vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to investigate consumer disputes, citing sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-29 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 is furnishing materially inaccurate information to the credit reporting agencies, and despite my multiple formal disputes, the inaccuracies have not been corrected. 

Specifically, the account reporting violates the Metro 2 standard guidelines and the Fair Credit Reporting Act ( FCRA ). The account shows Pays as Agreed even though I experienced serious delinquencies of 120180 days. The Date of First Delinquency ( DOFD ) is missing, which can unlawfully extend the time the negative account remains on my reports. 

There are also inconsistencies in the reporting of my account status ( " Transferred/Closed '' vs. " Pays as Agreed '' ), missing or inconsistent Special Comments ( " Transferred to Another Lender '' and " Consumer Disputes '' ), inaccuracies in the Date of Last Activity ( DLA ) , and non-uniform portfolio and terms reporting. 

I provided an affidavit and clear evidence of these inaccuracies in my disputes to XXXX and the credit bureaus, yet no thorough or reasonable reinvestigation has been conducted as required by law. 

These errors are damaging my creditworthiness and are in clear violation of 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), as well as Florida Statutes 559.72. I am respectfully requesting CFPB 's assistance to ensure this matter is properly investigated and resolved.

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 2025-04-29 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: TX

Complaint narrative:
XXXXAs per the guidance from the Consumer Financial Protection Bureau (CFPB), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. \n\nAccounts:\n1.\tXXXX XXXX Amount XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Amount XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX Amount XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I deposited five CDs with USAA 18 months ago. When they matured, I asked them to wire the funds to me. They told me that because of the amount, they could not wire the funds from the CD accounts. The representative told me that if I opened a checking account, I'd be able to wire the funds. Then, the wire department told me that they would not be able to wire funds for a few days because it was a new account. A week later, I again requested that the funds be wired to me. The representative then told me that it would take 30 days to get the funds wired because the checking account was new. The rep also told me that a cashier 's check was not an option because of the amount. Lastly, I was told that I would be able to receive the funds by closing the checking account. However, I wouldn't be able to close the account until the initial deposit, which they confirmed in writing that they had received, had cleared in three more days. The representative told me that all of the restrictions were USAA policies, not US federal banking regulations. USAA has had visibility on this funding stream for over 18 months.

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 2025-04-29 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: CO

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint.

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 2025-04-29 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: NM

Complaint narrative:
I recently reviewed my consumer report XXXX identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, XXXX I demand swift resolution XXXX ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: First Technology Federal Credit Union
State: OH

Complaint narrative:
Company calls XXXX to XXXX times a XXXX  for a past due credit card payment. 

The company closed the account over a XXXX  ago. At this point its a collection. 

I know its there. Calling multiple times a XXXX  is not the answer to getting payment. I can't make the payment. I have too many obligation for my income at this time. 

I don't need excessive calls about when I'm making payments. Its harassment. I understand they have to report it to the credit bureau. Threats of reporting or collection don't work.

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " Certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am also challenging the reporting of a XXXX XXXX Bankruptcy ( reference number XXXX ) and related accountsspecifically XXXX XXXX XXXX - XXXX and XXXX XXXXXXXX - XXXX listed with {$0.00} XXXX my Experian credit file. The bankruptcy record and the accounts tied to it are being misrepresented, either by omission of critical details or by erroneous association. The lack of clear documentation indicating the full discharge of these accounts gives the false impression that they remain unresolved, which has significantly impaired my ability to access credit and financial opportunities. This is a direct violation of 15 U.S. CXXXXe XXXXe ( b ), which holds Experian responsible for ensuring the accuracy and completeness of the data it furnishes. Additionally, under 15 U.S. CXXXXe XXXX ( a ) ( XXXX ), bankruptcies may only be reported for XXXX years from the date of adjudication, and all associated tradelines must reflect their status in alignment with the discharge order. Given that this reporting contradicts the federal discharge documentation I have, and considering the possibility of corrupted or outdated data infiltrating my credit file through a systemic data breach, I question the legitimacy of these records entirely.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I got an auto loan back from wells fargo in XXXX after leasing it for 3 years, no late or missing payment. First couple months, no issues. I will say I ended up late on a payment, but when trying to get online to pay, I was met with a '' something has gone wrong '' message. When calling to fix this issue, I was bounced around multiple times only to end up reseting my password and was once again met with the same " something has gone wrong '' message. When I call to pay ( XXXX of XXXX ) im transfered to a representative who tells me my loan has been charged off XX/XX/XXXX and the only way to settle is to pay in full, XXXX payments of XXXX XXXX, or to voluntarily return possession of my car. When I said I couldn't do any of those options, XXXX told when the statue of limitations is reached, I'll get a form to document it as claimed income on taxes. I was also told my car would NOT be repossessed unless I voluntarily hand it over. I specifically asked about repossession. Skip to XX/XX/XXXX. I wake up to my car gone and find out from the police station that it was repossessed. Going back to the charge off date, which they tell me is XXXX days past due of your payment, I have proof that this amount of time was NOT exceeded, but since it's been charged off, there's nothing they can do about it. I received no mail whatsoever during this time period, and since the charge off I have received XXXX pieces of mail, both stating the same thing, to call and try to resolve my debt. But the only options ever given to me were to pay in full, XXXX payments of XXXX XXXX a month, or to hand it in. And again, I was told they won't repossess my car unless I hand it in willingly. I have not received any communication from mail, email or phone since XXXX of XXXX aside from the XXXX attempting to collect, and wells fargo has been less than understanding.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Complaint XXXX XXXXXXXX seems to have been prematurely closed out, so the original info is below updated info. A different Citi entity will be notified. 
The responses via letters from Citi do not address any of the issues that I presented. Additionally, I was contacted by someone via phone ( XXXX ), where the gentleman nicely claimed that Citi was a victim & nothing could be done as it was a XXXX party. I reminded the representative that Citi chose to use this provider so it still reflected poorly on Citi, but the representative 's communication continued to showcase that Citi does not want to be held accountable for the choices that they make including vendors that they select, & were unwilling to provide legitimate resolve to the issues presented. 
Attached you will see the letter to the XXXX where they claim to be able to do nothing XXXX On XX/XX/year>, I attempted to use my travel benefits for my XXXX card. After receiving limited results on the website, I reached out to Citi to inquire. The XXXX call from the number on Citi 's travel website, XXXX, connected me with a representative that refused to answer my questions, would not transfer to another representative, & then hung up on me. The next call to Citi general credit card services at XXXX, connected me with another representative that was unwilling to answer the questions that I asked. I was transferred to a supervisor who did not want to hold staff accountable & wanted me to be transferred to the travel side ( where I just called ) When then attempting to call Citi Group ( from their XXXX ) at XXXX, the automated system did not clearly state a way to connect with someone about the issues that I was having. Based on this situation, Citi is falsely marketing it rewards program as I can not easily use them. Additionally, creates barrier to ensure that staff continue to make it difficult for card holders to accomplish anything.

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 2025-04-29 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-04-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Dispute Unauthorized Entries on My XXXX  Credit Report Reference # : XXXX Dear XXXX XXXX  Consumer Disputes Team, I am submitting this letter as a formal dispute of multiple unauthorized and inaccurate entries on my XXXX  credit report dated XX/XX/XXXX. I am a documented victim of identity theft and have included a copy of my FTC Identity Theft Report ( # XXXX ) for verification. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate and promptly correct or remove the following : 1. XXXX Lease Account ( # XXXX ) Issue : Listed as a Charge-Off with {$0.00} balance and charge-off amount, which is misleading. 
Request : This account was opened fraudulently. Please remove it entirely as confirmed in my FTC report. 



2. Inaccurate or Duplicate Identity Records Issue : Incorrect aliases appear including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. My correct name is XXXX XXXX XXXX. My date of birth is also inaccurately listed once as XX/XX/XXXX. 
Request : Please remove all incorrect name variations and correct my DOB to XX/XX/XXXX. 



3. Fraudulent Employment Entries Issue : Several inaccurate or misformatted employer names, including repeated listings for XXXX XXXXXXXX XXXX XXXX 
Request : These were added without my knowledge. Please remove or consolidate these entries. 



4. Impossible Time at Address/Employer Issue : Examples include XXXX XXXX at address and XXXX XXXX at employer both of which are impossible. 
Request : Investigate and correct all such logically incorrect records. 



5. Unauthorized Credit Inquiries Issue : Multiple inquiries from lenders such as XXXX XXXX, XXXX XXXX, XXXX XXXX and others all of which I did not authorize or initiate. 
Request : Remove all unauthorized inquiries as they were the result of identity theft, not legitimate applications. 



6. Inconsistent Pay Frequency Labels Issue : Redundant pay frequency entries like BI WEEKLY, BIWEEKLY, and EVERY OTHER WEEK. 
Request : Standardize or remove redundant entries for XXXX. 



Attached Documents : 1. FTC Identity Theft Report ( # XXXX ) 2. Government-issued ID 3. Recent utility bill ( proof of address ) 4. ( Optional ) Highlighted copy of disputed credit report Please investigate and correct these items within the 30-day timeframe mandated by law. If the issues are not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Sincerely, XXXX XXXX XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
Received bills from Goodman Frost that dont match the bills from original debtor. Also a bill for my XXXX child  who had XXXX therefore should not have that debt. When I advised I wanted these fixed I was threatened with court fees and garnishment. Have recording to attach and proof of the bill with different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 





UNAUTHORIZED INQUIRIES : Experian XXXX FINANCIAL SER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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