vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER 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 2025-12-02 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX XXXX and Navy Federal Credit union presume that I'm this corporate fiction XXXX XXXXe, meaning they looking at my private information that is public, so they can strategies their mail fraud and wire fraud on me with the illusion of money, which clearly states in the United States XXXX USC! XXXX Article XXXX, No state shall make anything but gold silver coin a tender in payment of debts, however banks and credit having the promissory notes of consumers stolen as their own collateral mistaking as plank promissory or donation I asked these banks and credit union yes Navy Federal Credit Union and XXXX XXXX XXXX  for my XXXX given right to extend my line of credit, here they go with this nonsense credit worries when in fact I create the value, the credit and the negotiable Instrument for them to securities and monetized with my signature of endorsement, XXXX USC1431 and XXXX XXXX USC XXXX and all debt XXXX USC XXXX and XXXX USC XXXX USC XXXX XXXX XXXX XXXX discharge of all debts and XXXX and XXXX XXXX RESERVE ALL RIGHTS WITHOUT PREJUDICE OR RECOURSE, next step is Federal Court, XXXX can't keep allowing banks, lenders, lawyers, credit union, to keep destroying my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Reinsertion violation/ Portfolio Recovery has made this debt appear new on my credit report and as opened. I have proof on my XXXX  that the debt shows as closed and I wasn't given proper notice of reinsertion. FCRA 611 ( a ) ( 5 ) ( B ). I request permanent deletion of account.

Portfolio also does not have accurate information on Date of first delinquency, creditor, or original loan amount. Portfolio has misleadingly reported the debt as newer in age than it is thus moving the legal debt time lock and also doing it without all appropriate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-02 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: IL

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 2025-12-02 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: FL

Complaint narrative:
I am submitting this complaint because my consumer report contains false address information, an account I do not recognize, and multiple inquiries that I never authorized. These errors violate federal accuracy standards and continue to harm me. I am requesting full reinvestigation and deletion of every item that can not be verified with proper documentation.

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have never lived at or been associated with this address. Under FCRA 611 and 609, any information that can not be verified must be removed. This address is harmful, inaccurate, and continues to violate my rights. I request immediate removal. 

ACCOUNT XXXX XXXX XXXX XXXX Open Date XX/XX/year> High Credit {$1400.00} I have no knowledge of this account and it is being reported as a charge-off without any proof of ownership or contract. Under FCRA 602 ( A ), 607 ( B ), 611, and 609, you must verify the accuracy and ownership of all accounts. If XXXX XXXX XXXX can not provide legally valid documentation showing that I opened this account, used it, and agreed to its terms, this account must be deleted. You are required to ensure the information is accurate and verified, not assumed. I am requesting full deletion.

I request a full investigation, corrective action, and removal of all unverifiable items. My consumer report must reflect only accurate, lawful, and fully verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am filing this complaint because the credit bureaus are reporting inaccurate, outdated, or unverifiable information. I am requesting a full and lawful reinvestigation under the FCRA. Any account, late payment, or inquiry that can not be verified with proper documentation should be corrected or removed.

Charged-Off Accounts ( Disputing ) The following items show conflicting reporting across bureaus or contain unverifiable amounts : XXXX XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$820.00} These contain discrepancies compared with what is reported on XXXX  and XXXX. I request verification or deletion. 

Inquiries ( Disputing ) These inquiries appear unauthorized : XXXX XXXX XXXX XXXXXX/XX/XXXX I request proof of authorization or removal. 

Late Payments ( Disputing ) The following late payments appear inaccurate or not fully verified : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request validation or removal.

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 2025-12-02 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: AL

Complaint narrative:
I am a consumer submitting this complaint regarding inaccurate and/or unverifiable information being reported on my credit reports with the three major credit bureaus. I am requesting a reinvestigation and removal or correction of the items listed below that I believe are being reported in error or do not comply with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts XXXX Account # XXXX Reported XX/XX/XXXX Balance {$0.00} This account shows a {$0.00} balance but is still listed as charged off. Please verify the accuracy of this information. 

Inquiries 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 These inquiries may not have been authorized. Please confirm their legitimacy and remove any that can not be verified as initiated by me.

Late Payments XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX Please confirm the accuracy of these reported late payments. If any are incorrect, I request correction or removal.

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 2025-12-02 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Made a trip and used 1 Wells Fargo credit card for accomodations - flight and hotel. Seems XXXX charged the card several times and we can't figure out what the extra charges are. Made a dispute with Wells Fargo. THey did ABSOLUTELY NOTHING. called via relay since i have a XXXX  issue and cant speak and it never could get through. Had someone else call and we waited for 45 mins on old and wells fargo refused to do anything. Kept asking for information about charges on a completely different card that were not fraudulent. Kept going in circles and wouldnt refer me to anyone else who was coherent. I do not have time to sit on the phone for 2 hours a day to resolve something I have already attempted to resolve at least 5 times. this is NOT the first time wells fargo has refused to take ANY action on fraudulent charges and please let this be a message that i WILL NOT PAY ANYMORE CHARGES THAT ARENT MINE AS I HAVE ALREADY DONE THAT AND IT HAS ADDED UP TO SEVERAL THOUSAND AT THIS POINT. Let XXXX deal with the interest and late fees in that case because i am not. 

also FIX YOUR XXXX WEBSITE AND MAKE SOME VIABLE OPTION FOR XXXX PEOPLE TO CALL. YOUR RELAY SERVICE DOES NOT 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 non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX XXXX XXXX XXXX Account # : XXXX - Date Opened : XXXX Balance : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. This is XXXX XXXX. I yesterday i went to Fifth Third bank on XXXX XXXX XXXX XXXX, XXXX, Fl XXXX to open a small checking account. I had an account with them several times and never had an issue. 
This time the person banker XXXX XXXX made it very clear that she was as not interested to open my account cause im not bringing her enough business for her troubles. So she told me to come back snd talk to the manager like in an hour or so. I was already feeling pretty uncomfortable for being treated like i mean nothing, and was not planning to come back. But the manager, XXXX XXXX, called me back and convinced me to come the following day. I asked if this time my account would be opened for sure and that I didnt feel like wasting my time going back and forward anymore. He assured me.

So I went there today and almost at the very end of the process the manager informed me that the account can not be open cause there is a big red flag from consumer relations agency. He suggested that I probably had derogatory history of closing the accounts with negative balance. I said it was not possible. My credit score is XXXX with no derogatory marks or any negative activity. I have nearly perfect credit. He said I need to take it to XXXX XXXX who issued the report. I did. There was no derogatory history. I called the bank, cause it was their solid decision but didnt get any answers or explanation that would make sense. The most ridiculous thing was that the bank itself gave me XXXX score out of XXXX possible, which shows that my risk to the creditors is very low. So they really dont know themselves why on Earth they made this decision. I found the whole situation very unfair and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries.

The specific inquiries I am referring to are as follows : 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 2025-12-02 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

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 2025-12-02 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief