vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-15 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: OK

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding several inaccuracies on my credit report with Equifax, Experian, and TransUnion, specifically related to my XXXX XXXXXXXX account ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and my XXXX account ( Account XXXX. XXXXXXXX XXXX XXXX ). The XXXX XXXX account is showing an incorrect balance of {$2700.00}, with late payments reported as XXXX days and XXXX days late, even though my payment history does not reflect any such delinquencies. The last payment date of XX/XX/year> is also incorrect, as this is a future date. The XXXX account is reported with an outstanding balance of {$20000.00} and indicates a repossession, which is inaccurate, as I have never missed a payment or been notified of any repossession. These errors are a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information, and they have led to my credit report being misrepresented. I have already attempted to resolve these issues with the creditors, but the incorrect information remains on my report, continuing to harm my creditworthiness. The XXXX XXXX account is also subject to FCRA 1666 regarding the correction of billing errors and should be updated to reflect my accurate payment history, while the XXXX account should be corrected in accordance with FCRA 605 regarding the reporting period and status.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I use venmo to pay for my bills, I was billed normally and then my account was banned when I woke up I have over XXXX $ on my venmo account and they close it with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this eighth follow-up complaint regarding multiple persistent inaccuracies and inconsistencies on my credit reports across Experian, Equifax, and TransUnion, which continue to violate the Fair Credit Reporting Act ( FCRA 602, 604 ( a ) ( 3 ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ). Despite repeated attempts to have these errors corrected, the inaccurate reporting remains, and I am requesting the immediate and permanent removal of all erroneous items. 

Experian reports my address incorrectly as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, TransUnion reports XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX and Equifax reports my name incorrectly as XXXX XXXX XXXXXXXX, all of which misrepresent my personal information and violate my rights under FCRA 609 ( a ) ( 1 ) and 611. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting last activity and payment dates : Experian lists XX/XX/XXXX, Equifax lists XX/XX/XXXX, and TransUnion lists XX/XX/XXXX, all showing inconsistent last payments, which violates FCRA 611 and 623 ( a ) ( 1 ) ( A ). 

Additionally, RentRecoverySolutions ( original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, reported on Experian with a {$4800.00} balance, does not reflect my actual account history, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows last activity dates of XX/XX/XXXX on Experian and XX/XX/XXXX on TransUnion, further misrepresenting my credit file, violating FCRA 607 ( b ) and 611 ( a ). There is also an unauthorized inquiry from XXXX dated XX/XX/XXXX on Experian, which violates FCRA 604 ( a ) and 604 ( f ).

These inaccuracies have caused significant damage to my creditworthiness, created confusion, and generated a misleading record of my financial behavior. I have attempted to resolve these issues directly with the bureaus under FCRA 611, but proper investigations have not been conducted, and the information remains incorrect.

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 2025-12-15 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:
CFPB COMPLAINT TRANSUNION ================================ Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XX/XX/1997 SSN : XXXX Complaint : This complaint is being filed because TransUnion is reporting inaccurate XXXX inconsistent, incomplete, and legally unverifiable information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
I submitted written disputes requesting a proper reinvestigation and the legally required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). TransUnion responded with generic verified statements and did not provide : Original contracts Billing statements Payment history ledgers Chain-of-title documents Signed authorization for inquiries Any documentation verifying the accounts These actions violate FCRA 602, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 611 ( a ) ( 5 ), 611 ( a ) ( 6 ) ( B ) ( iii ), 623 ( a ) ( 3 ), 623 ( b ), and FACTA 312.

Inaccurate / Unverifiable Items TransUnion Is Reporting : Absolute Resolutions ( Collection, {$16000.00} ) no contract, no ownership documents, inconsistent dates across bureaus. 
XXXXXXXX XXXX  ( XXXX, {$1900.00} ) inconsistent DOFD, unverifiable payment history, no documentation. 
XXXX XXXX ( XXXX XXXX late payments ) mathematically impossible reporting, conflicting dates. 
XXXX XXXXXXXX XXXX  questionable late payments, no ledger provided. 
XXXX XXXX XXXX inaccurate late payments inconsistent with other bureaus. 
Personal information errors outdated addresses, incorrect name variations. 
Unverifiable hard inquiries no signed authorization provided.

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 2025-12-15 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: TX

Complaint narrative:
This late payment information is inaccurate and must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXXXXXX 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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos denial of my Regulation E dispute involving unauthorized debit card transactions. 

On XX/XX/year>, I promptly reported approximately {$6800.00} in debit card transactions made through the XXXX XXXX XXXX app. These transactions were made without my authorization and were conducted by my minor child, who does not have legal capacity to authorize financial transactions or participate in regulated gambling. 

I fully cooperated with Wells Fargos investigation and provided all requested information. Despite this, Wells Fargo denied my claim, stating they do not believe my child made the transactions. This conclusion appears to rely on internal assumptions rather than definitive evidence and does not establish that I authorized the transactions. 

Under Regulation E ( 12 CFR 1005.2 ( m ) ), an unauthorized electronic fund transfer is XXXX initiated by a person other than the consumer without actual authority, and Regulation E does not require a consumer to prove the identity of the individual who made the transaction only that the consumer did not authorize it. 

Additionally, reliance on device or IP data alone does not constitute proof of authorization, particularly where a minor had access to the device. Minors can not legally consent to financial transactions or gambling activity. 

I believe Wells Fargo failed to properly apply Regulation E standards and prematurely denied my claim without sufficient evidence that the transactions were authorized by 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 explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
The late payment listed is incorrect and needs revision.

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 2025-12-15 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The attached email I received today ( XX/XX/year> ) was not a purchase I made. This is a fraudulent email concerning my XXXX  account f

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am a retired XXXX XXXX XXXX XXXX and am submitting this complaint to escalate concerns regarding Experian Information Solutions , Inc.s reinvestigation procedures.

At no point did Experian indicate that it evaluated or reconciled the conflicting ownership information provided. 

I disputed the same XXXX XXXX XXXX XXXX ( XXXX ) account multiple times due to ownership misdirection and materially incomplete reporting. Specifically, documentation shows the account was sold downstream by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet the furnisher continued to direct me to XXXX XXXX XXXX, an entity that no longer owned or controlled the account. 

Despite repeated notice of this unresolved defect, Experian closed four separate disputes for the same account as verified, each time stating only that the furnisher certified the information as accurate, without reconciling the ownership conflict or modifying its reinvestigation procedures : Report No. XXXX ( XX/XX/year> ) Outcome : Remains Report No. XXXX ( XX/XX/year> ) Outcome : Remains Report No. XXXX ( XX/XX/year> ) Outcome : Remains Report No. XXXX ( XX/XX/year> ) Outcome : Remains Across these reinvestigations, Experian did not require clarification of ownership, did not address the misdirection to a non-owner, and did not escalate or adjust its process. The identical outcomes over time indicate mechanical reliance on furnisher certification rather than a meaningful or reasonable reinvestigation.

Given my military status, I am requesting supervisory review of Experians reinvestigation practices in situations involving repeated disputes and unresolved ownership misdirection. I also request preservation of all records related to these reinvestigations, including ACDV/e-OSCAR communications , internal notes, policies, and procedures relied upon to close the disputes as verified.

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 2025-12-15 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: NY

Complaint narrative:
Incorrect information on my credit report such as my name and address.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Debt in student loans is current {$15000.00}.

Complaint Details : 1. ) Illegal Credit Reporting -- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of Department of Education.

2. ) Failure to Verify Legitimacy of Debt -- The loan servicer has failed to provide evidence of accurate interest accrued, collection rights or servicing obligations in light of the agency 's abolishment.

3. ) Unfair and Deceptive Practices -- The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. ) Misleading Salary & Job Claim -- XXXX XXXX currently has class action lawsuit for misleading job placement & salary claims for enrollment during XX/XX/XXXX through XX/XX/XXXX. XXXX will not help because the injunction preventing the XXXX XXXX. 



I demand an immediate investigation, deletion of these accounts from my credit report and cessation of any collection efforts by my loan servicer with a paper form of agreement sent via mail. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and inconsistencies in my credit reports across Equifax, Experian, and TransUnion. Several accounts, including 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 and Department of EducationXXXX XXXX XXXX are reporting conflicting balances, last activity dates, and delinquency statuses. For instance, XXXX XXXX XXXX a balance of {$64.00} with last activity dates of XX/XX/XXXX in TransUnion and XX/XX/XXXX in Experian, while Equifax reflects it in good standing. XXXX  XXXX XXXX and XXXX have reported 30-day late payments with differing last activity dates across bureaus, while Equifax shows good standing. XXXX XXXX is reported with 30-day late payments in TransUnion and Experian at varying dates, yet Equifax reflects accurate standing XXXX XXXX XXXX accounts XXXX show inconsistent balances and late payment histories ranging from XXXX to 90 days. XXXX XXXX Bank XXXX and XXXX XXXX accounts report differing balances and last activity dates across bureaus, and some are not reported at all in Equifax. XXXX XXXX XXXX  XXXX shows varying last activity dates and balances across all three bureaus. Capital XXXX XXXX and XXXX accounts display late payments on Experian but good standing on Equifax and TransUnion. These discrepancies have created a misleading representation of my creditworthiness and may negatively impact my financial opportunities. I have attempted to resolve these inconsistencies with the bureaus and furnishers but have received conflicting responses, making it difficult to ensure my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
This late payment entry is not accurate and must be corrected.

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