vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and would like all associated accounts 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 2025-10-23 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: GA

Complaint narrative:
I am a victim of identity theft and would like all associated accounts 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 explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and distressing.

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 2025-10-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: WA

Complaint narrative:
I have made several complaints since XXXX XXXX XXXX until present I've explained everything too many times so they are aware of complaints and issues now once again I get the ame excact letter dentining my claim word for word I haven't spent over 80 hrs of my time, stress and everything else to get a duplicate copy from them. It's very simple I was incarcerated XXXX XXXX XX/XX/XXXX I couldn't nor did I make any charges {$1100.00} on my card they did I didn't send in dispute letter within time limit although I did it even states the day I did however they still investigated came to conclusion {$44.00} was in my favor how did {$44.00} come in my favor when nothing else did that makes no sense and they said I didn't provide copies of receipts or items or documentation well how could I when I didn't have any cuz I didn't make them I was in jail! Now the dispute letter in every chance made I answered the ones that were ongoing like {$2.00} from XXXX and {$9.00} from XXXX it is comical at this point that they are saying I'm to contact merchants well that's what my card is protected from unauthorized charges the merchants aren't and they said cuz the card was used at multiple places ummm ya it sure was and if you look at all my banking history not once did I ever use my card at any of those merchants they were used between XX/XX/XXXX -may XXXX at merchants I've never been too and in jail you can't use your cards to order anything lmao everyone knows that and there is a delivery address or pick up signature or up address where these were made to and from its that simple to find out for goodness sake I'm not gon na stop making complaints and have already gone public and have found out wisely bank has done this to all disputes and aren't even w XXXX XXXX XXXX because of all complaints how there still in business is beyond me but I plan on finding the laws that will start a class action suit against the fraudulent pretense unauthorized charges we won't be responsible for and with dispute given our money back if we the consumer were unaware and didn't authorize so once again please look at ALL information and verify and investigate thoroughly then give an answer that supports your decision not just we found yourselves not guilty of allowing instead of duplicate answer as you've provided 4 times now cuz if investigation is done properly you'll be apologizing over and over and settling this once and for all Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX acknowledged a reporting error caused by a system or software upgrade that resulted in an incorrect late payment being reported on my account. In their letter dated XX/XX/XXXX, XXXX confirmed that the XX/XX/XXXX late fee was waived and stated that they would remove the XXXX and XX/XX/XXXX delinquency marks from all credit bureaus. 

Despite that written assurance, as of XX/XX/XXXX, the same derogatory entries remain on my credit reports with XXXX XXXX and TransUnion. I have disputed these items multiple times, but the credit bureaus continue to verify them based on outdated or inaccurate data. XXXX has not provided documentation showing that the promised corrections were made or communicated to the credit bureaus. 

This ongoing reporting of information previously acknowledged by XXXX as erroneous is causing continued harm to my credit profile and violates their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ) regarding the duty to correct and update inaccurate information. 

I am requesting confirmation that XXXX XXXX XXXX XXXX has permanently deleted or corrected the XXXX XXXX derogatory entries across all credit bureaus and that the updated information has been transmitted to XXXX XXXX, and TransUnion.

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 2025-10-23 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:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX acknowledged a reporting error caused by a system or software upgrade that resulted in an incorrect late payment being reported on my account. In their letter dated XX/XX/XXXX, XXXX  confirmed that the XX/XX/XXXX late fee was waived and stated that they would remove the XXXX and XX/XX/XXXX delinquency marks from all credit bureaus. 

Despite that written assurance, as of XX/XX/XXXX, the same derogatory entries remain on my credit reports with Experian, XXXX XXXX XXXX I have disputed these items multiple times, but the credit bureaus continue to verify them based on outdated or inaccurate data. XXXX has not provided documentation showing that the promised corrections were made or communicated to the credit bureaus. 

This ongoing reporting of information previously acknowledged by XXXX as erroneous is causing continued harm to my credit profile and violates their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ) regarding the duty to correct and update inaccurate information. 

I am requesting confirmation that TD Retail Card Services has permanently deleted or corrected the XXXX XXXX derogatory entries across all credit bureaus and that the updated information has been transmitted to Experian, 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 2025-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a claim regarding unauthorized charges by XXXX XXXX. I submitted in proof that I have told XXXX XXXX that they are not authorized to charges my account in any way or form. Per CFPB guidelines, I have to right to revoke ACH and any electronic transfer permission on payday loan app at any given time. XXXX XXXX denied me this and claimed they are an exception which follows CFPB guidelines they are not. I also stated in my email to them that they are not authorized to make any charges on my account. I got a new debit card and I never provide it to XXXX XXXX yet some how they got my new card info which is also unauthorized. Wellsfargo is my bank who I been with for a long time have deemed this unauthorized charge was valid and denied my claim. I don't know how my own bank protect a company who practically taken my money unauthorized. I will be changing bank as Wellsfargo can not protect me who is their customer for years. Who know if this happens again in the future, how much they will throw me under the bus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
On XX/XX/year> I received a PayPal email notifying me of a purchase by XXXX XXXX XXXX XXXX XXXX of {$3000.00} through my checking account XXXX. I immediately sent a message that I do not recognize nor authorize this transaction. Unfortunately it was already processed thru my checking account. I had to file a complaint of fraud because I did not authorize the transaction nor did I purchase anything through this company. I have been denied an appeal on this twice and all I want is my money back. This same type of purchase was done again on XX/XX/year> XXXX more times for the exact amount but since I had removed my checking account from PayPal, they put the charge thru on my XXXX XXXX XXXXXXXX XXXX on file. I have since been refunded for one of the credit card charges by PayPal and XXXX XXXX denied the other one. However, PayPal is finding reasons to refuse my original claim and case back to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) # XXXX XX/XX/2025 -- {$360.00}

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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a payment to care credit credit card on XXXX XXXX XXXX  in the amount of {$280.00} for XXXX XXXX XXXX That payment went through because the correct bank account was on there. I made a second payment of {$120.00} on XXXX XXXX XXXX and by accident I pressed the wrong bank account number and it did not go through. The wrong bank account has been closed for seven months, but it was still in the system on the app. I should've deleted it but I did not. When I made the payment on XXXX XXXX XXXX for the {$120.00} I made a mistake and clicked the wrong account number to make the second payment. The credit card company received payments for XXXX XXXX XXXX, which means that I was paying ahead of time to make that payment. The {$280.00} payment went through and they received it. They closed my account and I'm very upset.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I received a letter from Midland Credit Management titled Pre-Legal Notice for Non-Payment of Debt. The letter stated that due to non-payment, they were considering forwarding my XXXX XXXX  account to an attorney in the state of California for possible litigation if I did not pay by XXXX XXXX XXXX

I believe this language was meant to pressure or intimidate me into payment by suggesting imminent legal action, even though no lawsuit has been filed or served. The letter implies attorney involvement without confirming that any legal action is actually being pursued. This may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations, including threats of legal action that are not actually intended or authorized. 

I am filing this complaint to report the letter and to request that the company be reviewed for misleading or threatening debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with XXXX and never used the account. The bank kept charging me fees and now is a negative balance called the and emailed and they will not close the account I have never used the account they took my XXXX and keep charging me and it needs to stop. They have no reason to be stealing my money and then refuse to close the account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Equifax, I am filing a formal complaint against XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX, I sent a certified debt validation letter regarding an alleged debt under account number XXXX. Despite my request, the collection agency has failed to provide the legally required verification of the debt, as mandated by the FDCPA. The agency has continued its collection attempts and/or has reported this disputed debt to credit bureaus without noting that it is under dispute. This action is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) because they are reporting information they know to be inaccurate or have failed to verify. I request that the CFPB open an investigation into this matter. I expect [ Collection Agency Namel to provide the requested debt verification or immediately cease all collection activity and remove the inaccurate information from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation