vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was scammed on XX/XX/year>, while selling a chair valued at {$40.00} through XXXX XXXX. A woman contacted me and claimed to have sent {$40.00} ; however, my account was frozen because I had not set up a business account. She then stated that to release the funds, I needed to send {$500.00}. I sent this amount, but she later claimed to have paid three times and demanded an additional {$1000.00}, which I did not send as the transaction failed. 

I reported this incident to Wells Fargo immediately, called multiple times, filed a report with the FTC, and visited a branch in person. However, when I recently contacted Wells Fargo, I was informed that the case had already been closed. I do not understand this decision, as I reported the fraud promptly and have sufficient evidence to support my claim. I kindly request that Wells Fargo reopen the investigation and review the case thoroughly. 

Thank you for your attention to this matter.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am applying for a mortgage and discovered that several accounts on my Experian credit report still include the comment account information disputed by consumer. These dispute comments are blocking my mortgage process, as my lender requires their removal. 

I have called Experians customer service multiple times on XX/XX/XXXX and XX/XX/XXXX, and each time I am told by a live representative the dispute comments have been removed and do not appear on their end. However, when I pull my official credit report directly from XXXX website, the disputed by consumer comments remain on the accounts. 

I have submitted formal disputes and requested removal both online and by phone, but the comments still show up on my report. This issue is preventing me from moving forward with my mortgage, and Experian has not resolved it after repeated requests. 

I am requesting immediate removal of these outdated dispute comments from my Experian credit report so that I can proceed with my mortgage application

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I have requested a credit increase on one of my XXXX XXXX XXXX XXXX XXXX ending XXXX ) and it resulted in hard enquiry which I am not expecting. 

I have several other cards where i tried doing a credit line increase and its not a hard enquiry. Vredit limit increase was always a soft enquiry. 

Can uou please help me to remove this hard enquiry related to this and this happend today ( XX/XX/2025 ) Below are my details XXXX XXXX Phone number : XXXX Email : XXXX Ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know if you need any other details. 

Thanks, 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
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting a fraudulent XXXX account ( ending in XXXX ) that was opened in my name without authorization and later charged off. I discovered this account in XX/XX/XXXX after being denied credit and immediately disputed it with XXXX, who wrongly concluded the debt was valid. In XX/XX/XXXX, I learned that Equifax had investigated the account with XXXX they never contacted me, the consumer allegedly responsible for the debt. 

Equifax and XXXX closed the investigation without my knowledge or participation. I was told they attempted to verify identity using a phone number that doesnt belong to me. They also failed to confirm that I have never lived in XXXXXXXX XXXX XXXX which is the address associated with the fraudulent account. I have never received any XXXX billing statements or account communications by mail, email, or phone. 

I have submitted an FTC Identity Theft Report ( No. XXXX ) affirming that this account is fraudulent. I am requesting that the CFPB intervene to ensure this account is removed from my credit file across all three bureaus and that Equifax and XXXX are held accountable for failing to notify or involve me in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting a fraudulent XXXX account ( ending in XXXX ) that was opened in my name without authorization and later charged off. I discovered this account in XX/XX/XXXX after being denied credit and immediately disputed it with Experian, who wrongly concluded the debt was valid. In XX/XX/XXXX, I learned that Equifax had investigated the account with XXXX they never contacted me, the consumer allegedly responsible for the debt. 

Equifax and XXXX closed the investigation without my knowledge or participation. I was told they attempted to verify identity using a phone number that doesnt belong to me. They also failed to confirm that I have never lived in XXXXXXXX XXXX XXXX which is the address associated with the fraudulent account. I have never received any XXXX billing statements or account communications by mail, email, or phone. 

I have submitted an FTC Identity Theft Report ( No. XXXX ) affirming that this account is fraudulent. I am requesting that the CFPB intervene to ensure this account is removed from my credit file across all three bureaus and that Equifax and XXXX are held accountable for failing to notify or involve me in their investigation.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting a fraudulentXX/XX/XXXX account ( ending in XXXX ) that was opened in my name without authorization and later charged off. I discovered this account in XX/XX/XXXX after being denied credit and immediately disputed it with XX/XX/XXXX, who wrongly concluded the debt was valid. In XX/XX/XXXX, I learned that XX/XX/XXXX had investigated the account with XXXX they never contacted me, the consumer allegedly responsible for the debt. 

XX/XX/XXXXand XXXX closed the investigation without my knowledge or participation. I was told they attempted to verify identity using a phone number that doesnt belong to me. They also failed to confirm that I have never lived in XXXXXX/XX/XXXX which is the address associated with the fraudulent account. I have never received any XXXX billing statements or account communications by mail, email, or phone. 

I have submitted an FTC Identity Theft Report ( No. XXXX ) affirming that this account is fraudulent. I am requesting that the CFPB intervene to ensure this account is removed from my credit file across all three bureaus and that XXXX and XXXX are held accountable for failing to notify or involve me in their investigation.

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 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I have a few governmental student loans for my children, and we were starting the process of paying it back, XX/XX/XXXX th date as stated by the government. When we drilled into the federal website, we found that our student loans were transferred to ED Financial. I contacted ED Financial to pay a big chunk of principal off and was told I was 12 payments behind, I owed them XXXX, they increased my principals on the loans, and my credit rating was destroyed. They started the payment process started in XXXX We had no idea. 
I informed them that the time frame to begin gov't loans began XX/XX/XXXX. They claimed they have never heard of this, and I had to pay the XXXX. I was current with these loans prior to the temporary delay. This is ridiculous! What can I do to get all of this corrected and my loan sent to a different financial company as this one can not be trusted?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX being duly sworn, state under oath as follows : I am making this affidavit to dispute multiple inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are listed as Credit Request. I am requesting that these inquiries be removed from my credit report because I did not authorize these inquiries. I have attached Driver license, Social Security, XXXX XXXX to this affidavit in support of my claim. I understand that I am under penalty of perjury if statements are false. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX being duly sworn, state under oath as follows : I am making this affidavit to dispute multiple inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are listed as Credit Request. I am requesting that these inquiries be removed from my credit report because I did not authorize these inquiries. I have attached Driver license, Social Security, XXXX XXXX to this affidavit in support of my claim. I understand that I am under penalty of perjury if statements are false. 

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 2025-05-23 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: NY

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: CT

Complaint narrative:
I was a co tenant on a lease at a mobile home part with my friend. ( She was facing homelessness and had bad credit. I used my good credit to help her get the lease. I did not live there with her, I did help her by paying XXXX half of the rent each month ) Between XX/XX/XXXX and XX/XX/XXXX she and I had a falling out, rent went unpaid, an eviction happened and she ended up being evicted and the XXXX XXXX XXXX took possession of the mobile home as abandoned property. I knew there was unpaid rent and was expecting for collection efforts to start shortly after the eviction but nothing happened. I did not get notified of any collection efforts from anyone. No, mail, no phone calls.... nothing. I started thinking that maybe because they ended up taking possession of the mobile home that the unpaid rent might be considered paid in full. Well, I was wrong. Almost a year later on XX/XX/XXXX I get an XXXX notification about a negative entry on my credit report. I go to my account and see something from a place called Merchants And Medical with a balance of {$4200.00}. I think to myself... I do not owe a medical related bill. Then I pull a credit report and I realize it is about the unpaid rent. There was no advance notice that collections were being pursued. Not from XXXX XXXX... Not from the parent companXXXX XXXX  ... Not from any debt collector. No Letters, no phone calls, nothing...... Merchants and Medical decided to damage my credit score without even contacting me about the debt. From what I'm reading, that is a violation of Federal Law and they are not supposed to do that... they are supposed to contact the person with the debt before they try to collect. This did not happen. 
And here is the sticking post....... Even though I never lived at the XXXX XXXX XXXX XXXX both the park and the parent company have a copy of my drivers license which has my actual address, and they even have my home number. However, they wouldn't have my cell number though because I changed it shortly after my friend and I had that falling out. At XXXX point the park even sent park related mail here. So, Merchants and Medical can't say the tried to contact me and it came back undelivered..... everyone has my actual information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westcreek Financial
State: GA

Complaint narrative:
Account WC/ Koalafi # XXXX have not received adequate validation or verification of this debt.The information appears to be outdated, inaccurate, or reported in a misleading manner. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation