vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-13 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:
XXXX contacting you because there is an account showing up on my credit report that does not belong to me. It appears my information is being inaccurately mixed with someone elses, and this is directly affecting my credit profile. 

To be clear : This account is not mine. 

I have no association with it. 

Yet it is showing up as part of my credit history. 

And worse, it's intertwined with my personal credit information.

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 2025-06-13 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-06-13 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: TX

Complaint narrative:
I recently reviewed my credit report and found accounts that do not belong to me. These are clear cases of identity theft. I request immediate removal per 15 U.S.C. 1681g. Supporting documentation is included to verify my claim.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian 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. 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 : 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 XXXXXX/XX/year>

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 2025-06-13 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been a verified PayPal account holder since XXXX. Over the years, I have maintained an impeccable recordno chargebacks, no disputes, and no policy violations. 

On XX/XX/XXXX, my PayPal account was suddenly limited, with a request for additional information about my business. I promptly submitted all the requested documents in good faith. Just a few days later, on XX/XX/XXXX, I received notice that my account had been permanently limited, despite my clean record and recent full compliance. 

The response I received from PayPals XXXX XXXX XXXX XXXX XXXX XXXX XXXX was vague, citing potential risks and refusing to disclose any specific reasons or examples of violations. I was also told that my funds ( a balance of {$48.00} ) would be held for 180 days, until XX/XX/XXXX, or longer depending on PayPals internal review process.

I strongly believe this decision was automated and not based on an actual human review of the documents I provided. This is an example of arbitrary enforcement, where innocent users are penalized with no transparency, explanation, or chance of appeal.

My business has been disrupted, my access to funds denied, and I am left with no specific allegations to address or defend against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Discover Financial Services regarding the mishandling of unauthorized transactions on my Discover credit card account and their subsequent denial of my fraud claim without proper justification. 

Upon initial use of my Discover credit card, I received a fraud alert for a specific transaction. I confirmed that single transaction as authorized. However, following that confirmation, I did not use the card for several days. During that period, multiple unauthorized transactions were made, which ultimately maxed out the credit limit. Importantly, I did not receive any fraud alerts for these subsequent transactions, and I was unaware they were taking place. 

When I discovered the unauthorized activity, I promptly contacted Discover. They responded by issuing me a new card and temporarily removing the unauthorized charges. I then resumed normal usage with the new card. However, to my surprise, Discover later denied my fraud claim on the basis that I had confirmed the initial alert, and that some merchants used on the new card appeared similar to those used in the unauthorized charges on the previous card. 

To clarify, my confirmation of the initial alert pertained only to a single transaction, which I have never disputed. My claim concerns the subsequent transactions, which I did not authorize and for which no alerts were issued. Discovers justificationthat some of the merchants were similar, such as XXXX and XXXXis insufficient and overly broad. The mere similarity of common, national merchants does not reasonably indicate that I authorized those transactions, especially given the volume and timing. 

Furthermore, Discover has disregarded the fact that several merchants involved in the disputed transactions are entirely unfamiliar to me and are not consistent with my typical spending behavior. Despite explaining this clearly, I was met with dismissiveness and resistance. Discover 's handling of my case has felt coercive, as if relying on their institutional power to pressure consumers into accepting financial liability they do not owe. 

I am requesting a full and fair investigation into this matter. I believe Discover has failed to meet its obligations under the Fair Credit Billing Act and Regulation Z by improperly denying my fraud claim and refusing to take my evidence and explanations into proper account. 

I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian 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. 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute regarding multiple fraudulent accounts reported in my name. I did not open or authorize any of these accounts. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I demand their deletion within XXXX  days. Relevant documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint regarding my Wells Fargo account ending in XXXX, which currently reports multiple late payment marks. These occurred during a period when I was facing serious financial hardship due to circumstances beyond my control. I contacted Wells Fargo and requested a goodwill removal, but they refused, stating they only remove late marks if there is a reporting error. I believe this is unfair and punitive. 

These marks are now outdated and do not reflect my current financial situation, which is stable and improving. I am working hard to rebuild my credit and maintain strong financial habits. The continued presence of these negative marks is preventing me from accessing credit opportunities, despite the fact that Ive demonstrated long-term responsible behavior since. 

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i I believe this reporting is unfair and disproportionate. While the late payments may be technically accurate, the context of verified hardship, subsequent good-standing, and lack of willful negligence should warrant reconsideration. Many financial institutions grant goodwill removals in similar cases. 

I respectfully request the CFPB assist me in having Wells Fargo reconsider this matter and remove the derogatory late payment entries as a goodwill adjustment. This would allow my credit report to reflect my true risk and behavior, which is the goal of fair and accurate reporting under federal law. 
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 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One main financial calls me no less that XXXX times nearly every SINGLE day from several different numbers and between the hours of XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-13 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of : XXXX. DEPTEDXXXX  - XXXX - This is a closed and paid account with excellent payment history. Under FCRA 1681e ( b ), the reported payment status is inaccurate and must be corrected to reflect a positive payment history immediately. 
XXXX. DEPTEDXXXX - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
XXXX XXXX XXXX XXXX XXXX  XXXX - This is a closed account showing a current payment status. The reported late payment is inaccurate and misleading. Under FCRA 1681e ( b ), you are required to ensure maximum accuracy. I demand this account be updated to reflect my positive payment history immediately. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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