vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
To Whom It May Concern, Subject : Statement in Support of the Consumer Financial Protection Bureaus Legal Action Against TransUnion I am writing to formally express my support for the Consumer Financial Protection Bureaus lawsuit filed against TransUnion and its subsidiaries, including former executive XXXX XXXX XXXX, regarding alleged deceptive and unlawful business practices that continue to harm consumers nationwide. 

The CFPBs complaint outlines a clear pattern of misconduct by TransUnion, including violations of a XXXX  consent order in which the company agreed to cease using deceptive marketing tactics and to obtain informed consent for recurring subscription payments. Despite this legally binding settlement, the CFPB now alleges that TransUnion continued to employ misleading digital tactics known as dark patterns to manipulate consumers into enrolling in, and struggling to cancel, recurring services they did not intend to purchase. 

These tactics reportedly included obscuring critical information in low-contrast fine print, hiding disclosures within slow-loading images, and falsely implying that consumers were already enrolled in monitoring services. If accurate, such practices constitute not only a breach of the XXXX order but a systemic abuse of consumer trust and data. 

As a consumer, I find these alleged actions deeply troubling and representative of a broader issue within the credit reporting industry : a lack of transparency, accountability, and respect for consumer rights. The consequences of deceptive financial practices are not theoreticalthey cause real and lasting harm to individuals and families, many of whom rely on accurate credit reporting and ethical financial services to navigate housing, employment, and lending decisions. 

I commend the CFPB for its pursuit of accountability in this matter and urge the court to treat these allegations with the seriousness they deserve. It is vital that repeat ( ITS BEEN GOING ON FOR 2 YEARS ) corporate offenders are held responsible and that robust enforcement mechanisms are upheld to deter future violationsespecially when they involve access to sensitive consumer data and financial wellbeing. 

I respectfully submit this letter as a statement of support for the Bureaus actions and as a call for meaningful legal remedy, consumer restitution, and systemic change. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing in regard to an unresolved issue concerning a XXXX restriction placed on my account dating back to a transaction on XX/XX/2023. At that time, a client named XXXX XXXX made XXXX separate XXXX payments to me : One payments were clearly labeled in the memo field with her childrens nick name, and I also issued receipts reflecting the purpose of the payments. I have documentation that includes the XXXX confirmation number. 



Unfortunately, XXXX XXXX later reported these legitimate payments as fraud with her own bank. Rather than investigating further or providing me with support or the opportunity to respond, Wells Fargo simply blocked my XXXX access and placed a hold on my profile.

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 2025-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : URGENT DISPUTE Unauthorized Hard Inquiries Formal Complaint via CFPB I am submitting this formal dispute and complaint through the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge or consent and constitute clear violations of the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed a fraud report with the Federal Trade Commission ( FTC ) to formally document and support my claim of unauthorized access to my credit file. 

Unauthorized Hard Inquiry Details Equifax XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize these entities to access my credit file, nor did I apply for any credit with them on or around the listed dates. These inquiries lack a permissible purpose under the law and must be removed immediately. 

Legal Basis for Removal The inquiries listed above violate the following sections of the Fair Credit Reporting Act : FCRA 1681b ( a ) : Credit reporting agencies may only furnish a consumer report for purposes explicitly permitted by law and with consumer consent.

FCRA 1681c-2 : Grants consumers the right to block unauthorized or fraudulent information from their credit report.

FCRA 1681i ( a ) : Requires the credit bureau to reinvestigate disputed items and remove any that can not be verified within 30 days.

Action Requested This is a formal demand for the immediate deletion of all the unauthorized hard inquiries listed above from my Equifax credit file. If these inquiries are not removed within the 30-day statutory period under FCRA 1681i ( a ), I will escalate this matter through legal channels, including continued action via the CFPB, the FTC, and possible civil litigation for damages under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Let me make this absolutely clear : this complaint is valid and submitted with full intent. My credit report contains inaccurate information that violates the legal standard of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to both my financial stability and personal well-being. 
This situation is imposing an unjust and unnecessary burden on me during an already challenging time, and it is unacceptable.

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 2025-06-27 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: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Repossession Account from Equifax Inaccurate, Unverifiable, and Inconsistent Reporting XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am filing this complaint because Equifax is continuing to report a repossession account on my credit report that has already been removed from both Experian and TransUnion due to its inaccuracies, unverifiability, and failure to meet compliance standards under federal law. 

The account in question is : Creditor Name : XXXXXXXX XXXX XXXX Account Number XXXX Equifax Reported Status : Repossession / Charged Off Balance : XXXX Date Opened : XX/XX/XXXX Issues with This Account : 1. This account has already been deleted from my Experian and TransUnion reports as a result of prior disputes for inaccuracy and unverifiability.

2. The reported balance is inaccurate and does not match internal records nor what was reported to the other two bureaus.

3. No original documentation bearing my live signature or any validation of the debt has been provided in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Violations of Federal Law : FCRA 1681i Requires Equifax to conduct a reasonable reinvestigation when a consumer disputes any item, and delete it if the information can not be verified or is inaccurate. 
FCRA 1681e ( b ) Requires Equifax to maintain maximum possible accuracy of the information it reports. If the account was inaccurate enough to be removed by Experian and TransUnion, then Equifaxs continued reporting is a direct violation.

FCRA 1681c ( a ) Limits the length of time derogatory information may be reported ( usually 7 years from the date of first delinquency ).

FCRA 1681s-2 ( b ) Once disputed, the furnisher ( original creditor ) must conduct an investigation, correct or delete any inaccuracies, and inform all bureaus. That clearly did not happen here. 



I am requesting : Permanent deletion of this account from my Equifax report to match Experian and TransUnion.

A copy of the method of verification used by Equifax, including any documentation provided by the creditor bearing my live signature.

A written confirmation that this account will not be reinserted into my file unless fully revalidated under FCRA 1681i ( a ) ( 5 ) ( B ).

I have attached my government-issued ID, proof of address, and the relevant pages of my credit report from all three bureaus showing that this account no longer appears on Experian or TransUnion.

Please treat this as a formal complaint and resolve this issue

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 2025-06-27 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-27 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: Block, Inc.
State: IN

Complaint narrative:
am filing this complaint regarding unauthorized transactions involving direct deposit payroll funds from my employer, XXXX XXXX, into my Cash App account. 

On XX/XX/XXXX, a payroll deposit of {$1000.00} was sent to my Cash App account, and on XX/XX/XXXX, another payroll deposit of {$1200.00} was also sent. Both deposits were stolen or withdrawn from my account without my authorization. I disputed both of these transactions with Cash App, but they failed to assist me in recovering my funds or properly investigating the situation. 

These were my wages, and losing this money caused me significant hardship. I made good-faith efforts to work with Cash App to resolve this, but they did not provide the support or accountability expected from a financial service handling direct deposits. 

I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) action against Block , Inc., Cash Apps parent company, for failing to adequately handle unauthorized transaction disputes. I believe my experience falls within the situations the CFPB is addressing. 

I respectfully request assistance from the CFPB to hold Cash App accountable for their failure to refund my stolen wages and to ensure proper protections are in place for my account going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I am submitting this formal dispute and complaint via the Consumer Financial Protection Bureau ( CFPB ) regarding several unauthorized hard inquiries that appear TransUnion credit reports. These inquiries were made without my knowledge or consent and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Additionally, I have already filed a fraud report with the Federal Trade Commission ( FTC ) to document and support this claim of unauthorized access to my credit file.

Unauthorized Hard Inquiry Details Reported by TransUnion : 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  Legal Basis for Removal These inquiries were conducted without my explicit authorization and therefore violate : FCRA 1681b ( a ) Requires a valid permissible purpose and consumer consent.

FCRA 1681c-2 Grants the right to block fraudulent or unauthorized information.

FCRA 1681i ( a ) Obligates Transunion to reinvestigate and remove unverifiable information within 30 days.

Action Requested This is a formal demand for the immediate deletion of all unauthorized inquiries listed above from my credit file. Transunion is required to comply with the FCRA and conduct a full investigation. If these inquiries are not removed within the timeframe established by law, I will take further action including legal proceedings if necessary.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-27 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accou nts in question : XXXX/DOFED XXXX Balance : {$42000.00} XXXX/DOFED XXXX Balance : {$7300.00} XXXX/DOFED XXXX Balance : {$5500.00} XXXX/DOFED XXXX Balance : {$4200.00} XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$190.00} XXXX/DOFED XXXX Balance : {$190.00}

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 2025-06-27 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 non-monetary relief