds via the original payment method ( Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq. ). 

- Time & Stress : I wasted over 30 minutes on the call, plus follow-up efforts, due to Wells Fargos negligence .

Requested Resolution 1. Investigate Wells Fargo : Hold them accountable for violating the Electronic Fund Transfer Act ( EFTA ) by failing to promptly investigate and resolve the refund error.

2. Enforce Action : Require Wells Fargo to process my dispute and ensure the {$450.00} is credited to my Wells Fargo card immediately.

3. Compensation : Demand Wells Fargo compensate me for the time and distress caused by their negligent service.

Attachments - Screenshot of XXXX refund confirmation ( showing {$450.00} credited to XXXX account balance ). 

- Screenshot of the original XXXX charge ( {$480.00} on XX/XX/year> ). 


I urge the CFPB to take swift action to protect my consumer rights and hold Wells Fargo accountable for their unlawful conduct. 

Sincerely, 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 2025-08-20 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 just checked my credit report this morning and saw an inaccurate account still there, which makes no sense to me. I always review my report carefully, yet this error appeared suddenly. Refreshing my browser didnt solve anything, and the inaccurate inquiry was never removed. I am beyond frustrated and request that my submitted documents be fully reviewed immediately so I can finally put this issue behind me.

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 2025-08-20 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$68.00}

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 2025-08-20 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 previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters is reporting a collection account on my credit report in the amount of {$1100.00}. I fully dispute this account as inaccurate, unverifiable, and unlawful. 

This furnisher has not provided me with any validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). A consumer has the right to request validation of any alleged debt, and until proper validation is provided, collection activity and reporting to credit bureaus must cease. Despite this, National Credit Adjusters has furnished this account, harming my credit profile without producing a single piece of evidence that this debt is legitimate. 

Furthermore, the Fair Credit Reporting Act ( FCRA 602A, 607 ( b ), and 623 ) requires maximum possible accuracy in the reporting of consumer information. Reporting unverifiable data without complete documentation, including the original signed contract, account-level details, and proof of permissible purpose, is a direct violation of federal law. Failure to provide accurate and verified information constitutes negligent and willful noncompliance under FCRA 616 and 617.

This account is also being furnished without my explicit consent. At no point did I authorize National Credit Adjusters to obtain, share, or report my personal information. Furnishers are required under FCRA 604 and 609 ( a ) ( 1 ) to prove that they have a legal basis and permissible purpose to access and report consumer data. Without my consent, this is an unauthorized use of my personal information and a breach of my consumer rights. 

Additionally, I am currently experiencing unstable living conditions and can not safely receive mail. Because of this hardship, I require all responses, documents, and evidence to be uploaded directly through the CFPB portal. Mailing me letters I can not access will not fulfill the companys legal obligation to provide validation. 

National Credit Adjusters is deliberately reporting damaging and inaccurate information without proper proof. This is unlawful, misleading, and harmful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX {$0.00} ( ACCOUNT # XXXX ) XXXX  - {$5000.00} ( ACCOUNT # XXXX ) XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXX - {$23000.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-08-20 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 2025-08-20 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: NY

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

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 2025-08-20 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: CT

Complaint narrative:
I am truly worried and disappointed to review my credit report and see these accounts, as well as several inquiries, on it. I feel helpless and distressed to see something so important to my financial well-being being affected in this way. I urgently demand that these accounts be removed and blocked from my report immediately. Below are the accounts listed on my report : XXXX  XXXX, Opened in : XX/XX/year> ; XXXX XXXX XXXX, Opened in : XXXX XXXX ; XXXX XXXX, Opened in : XXXX XXXX. 

This situation has me extremely worried, and I would appreciate it if this could be resolved as quickly as possible.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2025, I scheduled payments for both of my Capital One credit cards through my banks bill pay system. My payment due date for both accounts was XX/XX/2025. In the past, payments made on the XXXX have always posted by the due date. 

This time, however, both payments did not post until XX/XX/2025, XXXX day after the due date. As a result, I was charged a {$29.00} late fee on each account. 

I immediately called Capital One customer service to explain the situation. I pointed out that I submitted both payments XXXX days in advance, and that the posting delay was due to processing and not because I paid late. The representative reversed the fee on XXXX of my cards, but refused to reverse the fee on my XXXX  card, stating that it was not eligible for a reversal. 

Since the payments were made at the same time and both accounts were affected by the same delay, I believe it is unfair that XXXX fee was waived but not the other. I am requesting that the {$29.00} late fee on my XXXX  card be reversed as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account listed under my name. I have no association with this account and never authorized its opening. Its presence is inaccurate, misleading, and detrimental to my credit history.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation