vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal and urgent complaint regarding a series of unauthorized hard inquiries that have been made on my TransUnion credit report without my knowledge, consent, or any legitimate credit application from me.

I did not authorize these inquiries. I have serious concerns that my personal information may have been used fraudulently, and I am demanding a full investigation into the matter. 

The following companies made hard inquiries on my credit report that I did not initiate : 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 I expect these companies to be held accountable for conducting credit checks without proper authorization. I have already initiated a dispute with TransUnion and will continue escalating this matter through all appropriate channels until these fraudulent inquiries are removed from my credit file. 

I am requesting that the FTC immediately review this case as a potential identity theft and consumer rights violation. I will provide any supporting documentation necessary upon request, and I am prepared to file an Identity Theft Report if needed.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: AZ

Complaint narrative:
Since XX/XX/XXXX, I have repeatedly attempted to move my Arizona unemployment benefits off my XXXX XXXX and into my checking account, but every one-time transferwhether initiated online, via the website, or via the phone XXXX  to go through and I receive a confirmation email, only for the full amount to bounce back onto my card the next day with no explanation. I have verified my account details multiple times and tried different banks, yet none of the transfers complete successfully. 

- XX/XX/XXXX : One-time transfer of {$280.00} to my credit union via the website ; confirmed, then reversed. 

- XX/XX/XXXX : One-time transfer of {$280.00} to the same account ; confirmed, then reversed. 

- XX/XX/XXXX : XXXX funds transfer of {$100.00} to XXXX XXXX XXXX ; confirmed, then reversed. 

- XX/XX/XXXX : One-time transfer of {$100.00} to XXXX XXXX  XXXX confirmed, then reversed. 

Because these transfers fail, I have been forced to use ATMs listed on moneypass.com. On XX/XX/XXXX, I withdrew {$400.00} at the TRANSFUND ATM ( XXXX XXXX XXXX XXXX, XXXX, AZ ), which was advertised as surcharge-free, but I was nonetheless charged a {$2.00} feethis surcharge has not been reimbursed. 

I declined to attempt transferring funds via XXXX because it would incur additional fees. I also can not use the XXXX XXXX directly for many necessary bill paymentsutilities, rent, mortgage, insurance, and online vendors routinely decline the card. I have been unable to pay bills with those funds, undermining the very purpose of unemployment benefit. 

I have called the customer service number on the back of the card multiple times and navigated the automated menu, but there is no option to reach a live representative, nor any way to contact customer support through the XXXX website. 

Since the creation of my account, online account statements are temporarily unavailable with no estimated date of resolution, so I can not even retrieve my account number or view my transaction history. 

There are many similar complaints reported online by other Arizona cardholders describing failed transfers, unexplained reversals, ATM fees at supposed no-fee locations, and an unreachable customer service line. 

Thank you for forwarding these comments to the companies involved. I XXXX be asked later to provide additional account details to assist with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-15 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner Company Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Request for chain of assignment and Debt Validation Account Number # # # # # # XXXX To whom it may concern, I am writing in response to your communication dated XXXX XXXX. Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting the following documentation : XXXX. Chain of Assignment A complete record of the ownership history of this debt, including all transfers and assignments from the original creditor to your agency. This should include the name of each entity that previously owned the debt and proof of the legal transfer. 
XXXX. Original Creditor Information The name, address, and account details from the original creditor, including a copy of the original agreement that legally obligates me to this debt. 
XXXX. Itemized Accounting A breakdown of the principal, interest, fees, and any other charges added to the original balance. 
XXXX. Proof of Your Authority to Collect Documentation demonstrating that your agency has been legally assigned or purchased this debt and has the right to collect on it. 
In accordance with the FDCPA, I request that all collection activities related to this debt cease until you provide the requested and proper validation. Additionally, if you can not validate this debt 100 %, I request that you stop reporting it to the credit bureaus and remove any inaccurate information from my credit reports. 

Please note that this letter is not an acknowledgment of the validity of the debt, nor is it an agreement to pay. I reserve all rights under federal and state laws regarding this matter. 

I expect to receive a response within XXXX days of your receipt of this letter. I also request that all future communication be conducted in writing only. For your records, I am sending this letter via certified mail with return receipt requested to confirm delivery. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 believe 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 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submitted two disputes to Capital One regarding two charges from XXXX XXXX  XXXX made on XX/XX/XXXX. I had authorized only one payment, but two charges appeared on my Capital One statement. When I contacted the merchant, they confirmed in writing that no payment ever went through, and that my payment method was declined meaning they did not receive any money from me. 

Capital One gave me a deadline of XX/XX/XXXX, to submit documentation. I sent everything on XX/XX/XXXX before the deadline. Despite this, they closed both cases on XX/XX/XXXX and told me I missed the deadline, which is false. 

I am requesting that both disputes be reopened and properly reviewed. Im also attaching a formal written letter explaining the situation. Capital One mishandled this process and failed to follow proper dispute resolution rules

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX This account is reported on transunion but not reported on equifax and experian, It also has late payment history which is inaccurate across national bureaus which is being inconsistently reported among the XXXX credit bureaus.

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 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: LD Holdings Group, LLC
State: IN

Complaint narrative:
The creditor is reporting late payments in violation of the CARES Act and FCRA. During that time, I experienced financial hardship caused by the COVID-19 pandemic. I understood that payment relief options were available during this time, and I request that you investigate whether those late payments were reported accurately and in compliance with the Fair Credit Reporting Act ( FCRA ). If the reporting was in error, I respectfully request that credit reporting with all major credit bureaus are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Hello, I was wondering if you could asist me by removing some items frm my file. Please review the report and let me know what you can eliminate. Im an identity theft victim, and I dont own that chrge. It wuld be great for you to eliminate those items to correct my credit report. Ive already reported the identity theft to the Federal Trade Comission, and Ill also provide you with a copy of their Identity Theft Affidavit. Culd you eliminate them as quickly as posible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Hello, I was wondering if you could asist me by removing some items frm my file. Please review the report and let me know what you can eliminate. Im an identity theft victim, and I dont own that chrge. It wuld be great for you to eliminate those items to correct my credit report. Ive already reported the identity theft to the Federal Trade Comission, and Ill also provide you with a copy of their Identity Theft Affidavit. Culd you eliminate them as quickly as posible?

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because XXXX is attempting to collect on a student loan account but has not been able to provide a copy of the signed Master Promissory Note ( MPN ) for the alleged debt. I have made multiple requests for documentation showing that I agreed to this loan, including a signed promissory note, but have not received adequate proof. 

Without this critical document, I am unable to verify : That I agreed to the terms of the loan. 
That I am legally obligated to repay it. 
That the loan was disbursed properly. 

Under the Truth in Lending Act and Fair Debt Collection Practices Act, I have the right to receive documentation of the debt. I believe it is unreasonable for XXXX to expect repayment of a loan without providing legal evidence of the agreement.

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 2025-05-15 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: MD

Complaint narrative:
I am filing this complaint because XXXX is attempting to collect on a student loan account but has not been able to provide a copy of the signed Master Promissory Note ( MPN ) for the alleged debt. I have made multiple requests for documentation showing that I agreed to this loan, including a signed promissory note, but have not received adequate proof. 

Without this critical document, I am unable to verify : That I agreed to the terms of the loan. 
That I am legally obligated to repay it. 
That the loan was disbursed properly. 

Under the Truth in Lending Act and Fair Debt Collection Practices Act, I have the right to receive documentation of the debt. I believe it is unreasonable for XXXX to expect repayment of a loan without providing legal evidence of the agreement.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because XXXX is attempting to collect on a student loan account but has not been able to provide a copy of the signed Master Promissory Note ( MPN ) for the alleged debt. I have made multiple requests for documentation showing that I agreed to this loan, including a signed promissory note, but have not received adequate proof. 

Without this critical document, I am unable to verify : That I agreed to the terms of the loan. 
That I am legally obligated to repay it. 
That the loan was disbursed properly. 

Under the Truth in Lending Act and Fair Debt Collection Practices Act, I have the right to receive documentation of the debt. I believe it is unreasonable for XXXX to expect repayment of a loan without providing legal evidence of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Complaint against transunion - Student Loan with XXXX is now up to date Transunion has not updated this information on their reports. 
Every other credit agency has. 
Urgent matter. 
I'm not able to get back to work until transunion updates the information on my credit report

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, Wells Fargo removed {$160.00} from my bank account ending in XXXX following a garnishment order from the North Carolina Department XXXX XXXX ( XXXX ). They also charged a {$120.00} legal process fee. On XX/XX/year>, they debited an additional $ XXXXmy entire paycheckleaving my account with a XXXX balance. 

I had already made XXXX payments to XXXX last year and attempted to continue paying, but they refused to accept further payments unless I entered a formal plan requiring {$500.00} upfront, which I could not afford. This was not a refusal to pay I was actively trying to resolve the issue. 

Wells Fargo provided no notice or opportunity to assert exemptions or financial hardship. As a Tennessee resident, I was shocked to see my entire account drained by an out-of-state agency. 

I believe Wells Fargo failed to : - Properly screen the account for exempt or protected funds, - Notify me before executing a 100 % levy, - Offer any hardship options before removing my entire balance. 

This has caused extreme hardship and left me unable to pay for essential living expenses. 


Requested Resolution I am requesting that the CFPB review Wells Fargos actions in this case and require the following : 1. Refund of the {$120.00} legal process fee.

2. Internal investigation into how and why a total account levy was permitted.

3. Consideration for reimbursement of all or part of the seized funds based on financial hardship.

4. Policy review to prevent this from happening to others.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/year>, I discovered a series of unauthorized transactions totaling {$1900.00} on my Bank of America debit card ( card ending in XXXX ). These transactions were made at stores such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX across various states, including Colorado, Texas, and Pennsylvania locations I have never visited and where I did not make any purchases. 

I promptly filed a fraud claim with Bank of America and received a temporary credit while the investigation was pending. However, after several weeks, my claim was denied and the entire credit was reversed. I was not given a clear explanation or any supporting evidence regarding the denial. 

I do not believe these transactions were authorized by me in any way. The timing and geographic location of the charges make it impossible that I was involved. I have requested a formal explanation and re-investigation from the bank, but my concerns have not been resolved.

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