vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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

1681c2 ) that you, the TransUnion 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 - Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>2025, Balance : {$4700.00} 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 XXXX 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-26 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:
When I pulled my credit reports from TransUnion and XXXX, I was stunned to see a XXXX account ( XXXX ) being reported as a charge-off with a balance of {$210.00} dated XX/XX/year>. This is not only inaccurate but incredibly damaging to my credit profile. I take my financial responsibilities seriously, and over the years Ive worked hard to rebuild and maintain a clean record. Coming across an error like this is frustrating, disheartening, and frankly, unacceptable. 

I have disputed this directly with both bureaus, yet the account continues to reflect incorrectly. This tells me that my dispute has not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) of the FCRA requires that when a consumer disputes an item, the credit reporting agency must conduct a reasonable reinvestigation. What I am seeing here does not reflect a reasonable reinvestigationit reflects either a rubber stamp or a blind reliance on outdated or incomplete data from the furnisher.

This error has real consequences. Ive been denied favorable credit terms and have had to pay higher interest rates than I deserve, all because of information that should not even be there. My credibility is being undermined, and that is not just numbers on paperthat impacts my daily life.

The FCRA was designed to protect consumers like me from exactly this type of harm. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Clearly, that standard has not been met. And under 15 U.S.C. 1681i, I have the right to a proper reinvestigation when I flag an inaccuracy. If this error remains uncorrected, I am prepared to exercise my rights under 15 U.S.C. 1681n and 1681o, which allow for civil liability against agencies and furnishers who willfully or negligently fail in their duties. This isnt an empty threatI understand these rights and I am not afraid to use them if I have to. If the CFPB can not get this corrected, I am left with no choice but to pursue legal remedies in federal court.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Formal Complaint Against Wells Fargo Bank Failure to Indemnify Fraud Loss To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo Bank regarding its failure to indemnify me for a clear case of cyber-fraud on both my Wells Fargo checking and credit card accounts. Although I have been a resolute Wells Fargo customer for over XXXX  years with several accountsincluding checking, savings, business checking, a credit card, and a small personal loanmy recent fraud claim was denied, and I was not given a clear reason. 
On XX/XX/year>, I received a text message from Wells Fargo Notification alerting me to an unauthorized purchase of {$270.00} at XXXX XXXX in XXXX, NC. I promptly replied XXXX, indicating the transaction was fraudulent. Shortly thereafter, I received a follow-up message stating that a representative would contact me and that my account would be temporarily suspended. I was then contacted by an individual posing as Wells Fargo representatives who provided and requested the one-time authorization codes over the phone that were sent to me, resulting in multiple fraudulent transactions and significant financial loss. 
XXXX XXXX recent denial letter simply stated the transactions were authorized, without requesting or reviewing the text transcripts, call details, or other supporting evidence. This response is generic, dismissive, and fails to reflect a thorough investigation into cyber-fraud. I have since filed a police report documenting the incident & have attached all texts messages involving this complaint which Wells Fargo did not request. 
As a long-standing customer of over XXXX decades and 100 % XXXX Veteran, I expected stronger safeguards, proper fraud detection, and a fair resolution process. XXXX XXXX refusal to indemnify me despite clear evidence of fraud demonstrates a failure to protect its customers and a lack of accountability. 
I respectfully request the CFPBs assistance in ensuring Wells Fargo : XXXX. Reopens and properly investigates my fraud claim & looks at all evidence. 
XXXX. Provides a detailed explanation of the basis for its denial. 
XXXX. Indemnifies me for the full amount of {$9000.00} for these fraudulent transactions. 
XXXX. Ensure there is oversight and full review of Wells Fargo handling of my case. 

Thank you for your attention to this matter. I trust CFPB will hold Wells Fargo accountable for its negligence in addressing this cybersecurity fraud and protecting its consumers. 

Sincerely, 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
b'I am formally disputing inaccurate information that appears on my credit report. I recently reviewed my credit file, and I noticed an account that I believe is incorrect and should not be reported. The disputed account is as follows:\n\nCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThis debt is inaccurate because I have no record of this account. I did not open any account with XXXX XXXX XXXX and have not signed any contracts with XXXX XXXX XXXX. This account is reported incorrectly. \n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that this account be investigated and removed from my credit report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
b'I am formally disputing inaccurate information that appears on my credit report. I recently reviewed my credit file, and I noticed an account that I believe is incorrect and should not be reported. The disputed account is as follows:\n\nCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThis debt is inaccurate because I have no record of this account. I did not open any account with XXXX XXXX XXXX and have not signed any contracts with XXXX XXXX XXXX. This account is reported incorrectly. \n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that this account be investigated and removed from my credit report. 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CADENCE BANK
State: TX

Complaint narrative:
On XX/XX/year>, XXXX sent me a letter stating that a disputed account from Regions Bank XXXX XXXXXXXX XXXX ) was verified as accurate and complete. However, on XX/XX/year>, Regions Bank ( XXXX ) provided me with a letter confirming they were unable to conduct an investigation or even identify the account. 

This is a direct contradiction. It proves that XXXX reported the account as verified when no verification took place. This violates the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation, - 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy, and - 15 U.S.C. 1681n willful noncompliance.

Additionally, XXXX has repeatedly misreported my name as XXXX XXXX XXXX instead of my correct legal name, XXXX XXXX. This is another accuracy violation under 1681e ( b ).

I have requested the method of verification. XXXX failed to provide it, yet continues to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a complaint against Wells Fargo regarding the mishandling of a check deposit, delayed access to my funds, conflicting information from representatives, and unprofessional treatment. 

On XX/XX/XXXX, I deposited a check. My receipt stated the funds would be available on XX/XX/XXXX. Instead, Wells Fargo placed a hold, claiming an irregular signature '', and wouldn't be released until XX/XX/XXXX. 

My father and I contacted his credit union ( the issuing bank ), which confirmed the signature was valid, the money had cleared his account, and there were no issues. Despite this, Wells Fargo continued to hold the funds. 

I made three calls, spoke with five people, and received conflicting explanations. One representative ( XXXX ) said the credit union flagged it, which directly contradicts what the credit union told me. 

On XX/XX/XXXX, I spoke with an escalations manager who hung up on me in the middle of me crying. I did not yell or use inappropriate language. I am a single mother of XXXX autistic children, and I had only {$15.00} in my account on XX/XX/XXXX ; by XX/XX/XXXX, I was negative. I was treated with no compassion, no decency, and no urgency. 

My father also sent me a wire transfer on XX/XX/XXXX to help, but Wells Fargo representatives gave me conflicting timelines for when I would receive the funds. One rep XXXX XXXX, XX/XX/XXXX ) was dismissive and unhelpful. 

I have been a loyal Wells Fargo customer for over 20 years, and I feel I have been treated unjustly and targeted. Holding my money for more than a week without justification is unreasonable and has caused severe hardship. My account is not only negative when I placed a check in 2 days ago, but now will incur {$35.00} overdraft fees for everyday I'm negative, although I've tried twice now to deposit money into my account. I'm also going to be facing an eviction and late fees, since rent is due XXXX and no one can seem to help me. I was told repeatedly my " money is in limbo ''. 

I filed a formal complaint with Wells Fargo and obtained a reference number, along with sending their board of communications an email to address my concerns of how improperly they not only handled my funds, but the basic lack of human decency I experienced after banking with them over two decades.

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 2025-09-26 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: OR

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 

The following inquiries are unauthorized and must be permanently deleted : XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> I have already disputed these items directly with TransUnion, providing both my written dispute and a copy of my official FTC Identity Theft Report ( Report No. XXXX ). Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized.

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
On XX/XX/year> at XXXX AM, I received a message from an individual I do not personally know stating that XXXX XXXX ( XXXX ext. XXXX ) from McCarthy, Burgess & Wolff ( MBW ) had personally come to my place of employment and requested that I contact him for a personal matter. 

XXXX XXXX has never contacted me directly at my phone number. His only contact was by showing up at that location and using a third party to pass a message to me. I do not work at that specific branch. This conduct embarrassed and humiliated me. 

After receiving that message, I called MBW myself. The representative I spoke with was extremely rude, stated that a $ XXXX payment plan would not be good enough, and pressured me to take money out of my 401 ( k ) retirement account to pay the balance in full.

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), including the prohibitions on contacting third parties ( 15 U.S.C. 1692c ( b ) ), communicating at a consumers place of employment ( 15 U.S.C. 1692c ( a ) ( 3 ) ), and using harassment or abusive tactics ( 15 U.S.C. 1692d ).

I am a single mother of two and would like to resolve this debt in good faith. I am requesting that MBW stop contacting me or my workplace and agree to reduce my current balance from {$7000.00} to {$2000.00} and allow me to pay that {$2000.00} in $ 25 monthly installments until paid in full, with all terms provided to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After pulling my Experian credit report, I discovered several unauthorized hard inquiries that I never applied for, never consented to, and never authorized. Specifically, the following inquiries were listed : XXXX XXXX XXXXXX/XX/year> ( appearing twice on the same date ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> I have never submitted a credit application with any of these companies on or around those dates, nor have I granted authorization for them to access my credit file. These inquiries are baseless and highly damaging to my profile. The fact that XXXX XXXX appears twice on the same day is particularly concerning and suggests either sloppy handling of data or a failure by Experian to screen for duplicate or erroneous entries. 

Experian has a legal duty under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( a ) ) to ensure that only those with a permissible purpose may access and report on my credit file. Yet here, Experian allowed multiple companies to place inquiries that I never approved. Not only is this a breach of my rights, it demonstrates a reckless disregard for accuracy and consumer protection.

This is not the first time I have encountered reporting errors with Experian. I have had to dispute inaccuracies before, and the experience has been the same : Experian provides no meaningful explanation, no proof of authorization, and simply maintains the erroneous data. That is not a reasonable investigation under 15 U.S.C. 1681i. Instead, it looks like Experian routinely accepts whatever the furnisher submits, without requiring validation or proof of consumer consent.

These unauthorized inquiries are not harmless. They lower my credit score, misrepresent me to lenders, and cost me access to fair credit opportunities. They also cause unnecessary emotional distress, making me feel like I have no control over my own financial identity. No consumer should have to suffer because Experian fails to filter out or validate improper credit pulls.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief