vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
When reviewing my credit reports, I discovered multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX is listed as charged-off with a {$1700.00} balance, yet the account continues to report new activity and late payments into XXXX even though it has been closed. This is a clear violation of FCRA accuracy standards and an example of account re-aging. 

XXXX XXXX  XXXX XXXX XXXX is showing as charged-off and re-aged despite being closed since XXXX. XXXX XXXX is reporting inconsistent charge-off dates, inflated delinquency history, and excessive derogatory remarks that extend well beyond 180 days past due. XXXX lists a {$0.00} balance but still reports as a charge-off, which is contradictory and can not be verified. 

XXXX XXXX XXXX  is reporting an over-limit balance and late payments continuing after the account was closed, which is inaccurate. XXXX also reports late payments after charge-off, suggesting that the account has been re-aged. XXXX XXXX XXXX has been marked charged-off since XXXX, but it continues to update in XXXX, which is both misleading and unverifiable. 

XXXX collection agencies XXXX XXXX XXXX ( original creditor XXXX XXXX ) and XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, ownership proof, or original creditor documentation. These debts are unvalidated and duplicate each other, causing double reporting and an unfair impact on my credit. 

Additionally, unauthorized hard inquiries appear from XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) XXXX These inquiries were not authorized or consented to and have caused a negative impact on my credit score. Despite prior disputes, these issues remain unresolved and unvalidated.

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 2025-10-08 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:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate removal of a fraud alert/security flag that is currently attached to my credit file and which is preventing me from obtaining credit. This fraud alert is causing clear, demonstrable harm : lenders are denying my applications and I am unable to access legitimate credit and financial services. 

I did not authorize any party to maintain this alert on my file, or the alert placed is no longer necessary and must be removed. Under the Fair Credit Reporting Act and reasonable consumer-protection practices, you must remove or correct inaccurate, outdated, or unwarranted information linked to my credit report. 

Please remove the fraud alert from my credit file immediately and confirm in writing ( by mail and by email to the address above ) that the alert has been removed. I request written confirmation within XXXX business days of your receipt of this letter. Also please notify any and all creditors and third parties who were provided the fraud alert that it has been removed.

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 2025-10-08 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-10-08 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-10-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During the period of XX/XX/XXXX XXXX XX/XX/XXXX my family experienced an unexpected medical emergency. My wife was hospitalized for XXXX weeks XXXX XXXX XXXX XXXX XXXX and as a result, I faced significant emotional and financial hardship. She had to step away from work to recover and we had lots medical expenses, including a temporary loss of income. 

Unfortunately, this difficult time led to several late payments on my account, which were never a reflection of unwillingness to pay, but of the severe circumstances my family was facing. Since then, my financial situation has stabilized, my payments are back on track, and Ive remained in good standing. I paid Chase bank balance is XXXX and XXXX XXXX Im in good standing. Im kindly requesting that Chase Bank XXXX XXXX XXXX  and the credit bureaus consider a goodwill deletion of these XXXX late payment notations to support my financial recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-08 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am filing this complaint regarding an unauthorized wire transfer from my Wells Fargo Business account. I did not authorize or initiate this wire, yet Wells Fargo denied my dispute in a letter dated XX/XX/year>. The bank claims the transaction complied with its governing Security Procedure under my account agreements, and that I am responsible even if I did not initiate the transfer. 

I strongly dispute this conclusion. Wells Fargos security procedures were not commercially reasonable under UCC Article 4A and failed to protect my account.

Specifically : 1 ) The wire transfer was inconsistent with my normal account activity.

2 ) Wells Fargo failed to provide adequate safeguards such as multi-factor authentication beyond basic methods, or fraud alerts/verification before processing the transaction.

3 ) Reliance on these outdated or insufficient procedures is not reasonable given current fraud risks.

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 2025-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: VA

Complaint narrative:
My federal student loan was transferred to a new servicer, CRI, without any notice to my current address. All correspondence was sent to my parents address, where I no longer live. I never received any communication about the transfer or delinquency until my bank alerted me in XX/XX/year>. The same day, I contacted CRI and immediately paid the full past-due balance. 

During my chat with CRI agent XXXX XXXX on XX/XX/year>, the agent confirmed that notices were sent to an outdated address and that the account would be reported current at month-end. However, the agent refused to provide contact information for the compliance or dispute department and stated that no channels will get the mark removed. This refusal prevented me from submitting a formal written dispute directly to CRI. 

Im asking for review of CRIs handling of borrower communications and its refusal to provide compliance contact details. I want to ensure that other borrowers who experience servicing transfers without notice can reach a real escalation channel instead of being turned away in chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-08 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: AZ

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal continues to debit my account without authorization and will not allow me to remove my bank account or close my PayPal account, even after I revoked all permissions and blocked ACH debits through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

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 2025-10-08 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: PA

Complaint narrative:
I am writing to formally notify you of several unauthorized credit inquiries listed on my credit report that were made without my consent or a permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ). According to Section 605B of the FCRA, credit reporting agencies are obligated to block any fraudulent inquiries when reported to them within a timely manner. In this case, I have already filed a report with the Federal Trade Commission ( FTC ), under FTC Report No : XXXX, and I am requesting that you immediately block all unauthorized credit pulls from my credit report. You are required by federal law to act on this request within 5 days of receiving this letter. 

In addition to the FCRA violation, the listed inquiries are in direct violation of several U.S. federal laws governing consumer credit, including the Fair and Accurate Credit Transactions Act ( FACTA ), which mandates the protection of consumers from fraudulent activity and the proper handling of credit reports. These unauthorized inquiries also contravene state laws in Pennsylvania, where consumer protection statutes ensure that fraudulent activities related to credit reports, such as the misuse of personal information without consent, are strictly prohibited. I urge you to ensure that these inquiries are blocked from my credit report immediately to comply with these regulations. 

The following companies made the unauthorized inquiries on my credit report and I am requesting that Equifax block them as fraudulent due to non-permissible purpose : XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I am also contacting the respective companies to close any fraudulent accounts that may have been opened in my name. I appreciate your prompt attention to this matter and your immediate compliance with federal and state laws to protect my credit and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My identity was stolen and several credit cards were opened in my name. I immediately put a freeze on my credit when I realized what was happening and called all companies that opened these cards to report the fraud. On XX/XX/year>, I spoke with XXXX at BarclaysXXXX XXXX fraud department XXXX report a fraudulent card opened in my name. She said there would be an investigation opened that would take 60-90 days to resolve. I just received a letter from Barclay 's dated XX/XX/year> saying that I would be responsible for the charges of {$480.00} on this fraudulent card because I " benefitted from the use of the account '', which I did 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