vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. 
Inaccurate Information : XXXX. **Wrong Addresses : ** - **Incorrect Address # XXXX : ** XXXX XXXX XXXXXXXX, MA XXXX XXXX **Incorrect Address # XXXX : ** XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Address : ** XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX : ** - **Incorrect Employer # XXXX : ** XXXX - XXXX Employer : ** XXXX XXXX Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number.- A copy of document showing my correct address.Impact : These inaccuracies have the potential to a affect my creditworthiness and cause confusion in my credit pro file. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that TransUnion promptly investigate and correct these inaccuracies. Please confirm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-09 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: 2288984 Ontario Inc.
State: MI

Complaint narrative:
I am disputing inaccurate and misleading credit reporting related to an account with XXXX/MoneyKey ( opened XX/XX/XXXX, closed XX/XX/XXXX ). This account was sold to a third-party debt collector ( Structured Settlement ) on XX/XX/XXXX, as confirmed in writing by MoneyKey. 

Despite this, the account continues to be reported with negative remarks including In Collections/Charge-Off, Profit and loss write-off, and late payment statuses all of which imply ongoing delinquency or creditor activity, which is inaccurate since the creditor no longer owns the debt. 

MoneyKey confirmed they no longer service or furnish data on this account post-sale, yet the tradeline remains misleading, incomplete, and damaging. I have also not received a full validation of this debt under the FDCPA, nor documentation of the transfer or securitization history. 

I have formally disputed this account with the credit bureaus ( XXXX, XXXX, XXXX ) and requested that the tradeline either be corrected to reflect a {$0.00} balance and Transferred/Sold status, or be deleted if it can not be properly verified. 

I request the CFPB investigate and compel XXXX/MoneyKey and the credit bureaus to correct or remove this inaccurate tradeline per the Fair Credit Reporting Act ( FCRA ). Documentation supporting my claim is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> {$4500.00} was wired from my business checking account WSFS bank XXXX XXXX XXXX XXXX XXXX 's bank account with XXXX  XXXX XXXX. The wire was made to purchase XXXX XXXX. Since the beneficiary, XXXX XXXX XXXX claimed money was not received, I requested XXXX to recall the wired amount. The staff at XXXX tried their best to help me. First by issuing a recall. Next by escalating it with the intermediary bank. The intermediary bank was really frustrating the XXXX staff as they will not pick up calls or act fast. It took more than XXXX months for the intermediary bank ( XXXX XXXX ) to recall and respond. Finally they are saying La XXXX XXXX refused recall as they needed beneficiary approval. Now, I have {$4500.00} stuck in XXXX XXXX XXXX that I am not able to get back.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint because I am currently unable to open a new bank account due to multiple previous accounts that were closed with a negative balance. These accounts are being reported to consumer reporting agencies like XXXX and/or XXXX XXXX XXXX by the following banks : Truist Bank While I acknowledge that some of these accounts may have had negative balances, I was not properly informed of the closures or final balances owed in several cases. I was also not provided a clear breakdown of the charges or adequate opportunity to resolve the issues before the accounts were closed and reported. 

These unresolved or unverified reports are now preventing me from opening any new checking or savings accounts, which is severely impacting my ability to manage money, receive direct deposits, and pay bills. 

I am requesting that a full investigation be conducted into the accuracy and validity of these reports. I also request that I be provided with any documentation that proves the final amounts owed, transaction history, and communication regarding the account closures. 

If these debts can not be verified or if the reporting banks can not provide proper documentation, I respectfully ask that the negative reports be removed from my consumer file.

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 2025-04-09 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  days, it must be deleted immediately from my credit file.

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 2025-04-09 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: NC

Complaint narrative:
I am showing some inaccurate accounts reporting... XXXX {$18000.00} Inquiries : XXXX ( XXXX XXXX ) XXXX  XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX  ( XX/XX/year> ) 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 2025-04-10 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: ME

Complaint narrative:
I recently checked my credit report. As i was signing into XXXX, I noticed my name, with my phone number and my SSN as being correct but it had an address for Virginia. I have never lived in Virginia. Been in Maine my whole life. As I looked at my credit score once i logged in, I seen a few accounts that were not mine, so i repoerted that with Transunion. They came back today and they denied the dispute, saying they are mine. I am worried that maybe this is identity theft? or just a mistake with another person same name,. I googled this person and she does exist, as age XXXX, I am XXXX. Why is my account with hers and i dont understand why Transunion cant see that we are 2 diff people and i dont get how my SSN and phone number was under her address, I dont know what to do now. These accouns are in good standing so i dont think it hurts my credit, i just worry cause its on my account and its not me. I worry that my ssn was under her address. If i google her, it shows my address along with her address as the same person, we are not the same person, ive only lived in XXXX XXXX  my whole life. Can you please help?

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 2025-04-10 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I recently checked my credit report. As i was signing into XXXX, I noticed my name, with my phone number and my SSN as being correct but it had an address for Virginia. I have never lived in Virginia. Been in Maine my whole life. As I looked at my credit score once i logged in, I seen a few accounts that were not mine, so i repoerted that with XXXX. They came back today and they denied the dispute, saying they are mine. I am worried that maybe this is identity theft? or just a mistake with another person same name,. I googled this person and she does exist, as age XXXX, I am XXXX. Why is my account with hers and i dont understand why XXXX cant see that we are 2 diff people and i dont get how my SSN and phone number was under her address, I dont know what to do now. These accouns are in good standing so i dont think it hurts my credit, i just worry cause its on my account and its not me. I worry that my ssn was under her address. If i google her, it shows my address along with her address as the same person, we are not the same person, ive only lived in XXXXXXXX XXXX my whole life. Can you please help?

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 2025-04-10 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I recently checked my credit report. As i was signing into XXXX, I noticed my name, with my phone number and my SSN as being correct but it had an address for Virginia. I have never lived in Virginia. Been in Maine my whole life. As I looked at my credit score once i logged in, I seen a few accounts that were not mine, so i repoerted that with XXXX. They came back today and they denied the dispute, saying they are mine. I am worried that maybe this is identity theft? or just a mistake with another person same name,. I googled this person and she does exist, as age 67, I am 56. Why is my account with hers and i dont understand why XXXX cant see that we are 2 diff people and i dont get how my SSN and phone number was under her address, I dont know what to do now. These accouns are in good standing so i dont think it hurts my credit, i just worry cause its on my account and its not me. I worry that my ssn was under her address. If i google her, it shows my address along with her address as the same person, we are not the same person, ive only lived in XXXXXXXX XXXX my whole life. Can you please help?

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 2025-04-09 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XX/XX/year> 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 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to dispute the reporting of the XXXX  XXXX account ( Acct # : XXXX ). 

Discrepancies include : - Reported balance exceeding credit limit - Conflicting last payment dates- Account previously in dispute flag, yet unresolved This continued presence on my credit report, after a dispute, reflects noncompliance with : - 611 ( a ) : Reasonable reinvestigation obligation - 607 ( b ) : Maximum accuracy requirement - 623 ( a ) ( 1 ) : Prohibition of knowingly reporting errors I demand documentation proving this account was fairly investigated. Otherwise, I request deletion under FCRA consumer protections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to dispute the reporting of the XXXX  XXXX account ( Acct # : XXXX ). 

Discrepancies include : - Reported balance exceeding credit limit - Conflicting last payment dates- Account previously in dispute flag, yet unresolved This continued presence on my credit report, after a dispute, reflects noncompliance with : - 611 ( a ) : Reasonable reinvestigation obligation - 607 ( b ) : Maximum accuracy requirement - 623 ( a ) ( 1 ) : Prohibition of knowingly reporting errors I demand documentation proving this account was fairly investigated. Otherwise, I request deletion under FCRA consumer protections. 

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted a dispute pursuant to 15 U.S. Code 1681s-2 Responsibilities of furnishers on information to consumer reporting agencies. XXXX deleted after the investigation was concluded but Experian has 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 explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediate : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, I am writing to formally dispute a fraudulent account and a negative item that has appeared on my credit report as a result of Equifax XXXX breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within XXXX ( XXXX ) business days upon receiving proper notification.

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 2025-04-09 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXX XXXX **Amount : {$470.00} {$720.00} {$1000.00} **Date of Account : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation