vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I am submitting this formal dispute regarding several unauthorized hard inquiries on my credit report. These inquiries were made without my consent and constitute a violation of both federal and South Carolina law. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, my personal information is incorrectly listed on my report as follows : Name : XXXX, XXXX ( XXXX ) Addresses : XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Under federal law, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unauthorized information on my credit reports. Furthermore, South Carolina law protects consumers from unauthorized access to credit information ( S.C. Code Ann. 37-1-201 et seq. ) and from unfair or deceptive practices.

I have also filed a report with the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries. The FTC report number is : XXXX. This report further documents that these inquiries are fraudulent and unauthorized.

I request that the credit reporting agencies investigate and remove these unauthorized hard inquiries within four ( 4 ) business days of receipt of this dispute. I also request written confirmation once these inquiries have been removed.

Enclosed are copies of documents verifying my identity, correct personal information, and a copy of my FTC 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 2025-11-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am filing this complaint because XXXX or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the XXXX major credit reporting agencies. The main account ( XXXX ) in dispute are : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 

I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law. 

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews 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 2025-11-20 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: NY

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Please update XXXX account payment history to reflect 100 % I was never late there should not be an unknown mark reporting 75 % payments history IT NEED SHOULD SHOW 100 % on Credit Karma as shown on the original XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025, I made 2 payments ( {$5.00}, {$150.00} ) to XXXX XXXX. 

Upon finalizing payment, I received a confirmation from them regarding payment. I also received a message from Capital One stating that my payment went through. 

Approx. 2 weeks ago, I was informed that the bank had rescinded the payment. 

I checked my statement for XXXX and noticed that the payment had been denied without explanation. The statement also records that my balance at the time was $ XXXX. 

When talking to the bank, they say it was a mistake on their part but provide no remedy. This is going to cost me {$75.00} additional due to the bank 's error. For a person on a fixed income, that cuts a little deep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have opened a citi bank Home Depot. Card. I made a {$200.00} payment in store and a {$100.00} payment in store the XXXX payment shows the XXXX payment does not show they started calling repaetly over 10 times a day over and over starting at XXXXXXXX XXXX  and even after I asked them to stop and where my XXXX payment was they told me I was a liar even with my receipt. I am making another payment in 2 weeks but they wont stop calling daily and over and over. They did lessen the calls after I said stop the 10. Calls to 4 per day but still insane

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing inaccurate information being reported by Experian regarding a XXXX XXXX XXXX collection account ( XXXX ). I previously disputed this account, and Experian marked it as verified, but the reporting remains factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) for failure to ensure maximum accuracy. 

The account is reporting impossible future dates, which proves the data is inaccurate : It shows {$570.00} past due as of XX/XX/year>, even though that date has not occurred yet. 
It reports the Balance Updated date as XX/XX/year>, another future date. 
Collections do not have Terms : 1 Month, which is inaccurate account classification. 

I asked for verification, but the bureau failed to correct these clear factual errors. I request that Experian conduct a proper reinvestigation, correct or delete the account, and provide written confirmation of the changes.

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 2025-11-20 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: AL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  - XXXX XX/XX/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 2025-11-20 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:
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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a personal check # XXXX along with a voucher to United States Treasury for the amount of {$2000.00} for tax payment due for XXXX. Received my bank statement for XX/XX/XXXX and noticed that check was cleared from WellsFargo on XX/XX/XXXX. On my Bank statement it only shows the check number and the date it was cleared. Not thinking anything was a problem I received a notice on XX/XX/XXXX from Internal Revenue Service payment has not been received for the amount Due {$2000.00}. I call the IRS on XX/XX/XXXX to explain to them I sent Check # XXXX for payment due, tax agent said negative have not received payment. I called Wells Fargo to verify date and who cashed the check, come to find out the check was stolen and altered by someone and was cashed on XX/XX/XXXX. I reported the check to Wells Fargo as fraud and altered by someone. The name to the Order of United States Treasury was removed and it had someone elses name. Ref # XXXX, claim number XXXX. I then completed a Affidavit of check fraud on XX/XX/XXXX and had it notarized with a bank representative. On XX/XX/XXXX I received a letter from the claims department said that had completed there research and of the unauthorized item for {$2000.00} paid on my account. The letter said we Can not Reimburse you because too much time has passed before I contacted them about this fraud. Ive been a loyal Wells Fargo for over 25 years plus, and this is thanks I get for my all years of service. I would have never found out this check was stolen if the IRS did not send me a letter on XX/XX/XXXX requesting payment, XXXX XXXXXXXX XXXX XXXX  and can not afford to issue out free money.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, There was an unauthorized withdrawal from my account of a total of {$1000.00} from a Wells Fargo ATM. I reported and made a claim to my bank, Wells Fargo and explained I had not been in that area during the time of the withdrawal and had been home the entire day. They recommended I cancel my card and get a new one and that they would contact me within 10 days to confirm a resolution. After a week, I received a letter in the mail from Wells Fargo saying they could not refund the money that was stolen as their investigation resulted in the ATM withdrawal being an authorized withdrawal due to me not losing my card or sharing my pin. I contacted a customer service agent to further explain the reason behind declining my claim and they said because they concluded that it was an authorized withdrawal, there wasnt anything else they could do. In their letter they state clients can request documentation that was used to determine their decision. I asked for these documents and was assured I would receive them in the mail but up to this day XX/XX/year>, I have not received anything from Wells Fargo. Additionally, I have made a police report to help appeal my claim.

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 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XX/XX/year>, I have contacted them through phone and email to let them know to stop contacting me and I have since continued to receive emails and letters in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi closed my XXXX credit card on XXXX because they believed my XXXX membership expired. It did not. About XXXX months ago, I downgraded my membership from XXXX to XXXX XXXX and XXXX issued a new membership number. XXXX never relinked that new number to my Citi credit card, so Citi never received the updated information. 

I found out on XX/XX/XXXX when I tried to use the card at XXXX to buy groceries and it was declined. XXXX XXXX XXXX told me the Citi card had been closed and advised me to contact Citi. I contacted Citi on XX/XX/XXXX and XX/XX/XXXX. 

My account was in good standing, and I never requested that it be closed. The closure happened entirely because the updated XXXX membership number wasnt linked and Citi did not verify my active membership before shutting down my account. 

When I asked Citi to fix the oversight and simply associate the new membership number, I was told the account could only be reopened by pulling a new credit report and possibly changing my existing terms essentially requiring me to reapply for a card I already had. 

A credit card should not be closed, and a consumer should not be forced into reapplying requiring a new credit inquiry, because of a membership-number change outside of their control. This issue had nothing to do with missed payments or account problems on my end. 

I am requesting that Citi restore my original account and terms, credit line, accumulated cash back rewards without a new hard inquiry, because the closure resulted solely from an administrative oversight between XXXX and Citi. Reverse any credit reporting associated with this issue.

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 2025-11-20 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: CA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
XXXX improperly charged me about {$250.00} for services I never received. I called the XXXX number multiple times to resolve the issue between XXXX and XX/XX/year>. Each time I called, the XXXX  representative assured me that I did not actually owe any money and that I would receive a confirmation email in XXXX hours confirming that I did not owe any money and that the charges would go away. I never got an email from them and continued getting calls from XXXX, and my bill increased over the course of several months from {$30.00} to almost {$250.00}. I got a text from a debt collector in XXXX. I went to the XXXX  store to dispute the charge and they waived the payment only after I said I would consider pursuing legal action against them. I am not sure whether they have contacted the debt collector to waive the charges, and I am not sure whether my credit score will be permanently negatively impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX  and Experian have continuously been reporting unverified information on my credit report. I have continued to dispute at no avail. They have not rectified the issue nor offered supportive documents or any information on disputes.

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 2025-11-20 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: PA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/year> I went to apply for a car loan and discovered a loan was defaulted in my name Thru Mohela- XXXX  XXXX XXXX XXXX Not only are all my student loans paid off but I never opened a student loan with this company. I am very confused how or when this happened but am 100 % confident there is an error and this needs to be removed immediately.

Company response to consumer: Untimely response