vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
COMENITYCAPITAL/XXXX  Inquiry : XXXX XXXX, 2024 Is being reported as a hard inquiry on my credit report I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : Complaint Against TransUnion, XXXX XXXX. XXXX XXXX refusal to reinvestigate or even acknowledge the Power of Attorney violates the FCRA, 15U.S.C. 1681i ( a ), which requires them to treat any properly submitted disputewhether sent by the consumer or an authorized agentby conducting a reasonable reinvestigation within 30 days and providing written results.

1. Summary of Issue I submitted a dispute to TransUnion on XX/XX/year>, asking them to investigate and correct multiple inaccurate items on my credit report, including [ identify the specific tradelines or inquiries ]. On XX/XX/year>, TransUnion sent me a stalling letter stating my request could not be processed because it purportedly did not come directly from me or an authorized third party. TransUnions response violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of any dispute submitted by the consumer. 

2. What Happened ( Facts ) XX/XX/year> I submitted my dispute directly to TransUnion, via certified mail, including my personal identifying information and clear explanation of each item I believed to be inaccurate. 

XX/XX/year> TransUnion responded ( XXXX XXXX. XXXX ) that they would not process my dispute because it did not appear to come directly from me or an authorized third party. 

TransUnions letter ignored that ( a ) I indeed sent the request myself in my own name, ( b ) they provided no explanation how my dispute was improperly submitted, and ( c ) they failed to conduct any reinvestigation or provide me with the results or a statement of the dispute outcome.

3. Laws Violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute from a consumer, a consumer reporting agency must conduct a reasonable reinvestigation within 30 days and promptly provide the consumer with the written results.

15 U.S.C. 1681i ( a ) ( 2 ) : If disputed information is found to be inaccurate, the agency must promptly delete or modify the item.

15 U.S.C. 1681i ( a ) ( 6 ) : The agency must include with its written results a notice of the consumers right to add a statement explaining the dispute.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TRANSUNION EQUIFAX EXPERIAN ARE DELIBERATELY BLOCK CREDIT SCORES FROM SHOWING FOR PRIME BANK AND FORCING SCORES TO STAY AT 619 OR 628 AND FORCING SUBPRIME LENDING PRACTICES FORCING LOW 500 SCORES

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 2025-05-07 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: GA

Complaint narrative:
I am writing to formally dispute, my federal student loans and request a full discharge due to a series of breach of my personal and financial information. My information was compromise without my authorization which violates multiple federal laws designed to protect student record and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full as my rights have been severely violated. Below are the key reasons for my request violation of Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without consent, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of XXXX ; my personal and financial information was improperly access and shared without my authorization. Violation of the higher education act, as a student loan borrow, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at risk and authorize disclosed to third parties.

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 2025-05-07 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: MO

Complaint narrative:
XXXX continues to report inaccurate information to the credit bureaus and its negatively impacting my credit score. The limit is incorrect .. the pay history is also incorrect In accordance with the Fair Credit Act you have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 15. U.S.C 1692 ( C )

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX continues to report inaccurate information to the credit bureaus and its negatively impacting my credit score. The limit is incorrect .. the pay history is also incorrect In accordance with the Fair Credit Act you have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 15. U.S.C 1692 ( C )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and noticed that there were inquiries made that were fraudulent. I never applied for credit with the following companies that made inquiries. 

XXXX XXXXXX/XX/scrub>/2025 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/year>2025 XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I never received the XXXX statement, citibank charged me interest and late fee. I spoke to the executive unit on XX/XX/year>XXXX  XXXX and requested the fees to be refunded, but the company refused, the stated reason from the company was that it waived a late fee last XXXX, 11 month ago. Citibank said statement was sent and I should direct the issue to XXXX, while I ask the company to provide proof of delivery to XXXX or a tracking number, it refused to provide.

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 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Equifax, Experian TransUnion Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. XXXX XXXX : XXXX XXXX # XXXX Creditor Name : XXXX XXXX XXXXXXXX. XXXX XXXX : # XXXX I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. 

In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. 



Please block the fraudulent information from my credit report within four business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it may be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ).

I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. 

Sincerely, XXXX XXXX Enclosures :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Equifax, Experian TransUnion Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. XXXX XXXX : XXXX XXXX # XXXX Creditor Name : XXXX XXXX XXXXXXXX. XXXX XXXX : # XXXX I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. 

In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. 



Please block the fraudulent information from my credit report within four business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it may be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ).

I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. 

Sincerely, XXXX XXXX Enclosures :

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 2025-05-07 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-07 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: OH

Complaint narrative:
My lost my wallet as well as have been the victim of several data breaches from banks, mortage lenders, this account was one of many not created by me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
TRANSUNION EQUIFAX EXPERIAN ARE DELIBERATELY BLOCK CREDIT SCORES FROM SHOWING FOR PRIME BANK AND FORCING SCORES TO STAY AT 619 OR 628 AND FORCING SUBPRIME LENDING PRACTICES FORCING LOW 500 SCORES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION EQUIFAX EXPERIAN ARE DELIBERATELY BLOCK CREDIT SCORES FROM SHOWING FOR PRIME BANK AND FORCING SCORES TO STAY AT 619 OR 628 AND FORCING SUBPRIME LENDING PRACTICES FORCING LOW 500 SCORES

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX ( Friday ), I was the victim of an online scam through XXXX. I sent {$750.00} via XXXX through my Wells Fargo account to a person named XXXX XXXX, using the phone number ( XXXX ) XXXX. The transaction was for car parts, negotiated through the XXXX profile : XXXX XXXX 

After the payment, the scammer sent me a fake tracking number : XXXX, using the following fraudulent website XXXX XXXX XXXX XXXX  Later, he attempted to extort an additional {$500.00}, claiming I needed to pay insurance to receive the shipment. 

I contacted Wells Fargo immediately on XX/XX/XXXX and XX/XX/XXXX, by phone. I also sent an email with all the evidence and screenshots to XXXX. Additionally, I filed a report with the FBI IC3 ( Internet Crime Complaint Center ) under the complaint ID : XXXX. 

The XXXX account and messages have since disappeared clear indication of intentional fraud. Despite this, Wells Fargo denied my claim and told me I would receive a letter refusing reimbursement. 

When I called Wells Fargo, they told me that the money was sent voluntarily and therefore not refundable, and that the receiving bank would not return the funds. I strongly disagree with this reasoning. I was defrauded, provided all evidence promptly, and expected protection as a long-time customer. I am asking the CFPB to investigate Wells Fargos handling of this situation and their refusal to take responsibility in a clear case of fraud.

I believe this is unjust, especially since I acted in good faith and provided all documentation. Ive been a Wells Fargo customer since XXXX, and I respectfully request that the CFPB investigate this decision and hold the bank accountable under consumer protection laws such as Regulation E.

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