vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end

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 2025-11-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: MA

Complaint narrative:
A collection account was placed with Reliant Capital Solutions by XXXX University. The Reliant online portal showed two components of the balance : a principal amount and separate collection fees. XXXX University stated that the university could review the principal portion only after the collection fees were addressed with Reliant. 

Multiple calls were made to Reliant on XX/XX/year>, and full audio recordings of the conversations exist. During the first call, a Reliant representative stated that Reliant did not add the collection fees and that the fees were added by XXXX University. This information conflicted with XXXX Universitys published policy, which clearly states : As a collections agency, Reliant adds collection fees to a students past due balance, and there may be a negative impact on the students credit scores.

A second call to Reliant resulted in the same incorrect assertion that XXXX University added the collection fees. Approximately five hours were spent attempting to obtain accurate information.

During a call the following day, a Reliant representative acknowledged that Reliant adds the collection fees, but only after XXXX Universitys policy was cited. The Reliant manager then stated that it does not matter who adds the fees because they would not be waived. This statement minimized the importance of accuracy in debt-related disclosures and contradicted prior representations made by Reliant.

Reliant also displayed reluctance to provide an itemized statement. During the first call, Reliant stated that sending the itemization would require one full day. During the next call, Reliant stated that 30 minutes would be required. The inconsistent explanations and delays created barriers to obtaining information that should have been provided promptly and transparently.

Documentation available upon request includes audio recordings of calls, screenshots of Reliants portal, and XXXX Universitys written policy.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this correspondence as formal notice disputing the accounts identified. I did not authorize or originate them and claim no association. I respectfully request their removal and examination. Attached are supporting records.

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 2025-11-21 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: TN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-21 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: TN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
I reached out to Wells Fargo via phone regarding two overdraft fees, both posted on XX/XX/XXXX, mobile payments XXXX and XXXX, for the amount of {$35.00} and {$35.00} totaling {$70.00}. 

I spoke to customer service agents and their supervisor, collections and their supervisor, and have found myself mainly speaking to the Executive office at this point. The case opened with them is # XXXX. 

I noted my long-term standing as a customer with them since XXXX, and the hardships I've been facing as a working-class XXXX. That {$70.00} cost me my electricity bill that I am already making payments on via payment plan. They refused to refund me the overdraft fees because I had already been given a courtesy refund earlier this year. Please note, that this refund I had already received was the single time I had ever requested one since the start of my business with Wells Fargo in XXXX. Prior to then, I had addressed negative balance concerns promptly, or paid the overdraft fees. They closed this case twice with little explanation as to why, offering no guidance on the Hardships I am facing, nor any sympathy as a long standing customer from them. 

I spoke to XXXX in the Executive Office this morning, and my concerns grew and were not over. He told me that Wells Fargo does not approach or deal with Hardships, and only provide a XXXX time courtesy. He led on that they do not do anything about their customers hardships. I asked to speak to their supervisor and he told me his superior, XXXX, would be calling me back regarding the case within XXXX hours. I said okay and thank you, hung up the phone, and not XXXX minutes later I got another email from XXXX saying they closed the case again even though I just provided more information, saying that I did not provide any new information. 

This {$70.00}, to me, can pay for my electricity, heat, or food for the week and keep my family warm. I live paycheck to paycheck, and this type of fee is devastating for me until the next paycheck. They can see my accounts, I never have more than my paycheck in their, and that usually dwindles within XXXX days after paying bills and necessities for the week. My savings account with them hasn't been higher than XXXX XXXX. My account right now has maybe XXXX dollars in it. I need help and they not only refuse, but are being rude and dishonest about my conversations with them AND are closing the case when I just spoke to them XXXX minutes prior about needing more assistance on it. 

I am not one to take adverse action against anyone or any company without proper motive, but I care deeply about this. Thank you for your assistance.

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 2025-11-21 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: NV

Complaint narrative:
After reviewing my credit report, there are still errors I have been trying to get corrected, and the credit bureaus keep reporting untrue and inaccurate information, I need them to correct this immediately. Sent in a letter along with my ID, Social and proof of address.

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 2025-11-21 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/year> I made a purchase on the amount of {$97.00} on the website XXXX I received a confirmation email of the purchase saying the product would be sent via XXXX. I later received another email of a link of the tracking status of my purchase on a carrier called XXXX. When I clicked on the tracking link it would have updates about my shipping but after a while the link would have weird updates like " shipment is waiting for XXXX '' full of grammatical errors and not logical sense. After a week or so the link just stopped working. Around the same time the website craftfactorysale.com stopped working. The only way to reach out to the vendor is by sending an email which doesn't work. There is no phone number. There is no address. When the website used to work, there was an address in XXXX XXXX but when you looked it up on XXXX maps it would show an abandoned house. 
So I'm left with a confirmation email that doesn't work, an email that doesn't work, a tracking link that doesn't work, an address that doesn't match, and a website that went offline. I haven't received my product. 
I disputed the charge twice and also requested proof of delivery. I sent the emails I received and made my case of how that business doesn't exist. The bank sided with the merchant saying " There is no evidence to substantiate my claim ''. On the second dispute I asked for proof of delivery. I received in the mail the description of the products I purchased. There was a tracking number for a company called XXXX but there is no way to verify that it was actually delivered. I didn't sign for it, and it doesn't even say what date and time it was delivered. It literally just says " delivered ''. The proof they sent me also listed " craftfactorysale.com '' as the merchant, which is the dead link. They also said that their factory is in XXXX but when the tracking link used to work it just kept mentioning XXXX. I don't think they even bothered to check the website. To me it doesn't seem like they bothered to check the address, the link, or the " tracking link '' received. Somehow they reached out to the merchant and the merchant said : " yup delivered '' and that seemed enough for them. But on my end they never even tried to find explanation of the dead website or dead links I received. I don't even have a phone number to call.

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a dispute regarding the following unauthorized inquiries on my Equifax credit report. These inquiries were made without my consent or authorization. Please investigate and remove the following inquiries : XXXX  - Date : XX/XX/year> XXXX  - Date : XX/XX/year>

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 information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding XXXX  handling of my federal student loan account and the accuracy of the information being reported and displayed online. 
On XX/XX/year>, XXXX confirmed that I authorized a payment of {$400.00} to be withdrawn from my checking account ending in XXXX. The payment was scheduled for XX/XX/year> and issued confirmation number XXXX. The payment confirmation notice stated it would take XXXX business days for the changes to be reflected in my online account. 
However, the XXXX online portal displayed No Payment Due, but did not clearly show that my payment was processed or applied. There was no updated balance or evidence that the payment was credited to the correct loan. 
Additionally, my Experian credit report shows a {$400.00} balance, updated XX/XX/year>, with a $ 4 monthly payment, but it conflicts with what I see in XXXX  portal. The payment history shows Current/ Terms Met, but XXXX is not providing consistent or transparent reporting about how my payment was applied. 
Because of these discrepancies, I am disputing the accuracy and timeliness of XXXX  loan servicing and reporting practices. I am concerned that my payment has not been properly applied or reflected, and that inaccurate loan information may affect my account standing.

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 2025-11-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation