vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I mailed Experian a certified dispute raising two issues, track # XXXX. Account opening, lastactive, and last payment dates disagreed with XXXX  and XXXX  indicating inaccuracy. 
Also, XXXX hard inquiries appeared under unfamiliar company names and unauthorized inquiries were made with no open or closed account, so I never requested them.

I cited my rights under FCRA 1681e ( b ) ( accuracy procedures ) and 1681i ( right to reinvestigation and written results ) and requested corrections or deletions.

An email was sent stating the investigation also credit report stating, account was in dispute now resolved reported by subscriber, but they sent no documentation, did not provide the name, address, or phone number of the furnishers who supposedly verified the items, nor did they send me an updated credit report as required by 1681i ( a ) ( 6 ). 

On XX/XX/year>, I mailed a second certified follow-up demanding written verification ( with furnisher info ) and an updated report within XXXX business days. Track # XXXX As of today, Experian has provided nothing more, not the report, not any evidence of investigation, and certainly no correction of those disputed items. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to be that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: DE

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX INQUIRIES : XXXX  Date : XXXX/XXXX/25 XXXX  Date : XXXX/XXXX/25

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX Date : XX/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 2025-08-01 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:
This is my second formal dispute regarding fraudulent and inaccurate accounts listed on my credit report. Despite my initial request, these accounts remain on file without any proper verification or explanation, which is a clear violation of my rights under the FCRA ( Fair Credit Reporting Act ), specifically Sections 609 ( a ) and 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
This is my second formal dispute regarding fraudulent and inaccurate accounts listed on my credit report. Despite my initial request, these accounts remain on file without any proper verification or explanation, which is a clear violation of my rights under the FCRA ( Fair Credit Reporting Act ), specifically Sections 609 ( a ) and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been charged a total of {$140.00} in monthly service fees by Wells Fargo {$12.00} per month which I recently discovered. I was unaware of these charges and believed I had met the requirements to have the monthly fee waived. 

On XX/XX/scrub> 2025, I called Wells Fargo to dispute these charges and spoke with XXXX XXXX from the escalation department. During the call, she was unprofessional and rude, frequently speaking over me, and refusing to provide a clear explanation. I have this call recorded. 

She claimed that in order to waive the $ XXXX  monthly service fee, I must maintain a {$3000.00} daily balance, which is an unreasonably high threshold for a personal checking account. She also stated that I do not qualify for any other waivers, such as the direct deposit requirement, although I have had regular deposits into the account. 

I believe the fee structure was not clearly communicated, and the customer service interaction was unacceptable. I am requesting a full refund of the {$140.00} in fees and a review of my account setup to ensure it matches my banking needs and avoids unnecessary fees going forward.

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 monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted [ XXXX XXXX XXXX XXXX XXXX ] multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-01 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 found a late payment listed on my credit report, which I believe was submitted and processed on time. My bank statement clearly reflects the payment date falling within the required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am disputing the reporting of derogatory information on this Pentagon Federal Credit Union account ( last 4 digits of the account number can be added here ) post-XXXX  XXXX bankruptcy filing. 

This account was included in my XXXX  XXXX bankruptcy case, which was filed in 2025 and has since been officially discharged. Despite this, the account history reflects derogatory marks and missed payments both before and after the bankruptcy filing date. This is a clear violation of : Fair Credit Reporting Act ( FCRA ) 602 & 607 ( b ) accuracy and completeness of credit reporting Consumer Financial Protection Bureau ( CFPB ) guidance on post-bankruptcy reporting XXXX XXXX compliance guidelines which prohibit reporting delinquency after the bankruptcy filing date on accounts included in the petition The tradeline shows a " XXXX  XXXX bankruptcy '' remark but still retains derogatory and late marks, which misrepresents the account as unpaid and delinquent. This is misleading, punitive, and inaccurate, particularly since the balance is {$0.00}, and there was no ongoing collection or delinquency at the time of closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: GA

Complaint narrative:
I opened a Blockchain.com account years ago and completed full XXXX verification at that time. I recently used the account to participate in a promotional offer : purchase {$30.00} in crypto and receive {$30.00} in return. After completing the purchase, I attempted to withdraw my funds and was immediately met with issues the transaction remained stuck in a " Pending '' state with no explanation or error message.

I contacted support and was told the issue was fixed and to try again, but withdrawals ( both crypto and ACH ) continued to fail in the same way. I provided detailed evidence showing the problem : funds appear to leave my account and then silently return after hours with no indication of failure.

After several days of follow-up and no resolution, I received an email from Blockchain.com stating that my identity could not be verified despite having been verified years ago and with no new request for updated documents. This sudden unverification came only after multiple failed withdrawal attempts, which raises serious concerns about the legitimacy of their practices. 

At this point, they are effectively holding my funds XXXX, refusing to provide a clear explanation, allow withdrawals, or escalate the issue meaningfully. I am requesting that Blockchain.com be investigated for possible deceptive or unfair practices involving the freezing of customer funds under vague pretexts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Help Financial, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX phone number : XXXX Email : XXXX Finance Company Name First Help financial Subject : Request for Goodwill Adjustment Late Payment Removal Dear CFBP I hope this message finds you well. I am writing to respectfully request a goodwill adjustment for a late payment reported on my account related to my XXXX XXXX XXXX auto loan. 

Ive maintained a strong payment history, with over 99 % of my payments made on time. Unfortunately, due to a combination of personal and health-related challenges, I missed one payment during a period when I had moved and did not receive notification regarding the due date. Specifically, my apartment number changed, and as a result, I never received a statement or reminder. At the same time, I was going through serious health issues and was temporarily unable to work. 

XX/XX/XXXX month where i late XX/XX/XXXX month where i paid. 
my account is current on a time right now. 

Once I became aware of the missed payment, I acted immediately and paid the outstanding amount in full. I also contacted company customer service team, provided proof of my address change, and was assured that the late payment would be removed from my credit report due to the exceptional circumstances. However, to this day, the late payment still appears and continues to negatively impact my credit profile. 

This one-time event has had a significant effect on my life. Most recently, I was denied a new rental lease due to this mark, despite an otherwise strong credit history. As a responsible borrower with a solid record and clear documentation of hardship, I respectfully ask you to consider removing this late payment from my credit report as a gesture of goodwill. 

I truly value the relationship I have with your company and hope to continue it positively. I would appreciate your understanding and assistance in helping me restore my credit standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

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 ( XXXX ) 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 explanation