vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
THERE WAS A FRAUDULENT SECURITY ON MY CREDIT ACCOUNT, AND I DID NOT GIVE ANYONE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. EVERYTHING IS INACCURATE, AND HAS LOWERED MY SCORE TO THE POINT TO WHERE I DO NOT QUALIFY TO USE MY HOME LOAN AS A MILITARY VETERAN 100 % XXXX. PLEASE REMOVE ALL OF THE ITEMS REQUESTED COMPLETELY OFF OF MY CREDIT REPORT, AND SEND VERIFICATION VIA EMAIL : XXXX to CONFIRM THE REMOVAL OF ALL ITEMS LISTED IN MY LETTERS, PLEASE AND THANK YOU, XXXX BLESS!!!

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 2025-09-09 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: GA

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Company or Organization : XXXX  XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXXXXXX Account Number : 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 2025-09-09 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: NY

Complaint narrative:
On XX/XX/year>, I mailed a certified 605B identity theft dispute package to Equifax, which included : A handwritten dispute letter referencing 15 U.S.C. 1681c-2 An FTC Identity Theft Affidavit Copies of my government-issued ID and proof of address The dispute was delivered and confirmed on XX/XX/year>. Under XXXX XXXX, Equifax was legally required to block the disputed fraudulent accounts from my credit file within 4 business days of receipt. As of today, Equifax has failed to : Block all disputed accounts Remove fraudulent items identified in my packet Provide written confirmation or any legally required response Instead, I received a generic email stating that my documents were received with no follow-up, no explanation of what actions were taken, and no formal decision. 

Even worse, * * Equifax recently updated one of the disputed accounts XXXX XXXX Bank and changed its status to less than 2 payments late, which caused a XXXX drop in my FICO score. This update occurred after my formal identity theft dispute and should not have happened at all. 

These actions and Equifaxs failure to comply with federal law are interfering with my ability to secure housing and rebuild my financial stability. Equifax is in clear violation of FCRA Section 605B and continues to allow fraudulent and damaging information to remain on my credit report despite legal notice and proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a certified 605B identity theft dispute packet to Experian. It included : A handwritten letter referencing 15 U.S.C. 1681c-2 A signed FTC Identity Theft Affidavit Proof of identity and address ( ID + utility bill ) The package was confirmed delivered on XX/XX/year>. 

Under Section 605B, Experian is legally required to block all disputed identity theft-related information within 4 business days of receipt. That deadline passed without any action. 

On XX/XX/year>, I filed a formal CFPB complaint against Experian due to their failure to comply with this requirement. That complaint has since gone unanswered Experian has : Provided no portal response to my first complaint Failed to delete or block multiple fraudulent accounts I disputed Not issued any formal written communication confirming their investigation or actions The continued reporting of these fraudulent accounts even after two layers of disputes is violating my rights under the Fair Credit Reporting Act, delaying my housing application, and causing material credit harm. I have followed every federal and procedural requirement as a consumer. Experian has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
1 ) XXXX XXXX-ACC # XXXXOPENED XXXX {$11000.00} 2 ) XXXX XXXX -ACC # XXXXOPENED XX/XX/year> - {$5300.00} 3 ) XXXX-ACC # XXXXOPENED XXXX {$830.00} 4 ) XXXX XXXX XXXXACC # XXXX {$600.00} 4 ) INCORRECT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) INCORRECT ADDRESSES=XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA

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 2025-09-09 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: CA

Complaint narrative:
1 ) XXXX XXXX-ACC # XXXXOPENED XXXX {$11000.00} 2 ) XXXX XXXX -ACC # XXXXOPENED XX/XX/year> - {$5300.00} 3 ) XXXX-ACC # XXXXOPENED XXXX {$830.00} 4 ) XXXX XXXX XXXXACC # XXXX {$600.00} 4 ) INCORRECT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) INCORRECT ADDRESSES=XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I was hit with overdraft protection from my savings account on XX/XX/year> at about XXXX XXXX. The overdraft taken from my savings was {$150.00}. Today, XX/XX/year> my checking account is short {$150.00}. The record of the transfer from my savings has been removed. The transaction in my savings account has also been removed ; however, my savings account is short {$300.00}. On XX/XX/year> I had a posted balance of {$780.00} in my savings. Today my balance in my savings account is {$640.00}. I should have a balance of {$940.00} in my savings if the bank returned my {$150.00} to my savings. I am short {$300.00} today. I spoke to several people at Wells Fargo to resolve my issue. They all see the same numbers I see on the internet. If a transaction happens in my account I want that recorded and never removed. XXXX can post an additional transaction as they reverse things, but never remove evidence. Wells Fargo moves transactions on the bank statement to try to hide transactions. Once a transaction is posted it should remain in the position just as if it were recorded on paper.

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 2025-09-09 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: TX

Complaint narrative:
I went to buy a car because my old car needed at lot of work so I went into the Suburu dealership to buy need another car and the dealer said my credit was bad and at this time I couldn't by a car. The dealer told me that I need to check my credit report. According to of 15.U.S.C 1681 law there should not be any damages to my credit report. 

These are the 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-09-09 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: IN

Complaint narrative:
I AM A VICTIM OF MULTIPLE DAT BREACHES AND IDENTITY THEFT SAW ERRORS AND UNAUTHORIZED ITEMS ON MY CREDIT REPORT SO I FILED MY FTC POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IN

Complaint narrative:
I AM A VICTIM OF MULTIPLE DAT BREACHES AND IDENTITY THEFT SAW ERRORS AND UNAUTHORIZED ITEMS ON MY CREDIT REPORT SO I FILED MY FTC POLICE 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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> and XX/XX/year> I went in to Bank of America XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX and spoke with 2 different bank staff about closing my business CD account, the process to close the account started with numerous phone calls and being transferred around to so many different departments for assistance, which started back on XX/XX/year>. 

On both occasions, there were lots of calls made to the business credit card department, CD department and Legal. The CD department and Legal department blamed each other, stating the other department was responsible for releasing the hold. On both visits to the branch I was told to come back in 5 days to allow the hold to be released so that the account can be closed and funds returned to me in the form of a cashier 's check since I no longer have an account with Bank of America

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am trying to purchase a home. I looked at my credit report and noticed that there were several fraudulent accounts on my report which I did not open. Furthermore, I have NOT benefited from NOR authorized anyone to open any accounts. Please REMOVE the following fraudulent accounts from my credit profile. XXXX Account XXXX, XXXX Account XXXX, XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX. I have sent and done everything in my power to have these fraudulent accounts remove and it seems the bureaus are running sham investigations and are not using due diligence to investigate or remove fraudulent accounts from my profile. I have requested original documents from the bureaus and creditors which I am entitled to under the FCRA laws. I have received NOTHING and Transunion, XXXX XXXX XXXX  have DONE NOTHING to help. Please have these bureaus to stop reporting fraudulent information on my 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 non-monetary relief
Consumer complaint received 2025-09-09 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: FL

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 explanation
Consumer complaint received 2025-09-09 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: FL

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This complaint is a follow up to my last complaint. After around XXXX day after I had opened my initial complaint against PayPal Holdings Inc. with the CFPB, I logged into my PayPal account to find that not only had my funds not been released, but instead that my account had been permanently banned. I entered a live chat with a support agent, whom upon request refused to provide the reason for the ban. 

I'd like to reiterate what has led us here : - I made a purchase from a seller on the XXXX online marketplace platform months ago - The item was never fulfilled due to a missing address on the shipping label, so the item was sent back to the seller. 
- Upon receipt of my lost item, the seller offered to provide me a refund for the product via PayPal- I agreed, and opened a brand new PayPal account to receive my refund- The seller sent the full amount of the refund on XX/XX/2025 at XXXX PST - Immediately upon receiving the amount of the refund on PayPal , my PayPal account was temporarily banned. I called around XXXX PST and spoke with a PayPal customer support agent, who requested my photo ID and told me they would reach back out in XXXXXXXX XXXX. 
- Instead of a follow up email or request for further information, I logged into my account a little bit over XXXXXXXX XXXX later to discover that my account had been permanently banned with no explanation as to why. 
- I opened a live chat session with a PayPal customer support agent to determine what the cause of the ban was, to which they refused to provide ( attached are the images of the correspondence I had with the support agent ). 

I have still not received my refund as of today, XX/XX/2025 and am considering legal action via small claims court at this point. I truly just want the value of the refund returned to me at this point. I have no desire to use PayPal further than to receive my refund. I feel as though my money has been stolen from me, and PayPal has offered no recourse to resolve this situation. My best bet at recovering my funds at this point is to file this request, and start gathering evidence to present in small claims court. As I have said, all I want is the dollar value of my refund returned to me. If the CFPB could be any help in resolving this, it would be much appreciated. I can't confirm that this is the case, but the immediate motion to permanently ban my PayPal account felt a bit retaliatory seeing as it occurred a day after I had sent my complaint to the CFPB. If you guys should like to reach out to me to ask for more information, my contact info will be attached below : Phone : XXXX Email : XXXX I appreciate your assistance, and hope you have a wonderful day XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
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 explanation