vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-05 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: LA

Complaint narrative:
There are several inaccuracies 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 2025-08-05 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: LA

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 15 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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I tried to pay an invoice through PayPal for which I selected pay in JPY. The XXXX then went to credit card verification and after that conveniently forgot my selection, then charged me in USD instead of JPY. The exchange rate is unconscionably poor. My credit card 's fraud alert shows my bank would have charged me {$700.00}. Instead, PayPal charged me {$730.00}. I want the excess {$29.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Galt Financial Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint because I was harassed and threatened by a debt collector in violation of the Fair Debt Collection Practices Act ( FDCPA ). Their conduct caused me significant emotional distress and was entirely inappropriate and unlawful. On Friday XX/XX/2025, a debt collector by the name of XXXX XXXX called me 3 times. I have not been able to answer calls due personal issues therefore he went to voicemail all 3 times. He literally tells me on voicemail that I was hanging up on him and proceeded to yell and get rude back saying dont hang up on me again! Reminder hes talking to my voicemail box. Then proceeded to threaten me by saying I was being malicious and he would file a complaint against me and that I better keep two forms of Id on me at all times. The last voicemail is when he yelled Hang up on me again. I have never been malicious and if I couldve answered I wouldve but I now am in fear of my life because of this matter. I dont know this man and he seems dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Summary of Events : On XX/XX/2025, Wells Fargo attempted an automatic payment of {$5600.00}, but it failed due to insufficient funds. 

On XX/XX/2025, I manually paid {$5300.00} online, which fully satisfied the balance. In addition, I transferred {$1000.00} from my Visa Reward account toward this payment. The result was a small credit balance of {$620.00} at the close of the XXXX statement. 

On XX/XX/2025, Wells Fargos system again attempted to withdraw {$5600.00} from my checking account. This retry was unnecessary as the amount had already been paid in full on XX/XX/XXXX. While I understand this may be part of an automated process it becomes invalid and redundant when a manual payment has already satisfied the obligation. This failure to recognize the manual payment highlights a serious communication gap between your automatic and manual payment systems. The retry failed again due to insufficient funds, because those funds had already been used appropriately to satisfy the debt owed. 

As a result of the failed auto-retry, Wells Fargo re-applied the {$5600.00} to my credit card balance, effectively charging me again for a payment I already made. 

This caused my XXXX balance to show an inflated {$10000.00}, which inaccurately reflects my account activity and payment history.

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 2025-08-05 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: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-05 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX, MIDLAND CREDIT XXXXXXXX XXXX XXXX XXXX, and MIDLAND CREDIT XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Im a victim of Identity Theft and Chex Systems have a current police report file. The following Reported Information thats currently listed and showing on my Chex Systems Consumer Report ID : XXXX is a fraudulent and unauthorized account and not my account : XXXXXXXX XXXX XXXXXX/XX/year>. The unpaid account isnt my account. Chex Systems just recently deleted and removed 3 inquiries from XXXXXXXX XXXX from my Chex Systems Consumer 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 2025-08-05 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: CA

Complaint narrative:
I am filing this formal complaint against EQUIFAX due to its continuous failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) concerning the duty to conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681e ( b ), which requires EQUIFAX to maintain procedures that assure the maximum possible accuracy of the information reported. Despite my multiple dispute letters submitted in writing, EQUIFAX has neglected to perform a lawful and thorough reinvestigation of the accounts I challenged.

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), EQUIFAX is legally obligated to provide a detailed description of the procedures used during their investigation, commonly referred to as the Method of Verification. However, my requests for this verification have been met with insufficient and vague responses that fail to detail how EQUIFAX verified the disputed information. This lack of transparency and the use of template responses instead of a factual investigation indicates a violation of EQUIFAXs statutory obligations and undermines the integrity of my consumer rights. 

Additionally, EQUIFAXs continued reporting of inaccurate, outdated, and unverifiable information constitutes a direct violation of FCRA 1681e ( b ). By failing to ensure that reasonable procedures were followed to maintain maximum possible accuracy, EQUIFAX has directly impacted my credit profile, leading to adverse decisions by lenders and other third parties. Their refusal to correct or remove erroneous data, despite clear documentation provided, reflects a systematic failure in their compliance processes. Their continued pattern of neglect and non-compliance with federally mandated consumer protections not only violates my rights under the FCRA but also causes tangible harm to my financial standing. Regulatory enforcement action is warranted to ensure EQUIFAX adheres to its legal responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-08-05 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: DC

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 15 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 2025-08-05 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: EQUIFAX, INC.
State: DC

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 15 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I had a car loan with XXXX back in XXXX of XXXX for a XXXX XXXX XXXX in the amount of {$33000.00} which I was over charged when I asked for clarification I was told theres nothing they can do they cant cancel the loan. That company lied to me the interest rate thats on the paperwork and the amount they charged me is two different things I was charged {$47.00} for a XXXXXXXX XXXX XXXX XXXX {$5000.00} down payment make {$52.00} that the market value estimate to be about XXXX at the time of purchase. The car was total loss on XXXX my insurance company paid XXXX {$25000.00} but only {$25000.00} was applied to the loan amount. The balance of {$7600.00} was supposed to be paid by the Gap insurance company XXXX denied my request to update the credit bureau about the payment received

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 2025-08-05 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX SSN : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX I dont KNOW WHY EVERY TIME MY CONSUMER REPORT UPDATE ITS A NEW FRAUDULENT ACCOUNT COLLECTIONS ACCOUNT HOW BEFORE I KNOW ABOUT IT OR HEARD OF IT THIS IS FRAUDULENTLY ACTIVITY AND IS AGAINST THE LAW FOR IT TO BE REPORTING ON MY CONSUMER REPORT Subject : FINAL CEASE AND DESIST IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION ACCOUNTS To Whom It May Concern, This is my fifth formal notice demanding that the following fraudulent and unauthorized collection accounts be permanently and immediately removed from my consumer credit reports. These accounts were reported without my knowledge, consent, or authorization, and are the result of identity theft or internal reporting errors. 

Despite multiple previous disputes, your agencies continue to report these inaccurate accounts. This constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

The fraudulent accounts are as follows : XXXX. Original Lender : XXXX XXXX Name : XXXX Date Assigned : XX/XX/XXXX Original Balance : {$830.00} Current Balance : {$830.00} XXXX. Original Lender : XXXX XXXX XXXX XXXX XXXX Name : XXXX Date Assigned : XX/XX/XXXX Original Balance : {$1800.00} Current Balance : {$1800.00} Responsibility : Joint

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Main Line Recovery Solutions, Inc.
State: DE

Complaint narrative:
Woke up this morning, XX/XX/year>, with a notification from XXXX XXXX that I had 2 reported collection accounts from collection recovery services, one account for {$110.00} and the other for {$170.00}. Their has been no writing or phone call communication between this creditor and myself, as per the fair debt collection practices act, it is illegal to put an account on my credit report without notifying me prior to. I am requesting a validation of this debt owed and in the meantime, immediate removal of this debt from all three credit bureaus ( 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